23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing this due to non compliance with the furnisher of information reporting identity theft items to the CRA 's. American Express have failed to remove information that has been identified as identity theft. I have attached supporting documents ie police reports, identity theft reports, and proof of identity all sent certified mail to American Express. I strongly believe that they are in violation and are outright refusing to uphold the law. I am XXXX and I am XXXX.
Product: Debt collection

Upon reviewing my credit report from XXXX on XX/XX/2019 I found gross discrepancies that I have attempted to resolve in the past. I am left with no choice but to file formal complaint against three companies and inform all notified of my intent to litigate if not resolved. Both XXXX XXXX and Portfolio Recovery Assoc are attempting to collect on a Tradeline from XXXX XXXX XXXX with the partial account number beginning with XXXX. First, there IS NOT a XXXX XXXX Tradeline reporting on my credit file. Second, how are TWO ( 2 ) collection companies attempting to collect on the same account? Lastly, in addition to the above gross violations of the FCRA, these companies are attempting to collect two different amounts, for the same bank, with the same account number. As all involved parties should know, credit trade-lines must be reported with 100 % accuracies or be REMOVED from the consumers credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I show company XXXX XXXX account number XXXX. Per FDCPA I am aware that an chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am be violated due to FDCPA becuase there is an open balance listed to my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX  inc XXXX has violated my rights. 

15 u.s.c 1681 section 602a. States that I have the right to privacy.

15 u.s.c 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

There are XXXX fraudulent inquires on my credit report : XXXX  XXXX Inquiry - XX/XX/year> XXXX  XXXX Inquiry - XX/XX/year> XXXX
Product: Mortgage

I recieved a mortgage in XXXX XXXXAt that time, there was no escrow, The loan servicer was changed in XXXX of XXXX. A escrow was added to th account with out my knowledge. I was paying XXXX/monthly with no issue from XXXX until present. when the escrow was added, it began to make my payment look late because it was not the full payment including escrow.As of Today, it is showing a deliquent balance of XXXX plus. However, it is also show that a payment of XXXX was mad every month until the recent forbarance periods of XXXX til XX/XX/XXXX and XXXX til XXXX of XXXX. I am trying to refinace but I am unble to do so due to the error of the ecrow account. Also, As I have been work through this process I have discovered this loan might be fraudulent. They can produce a HUD document that has my signature from the closing, and I never got one.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX State Farm Bank is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. State Farm is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted State Farm today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX regarding account XXXX, which is reporting inconsistent and inaccurate information across all three credit bureaus, violating 15 U.S. Code 1681 ( Fair Credit Reporting Act ). The account reflects different " date last active '' and " reporting dates '' across Equifax, XXXX, and XXXX, which is not possible for the same account and fails to meet FCRA accuracy requirements. Additionally, you have falsely reported the account as 120 days late in both XXXX and XX/XX/XXXX, which is impossible. There was no prior 60-day or 90-day late payment leading up to these reports, making this information clearly inaccurate. Furthermore, the last reported 30-day late payment was in XX/XX/XXXX, yet you have also marked XX/XX/XXXX and XX/XX/XXXX as 30 days late, further contradicting your own reporting. 

It is also important to note that your companys business registration has been forfeited in Texas, meaning this account should not be legally reported. The presence of these errors suggests either a blatant disregard for compliance with the law or significant negligence in reporting practices. As a result, I am demanding the immediate deletion of this account from my consumer report. If this request is not met, I will pursue legal action for damages caused by these violations. I expect a prompt response and corrective action in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my consumer report. The major XXXX credit bureaus, XXXX, Experian, and XXXX are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  my XXXX secured credit card was closed and I was sent a check for my remaining balance. Since then this credit card has been reporting inaccuracies on my credit report. On XXXX  it is reported that the last report date was XX/XX/XXXX and that I missed the XXXX payment but that my account status is paid. However on equifax its reporting the last reporting date as XX/XX/XXXX and that my last payment was XX/XX/2024, but also that I missed XXXX payment and shows no other payment history at all.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX 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 In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

In XXXX XXXX or XXXX XXXX XXXX started auto deduction of monthly payment for a phone service that was never provided. After 30 days of waiting for them to provide said service without success, I open service with XXXX for my home base employment ( Work from home ) service. By the time I nullify my checking Account they manage to auto deduct XXXX payments of about $ XXXX {$29.00} ( not sure of the monthly amount anymore ). I request refund of the auto deduct payments, but instead they put my account into collection and I was harassed continuously. The last agency that had the account in XXXX I advised of the dispute and to remove it from my Credit report I thought this was done when there was no more communication until recently I was denied refinancing my home loan due in part to XXXX XXXX having a collection on my report. Even their own record indicate that I have never had any service from them and they owe me approximately 3 months refund of monthly payments that they auto deduct from my account. Please see the information that I Copied from the report below. 


