23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously had an identity theft situation XX/XX/XXXX, which resulted in accounts being opened in my name for several different businesses. One in particular was for XXXX, for the amount of {$510.00}. That bill went to collections XX/XX/XXXX, and once I found out about it, the matter was disputed with the collections company and the chargers were removed from my credit report as it had been determined the account was opened fraudulently by someone who used my identity. I filed a FTC affidavit which assisted me in the removal of the charges as well as to have a Fraud Alert placed on my credit file for all XXXX credit companies. 

Now fast forward to XX/XX/XXXX and once again my identity has been stolen and the person used that information to once again re-open another account with XXXX in my name that has again hit my credit report for the amount of {$190.00} that has been left unpaid and now is in the hands of the collections company Convergence Outsourcing. I have submitted to XXXX via fax a Fraud packet on XX/XX/XXXX and have yet to hear back from them. I also contacted the collection agency and asked for this charge to be removed, and they were to send out to me a fraud packet that I have yet to receive. I have also contacted the credit bureau that the charge appeared for and disputed that as well. In addition, I have refiled another Identity Theft Affidavit along with another Police Report in regards to the Identity Theft. I also would like to know how could such a situation happen again if I have placed a Fraud alert on my account in which if any credit or services are attempting to be open in my name, the business are to contact me directly, which appears not to have taken place by XXXX after the first incident happened. I will look forward for any assistance you can offer in regards to this matter. 

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

XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on XXXX XXXX XXXX original creditor XXXX account number XXXX. ( Please see page attached from my credit report. ) I originally had XXXX as my phone service. I live in a very rural area and my commute is lengthy. I had sporadic service at best. I contacted XXXX and asked if there were any trouble-shooting tips I could utilize that may help. I followed their instructions and nothing helped to enhance my service. I called XXXX back and the representative told me that the lack of service was of no fault of my own and they agreed to let me out of my XXXX contract. I wasnt made aware that this account had gone to collections until I obtained a copy of my most recent credit report. I was shocked to see that XXXX had not honored their word to cancel my account, but rather had sent this account falsely to collections. I was never notified by XXXX of any action of a collection was going to take place. This collection/charge-off that is appearing on my credit report is seriously harming my credit score and this line item needs to be removed. I have contacted not only XXXX and XXXX XXXX to assist me in removing this, but I have also contacted the ( 2 ) bureaus however, I have not been successful.
Product: Debt collection

AMSHER COLLECTION SERVICES sent me a collection letter 2 years after I ended services with XXXX XXXX. We ended, paid and turned equipment in, prior to moving, into our local office. I have never heard of this debt before, been contacted or nor am I sure if this is even valid? There isn't even a date from when this debt occurred, very suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an Identity Theft report when I learned that someone was using my identity during my incarceration. I submitted documentation about identity theft and my incarceration and Equifax and XXXX disregarded it. They didn't even block the account for 30 days upon receiving the information. I also received a letter from the IRS stating that someone filed a tax return in my name during my incarceration. 

Account US Dept of Educatio Acct # XXXX
Product: Mortgage

Fay Servicing is actively pursuing foreclosure. I requested a payoff statement from them on XXXX XXXX, 2017 and as of XXXX/2017 we have yet to receive it. I contacted the company on XX/XX/XXXX regarding the payoff request and they could not pull it up in their system nor provide the payoff information. I also requested a status on the foreclosure and was told it was in " active foreclosure '' I asked for an explanation and they said it is active foreclosure and early in the process. I asked again for what early in the process means since I have not received any foreclosure information and they refused to provide any further details.
Product: Checking or savings account

I logged in to my Coinbase account several months ago and it presented me with a popup asking me to confirm my information as they have to report that to financial regulations. 
I looked at the details and it had my Citizenship wrong. It was " US Citizen '' which is not correct. 
I contacted support several times but they are not willing to help me change it to my correct citizenship. The response I got was there system would not allow them to change it and there was no way for me to correct that info. 
I made sure they understood that the info was not correct. Their response was to close my account and open a new account. I can't close my current account because I'm holding crypto with my current account. 

