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

XXXX XXXX, XXXX, 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, EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 FTC Report Number : 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.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX 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 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 the 15 USC 1681. 

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 XXXXXXXX, 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.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 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 7 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: Mortgage

I am behind on my mortgage due XXXX/XXXX/15. Spoke with the mortgage company and was told that if I make a payment of {$1000.00} towards the {$1700.00} due that the amount will be " help in suspend '' and will not be applied towards the entire balance until the full payment is received in XXXX/XXXX/15. In this situation being told the amount willnot be applied towards my total balance owed will then incur further interest by holding this amount. I am not sure that this is legal and need help understanding if this is legal.
Product: Credit card or prepaid card

XXXX XXXX card account handled by XXXX Bank was charged off more than five years ago, but a collection agency Crown Asset Management , LLC is now starting to try and collect the debt on this charged off account of XXXX under File number XXXX. When t CROWN ASSET SENT ME A collection request around XX/XX/2022, I replied in writing with their letter stating that the account at XXXX Bank they are trying to collect was charged off more than XXXX years ago. And I am no longer liable for the debt. They then sent a packet dated XX/XX/2022 attempting to collect this >5 year debt which shows as closed with no pending balance as of today at the XXXX credit bureaus. I've made a good faith call to the lawyer handling this case XXXX XXXX XXXX and spoke with a collector XXXX XXXX XXXX this case and confirmed my address and personal info with her today Thursday XX/XX/2022 regarding the illegitimacy of this debt because of its charged off status, and that I am no longer liable for this debt.
Product: Student loan

On XX/XX/XXXX I made a payment directly to EdFinancial for {$10000.00} not knowing that the XXXX XXXX XXXX would also send the same amount back to EdFinancial. I requested a reversal of my payment shortly thereafter. I didn't hear anything else from EdFinancial and assumed the request had been declined, and I did not have capacity at the time to continue calling about the funds. 

On approximately XX/XX/XXXX, I received a check from the US Department of Education for {$10000.00} for the payment reversal that I had requested 7 months ago. This is the first problem. I went back to work full time while in school full time to pay my bills and managed to pay them all. 7 months is an absolutely unacceptable timeframe for a payment reversal, especially of a payment of this size. That's the first problem. 

The second problem is that when I went into my online account after receiving the check in XXXX, I saw that EdFinancial had completely rewritten my account history, as if the reversal had actually been processed the same day that I made the payment. The account history has been falsified. I am not able to view a record of how my payments during those 7 months had been applied. The falsified records is the second problem. 

The third problem is that EdFinancial has backdated the interest that accumulated on the FULL loan amount -- -pretending that the payment had been reversed on XX/XX/XXXX when I made the payment -- -even though they had the money for another 7 months, while I took on full time work to pay my bills. EdFinancial had the money during these 7 months. I did not have the money during these 7 months. Backdating the interest owed so that I am paying interest on {$10000.00} that I DID NOT have is the third problem. 

I called EdFinancial on XX/XX/XXXX at XXXX XXXX on a call that lasted 53 minutes. They confirmed that the reversal of the XX/XX/XXXX payment was only approved on XX/XX/XXXX and that the {$10000.00} was added back to my account effective XX/XX/XXXX. I have supplied several additional documents that support this information and prove that I have been erroneously charged interest on money that EdFinancial possessed. 

A ) A printout of my account history as it looks today, which shows that the payment of {$10000.00} was reversed on XX/XX/XXXX -- -which is false. 

B ) My student interest statement for tax year XXXX which shows that I paid {$130.00} in interest for tax year XXXX. However, the falsified account history now shows that {$240.00} of the payment I made on XX/XX/XXXX was applied to interest, proving the discrepancy in interest calculations. 

