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

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00}
Product: Debt collection

XXXX XXXX XXXX/ ACCOUNT Original creditor : SYNCHRONY BANK Balance : {$1100.00} Balance updated : XX/XX/year> OPENED : XX/XX/year> Debt Buyer Reporting late payments and inaccuracy that is NOT 100 % accurate. This account is illegal and in violation under 15 usc 1681i ( a ) ( b ). 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 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 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. THIS ACCOUNT IS NOT VALID OR HAVE ANY PERMISSIBLE PURPOSE 15 usc 1692g ( b ) and 15 usc 1692 ( 8 ) ( E ) ( J ) ( D ) ( 8 ). NOT VALID
Product: Credit reporting or other personal consumer reports

Dear CFPB Complaints Department, I am writing to formally file a complaint against XXXX for mishandling my escrow account and subsequently reporting an inaccurate late payment to the credit agencies, which has unfairly impacted my credit report. 
The issue arose after a shortage on my escrow account, which XXXX failed to inform me about. I later learned that approximately {$2000.00} was marked as " suspended, '' as cited by a XXXX customer service representative, instead of being applied to my mortgage payment. Additionally, I had recently changed home insurance providers during this period. However, the refund from my initial policy was never received or applied back to my account, further compounding the escrow shortage issue. 
Without prior notification or explanation about the escrow shortage or its effect on my payment status, XXXX reported my mortgage as delinquent to credit agencies. This reporting is inaccurate, unfair, and has caused unnecessary harm to my credit standings. 

Desired Resolution : I am requesting an immediate review and correction of the inaccuracies on my credit report. Specifically, I ask that CFPB require XXXX to : Reverse the negative credit reporting and clear my record of any late payments related to this incident. 
Provide a full accounting of my escrow account and confirm the adjustment of the {$2000.00} suspension to the appropriate balance. 

Thank you for your attention to this matter. I trust your office will thoroughly investigate and assist in resolving this situation promptly. Should you require any clarification or additional information, I am available at XXXX and XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Credit Bureaus for Non-Compliance with FCRA Dispute Process Dear CFPB, I am filing a formal complaint against Experian for failing to respond to my credit report disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Since XX/XX/year>, I have submitted multiple disputes regarding inaccurate and unverifiable information appearing on my credit reports, but the credit bureaus have failed to provide a response within the legally required timeframe. 

According to the FCRA, credit bureaus must investigate and respond to disputes within 30 days of receiving a dispute ( or 45 days in certain cases ). However, as of today, I have not received any response, nor has any corrective action been taken regarding the disputed accounts. 

The accounts in question include : XXXX XXXX Account # XXXX : ** Charge-off status disputed due to lack of verification. 

XXXX Account # XXXX : Charge-off status disputed due to lack of validation and incorrect reporting. 

XXXX  XXXX XXXX Account # XXXX : Charge-off status disputed despite balance being paid in full. 

XXXX Account XXXX XXXX : Charge-off status disputed due to lack of verification and potential duplicate reporting. 

XXXX Account # XXXX : Charge-off status disputed due to inaccurate reporting and FCRA non-compliance XXXX 

XXXX XXXX XXXX Account # XXXX : ** Discrepancies in reporting dates and verification of closure requested. 

XXXX XXXX Account # XXXX : Inaccurate charge-off status with inconsistent reporting across bureaus. 

XXXX XXXX Account # XXXX : Charge-off status disputed due to inconsistent reporting and lack of verification. 

These credit bureaus have failed to meet their legal obligations under the FCRA, which has negatively impacted my credit score and financial standing. Due to their non-compliance, I request the CFPB to take the following actions : Order the Immediate Removal of all disputed accounts from my credit report due to the failure of the credit bureaus to provide a timely response.

Investigate the Non-Compliance of the credit bureaus with FCRA regulations and hold them accountable for their failure to act within the legally required timeframe. 
Ensure Compliance with the Law by mandating that the credit bureaus follow proper dispute resolution procedures in the future.