I'm worried they will be reporting the wrong info wherever they are sending my info.
Product: Credit reporting

I have written and called Experian several times about their incorrect reporting of a collections account with XXXX XXXX XXXX that caused my score to drop drastically. I paid the account in full, submitted the letter from the creditor, and Experian continues to report the account as a charge-off when it was not. It was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my XXXX XXXX and it has dropped my XXXX XXXX by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against Transunion for XXXX disparities for their credit reporting practices against minorities. My XXXX XXXX dropped then too.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing because XXXX is reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with the following creditors. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Capital OneXXXX XX/XX/XXXX CAPITALONE XX/XX/XXXX CAP ONE N.A. XX/XX/XXXX
Product: Checking or savings account

I have been a victim of mail theft and check forgery of my Citizens checking account -check # XXXX. I wrote this check to pay my XXXX rent in the amount of {$1700.00} and mailed it at the drive up mailbox at the XXXX CT post office located at XXXX XXXX XXXX. I was notified on XX/XX/XXXX by my landlord that my check was never received. I immediately logged into my Citizens account and discovered that my check had been stolen and forged to an individual unknown to me or my landlord. 

I reported this to the Citizens Bank fraud department and then went to the branch located at XXXX XXXX XXXX XXXX in XXXX to put a hold on my account to prevent any further fraudulent activity. I then went to the XXXX Police to file a report but they said it was not necessary as it was a Postal Service and Citizens Bank issue. I then contacted the USPS inspection service and filed a case with them concerning the mail theft. I was informed by them that drive up mailboxes are not secure and that I should never use one because people go fishing in them looking for opportunities to commit theft and forgery. 

I received a letter from Citizens Bank fraud department on XX/XX/XXXX that they determined that no fraud was committed against my account and therefore my money would not be refunded. 

Looking at the forged check compared to other checks I have written to my landlord clearly show my signature does not match nor does any of the writing on the check. The paper of the forged check also looks very different from the paper of my other checks and I was told by the USPSXXXX that this is because the check had been washed of my ink or the check had been copied. 

Through the course of conversation with the USPSXXXX and Citizens Bank it became obvious that this is a known problem to them but not to the consumer. This approach by Citizens Bank is entirely unfair to checking account holders because I was told if this were a credit card or debit card issue it would be covered. 

This was my rent check for {$1700.00} that now i have to endure this hardship of paying my rent twice! Many seniors like myself still write checks and it is just not fair to us, or for that fact any checking account customer, that there is no relief from the bank for this type of fraud. 

CFPBs help resolving this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX {$370.00} XXXX XXXX  {$98.00} XXXX {$130.00} XXXX {$500.00}
Product: Credit card

XX/XX/XXXX bill was due on XX/XX/XXXX, the system showed payment received but I noticed that the due bill amount wasn't deducted from the checking account ( despite not having a sufficient amount for full payment ). So I transferred the payment from my checking to my credit card account and made full payment. 
XX/XX/XXXX, the system showed returned ACH card payment and charged me Past Due Fee {$25.00} and on XX/XX/XXXX interest charge {$40.00}. I learnt the lesson and made sure the XXXX card payment was paid in full amount. 
XXXX bill is paid in full amount on due date. But I got another charge of {$23.00} on XX/XX/XXXX! The bank said it was for interest charges for XXXX which I already paid the interest charges on XX/XX/XXXX without any further explanation. 

Captial One is a total fraud for not explaining well to the customer and confusing its customer by showing payment settled and abusing for more money of late fees and interest charges. The interest charge mechanism is a fraud in Captial One and I refuse to pay for any interest that is incorrectly added to me. I hope CFPB can assist consumers and Capital One should give a transparent transaction to its customers instead of the attitude that you are in my bank, I do what I want behaviour.
Product: Credit reporting or other personal consumer reports

I am contacting Experian regarding credit-reported information on the credit report that is reporting inaccuracy on the credit report. According to the FCRA Fair Credit Report Act, the right to Privacy under ( 15USC1681, A,4 ) impartiality accuracy reporting. Late payment is not legal ( 15USC1681 S-3 ) and ( 15USC1681 section 602 A ) may not treat a payment on credit account on a consumer report as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section ( 1637 B ) of this title is mailed or delivered to the consumer no later 21 days before the payment due date ( 15USC1681A,2, A,1 ). Compliance procedures ( 15USC1681E, B ) should be reporting the maximum possible accuracy ( B ) accuracy of report whom a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates, background report.

