23daVinci/CFPB_Complaints huggingface dataset:
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a HazMat endorsement on my license and was waiting about six months and never received it. I went to the DMV to inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. I recently had to open a new bank account because of this problem yet again. Because my personal information is out there and I can not get it back I anticipate this perhaps being a problem for many more years to come. When I was made aware that the automatic payment did not reach This credit card issuer I used another means to get the account corrected. It was not 30 days late however that information is incorrect. I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Original balance - {$130.00} Account number - XXXX XXXX U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 XXXX 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Debt collection

Procollect put a collection on my credit report that isn't mines... 

I send a debt validation letter and a cease and desist to the company 30 days via certified mail, the company still has the debt on all three credit report, and the company still continues to call me about the even after sending both letters... 

The company never responded to the debt validation letter and it's pass the time frame of 30 days to respond.
Product: Money transfer, virtual currency, or money service

Used XXXX for first time with Bank of America. A buyer for an item sent me a cashiers check which I deposited to my account. the bank accepted and deposited it into my account but a day or so later then took the money back from my account. When I called to inquire, They stated that they found out the check was counterfeit. Of course by then I had already transferred money deposited from the cashiers check to someone at the scammers request through XXXX. Amount lost was a whopping {$1300.00}. Now my account is overdrawn and I cant pay my bills. I have had BOA for 25 and trusted them and never had any issues nor been a victim of a scam yet they wont help me get my money back. They promote XXXX on their mobile app but they really shouldnt since they arent backing the fraud and scams with it. Can you please help me???
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my today 's attempt to remove the fraudulent items from my credit report. 

I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. 

Despite numerous requests, these items remain unresolved and continue to impact my credit negatively. I kindly request an immediate review and action to rectify this situation. With this, I am asking for your assistance to remove these fraud items in my credit file : 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

The credit freeze process is burdensome and needs to be streamlined like the ease of obtaining credit reports. 

I filled out one form for all 3 agencies through XXXX, and got a credit report from all 3 with ease.
Each 3 companies have different hoops to jump through, and make it impossible to freeze credit reports online. 

Since they all sell monthly monitoring for a fee, their pay services are front and center. 

It seems they want to make it hard to obtain freeze online so you will give up and buy their service. 

I realize with the XXXX data breach things are quite busy at the reporting agencies. 

Try freezing your own credit online and see for yourself how this does not work well at all.
Product: Credit reporting or other personal consumer reports

This letter is being sent in response to a consumer report recently obtained by the Claimant  from TransUnion, XXXX, and XXXX. Please be advised that XXXX XXXX is reporting damaging information, which has caused undue distress. 

It is my contention that XXXX XXXX lacks standing to report such information or to attempt collection on the alleged debt, as it is not the owner of the debt but merely acting as a servicer. As such, XXXX  XXXX qualifies as a debt collector and is therefore subject to the Fair Debt Collection Practices Act ( FDCPA ). 

Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have my worng persoanl information reporting
Product: Credit reporting or other personal consumer reports

In 2017 and XXXX Lexington law collected money from me without fixing my credit, complete scam.While living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. For years I contacted Lexington law about a refund before the judgment. I will like to be reimburse for my time, patience and money.
Product: Credit reporting or other personal consumer reports

To whom it may concern, upon reviewing my Credit Report I noticed several inaccuracies .Many unauthorized Inquiries. 
UNAUTHORIZED INQUIRIES 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 XXXXXXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

. The status is incorrect for the following account XXXX XXXX XXXX  XXXX Account Number : XXXX Please ensure that all information is accurate. The status is incorrect for the following account XXXX XXXX  XXXX XXXX Account Number : XXXX Please ensure that all information is accurate Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

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

. XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

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

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

14. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

This is my NUMBEROUS attempt to notify you that I am a victim of identity theft and that I would like to inquire about certain entries in my documents that have formed as a result of the wrongdoing. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX and Experian that XXXX is reporting my closed account XXXX as having a high balance of {$29000.00}. 