C ) My quarterly statement from EdFinancial dated XX/XX/XXXX which shows the balance for this loan as {$8900.00}. This proves that as of XX/XX/XXXX, EdFinancial still had the {$10000.00} that I had requested reversed in XXXX, and that the account history has been falsified and the interest was unlawfully backdated 7 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

I reviewed my XXXX  credit report that indicated that I owed {$35.00} XXXX Hospital toward a copayment from a XX/XX/2012 hospital visit. This attempt to collect was initiated by XXXX XXXX XXXX approximately six years ago. I've attached an invoice from XXXX Hospital regarding the debt in question which indicated a XXXX balance. Inaddtion I've attached a copy of the credit report that has Midwest Recovery System attempting to collect the same debt. Please see attached.
Product: Mortgage

My home was foreclosed XX/XX/2016, My property deed was recently reinstated and I have been making monthly mortgage payments since XX/XX/2016 to Ocwen Loan Servicing. The deed has not been reinstated with the XXXX County Register office and the property is not showing in my name. Since Ocwen Rescinded the property foreclosure
Product: Mortgage

XXXX15RE ; BSI FINANCIAL - LOAN # XXXXPlease help me BSI financial has been giving me misleading information regarding the HAFA Short Sale request over 3 weeks ago, now they are refusing to take my calls and they have a placed a foreclosure sale date without any notification for XX/XX/2015. 

I have provided every single document requested by them and now they are refusing to take my call. Please help me since I have done everything to avoid foreclosure and it is not fair that they are doing this to me and my family. 

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

I have traded my XXXX vehicle at XXXX XXXX XXXX on XX/XX/XXXX I gave the vehicle In as a trade for another. 
on XX/XX/XXXX I was advised they paid the car off in full but XXXX is reporting the vehicle 30 days past due and this information is inaccurate. Delete this delinquent activity as it is inaccurate and update all the major credit reporting agencies that reflect negatively as this is not true false and misleading.
Product: Debt collection

I had a car accident XX/XX/year>. I went to XXXX XXXX on XX/XX/XXXX and I used my health insurance. Unsure why I am billed when the insurance was billed?
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a collection account related to XXXX XXXX that is still appearing on my credit report. This account was previously managed by Convergent Outsourcing, with whom I reached a pay-for-delete agreement in XX/XX/year>. The debt was paid in full, but the collection account remains on my credit report despite the terms of our agreement. 
Upon attempting to resolve this matter, I learned that Convergent Outsourcing is no longer in business. Additionally, the current debt collector who took over the account after Convergents closure has informed me that they have no files or records pertaining to my debt. 
As the account has been paid, and the current debt collector has no record of the debt, I respectfully request that you delete this collection account from my credit report. The failure to honor the pay-for-delete agreement is negatively impacting my credit, and I request that it be removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, XXXX Dept. Of Labor Unemployment Division sent a direct deposit to my Cash App account in the amount of {$290.00}, which, due to the financial institution 's computer error, was sent back to the government office it was issued from. As a result I contacted the company, and the response was the money will be sent back to Unemployment and they gave me a {$20.00} credit. I asked them to extend a line of credit or to compensate me for failed transactions and they refused.
Product: Credit reporting

I disputed a collection from XXXX which they claim I paid my debt through them. which I did n't I paid my debt through XXXX. I want the collection taken off of my credit report. I have proof on XXXX/XXXX/2015 I paid my final payment too XXXX for XXXX XXXX. have stated I paid them when I did not I have paid my debt through the original debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 16 different student loans that are appearing on my credit report I have tried reaching out to the bureaus and the furnisher because they are not mine and it is affecting my credit very badly. I have opened an FTC for these and been sending out letters since XXXX of XXXX with no avail. There are also 7 inquiries total on my credit that are not mine and i have also reached out for these too and nothing has happened and no one has gotten back to me on this. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : NAVIENT Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX card back in XX/XX/XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXXs representative. Seeing as this was their error, they corrected the information and removed the late fee.
Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX XXXX said was being removed ) is still on my credit record. I even closed that account over a year ago.
I would like this error removed from my credit history, not just a late fee removed.
Product: Debt collection

I paid my account from XXXX  XXXX XXXX in XXXX after being sent to a collection agency without my knowledge. I paid the full amount we agreed on and that document was sent to me in XXXX showing the account was PAID IN FULL by XXXX XXXX. Now they have sent this fully paid account to another collection agency with a different amount and name without the original account number. The original location was closed a few months later and no account number shows from my only visit in XXXX. This is illegal and I told the Rep that it has been paid and he still tried to collect money. I am not paying for what was settled. Please stop XXXX  XXXX XXXX and Collections Management from harassing me for an account paid in full.
Product: Debt collection

I received an alert that {$29.00} was placed on my credit report as a collections account from XXXX XXXX XXXX XXXX. I paid that account in full, closed that account, and found a better internet service provider. I believe this fraudulent collection attempt is a spiteful revenge attempt from bright house or XXXX to get back at me for canceling services with them.
Product: Credit reporting or other personal consumer reports

Experian unlawfully reporting unauthorized inquiries on my credit report and is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). The inquires listed below I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Synchrony Bank is currently reporting TWO 30-day lates on my credit. I have never been late with them. The issue arose from when I was getting a loan around XX/XX/year>. 

