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

THIS FRAUD XXXX ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I CONTACTED XXXX XXXX XXXX XXXX SEVERAL TIMES AND LET THEM KNOW THIS IS A FRAUD ACCOUNT. 

THE CREDITOR AGREED TO DELETE THIS INACCURATE FRAUD CREDIT CARD ACCOUNT FROM MY CREDIT REPORT.
Product: Checking or savings account

On XX/XX/23, I was notified via email by my financial institution ( Chase Bank ), of which I have been a loyal customer for over 20 years, at XXXX cst, that my account was locked due to unusual activity. I did not see this email until about XXXX cst. I called the customer service number that I was provided by accessing my account via mobile app, and was informed that the Chase has chosen to close the account. No other information was provided to me except that I should visit a local branch. 

I went to the local branch when the bank opened at XXXX cst, and was assisted by the branch manager. She accessed the account and was able to see the transactions, but there was a note on the account for the internal employee of the bank to call a certain number. 

She called the number and was only able to give me information that the account was closed at Chase 's discretion by XXXX XXXX and that I would receive a check for the funds in the account in 2 weeks ( by XX/XX/23 ). I was also informed that I would not be able to access any funds ( XXXX ) and any auto payments that I had coming out of the account would be rejected. So I was going to be without access to any funds, and unable to take care of my financial responsibilities for 2 weeks. 

I was not given a reason as to why, and I don't have any idea as to why. 

Please assist me with this issue. 

Regards ... XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX bank reporting inaccurate name, XXXX and late payment. 

This is considered fraudulent reporting and identity theft. 

Requested to be removed. 

Reported to best buy/XXXX XXXXXX/XX/2024 XXXX have account removed from all credit bureaus.. 
CASE NUMBER PROVIDED : XXXX Wrong name on account Wrong SSN on account Late payment on account is inaccurate Statement with amount due not received by law 21 days prior to due date. 
CASE NUMBER provided by XXXX XXXX XXXX  XXXX have account removed due to inaccurate reporting of above information.
Product: Credit reporting or other personal consumer reports

Experian now has sent me a email requesting my information again and I refuse to send them my information again, they already changed my credit card 2 times for a month and had to cancel the subscription and i am not giving my social security number
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response o my earlier dispute that the accounts were " verified '' Come with the receipts, or be quick to delete.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a shared private school debt of $ XXXX from myself only. They have yet to show me proof of signatures on these loans or the proof of the exact amount owed. This entity is currently under a law suit by the federal government and I want to make sure they arent coming after me unlawfully.
Product: Credit reporting or other personal consumer reports

I'm sending disputes and they are sending stall letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have a right to privacy. I did not give any creditor or credit reporting agency written or verbal consent to furnish any of my personal information to Experian. I recently received a copy of my Experian, XXXX and XXXX credit report, and I noticed some late payments posted on my credit report. 

XXXX : 5 Missed payments XXXX XXXX : 2 Missed Payments XXXX XXXX 2 Missed Payments XXXX XXXX XXXX XXXX 2 Missed Payments XXXX XXXX XXXX XXXX 1 Missed Payment Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because it's my transactions with the line of credit that the person " corporation '' extended to me the consumer.
Product: Debt collection

Some Company by the name of rent debt has stolen my identity. They call me constantly demanding i pay this debt or go to jail they also have contacted my family members providing them.with personal information.
Product: Credit reporting or other personal consumer reports

I have problems with my credit since they put accounts there that belong to my father, they are not mine. I need them to verify both files and put what corresponds to me
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate Lending Club accounts, and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is Experian.
Product: Credit reporting or other personal consumer reports

ou are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Product: Debt collection

In XX/XX/XXXX I cancelled my XXXX XXXX XXXX XXXX membership for medical reasons. For unknown reasons XXXX XXXX   XXXX XXXX kept my name in the system and did not cancel the membership as per my request. I spoke with XXXX directly when I went in to cancel the membership. XXXX was the manager in charge on that day. XXXX is committing Fraud by keep my name and my membership active when I specifically went in and spoke to the manager XXXX to have it cancelled. I was in total disbelief when I received a collection letter from an account that was kept fraudulent by XXXX XXXX XXXX XXXX. If this is their practice they should be shut down. The collection agency XXXX XXXX XXXX need to provide a validity of this debt, which can not upload because I directly went in to cancel.
Product: Debt collection

Inaccurate and Non-compliance information on my Consumer Report.

A certified letter was sent to FEB Destiny ( Exhibit A ). FEB Destiny, the creditor, signed for the letter on XX/XX/year>. The correspondence concerned FEB Destiny issuing me a 1099-C form in connection with an illegal charge-off, which was never provided to me. 

