23daVinci/CFPB_Complaints huggingface dataset:
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of specific accounts, inquiries, and personal information from my credit report, as I am a victim of a data breach. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am entitled to have information related to fraudulent accounts removed from my report to protect my privacy and credit integrity.

Please delete the following accounts from my credit report XXXX XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX U.S. Department of Education, Acct # XXXX ( all accounts ) XXXX XXXX  Acct # XXXX Additionally, I request the removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via Dealer, XX/XX/XXXX XXXX XXXX, XX/XX/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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please also delete the following outdated or inaccurate personal information : Address : XXXX XXXX XXXX, XXXX, PA XXXX Employment Information XXXX XXXX XXXX  Enclosed, please find any necessary identification and documentation to confirm my identity. Thank you for your attention to this matter, and please contact me if you require any further information to complete this request. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Debt collection

There is an amount of XXXX dollars placed on my credit report from a mobile company I have no idea where from and this is not my debt. I have contacted this company they stated they will remove the item and it is still on my credit report to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : XXXX and XXXX XXXX.
Product: Debt collection

I left an apartment complex in 2019 where rent was XXXX dollars per month. I left 4 months before my lease was up which totals to XXXX dollars. The apartment complex XXXX XXXX Apartments and the debt colelction company National Credit Systems have increased the debt nearly 300 % and put it on my credit report. From what I have read this is a violation of the FDCPA because it is a grossly increased debt amount. I tried disputing the information with the credit bureaus but when they tried to validate the information National credit systems and XXXX XXXX apartments stated it was accurate. I was not given an itemized receipt of the charged and they kept my deposit. I feel that this is a violation of Federal Law by allowing a grossly increased and incorrect dollar amount to report to my credit report. It has prevented me from my life goal of getting a home loan. I am not opposed to paying the debt, just opposed to something that has been increased by 300 %
Product: Debt collection

Called constantly at work multiple times per day. I have gotten phone calls over the weekend. Ive gotten phone calls before XXXX XXXX  after XXXX XXXX. 

Then, when I block the numbers so that Im not distracted at work, they call from various other numbers. 

Cycle repeats
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and my identity was stolen in XX/XX/XXXX ( dark web ). It was until XX/XX/XXXX, that law enforcement informed me that identity was stolen in XXXX and the individual went as far as using my social security number to work under and even submit tax returns with the IRS.
Product: Mortgage

See letter from Attorney XXXX to Cooper. Mr. CooperXXXX purchased mortgage from XXXX XXXX. Mr. Cooper held {$14000.00} escrow account to pay property taxes and insurance. Paid property taxes late incurring penalty of $ XXXX ; prepaid property taxes not due- overdrawing escrow account by thousands of dollars ; started charging additional impound fees and interest and late payments instead of securing refund of overpaid amounts ; I paid all principal and interest due on mortgage on time ; cancelled escrow account according to California law that does not allow Cooper to collect impound accounts ; Cooper increased debt load, threatens foreclosure ; provided negative credit report to XXXX  ; refuses to allow my attorney to speak to legal department ; Cooper settled multi million foreclosure scam with XXXX  in XX/XX/2020 ; I can not refinance without paying illegal charges. Forces me to file lawsuit and incur additional costs or be subject to Cooper extortion. Cooper needs to be put out of business. their practices are illegal ; their staff is trained to lie ; they do not respond in a timely manner and there is no coordination between departments. Delays are excessive..this has been going on since XX/XX/2020 and no resolution is in site.
Product: Money transfer, virtual currency, or money service

Money was transferred out of my account using cash app I couldn't get back XX/XX/year>.
Product: Checking or savings account

Chime set my money to someone on XXXX XXXX not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX  account in full it was a balance of XXXX, it was charged off but I paid it in full and I have had it investigated twice I even sent the letterhead that XXXX provided, to show that it has been paid and it is still showing as a negative unpaid item on my credit report therefore lowering my credit score and I am purchasing a house in the next couple months so I need this item removed or corrected. Its still showing on my Equifax and XXXX Report.I can't get it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from Experian, XXXX and XXXX .They said everything is 100 % Complete and Accurate. I would like to receive the Description Of Reinvestigation Procedure According to FCRA 15 USC 1681i ( 7 ).

