23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts listed below must be removed ( XXXX XXXX ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY Experian Information Solutions Inc . 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized account on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the account in question have not yet been removed from my credit report. I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. Since my initial dispute, I have taken additional steps to verify my identity and provide you with the necessary documentation to support my claim. As mentioned in my previous letter, I enclosed a copy of my government-issued ID, proof of address. I would like to request an update on the status of your investigation and the reasons for the delay in removing this unauthorized account from my credit report. The extended presence of this fraudulent entry is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. I kindly urge you to prioritize the resolution of this dispute, as it directly impacts my financial security and well-being. I request that you take immediate action to remove the unauthorized accounts from my credit report and provide me with written confirmation of their removal. 

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

Have contacted Experian 5 times in since XX/XX/XXXX regarding inaccurate balances on several of my accounts. I also reached out to the account lenders who stated they provided the information to Experian. They keep sending me around in circles until I also submitted a dispute. Still no reason for inaccurate balances on my report. Also, one account per the Fair Credit Reporting Act should have been removed in XX/XX/XXXX but they are misreporting dates of last payment without fixing and reporting it still on my current credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported a 30 day late payment on my transUnion credit report between XX/XX/2023 and XX/XX/2023 Please Remove this information from my credit report pursuant to section XXXX5 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date.

15 U.S Code 16815-2 ( B ) of the fair credit reporting act. If a consumer submits a identity theft report to a person who furnishes information at the address specified by that person for receiving such reports stating that information mantained by such person that puports that relate to the consumer resulted from identity theft, the person May NOT furnish such information that puports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. Also I wasnt never late because my payment due on the XXXX of each month and I paid it on the XXXX and I have all the proof Im sending over screenshot of my payment being paid on the XXXX however its not my fault if they system take days to post my payment however it paid my bill on time which why this late payment must be removed asap and it is also illegal under 15 USC 1666B and 15 USC 1561A please remove this late payment I take pride in my personal credit I pay all my bills on time.
Product: Mortgage

On XX/XX/2021 I was awoken to several emails from XXXX XXXX, XXXX, Bank of XXXX, and XXXX that noted a Credit Report/Hard Pull was blocked due to there being a freeze on my account. I am in the process of refinancing my home and have been undergoing this process for greater than 120 days. I had an initial credit report pulled at the start of my refinancing and now without my permission- Hunting Bank has pulled my credit report ( s ) again. Under the Fair Credit Reporting Act I feel like I was lied too, taken advantaged of, and Huntington bank has offered no means to correct there action.
Product: Credit reporting or other personal consumer reports

I received a email saying that I was turned down for credit and I never applied for credit so I called XXXX and the operator told me it was identity theft attempts and I asked to optout and he would not assist me saying I had to wait for a supervisor to call me back and I had to go online and do it and called again to verify it was done and got another operator who said it was not done after I submitted a online request because I could not get help on the call to optout. I never even heard of this company and they referred to my unauthorized account as a cage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH NET CREDIT ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS 247 PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY XXXX CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXXIT SHOWED 180 DAYS LATE FROM XX/XX/XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XX/XX/XXXX TILL XX/XX/XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT XXXX DOCKET NUMBER IS XXXX. I CONTACTED XXXX XXXX XXXX XXXX IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XX/XX/XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.
Product: Credit card

On XX/XX/year>, I applied for 2 U.S. Bank Business credit cards. REF : XXXX and REF : XXXX. On XX/XX/year>, I received letters in the mail notifying me that my applications have been denied and the reason given is : We have reasons to believe the account will be used for fraud. I've credit score of XXXX. I currently have a business credit card open with this bank and a checking account. I had 2 other business credit cards in the past with this bank that I closed. None of my accounts has any fraudulent activity. I never disputed a single transaction with this bank. I'm confused where this allegation is coming from. All my transactions are either with XXXX or local vendors. If U.S. Bank believes I'm using my accounts for fraud, they should close them immediately. I already called their customer authentication department to verify that I'm the one who applied for the credit cards and that the applications aren't fraudulent.
Product: Mortgage

XX/XX/XXXX lost my account after my account was transferred to another servicer in XX/XX/2019. Cant provide XX/XX/20191098 form. Keep me on hold every time I call even when Im transferred to supervisor XXXX. Emails go in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2014 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXX # 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 instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

i submitted information online again today after speaking to a agent and was told that they never received my XXXX compliant that was sent from you guys to them on XX/XX/23. I did not authorize the following company 's to access my credit report or applied for any credit with these company 's XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my credit report today and I found inaccurate information about my address my employment and accounts. My name is XXXX XXXX XXXX my DOB is XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I AM SELF EMPLOYED XXXX XXXX XXXX ( OWNER ) NEVER WORK AT XXXX XXXX   PLEASE DELETE. 
The following addresses are not mine possibly Fraudulent Please delete : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my report actually belongs to me. I have not records of the items listed above, if the above items are inacurate, misleading, or incomplete, you may have violated federal law. 
the following items are unverified PLEASE DELETE : 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

