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 XXXX 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$5700.00} 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 FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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: Student loan

On XX/XX/ I received an electronic letter saying that 6 of my 11 of my loans were placed on administrative forbearance for the time period XX/XX/ through XX/XX/. On XX/XX/ I received a separate electronic letter saying that my other 5 loans were placed on administrative forbearance for the time period XX/XX/ through XXXX The time periods of the two forbearances do not match. I am worried about defaulting on the 5 loans with the forbearance ending XXXX  because I still have not received a bill for any of my loans. 

Yesterday, I received an electronic letter saying I have been signed up for the SAVE program and and that the scheduled begin date for the plan is XXXX With that start date, I assume I will default on the 5 loans with the forbearance ending XXXX
Product: Debt collection

I received a credit monitoring alert indicating that a collection had been placed on my credit report. Wakefield & Associates, was listed as the debt collector for an amount of { {$1400.00} }. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you!
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance : {$6700.00}.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates.
I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. 

NO CONSENT IS IDENTITY THEFT. 

As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX Reciecables Management Services LLC
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX  Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Mortgage

When Covid hit, I lost my job. My husband is XXXX and we only have his XXXX as income. I called Freedom Mortgage around XX/XX/XXXX and told them about our situation. They explained that they were working with people to not report them on credit and not charge them late fees, due to the pandemic. I explained that I was just waiting for my husbands XXXX check but we never know when it will come. 

On XX/XX/XXXX I made my mortgage payment of {$1100.00} to Freedom Mortgage, via their website. On that same day I received a email confirmation that I made the payment. but the email had the date XX/XX/XXXX on it. I have attached a screen shot of the email. In the upper corner you can see the email was sent on XX/XX/XXXX. 

On XX/XX/XXXX I got a credit notice that Freedom Mortgage had reported me more than 30 days late. I made my payment before the end of the month. So I immediately contacted them. 
The rep at Freedom told me that they must have just taken too long to process the payment and that there was nothing they could do. I have spoken with many reps via phone, email, and online messaging, and no one will help me. 

I need the late report taken off of my credit and out of their system. Their lack in proper processing time and lack of notice for longer than normal processing time is unethical. It is greatly affecting my credit and opportunity to refinance my home.
Product: Checking or savings account

On XX/XX/2020 thru online banking, which I have never done, a check was created for {$4600.00} to a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX from Fifth Third bank. This was from my checking account which I have had for 24yrs. I did not do this and do not know this individual. I discovered this XXXX XXXX when I tried to cash a check at a branch. The bank has the endorsed, processed check that posted XX/XX/XXXX. The bank refuses to investigated this fraudulent act because it is over 30 days from time of discovering the act. I have appealed several times and they continue to deny my request stating same reason, more than 30 days passed discovery. I have filed a police report with my local police department # XXXX, also fraud claim reference with bank XXXX and XXXX id XXXX. 
The bank 's refusal to investigate this case of fraud is inexcusable and raises the possibility of someone in the bank system who is involved or they are hiding something. I want my money back and people responsible for this caught.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX numerous times and have also made a complaint about them specifically to you, on my credit report with XXXX it shows they removed them from my credit report only to let them add it again. So it was successfully disputed and then they added the same information all over again. 
As far as Experian goes I have disputed this debt of XXXX XXXX XXXX and they refuse to remove it knowing that this is an invalid debt and XXXX XXXX XXXX is illegally reporting false/invalid information to credit bureaus.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$6800.00}
Product: Credit card or prepaid card

I became a XXXX XXXX credit card member since XX/XX/XXXX. Upon signing up at the store, I was issued statements directly to a former address. When I moved to my new home several months later, I wasn't receiving statements when I had a balance. I did change my address online successfully. I followed up with the credit company and they told me that my statements weren't sent to my new address successfully because USPS had returned to them. Not sure why or how but I was receiving other mail. XXXX never bothered to call me about this issue. This prompted me to call them to update my statements to be sent electronically to my email address. When I had a balance, I received a couple of notifications about my statements and due dates. However, the last time I used my card, there was no communication sent. I had made a small purchase on XX/XX/XXXX and completely forgot about that purchase. I would have been reassured about payment due dates via the electronic communication but there was none from XXXX. When I finally received a notice via email, it was in XX/XX/XXXX stating I was overdue payment. I immediately called XXXX to explain my situation and they could not help me at all. My original balance of some {$37.00} became {$100.00} that included fees. I paid my balance and sent a letter to the address listed when logged into my XXXX card online : Correspondence : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX And never received any response. I am really upset that they failed to contact me during my first statement cycle and thereafter until I had accumulated more than three times my purchase price.
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. 

1. Account name : XXXX XXXX Account XXXX XXXX XXXXXXXX Amount : {$4200.00} 2. Account name : XXXXXXXX XXXX Account XXXX XXXX XXXX Amount : {$1700.00} 3. Account name : XXXX XXXX Account # : XXXX Amount : {$2000.00} 4. Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX  Amount : {$14000.00} Account Name 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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.

KINDLY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my debt. I do not claim this debt. 


Attended XXXX  in 2016 using VA benefits via the XXXX XXXX 
The VA has an accurate record of payment to XXXX for the time attended. 