Last Reported XXXX XXXX, XXXX Collection Agency CREDIT COLL Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$180.00} High Balance {$180.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, XXXXA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately in my report : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix an issue with Equifax since last week. At first, while trying to get a homeowner 's insurance quote and verifying my social 3 times, l was told by XXXX 's XXXX that Equifax is reporting me as " deceased ''. I called Equifax to confirm and they tell me that they do not see this in their system. Now, today, I have tried all day to lift a security freeze online and I keep getting an error and a phone number to call so I have now called them 4 times to lift this same security freeze ... first time I was told it was escalated, phone number taken and someone would call me in 1-2 hours ... second time I was told the systems were down ... the third time I was told it was being escalated again and to try back in 30min to 1hour. It has now been 10 hours later, no one has called me and I still can not lift this security freeze so my lender can pull my credit. I had no issues deleting freeze on XXXX and XXXX but Equifax is not being of any help.
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase in the amount of {$520.00} for some designer purses with capital one credit card through what I was thought was a legitimate website. I follow the instructions for purchase as listed and once the transaction information was listed on the paypal account, I noticed that the name listed was one that did not seeming match the website. I called and notified capital one immediately. I suspected that the purses would be fake and I was extremely worried. Their response was to close my account, issue me a new card, and I completed a fraud assessment form and mailed it back to capital one. I was also told that there would nothing that I could do more until the packaged arrived. When the purses arrived, it was not as described on the website. I marked returned to sender on package and returned it. I attempted to return to website and it had disappeared from the internet. All of this was told to capital one, which seemingly did not care. I have had this same account with capital one for nearly 25 years, if not more.I then received a letter dated on XX/XX/2021, stating that I informed them that I did not make the charge, ( which is not the case ). The letter also stated that capital one " found insufficient evidence of fraud ''. I called capital one the same date that I received the letter and was told there was nothing that could be done and that I should contact XXXX. I did contact XXXX and was told that since I had reported it to capital one that there was nothing XXXX could do for me and that I should follow up with capital one. On XX/XX/2021 I received a letter and email stating that capital one was considering my case closed and that I was responsible for the charge. I tried numerous times to resolve with capital one with no results.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 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: Checking or savings account

On XX/XX/22, fraud activity detected and reporter on my checking account for the amounts of {$400.00}, {$350.00} and {$350.00}. Only XXXX amount of {$350.00} was deducted from my checkings account. I reported it to Wells Fargo claims department and I was given a claim number to follow up on this. I was reassured by people on the phone as well as people working on my local Wells Fargo that these things happen but are very easy to resolve and get your money back. I called today, XX/XX/22 to follow up on it since the amount of {$350.00} had not been reimbursed to my account and after talking to multiple people and being on the phone for XXXX min, the guy told me that the investigation rejected my claim and that I was not going to get my money back. No explanation given and when I asked for a supervisor or someone else I could talk to about this, he said that there was no one else I could talk to and even if there was, it was not going to make a difference, the decision was made. 

This is my first experience with fraud activity in my accounts and I have been a Wells Fargo customer for the last 15 years. To say I am beyond disappointed and frustrated with them, is an understatement. This is hard working money that they are disregarding. At this point I am considering switching banks as I don't feel like I can trust them with my finances if they will not support me when fraud activity is happening. 

I have letters from Wells Fargo regarding my claim, however, they contain my personal information. I am able to provide these if they are needed in future steps.
Product: Credit reporting

Equifax is reporting an incorrect social security number on my credit report SSS : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've learned that I 'm a victim of identity theft. I had a loan with The Money Store while I was under wage earner. I learned the loan was refinanced while I was on XXXX. On XX/X/2004 is the date the loan was refinanced. The new company is XXXX XXXX XXXX. IRS brought this to my attention. I pulled my transcripts from IRS, I 've had a meeting with IRS. I need the mortgage interest papers for tax purposes. I also need the information showing my information was refinanced.
Product: Payday loan, title loan, or personal loan

I am writing to report a phishing attempt made by NetCredit that I suspect is trying to obtain my personal information fraudulently.

XXXX XXXX XXXX XXXX - I received an email stating that I was being denied a loan I did not apply for. The email was from XXXXXXXX and said that my loan application with NetCredit was denied. The email also included my full name, current address, and recent credit score. I checked my credit report and saw that there was a soft credit inquiry from NetCredit but no hard credit inquiry. I went to their website and did a "Forgot my password" with my email address and was able to login to the aforementioned account and change the password. I then emailed XXXX to say, "I received an email declining my loan application. I did not apply for this loan. I was able to get into the account and change the password, but I would like this account deleted as I suspect fraudulent activity." 

XXXX XXXX XXXX XXXX - I received a response from XXXX: "Thank you for contacting NetCredit. This email confirms that you have contacted NetCredit regarding a claim of identity theft/fraud.  We understand this is a serious, time-sensitive matter and will move quickly to handle the situation. Please be advised that before we can address this issue, you will have to file a police report with your local authority.  Please notify your local authority to include your bank account information in the summary of the report. This will further safeguard your credit and may carry additional benefits should you choose to file with the credit bureaus as well.

Also, please provide a signed letter from you with your name, address, date of inquiry, lender name, and reason for removal. This information will be forwarded to the credit bureau in order to have the inquiry removed from your credit report. Please fax or email a copy of your police report and signed letter to XXXX or XXXX. Once we have verified the report, we will handle your claim within 5 business days.

Please note that if we do not receive a police report within the next 7 days, your claim will be rejected. If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX XXXX and Saturday - Sunday, XXXX at XXXX XXXX."

I have not applied for any loan with this company and their request for bank account information seems suspicious and potentially fraudulent. To protect myself from potential identity theft or fraud, I have not provided any information to them. In light of this incident, I request your guidance on how to proceed further. I have preserved the communication I received from the payday loan company and can provide it if needed.

Please let me know if you require any additional information or if there are specific steps I should take.
Product: Debt collection

After pulling all 3 of my credit reports, I have noticed a collection debt from RENTDEBT AUTOMATED COLLE. XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and the amount that is not mine. The amount reported is {$3800.00}, reported XX/XX/XXXX. I DO NOT have a contract with them and DO NOT owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed XX/XX/XXXX no judgments are to be reported on neither 2 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I requested that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M OUTRAGED THAT COLLECTION AGENCIES CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCURATE INFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!
Product: Credit reporting or other personal consumer reports

This is my second 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  GA XXXXXXXX XXXX  XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} SXXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XACTUS-CP Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} CCS XXXX  XXXX Balance : {$1300.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX  XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2023