I am attaching copies of my original dispute letters and any supporting documentation sent to the credit bureaus as evidence of my claims.

Please take swift action to enforce consumer protection laws and hold these credit bureaus accountable for their failure to comply with the FCRA. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appeared on my credit report. The inquiry in question was not initiated or authorized by me, and I believe it is a result of fraudulent activity.
Product: Debt collection

A person contacted my employer about a credit card debt from XXXX of XXXX. They said they where an attorney verifying my employment to send court ordered garnishment papers. They left a phone number of XXXX ref # XXXX. My work gave me the information and I called the number. They were very vague about a lawsuit and then denied even calling my work. Then a man claiming to be an attorney, Mr. XXXX ( his name is the only information he would give XXXX told me he is looking at my credit report and that I don't look like I'm trustworthy and I had to pay the money of almost $ XXXX or be sued. He told me that I opened up a credit card in XXXX XXXX Washington back in the early XXXX 's. When I informed him I left XXXX Washington in XXXX to move to California he then gave me another number to call. He would not give me any information regarding his law firm. I called several more number after calling the one he gave me to get to a company called USI Solutions XXXX XXXX XXXX XXXX XXXX Ext XXXX Ref # XXXX. There I spoke with a woman claiming to be a XXXX XXXX. She informed me that this was an attempt to collect a debt from XXXX XXXX back in XXXX. I informed her that to my knowledge I have never had a XXXX XXXX  card and never lived in XXXX Washington in XXXX and In fact bought a house around that time in Ca. She told me it did not matter and that the debt was mine and I had to pay it in full right away or risk legal action against me. When I asked why they called my work she claimed they did not do that. And a few minutes later she said but if I paid it they would stop the garnishment. She said things like you must have forgot you had this credit card. Every time I asked for proof this was even my account she would then get very forceful and intimidating and say things like if I ask for proof then I would owe the full amount and they wouldn't be willing to settle for less. She kept insisting on a debit card and to at least pay {$25.00}. They had my address and phone numbers wrong and claimed they sent me notifications. This whole thing was embarrassing because they involved my employer, completely stressful with the feeling that I was being extorted for money and seriously interrupted my life in general. Since the phone call I have since found out that a debt that old has a statue of limitations which has ran out by many years. I have also NEVER been notified that I was being sued for wage garnishment or that I have even owed this debt. They also would not even give me proof the debt was mine. I honestly feel that a company claiming to be XXXX XXXX out of XXXX XXXX XXXX, Mr. XXXX falsely claimed he was an attorney and USI Solutions are all in violation of the law and use these tactics to extort money from people. Calling a persons work place to embarrass and humiliate them is not a right they have and further more to refuse to give them proof of a debt has to be illegal. California has a statute of limitations of four years for most types of debt, and XXXX was XXXX  years ago on top of the fact I have never had a XXXX credit card!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

Barclays Bank has decreased my credit limit on all three of my credit cards : XXXXXXXX XXXX XXXX XXXX Credit Card XXXX XXXX  The bank has not given me a valid reason & I would like for my limits to go back to their original limits
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, de XXXX {$960.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I already lost 4 hours in phone calls trying to resolve this. On XX/XX/XXXX I called BofA to report my XXXX credit report showed I opened a credit card with BofA which I never did. 

The bofa representative did not understand my request correctly and closed my 5-year old credit card with BofA and marked as fraud. Before finishing the call he repeated the account number and I stated he made a mistake closing my account ending in XXXX but he panicked and transferred me to another person. 2 hours back and forth with fraud and customer service. No one could resolve my issue. 

On XX/XX/XXXX my statement will be due and XX/XX/XXXX I will have another statement due. I have no access to the online website anymore and could not pay my balance. 

Today XX/XX/XXXX i called again to pay this by phone. I lost another 2 hours back and fourth with the customer service and fraud. Customer service can not accept the payment because the account is flagged as fraud. Fraud could not resolve as well. I tried to speak with a manager in the fraud department. And could not reach him. 