On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX, a debt collector ( Exhibit B ). In this letter, I informed them that they were in violation of FDCPA Section 1006.30 ( a ) ( the " no parking rule '' ) for reporting negative information on my consumer report without first notifying me On XX/XX/year>, another certified letter was sent to XXXX XXXX XXXX, referenced as " Exhibit C.-1 '' This letter served as my First Amendment dispute letter, as I had to resend it to include my identification and a redacted bank statement. It was also marked as Amendment # 1, as it contained a copy of my driver license and a redacted bank statement, " Exhibit C.-2 '' A certified/Notarized letter was sent to XXXX XXXX XXXX, XXXX XX/XX/year>, " Exhibit D '' as Amendment # XXXX, due to Incorrect account & account # A certified/Notarized letter was sent to XXXX Exhibit E '' was sent to XXXX XXXX XXXX  XXXX dated XX/XX/year> and was sign for on XX/XX/year>. This letter reference the duties of a CRA ( Consumer Reporting Agency ) starting with 1. 15 USC 1681e ( b ) Compliance and Procedures 2. 15 USC 1681s-2 ( 7 ), Negative information ( A ) Notice to consumer required 3. 15 USC 1681i ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy & reinvestigation required On XX/XX/year>, I received a letter package from Concora Credit Inc . This letter included an account package detailing the account 's history from its inception until it was closed. The package was dated XX/XX/year>, but received on XX/XX/year>, which constitutes a violation of 12 CFR 1006.34 ( c ). Exhibit F On XX/XX/year>, I sent a follow-up certified/Notarized dispute letter to Concora Credit Inc., addressed to `` Attention : Arbitration Demand '' at XXXX XXXX XXXX, XXXX, OR XXXX XXXX In this letter, labeled as Exhibit G, I requested arbitration and disputed the entire alleged debt under 12 CFR 1006.34 ( c ). Additionally, I detailed the violations committed by Concora Credit Inc., including a breach of New Jersey 's usury laws.

The laws that were violated : 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2 ( 7 ), 12 CFR 1006.34 ( c ), 15 USC 1692g , 15 USC 1681n ), 15 USC 1681o , 15 USC 1692k and Usuary law for New Jersey
Product: Debt collection

This person used profane & abusive language defaming my character. They alleged I owed them a debt. I asked them to give me the original contract proving they gave me a loan & they defaulted. They never showed proof of them giving me a loan. They showed me transferring credits from my savings account to a new account which they seem to think they gave me. Then they charged off the account. I funded my own credit, which means they are frauds. 
They defamed my character, sold my data to 3rd party debt collectors, also committed securities fraud Also The last 4 digits of my social is XXXX
Product: Debt collection

XXXX XXXX XXXX Last reported XX/XX/XXXX {$3500.00} Open balance XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I have had a XXXX account that has been active. This popped up and they refuse to validate the account. Please delete from my transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXXBalance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXXBalance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLL ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Product: Debt collection

I was surprised to see a negative report in my credit score. When I dug deeper, I saw that IQ Data International has reported an unpaid debt which has hurt my score. 

I do not have any unpaid debt with my previous rent. I had closed out all accounts with the rental company when I handed over the keys. 

I had not received any bills from either the rental company or the debt collection agency. 

I suspect either this is completely fraudulent or someone has stolen my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX  stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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  - XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the US Federal Trade Commission that all 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

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history. I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 15 U.S.C 6802. ALL INCORRECT INFORMATION THAT DOESNT BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT.

XXXX XXXX XXXX XXXX XXXX ) was opened XX/XX/XXXX with the amount {$2100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened XX/XX/XXXX with the amount {$930.00} -XXXX  XXXX  XXXX  ( XXXX  XXXX  XXXX  ) was opened on XX/XX/XXXX with the amount {$6300.00} ALL ABOVE INCORRECT INFORMATION DOESN'T BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT.
Product: Mortgage

Purchased the house in 1988. I retired and could no longer afford the home. Contacted the mortgage co. to do a quick sale it was approved. Could n't sale because they wanted more than the house was worth per thier appraisal. Next they approved a died in lieu. Next they kept stalling. Said thier Attorney had to do a lien search. Came back and said XXXX XXXX XXXX ahd a Lien on the property. I have never had any loan with XXXX. So I had a Attorney run a search nothing. I ask for the report. They sent me a report ran by XXXX XXXX Mortgage in california. I called them, they could not find anything. XXXX me to the Company in Indiana, they found nothing. So apparently these papers they sent me are fradulent. What they sent me was something they typed up. There is nothing legal about it. My Attorney did not find anything, thier soppose mortgage co dod not find or know anything about this lien. XXXX XXXX has been out of business for many years merged with XXXX XXXX, they had nothing. Changed name to XXXX XXXX XXXX, called them they had nothingThis has been going on for more than a year. My credit is now shot. They approved the quick sale, but I can not sell it because it is worth XXXX but they will only accept XXXX had offers for XXXX. Now they are putting up all the obstacles to not do the deed in lieu. Since there is no lien. They need to get this done and over with.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many unauthorized accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXXXXXX XXXX Equifax breach recently, I would think you all would take extra measures to protect my consumer report. I do not feel that my information is being protected. As an attorney, I know this is defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness sand they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and unauthorized accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00} or as the law will allow. Ive paid many application fees for credit cards and rental just to find out that unauthorized accounts are being reported. I have wasted time and money that I can not get back. I am demanding remedy per Law. As this is my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress and a lot of my time as of now. These companies and the credit bureaus are being sued for such damages already. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items arent removed and blocked immediately and willing to do whatever I need for justice
Product: Mortgage

I have had my mortgage sold to Bayview Financial Services in Florida by XXXX in XXXX XXXX. I have been sending over double the payment every month since then. They have misapplied my funds very regularly and not applying my payment as instructed on the form to interest and extra to curtailment of principal. They are not permitted to call me. I have to call weekly to make sure they are applying the funds properly. In my statement of XXXX XXXX, XXXX it said I owed {$2100.00} and showed many misapplication reversals and suspense of my funds. I have no idea what they are doing as I received a certified letter in the mail about foreclosure because of three month non payment of the mortgage. I have all the bank statements and copies of all the checks showing that I have been paying {$1000.00} a month for two years. Now they are telling me that I should disregard this foreclosure notice and are applying the funds correctly but I am very worried something bad will happen to my property. Can you help?? I am scared and want my payments applied correctly on the date I mail them my payment and extra principal. What should I do?