Because the list of account below are NOT ACCURATE. The Open date, date last active, account type, date last payment, past due, Last Reported and Payment History is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.
Product: Student loan

I had to obtain private student loans throughout my college career so I could obtain my bachelors. Without the loans I would not have been able to complete by degree. I am very thankful I was able to stay in school however at this point in my life, I am not able to afford my full payment and Wells Fargo will not give me any alternative payment options. I have tried to consolidate my loans and have been denied and I am not eligible for a review of my loans because of my cosigners incomes. My parents cosigned my loans however will not help in repayment. I have a daughter now that is XXXX and I am a single mother so making these payments is impossible. I would love to repay them, but I just ca n't afford what they want per month.
Product: Debt collection

Account Number : XXXX Date Opened : XX/XX/XXXX  Account Type : Collection Status : Collection account. {$1100.00} past due as of XX/XX/. 
Status Updated : XX/XX/XXXX  demand that [ XXXX  ] correct or remove these inaccuracies promptly. 

Additionally, I would like to bring to your attention the relevant credit reporting laws governing this matter, including : 15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information to consumer reporting agencies when the information is known to be inaccurate. 

15 USC 1681i ( 5 ) : Requires consumer reporting agencies to modify or delete inaccurate or incomplete information.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against American Express and XXXX XXXX XXXX XXXX for Credit Reporting Violations Under FCRA Sections 602 ( a ), 604, 1681 ( a ) ( 5 ), and 1681s-2 ( a ) ( 1 ) American Express charged off this account and did not send me a XXXX XXXX  tax form and XXXX XXXX XXXX XXXX XXXX XXXX for the debt. There are also reporting violations on my Credit Report for this account. These violations are in direct contravention of FCRA Sections 602 ( a ), 604, 1681 ( a ) ( 5 ), and 1681s-2 ( a ) ( 1 ). 

Violation of FCRA Section 602 ( a ) ( 15 U.S.C. 1681a ( f ) ) : American Express has improperly reported information about my credit history without obtaining proper consent as required by Section 602 ( a ) of the FCRA. 

Violation of FCRA Section 604 ( 15 U.S.C. 1681c ) : American Express has provided my credit report to unauthorized parties, thereby violating the restrictions outlined in Section 604 of the FCRA. 

Violation of FCRA Section 1681 ( a ) ( 5 ) ( 15 U.S.C. 1681 ( a ) ( 5 ) ) : American Express continues to report information that is inaccurate and has not taken steps to maintain the accuracy of the data as required by Section 1681 ( a ) ( 5 ) of the FCRA. 

Violation of FCRA Section 1681s-2 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : American Express has failed to conduct an adequate investigation of my disputes as mandated by Section 1681s-2 ( a ) ( 1 ) of the FCRA. 

Tax Violation : American Express charged off this account then sold the account to XXXX XXXX XXXX XXXX. and I was not given a XXXX Tax form. 

Please request American Express to delete this account as I no longer own them money for this charged off account. 


Below please see all reporting violations/errors XXXX and XXXX : Inaccurate Reporting of Account Status ( Section 1681e ( b ) ) : Reporting the account as XXXX XXXX XXXX without accurately reflecting the consumer 's dispute status is a violation. 

Failure to Correct Inaccurate Information ( Section 1681i ) : Information previously disputed and not corrected. 

Incorrect Payment Status ( Section 1681s-2 ) : Reporting a past-due balance of {$9100.00}. How is there a balance if the account is charged off.? 

