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

I received an email XX/XX/year> from XXXX XXXX XXXX by XXXX that I had a past due balance with Affirm Inc . I NEVER used Affirm nor do I have an account with them. It was made for an unsecured loan???? Apparently this was taken out on XX/XX/year>, a payment was made in XXXX and nothing further, hence the 30 days delinquent. I have excellent credit and this lowered my credit score by XXXX  points! I have called Affirm and got no where because they have no information under my name. They said they will file a case under my name, email, and phone number??? I also called XXXX and reported this as a fraudulent account and identity theft. They are looking into it further. I now have security freeze and fraud alert. XXXX and XXXX had no report of Affirm on my credit report. 


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

Equifax announced a cybersecurity incident one of the largest in history about unauthorized data access that occurred from mid XX/XX/XXXX to XX/XX/XXXX. The data breach was discovered by Equifax on XX/XX/XXXX. My data during that time frame from mid XX/XX/XXXX to XX/XX/XXXX was part of that breach. This put me at great risk and should not have happen.
Product: Credit card

Sears credit card : I mailed my payment in for the full amount of {$22.00}. The due date was XXXX/XXXX/16 ( a Sunday ). My payment arrived on XXXX/XXXX/16 ( a Monday ). My next bill showed a payment amount and a {$2.00} interest charge. I was confused because under late fee it said {$22.00}, but I sent in my {$22.00}, so I sent in the {$2.00} thinking that was because I was one day late. The next bill came and now it said I owed {$48.00}. I could n't imagine how so my daughter looked into it and we realized that they said I was late ( even though on this site it says that it should not be late if the mail is n't delivered on due date, and the payment arrives the next day ) AND that they had charged me a late fee of XXXX % of my due amount ( {$22.00} ) which was not only outrageous but confusing. So I called the account question phone number and they would n't do anything. In fact they tried to tell me that if the due date is Sunday I have to have it mailed there by Saturday. I have filed a complaint with them but am worried that they will continue to add charges OR if I pay it, they will not eventually reimburse me. Also, I ca n't imagine why their computers do not adjust for the due date on Sunday event where payments received by mail on the next day, Monday, should be considered on time, and therefore probably are illegally charging late fees to many people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two complaints against U.S. BANK with regards to the Violation of the Fair Credit Reporting Act. 

They are avoiding my complaint which was solely and completely about the fact that they violated my privacy by divulging my personal information to my daughter XXXX. My daughter is NOT on a co-signer on any of my business or personal accounts and does NOT have the right to know my personal information. 

I am filing a 3rd complaint, to get XXXX XXXX, on behalf of U.S. BANK, to respond to this Violation of the Fair Credit Reporting Act. 

In XXXX letter to me, he states, In regard to your concern, please know U.S. Bank places your privacy and the security of your information as a top priority. However, they breached my confidentiality and wont even address my complaint with the CFPB. 

On XXXX at approx. XXXX XXXX CST XXXX, in 24 hour banking, told my daughter, XXXX, that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. 

XXXX VIOLATED MY PRIVACY RIGHTS This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information. He filed a formal complaint for me. 

XXXX told me that " XXXX '' was XXXX 'S Supervisor. They let me know that the conversation WAS RECORDED and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. 

I have retained an attorney to handle this issue, but would like a reply to the Violation of the Fair Credit Reporting Act by U.S. BANK. 

Thank you.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with BANK OF AMERICA VISA and XXXX XXXX XXXX were accounts that were opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a current credit report and noticed inquires that i had not authorized or allow and had no knowledge of
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 Transunion 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 an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. 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 # XXXX 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. Additional fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've attached proof that XXXX and XXXX have already removed this fraudulent account as well as a screenshot that my personal information was affected by the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX I called a company I thought would help me find a low-priced home to rent and they directed me to Lexington Law Firm for credit repair. I gave them my social security number but not verification for my credit cards ( they pressed for both ). I did not pay them anything, but I'm still worried that the number could be used by someone else.
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts, are not complete and accurate. 
Account Number : XXXX Original Account Number : XXXX And XXXX more thing according to 15 USC 1681s-2 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

Recently, I received a copy of my credit report from EXPERIAN. 