The new loan was required me to pay off some accounts through escrow. I wanted to just pay them off myself, but I spoke to Synchrony and to my lender and to escrow and I was informed that escrow needed to pay them off otherwise it would cause too much confusion. I informed everyone involved that I was fine with that, but I did not want to have an issue with my credit. 

Now Synchrony is reporting TWO 30 day lates on my credit. I have contacted them several times over the last 6 months. They keep promising they will get it taken care of, but they never do. This is my last attempt to get this fixed before I get an attorney involved. This is very much a violation of the FCRA and I will not stop until this incorrect information is corrected.
Product: Payday loan, title loan, or personal loan

I already submitted a prior claim on XX/XX/18 regarding the same issue with this company. I revoked ACH and debit authorizations and the company still debited my account. After I submitted my claim the company 's customer relationship manager spoke with me. I explained that I revoked my authorization and she acknowledged they mistakenly debited my account and they credited my account back the following week. I also explained that I am going through severe financial hardship after separating from my husband and raising XXXX small children. She said she would work with me on the account and give me a few months to work things out and then my account was debited AGAIN on XX/XX/18 without my authorization causing me additional financial hardship because my rent is late due to a debit in the amount of {$300.00} that I was not aware of and DID NOT authorize. I now have late fees to pay on top of everything else I am going through. What so I need to do to get this company to stop debiting my account without my authorization?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Complaint Summary : I am filing this complaint due to multiple inaccuracies and unauthorized accounts on my credit report caused by identity theft. .These fraudulent accounts consists of a personal credit card account opened at XXXX around XX/XX/XXXX account # XXXX, and XXXX XXXX around XX/XX/XXXX account # XXXX and other accounts at XXXX XXXX around XX/XX/XXXX account # XXXX, at XXXX XXXX around XX/XX/XXXX Account # XXXX, automobile loan opened at XXXX XXXX around XX/XX/XXXX account # XXXX, at XXXX around XX/XX/XXXX account # XXXX and XXXX XXXX around XX/XX/XXXX account # XXXX. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted supporting documentation to the credit reporting agencies, but these fraudulent accounts remain on my report. These accounts include collections, charge-offs, and loans that were opened & reported without my consent. 

Despite my formal disputes, these inaccuracies continue to damage my credit. Furthermore, I am opting out of all accounts in dispute, whether any consent was given in written, verbal, unwritten, or nonverbal form. I do not provide consent for any continued reporting or data sharing. 

Key Issues : Identity Theft ( 15 U.S.C. 1681c-2 ) : As required by the FCRA, once I submitted my FTC Identity Theft Report, all fraudulent accounts should have been blocked within four business days. However, these accounts remain active on my report. 

Accuracy of Information ( 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies XXXX, equifax, and XXXX  have failed to maintain accurate and verifiable information. These accounts are a result of identity theft, and I have provided sufficient documentation to prove they are not mine. 

Opt-Out Rights ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have exercised my right to opt-out of all disputed accounts. This opt-out applies to any consent that may have been obtained in written, verbal, unwritten, or nonverbal form. Despite this opt-out request, the disputed accounts are still being reported, and my personal information continues to be shared without authorization with third party companies, XXXX, equifax, and XXXX. 

Privacy Act Violations ( 5 U.S.C. 552a ) : My personal data has been mishandled, in violation of the Privacy Act of 1974. There have been unauthorized disclosures of my personal information without the necessary safeguards or my explicit consent.

Identity Theft Penalties ( 18 U.S.C. 1028A & 15 U.S.C. 1681q ) : The continued reporting of these fraudulent accounts also constitutes violations under identity theft laws. This has caused significant financial harm and distress.