This account is closed, yet the company keeps posting late payments every month to XXXX  and other reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My employment information is incorrect and my name is incorrect and my address is incorrect. I have updated several times and the credit Bureau keeps changing it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

A payment was authorized on account with representative for balance and account ending XXXX. The representative processed payment without consent on a closed checking account not used in over XXXX year. Disputed this was authorized and requested to hear call based on requested by supervisor and refused to provide me call or transcript. This representative error caused my account to report XXXX days late on credit report. Requested this to be corrected and receiving run around/avoidance.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/year> which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Checking or savings account

This is a continuation of previous complaint ticket number : XXXX, Bank Representative sent me an email, then he has not responded, I emailed Him daily almost and called and left a message, I am still not able to access my checking account. Problem has not been solved. 

previous complaint description : Unable to access my account for over a month, still waiting for a PIN NUMBER they said was going to be mailed out to my XXXX XXXX> address since XXXX XX/XX/2022 ... ... after more than a month of waiting, I am still unable to access my on-line account due to excessive information requirements and lack of alternate ways to provide me access to my basic checking account on-line. Although I have been 3-4 hours waiting for Service Representatives and gone through their 100 % authentication procedures and having them confirmed 100 % it is me who wants access to my account, still they have led me to no solution to my PROBLEM in trying to access my account. I am stationed in XXXX on a XXXX tour and bank of America has no ATM or bank branches here that I could easily access my account. Their customer representatives some of them are straight unpolite and unhealthfully awful to customers like me XXXX XXXX and unable to just drive to a Bank of America branch and get one-one help. Today XXXX XX/XX/2022, I still have not received a PIN for my checking account ATM card which they now require as to be able to log into my on-line account. Before, Bank of America required only an authentication through my email or direct text massage to my telephone number, but someone added a PIN NUMBER requirement to the on-line authentication. I have tried time and time over talking to a Service Representative numerous times throughout last 3 months about giving me a way into my account once they verified that it is my the owner of the accoun on the line... .everytime, they tell to wait for my PIN NUMBER... .that PIN NUMBER has never arrive ... ..Thanking you in advance for all they help you can do to help me while XXXX  and unable to check my checking account .... I have been with bank of america for over 15 years and can not understand why they are treating me this way .... XXXX XXXX XXXX, my XXXX cell number XXXX XXXX XXXX XXXX, and my email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX  XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX via EQUIFAX MORTGAGE SOLUTIONXX/XX/XXXX 3. EQUIFAX MORTGAGE SOLUTION - XX/XX/XXXX 4. XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX XXXX via XXXX - XX/XX/XXXX 9. XXXX XXXX  - XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX   - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting

XXXX 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Transunion. THIS WAS A IDENTITY THEFT CASE. TRANSUNION PLEASE REMOVE THE COLLECTION FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact XXXX, Fortiva AND XXXX XXXX XXXX XXXX  regarding this debt. The debt is reporting INCORRECTLY and have been sometime. Whatever incorrect update that was made on XX/XX/ dropped my score by 34 points!!!!! nobody can seem to get this account corrected between the two companies so I need help.
Product: Student loan

XXXX XXXX Navient took over my student loan account from XXXX. My payment plan was XXXX dollars, when moved to Navient they state it 's XXXX dollars per month. They stated that my last plan with the XXXX expired. I never received any notice to this expiration. When explaining to Navient that I see options on the federal student aid site for XXXX /mo for XXXX months they say that while they are aligned with the federal government some options are not available with Navient. This is very confusing, and I believe that they are mishandling my account
Product: Debt collection

Please read : XXXX XXXX 's review of XXXX and XXXX Collections Agency Representative XXXX XXXX of Cohen, Roberts & Associates, LLC. Please find the link below and I would also like to submit email correspondence chains from both XXXX and XXXX XXXX. 

XXXX
Product: Mortgage

This complaint requests that PHH Mortgage Services be compelled to credit my mortgage loan account, without further delay, the sum of {$5000.00} earned and creditable in the 6th year anniversary of HAMP modification as a performance incentive, which in my case was due on or about XX/XX/XXXX. 
OCWEN, the parent company of PHH and the servicing predecessor, did not credit the incentive as it was supposed to. Rather, on the eve of the due date, OCWEN transferred the loan to its subsidiary -- -PHH . 
PHH in turn denied the incentive alleging delinquency of over 90 days. However, I contested the allegation because I placed my loan on automatic payment after the loan modification and had no notice of any payment not being received. Following investigations, PHH finally determined that the denial was erroneous and apologized. 
But rather than take responsibility for its and its parent errors and credit my account, PHH chose to further postpone the crediting 2-3 months out, allegedly pending its report to US Treasury Department per its letter dated XX/XX/XXXX. PHH should not be allowed to hold me hostage for its errors even as it continues to charge me interest on the {$5000.00} principal