The credit report showed a FRAUDULENT COLLECTION. This collection is from a company in XXXX. I have never been in XXXX let alone purchase anything there. This collection is a fraudulent collection. 

I am have send Experian a copy of XXXX XXXX County Police Department Fraud Case Report # PD XXXX. Experian is refusing to Delete the Fraudulent Collection from my credit file.
Product: Debt collection

I had an agreement with Chase to settle a collection for {$1000.00} and I paid the agreed amount and they said that I did not pay the amount, I have lost a chance to buy a house for my daughter and I because of this illegal activity. Please see attached for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX  XXXX FIN XXXX Date Opened : XX/XX/XXXX Balance : {$43000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00}, Chapter XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Debt collection

Wells Fargo  did not provide adequate verification for this debt question. No documents were provided showing my signature or contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get several fraudulent accounts removed or blocked from my credit report.I have included the police report and they refuse to remove or block these items. The following accounts are accounts that are fraudulent/idenity theft and should be blocked XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XXXX XXXX XXXX Credit Limit {$2700.00} {$2000.00} Credit Card XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3100.00}
Product: Student loan

I believe my financial aid data was accessed without my authorization and I am requesting an investigation
Product: Mortgage

PNC MORTGAGE CO PHONE  XXXX   XXXX   XXXX  DECEASED  XXXX  I AM HIS DAUGHTER AND LEGAL OWNER OF THIS PROPERTY ALL LEGAL DOCUMENTATION HAS BEEN PROVIDED FROM   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  XXXX  )  XXXX  PNC NEVER WANTED TO REFINANCE THEY JUST COMPLICATED EVERYTHING BY JUST PUTTING ESTATE OF AND MY NAME WAS ADDED TO NOTHING ON PAPER SO IT COMPLICATED INSURANCE AS WELL. I DECIDED TO JUST REFINANCE WITH ANOTHER COMPANY AND GET EVERYTHING STRAIGHTENED OUT OF THIS MESS.I PAID  PNC  {$20.00} FOR THE CORRECT PAYOFF IT WASNT  FREE.FIRST RATE  PAID THEM BY THE DATE OF PAYOFF REQUESTED AND IT WAS {$800.00} OVER.  PNC S ENT ( MY ) REFUND CHECK MADE OUT TO THE ESTATE OF INSTEAD OF ME THE LEGAL LIVING OWNER WHO BORROWED THE MONEY TO PAY THEM OFF.I CALLED  XXXX / XXXX /  XXXX   AND THE CUSTOMER SERVICE REP TOLD ME IF I CANT DEAL WITH THE CHECK IT WILL GO TO MY STATE . HOW HELPFUL!!!! I  CALLED  XXXX / XXXX /  XXXX   AND ASKED FOR  A MANAGER AND WAS TOLD ONE W ILL CALL ME BACK IN  24 TO 48 HO URS UNACCEPTABLE!!!! MY ISSUE IS I PAID AN ATTORNEY AND WENT THROUGH ALL THE PROPER CHANNELS AN D PNC SHO ULD NOT PLAY GAMES WITH MY REFUND CHECK AND I WANT MY CHECK SENT TO ME IN MY NAME.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$17000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  cash app processed a transaction in the amount of {$75.00} as an ATM withdrawal and charged me a XXXX ATM fee. This transaction was done at XXXX which is a store. The charge was {$70.00}. The merchant charged me XXXX dollars to use my debit card but then cash app turns around and processes the transaction as an ATM transaction when it was not according to cash app. The transaction was a ATM withdrawal at XXXX XXXX  which it was not. Ive provided them the receipt and I have attached it here. I need a phone call from the company not emails and I need my XXXX back.
Product: Credit card or prepaid card