Eventually the fraud department asked me to try to pay through an IRV system. She forwarded the call but I was disconnected. 

I am filling this complaint after 2 weeks and 2 phone calls ( 4 hours total ) trying to pay my balance in an attempt to have someone who can resolve this issue and before my credit report gets damage due to the series of BofA mistakes, ad training, and failed procedures.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Navient ( formerly Sallie Mae ) has been pushing my load due dates forward instead of applying overpayments to my principal balance. I have requested that overpayments always be applied to the principal over the phone, over the course of MANY MANY years. There is no online option to direct overpayments to the principal balance. I was able just now to change the default overpayment setting from " pushing due date forward '' to " bill for full monthly amount '', but only after researching this extensively on the internet! This option is hidden and you have to know exactly where to find it. In addition, there is no option to sign up for auto pay and include an overpayment. It is clear that by limiting consumer ability to dictate when and where a payment should be applied directly benefits Navient, at a high cost to me, the consumer. By forwarding due dates instead of reducing my principal balance, and by eliminating options for overpayment via autopay, Navient can ensure that I will continue to pay my student loan for as long as possible, thus, ensuring they rake in all the interest they can. This should be illegal. 

Like other predatory practices, the hiding policies and procedures for handling student loan payments exclusively benefit Navient. They know that most individuals will fail to recognize these practices as harmful. Those who are aware of Navient 's unethical practices will have to put in an enormous amount of time and effort to identify, correct, and continually monitor for compliance with consumer instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2010 I went to key bank and purchased my bank check {$5300.00} for our mortgage, as I had for many months.Because our farm was in foreclosure, the mortgage holder did not accept our payment.At the time I assumed my husband had taken it back to the bank to cashed or deposited it.He was not in good health and he passed shortly after we lost our farm.In the process of one of my moves I found the check in an envelope in his desk.I took it back to the bank to see how cash it out.The bank manager looked into it and because there was no time deadline and I was the actual remitter I could deposit it into my acct with out a problem.I gave them cash to purchase the check.It bounced in my acct a few days later and they ended up closing my acct because I couldnt make good on the check and put me in XXXX XXXXAfter going through many departments of the key bank they told me that the teller had not filed the correct paperwork when I bought the check so since they cant locate it all that I could not redeem my check, with an apology.Im not sure how this is my fault or loss, Ive been to the Attorney Generals office, they referred me to CAU they put a case together with a complaint file # XXXX that they forwarded to your office with an email referring me to you.Now I know that this is an old case but not because I havent tried, I was under the assumption I had no place to go with this.Im living on ss widows pension, and the cash I gave key bank for the check that never got cashed is floating around collecting interest in key bank somewhere.They sent me back a copy of the check with a stamp across it that says-refer to maker? On top of it Im still using another key bank account to get my ss check deposited into every month because I cant go to another bank Im in XXXX XXXX ( humiliating ) Sorry for the book I wrote in regards to this problem.Your company is kinda the end of a long rode.I just want the money I put out and interest would be a bonus, plus the inconvenience and embarrassment when I attempted to write a check in a public place.Hoping you can be of some help-Constance XXXX XXXX. Email- XXXX. XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX someone has used my personal information to obtain services and goods using my identity, that being said i have contacted all XXXX credit reporting agencies and they have failed me many times in regaurds to this matter! .i am running out of options and i connot afford any attorneys at this point so this will be my last attempt to file this complaint. but i have been a victim of XXXX XXXX  and someone took my personal information and decided to open many fraudulant accounts and fraudulant address as well.please remove and block all the fruadulant accounts and address off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit when I saw an account on there that was not mine! This is a huge error or fraud! I'm the only one allowed to use my credit and I haven't gave permission to anyone else. This account does not even have any connection or relationship to any account or transaction that i approved of using my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.