XXXX sent erroneous data to Maryland XXXX XXXX XXXX which ultimately showed on my credit report as the following : - {$2500.00} reported on XX/XX/2016 - {$2700.00} reported on XXXX/2016 XXXX sends accounts to MD  XXXX after a 3 month delinquency. Someone can not obtain this amount of debt against them 4 months apart when a student obviously can not sign up for more classes in a delinquent/collections status. 


Additionally, {$320.00} seems to have been withheld from me via XXXX because MD XXXX has filed a garnishment against me through the Treasury Department 's Offset Program. 
I received *no* mail correspondence from MD  XXXX prior to this action being taken against me. 


XXXX and MD  XXXX did not reach out or respond to any attempts to correct the incorrect data on my credit report after the data was disputed multiple times. 
XXXX received their payment in full and in a timely manner from the VA for services rendered. Nothing should be filed against me at this time. 


I do not owe MD XXXX any amount stated above. This is not my debt. I do not claim this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the two accounts on my report from Experian and the reporting of validation or updates have not occured. Which is a violation to Federal Law 15 U.S.C. 1681 s-2 and 15 U.S.C. 1681 I advised Experian as well that they are reporting my DOB inaccurate and my information nor the accounts have not been updated but they are saying the accounts have been updated and are reporting accurately which is FALSE. 

The reporting of innacurate and incomplete information is a violation of the FCRA. 

I am requesting update to my DOB and a complete reinvestigation and method of verfication for the accounts. 

XXXX  Account # : XXXX / XXXX  XXXX Account # : XXXX XXXX XXXX XXXX under Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX - Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX - Certified Mail Receipt The reporting of this inaccurate and incomplete information is effecting my daily mode of living, credit standing, credit capacity, character, and general reputation.
Product: Credit card

I have a XXXX with PayPal. 
I was making my payments with my checking account for years and without problems. 
Recently PayPal makes new rules and I try to make payments same way and is rejected. I contacted my bank about this issue and they said You dont have any restrictions the payment should go through. Look like my account is in way to be on collections. 
I asked PayPal if theres another way to make payment. No they said.
Product: Credit reporting or other personal consumer reports

My payment history has always been consistent, and these late payments do not reflect my usual pattern.
Product: Checking or savings account

Checking and Savings account was closed XX/XX/XXXX. Chase bank reassured me that the remaining funds would be received via check in 10-15 days. XX/XX/XXXX I speak with a representative who says the checks were mailed on XX/XX/XXXX and are on their way. XX/XX/XXXX I speak with another representative to ask about the checks because it has been much longer than they had previously mentioned and still no checks. She says no such checks have been mailed because they need to verify the funds and the process could take several weeks. No other information could be provided. It seems that each time I call I get misinformation regarding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy listed with XXXX, XXXX and XXXX  has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide
Product: Credit reporting, credit repair services, or other personal consumer reports

Private Student Loan Account has been disputed with XXXX Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with Loan to Learn. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called XXXX  to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for Loan to Learn only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and again today XX/XX/2018. I have no options to speak with some one to clear up this account one way or another.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the continuous re-aging of an account previously held by a creditor and subsequently sold to a collection agency. This account has been inaccurately re-aged multiple times over the years, unfairly extending its reporting timeline on my credit report. 

The most recent date listed on this account is XX/XX/2018. However, prior to that, the account had been re-aged each year, artificially extending the reporting period. By law, negative accounts must be removed from credit reports seven years after the original date of first delinquency. Based on the account 's original date, it should have been removed from my credit report three years ago. 

I have contacted all three credit bureaus ( XXXX, XXXX, and TransUnion ) multiple times, disputing this inaccurate reporting. Although the bureaus conducted investigations, they never provided a satisfactory resolution. I also directly reached out to the original creditor, but they informed me that the account was sold to a collection agency. The collection agency now continues the unlawful practice of re-aging the account. 

I request the CFPBs assistance in : 1. Investigating the continuous re-aging of this account by the collection agency.

2. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of negative information beyond seven years from the original date of first delinquency.

3. Addressing the credit bureaus ' failure to provide a proper resolution to my disputes.
Product: Credit card or prepaid card

Hello Consumer Financial Protection Bureau, Im writing you today in regards to my New York and Company Runway Rewards Credit Card. Consumer Financial Protection Bureau, could you contact conduct an investigation of my New York and Company credit card account to determine why New York and Company closed my New York and Company Runway Rewards Credit Card account? 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/year>2024 we sold our house at XXXX XXXX XXXX XXXX, WA XXXX. At closing they sent {$110000.00} to Real Time Resolutions to pay off the lien for the XXXX on the house. We have filed bankruptcy on the XXXX and made payments for 5 years. No where on our credit or any where was this XXXX listed but when we went to sell the house Real Time Resultions sent a request for the {$110000.00} which the title company paid. I requested an accounting of the loan and did not receive one as requested. Received a payoff statement.
Product: Debt collection

I have been reaching out to XXXX  and XXXX  concerning to previous complaint about the inaccuracy being reported on my report. However, XXXX  and XXXX  have failed to provide me any feedback and updates with regards to my concerns. That means XXXX  and XXXX  has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see this inaccuracy I found on my report : XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXXBalance {$1900.00}