I have spoken to several members of management regarding my Nordstrom Visa application. Because of my fraud Alert they requested of me twice my DL, SS Card, And Utility Bill with my name and address on it. I get one member of Credit willing to help me get approved and I believe that I am being definitely being treated unfairly. My credit score and documents match up why do they keep declining me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST SEVERAL WEEKS, EXPERIAN HAS DISALLOWED ME ACCESS TO MY CONSUMER PROFILE FOR DISPUTING INACCURACIES AND MISINFORMATION WHICH IS RESULTING IN DENIAL AND USE OF THE ACCOUNT. WE ARE BEING FORCED TO UTILIZE THE CFPB PORTAL FOR REPORTING ALL INACCURACIES. CFRA VIOLATIONS, CONTINUED ABUSIVE PRACTICES. CONTINUED ERROR MESSAGES REGARDLESS OF THE DAY AND TIME.
Product: Debt collection

The apartment community for my daughter reported a debt not owed to collections. I was advised they they had already asked that it be deleted from both our credit reports. I called collections and was told that they already sent the request to delete it fromour reports. The credit reporting agencies are still showing it on our reports. This is the account in question : XXXX XXXX Reported : XXXX XXXX, XXXX  {$340.00} Ialso noticed the following unauthorized inquires are showing as hard inquires on my personal report : I also noticed the following unauthorized inquires : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Dear Sir/Madam, I am writing to formally dispute a charge off listed on my credit report, account number XXXX, which inaccurately reflects an unpaid debt. The erroneous nature of this entry stems from the fact that I never received a Form XXXX related to this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Pursuant to this right, I request a thorough investigation into the validity of the charge off in question. 

The debt in question allegedly arose from [ Brief Description of Debt, e.g., a credit card, loan, etc. ], with the creditor being XXXX XXXX. Despite diligent efforts to maintain communication regarding my financial obligations, I did not receive any correspondence or notifications regarding the issuance of a Form XXXX from the creditor or any affiliated entities. 

It is imperative to highlight that the non-receipt of the XXXX XXXX hindered my ability to appropriately address any tax implications associated with the discharged debt. Furthermore, it is crucial to emphasize that the absence of this crucial documentation casts doubt on the accuracy and legality of the charge off reported on my credit profile. 

In light of the above, I kindly request the following actions : Verification of the accuracy of the charge off and the associated debt. 
Confirmation of whether a Form XXXX was issued for the debt in question. 
Removal of the charge off from my credit report if it is found to be inaccurate or incomplete. 

I understand that you have 30 days to investigate this matter, as per the FCRA. Therefore, I anticipate a prompt response within this timeframe. 

Please find enclosed copies of relevant documentation supporting my claim, including proof of my attempts to communicate with the creditor regarding this matter. 

Thank you for your attention to this matter. I look forward to the resolution of this dispute and the accurate representation of my credit profile. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX AV XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$160.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$680.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$840.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}, XXXXXXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$97.00}, Medical XXXX Balance : {$770.00}, XXXX XXXX Balance : {$770.00}, XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On a statement dated XX/XX/XXXX, I received notice that my mortgage payment was increasing from {$1000.00} to {$1300.00}, an increase of over 25 % monthly. This caused me to start an investigation as to why my payments had increased. I reviewed my escrow account and noticed that the mortgage company had mistakenly paid my spring tax bill multiple times from my escrow. 

My Spring tax bill should have been {$1100.00}. They paid that amount on XX/XX/XXXX and then paid {$1100.00} on XX/XX/XXXX. Then there was a refund of the initial {$1100.00} on XX/XX/XXXX. On XX/XX/XXXX, they paid {$1100.00} AGAIN. This double payment ( which was really a triple payment with one refunded ) has caused my escrow shortfall and the increase in my payment. 

I have laid out all of the evidence for my lender several times with little to no responses. I work in XXXX XXXX  and deal with XXXX XXXX XXXX i know exactly how this process works. There is a refund due to me and my monthly payment should be adjusted back to where it was before this overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft back in XXXX of XXXX, and someone opened a XXXX XXXX  Account in my name fraudulently. I have disputed this account with Experian numerous of times and they still have not blocked/removed this account from my credit report. They did one time in XXXX of XXXX but reappeared back on my Experian credit file in XXXX of XXXX. I am very upset because Experian is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, XXXX XXXX keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with Experian because they are not taking this matter serious, and it is affecting my credit score rating with Experian, which is hindering me from obtain credit with favorable interest rate. Please have Experian to remove/block the XXXX XXXX ( Charged-Off ) account ending in XXXX from my Experian credit file.