23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Credit Card account opened at XXXX  XXXX on XX/XX/XXXX with account # XXXXXXXX XXXX  balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found late payments from XXXX in XX/XX/XXXX and XX/XX/XXXX. This information is not true and contacted the company to correct the issue. I have never missed any payments and they failed to correct the issue. 

Also found XXXX Mortgage XXXX had late payments from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  Also found XXXX payments we incorrect for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt or credit management

I had signed up for an account with XXXX several years ago. I always paid my bill on time, but XXXX consistently had issues, including not paying credit card bills that they had agreed to pay because of a fluke in their system. With less than a month 's notice, XXXX transferred my account to Systems & Services Technologies ( SST ), who notified me of new loan terms that did not reflect the agreement I made with XXXX, and a new monthly minimum which was much higher than the monthly bill I was paying to XXXX. When I attempted to contact SST via email and phone, I could not get a hold of them. Once I finally did, after multiple attempts, they told me they would submit a request for my account to be reviewed to see if I could negotiate the terms of the loan or receive a lower monthly payment. I was told it would be a 24 hour wait on that decision, but it has been 48 hours now and no word. I am concerned because other customer testimonials say that SST has taken unauthorized payments out of their bank accounts, so I am hesitant to give them my banking information in order to pay the bill. I did not agree to the terms of this loan.
Product: Credit reporting or other personal consumer reports

The mixed information on my credit report is outrageous. Accounts that are not mine are listed under my name, causing severe harm to my credit score. Despite multiple complaints, absolutely nothing has been done.
Product: Mortgage

My mortgage company has not paid my county tax. I have made numerous calls to customer service and have sent certified letter in regard to this issue.

I have received a letter from the tax authority that my county tax has not been paid from my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that are in violation XXXX  ACC # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX
Product: Money transfer, virtual currency, or money service

XXXX dollars on XXXX XX/XX/year>2025. It was an incoming amount after which the person I believe tried to get back the money. I reached out to XXXX  multiple times but i didn't give me any explanation nor a reason or any timeline or resolution. I asked who is responsible to answer me they just said it is back team that restricted and restricted my online transfers too.
Product: Checking or savings account

I received an email from Santander bank stating that I had just opened a checking account and that it could potentially be fraud. When I contacted Santander bank I asked them how they couldve opened an account in my name without having a copy of my photo identification to go along with the account to which they had no response. I am concerned that this bank is just opening accounts without verifying who people are and now fraud has been committed with my identity because of their lack of responsibility. I have had to pay for credit monitoring services because of this.
Product: Credit reporting

I was in a 6 month lease and during the last month I let apartment manager know I had unexpected situation at work and could n't pay on the due date for the final month we came to a agreement I would try to have what I owe mid way tho the month after having no luck with finding employment I went back to talk to him he became angry and told me I was to get my stuff out that day witch I did so later down the road once I started to get back on my feet my credit report showed he was trying to collect a early termination fee of like XXXX when rent was only XXXX I refused to pay it being if I would n't have been kicked out in that manner I would have tried to pay my balance before the thrifty day but in this case he gave no chance which would have been the only real way they could claim I broke the contract
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. The account numbers reported to Equifax, XXXX and XXXX are not the same for ( XXXX XXXX XXXX XXXX ) The account number listed for Equifax is # XXXX, XXXX is # XXXX and XXXX is # XXXX, ( XXXX is different ) XXXX is listing a Collection Account for ( XXXX  ) in the amount of {$210.00}, this account ( XXXX ) is not listed on Equifax or XXXX. 

There is an account ( XXXX XXXX ) listed on Equifax in the amount of {$180.00}, the address listed is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX the reporting date is XX/XX/year>. This account is listed on XXXX as ( XXXX XXXX ) the address listed is XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, and the reporting date is XX/XX/year>, in the amount of {$180.00}, this account ( XXXX  XXXX ) or ( XXXX XXXX ) is not listed on XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has confirmed that they received all of my documentation and my request to have adverse information as a result of human trafficking deleted from my account well over XXXX business days ago. They are claiming to still be processing my request and they dont know how long itll take. According to the laws outlined on the CFPB website, credit reporting agencies MUST block adverse information in regards to XXXXXXXX XXXX within XXXX business days, even if they are still reviewing documents. They have XXXX business days to review their documents. I was told by an Equifax rep that there are attorneys in the office of consumer affairs that have advised them that what they are doing is in compliance with the law. I have called multiple times and spoke with multiple people who have told me that the issue would be resolved by the end of the day and this never occurs. Equifax requested additional information from me, of which I provided. I am being told by a representative that once I submitted the requested information, it started my XXXX business days all over again. This is NOT in compliance with the laws regarding human trafficking. This is willful negligence on Equifaxs behalf and I am ready to take this to the furthest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the XXXX XXXX XXXX online collections XXXX account removed from my credit report. I have disputed this account that doesn't belong to me and they still continue to report without sending me and signed contract or proof that this debt is mine. I have never signed a contract with XXXX XXXX  or online collections. I am not responsible for this account and want it removed immediately from XXXX  and XXXX. XXXX  is the only bureau that properly investigated and did remove from my account with them.
Product: Credit reporting or other personal consumer reports