This is incorrect. 

When the account was closed, the balance was {$120000.00}. XXXX correctly listed the amount while the loan was open, but when the account was closed, suddenly the account had a high balance of {$29000.00}. The interest alone on this account was {$110000.00} XXXXXXXX XXXX practices are deceitful and dishonest. XXXX is making it sound as if this {$29000.00} took 29 years to pay off and its harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with a company called XXXX XXXX XXXX XXXX on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX  updated it correctly and quickly ( because it is a proper company ) ... Experian   did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did XXXX ( which I did contact ). 

I called XXXX and spoke to a representative XXXX in XXXX ( a supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first XXXX claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then XXXX stated that the letter head did not match the creditor 's name - I explained the creditor ( XXXX  ) used an agency ( XXXX  ) to collect the debt, and the creditor 's name ( JH ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from XXXX on my report and any mistake on their end is not my problem. 

XXXX 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

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

Called companies XXXX XXXX Affirm Inc about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called XXXX about incorrect information and fraudulent activity. Called XXXX  about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.
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 right to privacy and confidentiality under 15 USC 1681. account name : # XXXX XXXX XXXX, XXXX Account number XXXX account name : # XXXX XXXX  Account number # XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 602 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 XXXX make any consumer report containing any of the following item of information Any other adverse item of information other than record of convictions of crimes which antedates the report by more than XXXX years. 15 USC 1681c 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 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 : FRAUDULENT ADDRESSES : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX FRAUDULENT ACCOUNTS : XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX. {$1500.00}. CHARGE OFF CREDIT XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX {$240.00}. COLLECTION ACCOUNT XXXX XXXX. ACCT # XXXX. OPENED XX/XX/XXXX. {$1500.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX COLLECTION ACCOUNT These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the ACCOUNTS/ADDRESSES 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 as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections 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 are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 an account without my written consent.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I signed up for XXXX XXXX with billing through PayPal. I received an invoice that said that {$17.00} would be billed monthly for the service. Since then, XXXX has overcharged me every month {$19.00} via PayPal 's billing platform. XXXX refused to help in this matter as did PayPal even though I reached out multiple times to both XXXX and PayPal 's customer support. Only after submitting a complaint through CFPB on XX/XX/2019 did PayPal take corrective action. 

Since then, on a monthly basis, XXXX continues to overbill me through PayPal monthly, PayPal processes the wrong amount for the transaction, and I can recover the difference only by filing a complaint through PayPal 's dispute center. As directed in XXXX XXXX  ( PayPal Executive Escalation ) response to my initial CFPB complaint, I reached out to their corporate team via email on XX/XX/XXXX, but received no response. 

On XX/XX/XXXX, XXXX again charged me {$19.00} via PayPal 's billing platform, and PayPal processed this transaction. I disputed this on XX/XX/XXXX, attaching the invoice from XXXX for {$17.00}. On XX/XX/XXXX, PayPal decided in favor of the seller. I appealed this on XX/XX/XXXX, and PayPal denied my appeal.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order I C SYSTEMS COLLECTIONS to make recompense and pay redress and compensation for their trespass against me. I C SYSTEMS COLLECTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Product: Mortgage

Citizens bank keeps increasing my mortgage payment. Says my escrow is low after I keep paying the shortage several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report I noticed some negative item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX   XXXX
Product: Mortgage

In XXXX of 2015 I refinanced my current Chase Mortgage loan with what I thought was a HARP loan through Chase to lower my interest rate. I asked several times and was informed there would be no fees attached to this loan. My balance at the time was $ XXXX it is now at $ XXXX. I did not anticipate $ XXXX plus in fees. At closing there was also a {$1000.00} amount that said " if the borrower agrees '' however if I did n't agree they said the loan would not fund. I this really a HARP loan or just a regular refi?