Incorrect High Credit Amount ( Section 1681e ( b ) ) : Reporting different high credit amounts for XXXX and XXXX ( XXXXXXXX XXXX XXXX XXXX  XXXX : 5. Continued Reporting of " XXXX '' ( Charge-off ) Status ( Section 1681s-2 ) : Reporting the account as XXXX XXXX XXXX multiple times Inaccurate Reporting of Last Reported Date ( Section 1681e ( b ) ) : Reporting different last reported dates for XXXX ( XX/XX/XXXX ) compared to XXXX and XXXX ( XX/XX/XXXX ). 

Failure to Update Account Status ( Section 1681s-2 ) : Not updating the account status to reflect changes, such as disputes and resolutions, may be a violation. 

Inaccurate Reporting of Date Last Active ( Section 1681e ( b ) ) : Reporting different dates last active for XXXX ( XX/XX/XXXX ) compared to XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) without justification could be a violation.
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent accounts added to my consumer report. 

On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my TransUnion consumer report from a company named XXXX XXXX  # XXXX with a balance of USD XXXX. I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report proof enclosed in the CFPB complaint. 
Reporting Act outlines the rights that identity theft victims, and those who that identity theft victims, and those who believe they believe they are victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX  # XXXX with a balance of USD XXXX.
Product: Debt collection

A dispute with XXXX XXXX, who notified me a couple of years after XXXX, I was told it was doctor coding for XXXX  I did for two doctors ( one at a tiime ), I know one doctor contacted them and they said they had this problem with them for other patients. After several months, monies they said I owed was handed over to a debt collector who opened a new account and placed on my credit report Global Radius is the culprit, I did not open an account with them. I have since had to have my blood work ( lab work ) handled by another company. Told them about my situation and was told that a lab company doesn't have the right to put a supposed lab debt on a credit report or sell to a debt collector and why and how did this debt collector open an account on my credit report. I feel this is a scam and a way to ruin my credit score by falsely stating that I opened an account with Global Radius, they have also sent me correspondence asking that I pay a lower amount and they would erase my debt. Please help me to solve this problem. These companies should not have the right to damage a persons credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER DID BUSINESS WITH THIS COMPANY, CONFLICTING INFO SUCH AS PAYMENTS BEFORE ACCOUNT OPENED?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open XXXX XXXX credit card. I got it back in XX/XX/XXXX. It was my first credit card and I was unsure about paying by a certain date and not just any time that month and ended up paying late on XX/XX/XXXX and then I was severely affected by hurricane Harvey and was unable to pay on time in XX/XX/XXXX however I did pay on XX/XX/XXXX and more than the minimum payment was. I called XXXX XXXX XXXX   and asked them if they could remove the late payments after I explained my situation and also since it was severely affecting my credit score. The agent agreed. My credit report still reflects late payment however when I call XXXX XXXX they report no late payments in their system anymore.
Product: Vehicle loan or lease

XXXX of XXXX, I bought a XXXX XXXX  XXXX from a dealership here in XXXX XXXX, NV. They got me finance through Car Financial Services here in XXXX XXXX, NV. In XXXX of XXXX, a gentleman decided that he wanted to broad side my new truck. My insurance company paid it off in a matter of days. After that I purchased a XXXX XXXX  XXXX from the same dealership, but at a different location. I was financed through the same lending company, Car Financial Services. I miss understood that there was no grace period on the payments. I missed the payment date and was considered delinquent and was referred back to the dealership. I promptly made the payment to the dealership and was pick up again by Car Financial Services. I made XXXX 's payment on time. At that point, I had my payment date to match my VA compensation payment date. In XXXX of XXXX, I made my payment over the telephone. At that time, I asked the customer representative why i was being reported to the credit bureaus. He informed that they report it ever month, and condescendingly said that i must use XXXX XXXX. He made it sound like was I ignorant and did not know what I was talking about. I had the same conversation several times throughout the past year. 
I informed most of the customer representative I talked to that my first loan was there and closed, but the second was not there. I was always informed that it is automatically reported. 
In XXXX of this year, I wanted to try to get my truck refinanced to lower my interest rate. Finally someone agreed with me and saw that it was not being report and told me what to do. 
I preceded to get a hold of the credit dispute team for Car Financial Services. I then got a letter in the mail from them stating that I was right it is no where to be fold on any of the credit bureaus. I requested that that it be posted and i was informed that the account ; as far as, the credit bureaus is concerned my account was closed and could not be reported. Why can they report one account a decide not to report the other. 
I asked why it was closed and not being reported, i was informed that it was done last XXXX. Also, Car Financial Services didn't would not to post it. 
You see I wanted to accomplish 3 things. One. of my goal was to get a bad XXXX new truck that was done. the second goal was to try to improve my credit rating and get refinanced. Hoping that would improve my score enough to use my VA loan to buy my Mother 's property for her as a present. this was the third and finally thing. Now knowing that I can't accomplish any of things, I am some what XXXX. I don't remember being told that the account was never going to be reported. 
I then was informed by the credit reporting team that they didn't have to tell me and it was their choice to report it or not. Which i found out to be true, I can't get my truck refinance and i will have to find another way to improve my score. The other option is to go ahead and file bankruptcy and start all over!
Product: Credit reporting or other personal consumer reports