I am requesting the removal of the accounts listed below in the ( 15USC1681E, B ) maximum possible accuracy of the information concerning the individual report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is furnishing inaccurate accounts in an attempt to coerce me to pay on them. The accounts have not been validated by the consumer and no attempts were made by transunion to verify the information as they are obligated to by the FDCPA. Multiple attempts were made to resolve this issue, the most recent being XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters and contacted the bureaus several times in regards to incorrect information. I believe my information was affected from the Equifax data breach. this incorrect information on my credit report is devastating because I cant get anything. Please help correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently victimized by identity theft and this last account that is still reporting on my credit is a result of the same crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 609a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 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.

15 U.S.C. 1681b ( a ) ( 3 ) ( A ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer, or
Product: Debt collection

XXXX national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED EQUIFAX, XXXX, XXXX CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE STUDENT LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from Experian and XXXX XXXX for the third time asking me to contact the credit grantors to discuss this matter of me being a victim of identity theft and these fraudulent accounts not belonging to me. I'm filing a complaint because I previously sent the original credit grantors and collectors letters letting them know that I was a victim of identity theft. But yet Experian has deleted many accounts but yet they still have a bankruptcy to a address that I never lived at.
Product: Debt collection

Despite four written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the unverified item still remain on my credit report in violation of Federal Law. This company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a )  ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore this company have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
# XXXX {$310.00}. I am attaching the paper trail with Certified mail receipt.
Product: Checking or savings account

I opened a BMO harris bank account ( BMO Harris Smart Advantage account ) with a promotion that within 90 days of account opening if I have got {$4000.00} in qualifying direct deposit ( payroll ) - I will be getting {$200.00}. 
I got more than {$4000.00} direct deposit within 90 days. 
But when i requested my cash back - BMO harris is stating that because I am in TX - I am not eligible. 

Well that's not accurate. I know another person in my zip code with details Account number ending in XXXX Routing # XXXX who got {$200.00} cash back bonus for the same promotion Last time when i contacted BMO harris - I was given a totally different response.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent in disputes letter with certified mail and the report remained even after being inaccurate BANKRUPTY case dismmised i sent letters verify that the courts do not report to them nor am i resposible for the case due to XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX 2018
Product: Credit reporting or other personal consumer reports

Credit reporting agencies are in collusion with each other, trying to force me to accept a name that I dont use when I apply for credit. I do not use XXXX XXXX XXXX XXXX on anything that I filed for so they need to remove that name and any accounts up under that name?. CFPB is suing the credit bureaus for not doing a proper investigation of the clients request to investigate their mishaps. I just provided information showing that the credit unions reporting agency are in collusion with each other Equifax, XXXX and XXXX all using the same tactics trying to force me to use XXXX XXXX XXXX XXXX on credit that I dont apply for in that name that is fraud so I want to be a part of the lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX  Account Number : XXXX Account Name : Lending Club Corp Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match. 


The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
Product: Checking or savings account

I opened a Citi priority checking account on XX/XX/XXXX. And I transfer {$10000.00} from XXXX XXXX  to this Citi checking account. Then my citi checking account was closed on XX/XX/XXXX. 

I submit the complaint through CFPB, and the Citi respond me on XX/XX/XXXX said they will issue me an official check to refund me. But on XX/XX/XXXX, they send me another letter said that we can not verify the funds in the account. They asked me to contact the sending institution and have them debit the account via an Automated Clearing House ( ACH ) transaction. 

I asked the XXXX XXXX, they said the transaction is already finished. They can't do anything about it. I just want Citi to give my money back.