I am promised accuracy in my report based on Federal Law. I am attempting to have those error corrected on my consumer report under the ( 15usc1681 ) I request that you remove these accounts promptly.
Product: Money transfer, virtual currency, or money service

In XXXX, XXXX, I entered into an investment contract with XXXX XXXX XXXX : XXXX XXXX  Crypto ( the Scammer ) to transfer XXXX XXXX. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Coinbase of this fact on XX/XX/XXXX and I didnt receive any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. 
Since XX/XX/XXXX, I have been attempting to resolve this matter with Coinbase, but they have failed to settle this matter satisfactorily. I have been dealing with Coinbase in good faith and am deeply disappointed in how they have handled this matter thus far. 
I must emphasize an important point that I was not experienced, wanted a long-term investment during the difficult period of circuit breaker, but instead, the Merchants so-called guided strategy staked with my money. Their promised bonus credits and repeated reassurances of making returns did not materialize but had lured my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX  National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any  organization who uses my name without my consent, and committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :15 U.S.C 1681 section 602 A. States I have the right to privacy :15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions :15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

:15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have an American EXPRESS Cash Magnet credit Card. When I opened the account I had a promotional APR of 0 %. The minimum due for each statement was payed regularly and was approximately XXXX XXXX 
On XXXX XXXX I received a paperless bill where my Minimum due amount increased to XXXX XXXX 
Upon contacting the customer care representative I did not receive any answer on why the amount had increased and why the minimum due can not be reversed to XXXX $ a month. 
The company has not explained in any of its statements on why customers are responsible to pay more in minimum due and what they can do to avoid that fees from being payed.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found that the inquiry on XXXX XXXX  was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed out letters to Experian letting them know that XXXX XXXX XXXX Account # XXXX was a fraudulent account that was opened without my permission Experian never responded to these letters at all so I then filed a cfpb complaint after the 30 days and no response on XX/XX/XXXX complaint number XXXX came back as verified. I also sent out these same letters to XXXX and XXXX, and they found this account to be fraudulent and have since deleted it from my XXXX report and it has been deleted from my XXXX report. 

If metro 2 compliance says that it should be reporting the same on all bureaus why is Experian violating my FCRA rights by leaving this fradulent account on my report. 

I have attached the FTC Report as well as the deletion letter from XXXX showing the account has been removed and found fradulent by them.
Product: Debt collection

I asked his company to verify the debt and in return received no proof to do so. The company does not have my correct information to and only has my address from my dispute to verify this debt. This is not proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, XXXX XXXX has refused to report my account information correctly to Transunion, resulting in rolling lates that as you can see by the attachments have all been made. After 7 attempts through TransUnion 's dispute service AND filing a prior compliant with the CFPB, AND holding a 2 hour call with a Transunion representative, nothing has changed. I am at wits end and looking for legal assistance at this point. I want the account corrected - attached are all receipts showing payment. These include the actual checks, a receipt of payment from XX/XX/2020, and bank statements evidencing the check payments made each month. XXXX XXXX itself has decided that they don't want my account anymore after 7 years, and sent it back to the school. I am already in school. Therefore I should no longer have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

We received the attached letter from US Bank on XX/XX/XXXX advising us they closed our credit card account on XX/XX/XXXX. Not only was it retroactive, it is a credit line, not a credit card, and no reason was provided. We have had the account since XXXX. It has always been in good standing. We deserved better treatment after 30 years. We deserve to know why so we can try to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit may and XX/XX/2018 XX/XX/2018 XXXX XXXX   never late XXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX Toyota financial never late XXXX XXXX  and may this has happen before
Product: Mortgage

I started the mortgage refinance process with Citibank in XX/XX/2020 and over the past year have received inadequate support to complete the process. My condo is part of the XXXX XXXX XXXX XXXX that requires Citibank and the title company to reach out in order to obtain required documents. The closing has been stalled for around 6 months due to neither Citibank 's mortgage representatives or the title company 's representatives connecting with the XXXX XXXX XXXX XXXX and providing necessary information to obtain the lien release document. 

As of summer 2020, Citibank no longer has mortgage customer service for clients. I have sent many emails over the past over 11 months to the Citi mortgage reps that are supposed to be helping me, however have received little to no support to move the process forward. A colleague of mine recently refinanced her house and it took 3 weeks. 

On XX/XX/XXXX, I received a document telling me that I will be required to pay a daily extension fee of {$34.00} for my locked interest rate. This is very unfair since I have provided all requested documents and am not the one who delayed the refinance process. I would like Citibank to waive the daily extension fee charges. 

I would deeply appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my Equifax - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.
Product: Bank account or service

In XXXX XXXX, I cancelled my registration for an event/conference. When I registered for the event in XXXX, I paid using my business debit card. At the end of XXXX, I closed my business and my business bank accounts at SunTrust Bank, and filed my final business tax return. The event vendor refused to refund my registration fee in any way other than crediting the card I 'd used when I registered. SunTrust accepted the refund, even though the account was closed. SunTrust has issued a check payable to my former company and refuses to cash it for me and the other former owner of the former business. The only option they have given us is to open a new business account in the same name ; again, that business no longer exists and the final tax return has been filed.