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 items 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 any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX Balance XXXX {$560.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

I recently received my Equifax credit report. I sent them a letter on XXXX XXXX XXXX along with proper verification. I stated that the incorrect personal information and inquiries on my credit file was due to fraudulent. After receiving the results that was still remaining. I called Equifax to report it again and nothing was done. I also put a fraud alert on my account after noticing this incorrect information.
Product: Credit reporting or other personal consumer reports

I am victim of Equifax XXXX breach and also XXXX XXXX XXXX and I requested my consumer report and noticed that the accounts list are bot mine and I have no knowledge of these accounts : Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Bank Account Number : XXXX and a list of inquiries that are unauthorized : 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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balance : {$10000.00}, XXXX XXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$1100.00}.
Product: Mortgage

Allegedly XXXX bought my mortgage in XXXX. I have yet to receive any statements in the mail. XXXX keeps calling my phone and hanging up. I filled out autopay fax form and sent it in with no response. XXXX fails all security setting. Site does not allow me to use a username name to login. They require me to fax stuff, it not 1980 anymore. And I get zero responses.
Product: Student loan

I contacted CFPB XXXX. The lender responded that they received notification of complaint on XX/XX/XXXX. On XX/XX/XXXX I submitted a School Misconduct Discharge Application for " private loans ''. On XX/XX/XXXX Navient responded with 2 separate letters : " IRIS, federal loans you owe have been discharged. '' Account number : XXXX - XXXX and XXXX - XXXX I contacted them regarding School Misconduct Discharge and only received information about federal loans being discharged, information that I had previsouly received.
Product: Credit card

On XX/XX/year>, I attempted to make an {$86.00} payment at XXXX XXXX XXXX using my Citi card. The transaction was declined, and I was asked to contact XXXX customer service team. 

During the call, Citi requested an additional phone number to verify my identity because they just dont use my number on file, which I found to be ridiculous. Then, I was asked to call back from my workplace to complete the verification process. This requirement makes no sense, as I am currently on vacation in XXXX and not at my workplace. Then, they said will send me a paper letter with a verification code, but couldnt provide a ETA for the letter to arrive. 

The inability to resolve the issue on the spot caused significant inconvenience and disrupted my travel plans. I believe this reflects poorly on Citis verification practices, and it highlights a need for more customer-friendly procedures. 

I am submitting this complaint to ensure that issues like this are addressed and resolved appropriately. Customers should not be subjected to such inconvenient processes, especially when traveling or in similar circumstances.
Product: Credit reporting or other personal consumer reports

This account was purchased by a Debt Collector without my legal written consent.

I have no knowledge of this account presented by the Debt Collection Agency.

I do now own this account, therefore it is Fraudulent. 

XXXX XXXX XXXX are furnishing inaccurate and incorrect information to the consumer agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( 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. Duty : A moral or legal obligation ; a responsibility. Accurate : Correct in all details ; exact. Prohibition : A law or regulation forbidding something. As defined by The IRS valid.
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX 's XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 items 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: Checking or savings account

On XX/XX/XXXX I received my checking account statement from BMO Harris Bank and noticed my account had a XXXX balance and that BMO Harris had assessed a " Service Charge '' of {$1.00} and upon reviewing previous statements discovered that they had recently assessed maintenance fees depleting the account of its nominal balance. I called BMO Harris on XX/XX/XXXX and the first person I spoke with said they had changed the terms of my account and that now I would be assessed a service fee but if I chose a different kind of checking account she would credit all of the service fees back to that account. When she tried doing this, she discovered that BMO Harris had unilaterally closed the above referenced checking account and  that because it was closed she could not credit back the money BMO had wrongly taken from my account ( despite her willingness to do so but for the account being closed ). She then transferred me to " XXXX '' who told me that there was no way to get my money back. When I asked him for the names and addresses of BMO Harris ' regulators he said that he did not have that information to give out. He also said that there was no one for me to talk to about getting my money back. The first representative did tell me that my XX/XX/XXXX bank statement disclosed that BMO would start charging fees ; however, in describing the new checking account she was going to try to get me in, she said the new account did not have " hidden fees '' or " hidden terms '', thus acknowleding that BMO Harris did in fact hide the fees that they were going to start assessing the account they subsequently closed after they drained the money out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint and was told it was being worked on. However, experian allowed the company to again submit for payment on an already settled account, and one they said was being investigated and worked on. This happens every time experian states they are resolving it, yet the company keeps submitting for an already settled claim.
Product: Credit reporting or other personal consumer reports

I have no connection to the mentioned creditors, and I urgently ask for these inquiries to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Can you looked into this matter, I wrote this company a letter LVNV a FUNDING LLC. XXXX XXXX XXXX  XXXX. File No. # XXXX. This company are not on my credit reports, I dont know were this amount {$1900.00} is coming from. Please look into this matter. Thank you for your time and consideration.
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. 

XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair crediting reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5 they are supposed to do this treatment of inaccurate or unverifiable information.

After any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.

15 USC 1681s.2 states that they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have any reason to believe that the information is inaccurate.

Last but not least, according to 15 USC 1692C they also violated my rights for unlawful communication.
Product: Debt collection

I'm written this letter to complaints long silent zombie XXXX mortgage or debt XXXX filed a notice of default and start the foreclosure process on my house after silent for 15 years, ( RRA CP OPPORTUNITY TRUST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX borrow {$89000.00} home equity loan ( HELOC ) from a company known as XXXX bank XXXX. security for this loan, in the form as mortgage, the HELOC was transferred to XXXX XXXX XXXXXXXX and then some other companies that current beneficiary is XXXX XXXX XXXX XXXXT 1. In XXXX we ( me and my husband ) filed bankruptcy and XXXX I thought the HELOC XXXX mortgage had satisfied, the last payment I made to XXXX was in XXXX, XXXX. In XXXX, XXXX our primary mortgage was modified under a governmental program known as the making home affordable program ( XXXX ) the program required that any secondary mortgage had to be satisfied, base upon this requirement that the HELOC was satisfied by the U.S. Treasury Department and can not enforce foreclosure now, The statute of limitation expired long ago we have not made a single HELOC payment since XXXX, XXXX. In XXXX, XXXX, CFPB issued guidance to debt collector 's to protect homeowner from XXXX mortgage foreclosure, that who brings or threatens to foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and it's implementing regulation, that's may be unenforceable in court. However they still filed a notice of default to XXXX XXXX on my house. Thanks
Product: Debt collection

XXXX sold me 2 new cell phones without letting me know that they were adding an extra line to my account. When i found out about this, i went and returned to the cell phones to them. I have a receipt for the returns. I was very upset about what they had done, so i closed my account with them as well. 

They sent my account to collections, even though they owe me a credit of {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute letter to all XXXX bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

XXXX. Addendum XXXX : Request To XXXX XXXX For XXXX dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX of XXXX. 

XXXX. Addendum XXXX : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX. 

XXXX. Addendum XXXX : After XXXX XXXX dated on XX/XX/XXXX. Please refer to the highlighted section on page XXXX of XXXX. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the XXXX XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the XXXX years Statutes of Limitations to collect such debt, and thus should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My company XXXX XXXX XXXX XXXX XXXX XXXX ) is required to obtain a performance bond to satisfy the requirements of a government contract that we were awarded. The bonding agency uses XXXX XXXX XXXX to do a credit check and denied my bond based on a low credit rating being reported by the Experian credit reporting company. In order to find out what was on this report I had to purchase a credit report from Experian. The Experian report regarding my business gives a score of XXXX or " High Risk ''. The report details a " Bank XXXX '' charge off of {$22000.00} on XX/XX/XXXX XXXX. This is completely false information as I have never had a bank card charge off and have no idea what this is. They don't report the one bank card that I do have which has always been current and has a balance of {$3000.00} which is paid automatically each month. The Experian report also lists a financial services account with a balance of {$20000.00} and a 31-60 past due amount of {$840.00}. The only bank loan that we had was a business line of credit through the XXXX XXXX XXXX Bank which is paid in full and no longer exists. The report also lists XXXX tax liens. XXXX XXXX is reported properly as released but the other XXXX have not been properly updated. This erroneous information is preventing me from obtaining an insurance bond and will cause financial and reputation harm to my company. I filed a dispute with Experian however I have not heard a thing from them. This situation is very time sensitive and I may lose this contract if the bond is not obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I filed a complaint with the CFPB regarding the request for investigation I made with two credit bureaus, report # XXXX ( XXXX ) and XXXX ( EQ ). 

I received a response from the CFPB that despite multiple attempts on my part over the course of several months for Equifax and XXXX stalling that they would still be given another 90-days. Well guess what, today is day 90 and they have NOT responded or deleted the unverified information from my report. 

HOW ARE THEY ALLOWED TO DO THIS? I am again asking for your support in having this deleted. 

MAKE THEM COMPLY WITH THE LAW. I can't keep keeping up with this. I shouldn't have to. It's stressful and harming my score. If you can't make this happen what other government agency do I complain to? This is ridiculous at this point, they have not done a reasonable investigation nor complied in a timely manner!
Product: Credit reporting, credit repair services, or other personal consumer reports

A business loan taken out by an LLC is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the FCRA.