Over 7 hard inquiries are on my account that I have not given written consent to, have any business with or gave any permission to pull my credit. Not only did these companies run my credit, they ran it multiple times on the SAME day, as well as different days. Equifax has failed to properly investigate this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Sequoia financial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX 15 usc 1692 c ( c ) Remove collections from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed a dispute with XXXX XXXX XXXX about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( equifax ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( XXXX XXXX ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( equifax ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.
Product: Checking or savings account

I reported fraud to Bank of America IMMEDIATELY. I got {$430.00} worth of fraud on my account. Bank of America wont give me the provisional credit immediately and they are making me wait XXXX  days. This is unacceptable. Ive been a member with them since 2010. Yes XXXX  years. This is completely unacceptable
Product: Credit reporting

Reviewed credit report and multiple unauthorized credit inquiries. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit card or prepaid card

I have a credit card from US Bank and they have reported 30 day late payment in XXXX of 2020. I was not late and have tried to get them to look into but I am not getting anywhere.
Product: Checking or savings account

On XX/XX/XXXX, I filed a complaint XXXX against Bank of America for unlawfully withholding the funds credited from my government paycheck resulting in numerous automatic payments being returned for insufficient funds including my mortgage from XXXX XXXX XXXX XXXX XXXX 

A representative from BOA contacted me on XX/XX/XXXX and assured me that all payments would be made and I would not be charge fees or penalties. 

On XX/XX/XXXX, I received a letter from XXXX stating my XXXX payment was overdue. I contacted them directly and advised that they had not receiced the payment from BOA. 

I called BOA and they advised that they had made the payment. Both BOA and XXXX advised they would investigate further to correct the error. I contacted XXXX several times without success and finally received an email which I found in the trash from " XXXX XXXX '' XXXX XXXX who stated that they had not found the payment. 

Today I again contacted BOA and had a 3 way call with myself BOA and XXXX. BOA stated again they were sending my request for an investigation up the chain on an urgent basis. I advised both parties that I did not want this to negatively impact my credit. XXXX advised it was marked late even though I requested that it was in dispute and BOA had advised them that the missing payment had been sent. 

My complaint is that BOA has not resolved all of the issues and impacts from the unlawful withholding of my deposit, they have changed my statement so that it does not reflect their mistakes/reversals so I am unable to check the accuracy of what they have done, nor do I have documentation of their errors which now have a far more significant impact on my credit, my mortgage and the fact that I have spent over 20 hours on the phone and filing complaints in attempting to resolve this error. 

XXXX has not been helpful as BOA says they have confirmation of the electronic transfer and XXXX will not establish the account it went our to. In addition, I am trying to buy another house and if they notify the credit agencies as they indicate they have done, my credit score will be significantly impacted for months. 

The entire system makes me want to go back to the mattress method of banking. 

Thank you! 

XXXX XXXX
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 XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX 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 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.