23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Date : XX/XX/2020 Issue : Called through an automated call line to the operator. The operator who received my call put me on a 30-minute hold to " look up the laws in Colorado, '' by which he clearly intended to make sure I was forced to hang up, as he did not return to the line. I was not helped in closing the account, which I am continuing to try and do. I have set up direct deposits and would like to close the card so as to not incur the {$1.00} fine each year.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed ( XXXX XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX  XXXX  XXXX  XXXX ; XXXX On XX/XX/20, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I have noticed that there are several inaccuracies on my Equifax credit report. I tied to dispute directly with the credit bureau but they have not investigated and have not removed the information from my credit report. I have not heard back from them in more than 45 days since my last letter to them. In accordance with the Fair Credit Reporting Act this information must be removed from my credit report immediately. Equifax has violated my rights and ignored my request for a proper investigation.
Product: Debt collection

XXXX XXXX XXXX. 

XXXX XXXX XXXX, NC XXXX XX/XX/2018 Phoenix Financial Services XXXX XXXX XXXX XXXX IN XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : XXXX XXXX XXXX XXXX Account Number : XXXX Debt Collectors Account Number : N/A Dear Phoenix Financial Services : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ), XXXX  XXXX  XXXX  ( XXXX   ) and office of attorney general. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



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

I contacted Equifax on XX/XX/2019 at XXXX XXXX and spoke with XXXX due to an unauthorized address change in my credit report for your bureau only. After going through the authentication process and approved, I found out that a lender had changed my address in my personal information. When asked what lender changed my address, XXXX informed me that she did not have that information. I also questioned how a lender can just change my personal information without going through a process such as I did and how a lender could change my personal information. I was also informed that she did not have that information. I was then informed that I have to write a letter, make copies of more of my personal information and send it in to get my address changed back to the place that I have lived for 10 years when I did not authorize the change in the first place. The credit bureau never contacted me. I only found this out because I have XXXX XXXX protection services. 

I feel it is a violation to allow any company or other individual to change my address without personally contacting me first and for it to be extremely difficult to correct my own information. I really do not understand how this is acceptable. I sent a letter to Equifax about the issue and sent the documentation I had. I also question how a lender can have a copy of my drivers license and my social security card to change my address. I attached the letter I sent to the company below.
Product: Debt collection

These are not my accounts. I have no knowledge of these accounts. 15 USC 1681b. Please DELETE the following accounts from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my XXXX  to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX ACC XXXX HAVE VIOLATED MY RIGHTS UNDER XXXX5 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX
Product: Mortgage

I have a buyer willing to pay the bank {$990000.00} and payoff {$300000.00} in violation and bank is refusing to accept. My credit will be ruined and I will never be able to buy a house if a foreclosure is reported on this property
Product: Debt collection

I lived at XXXX XXXX for a year. Rent Recovery is trying to collect from me. I made sure I followed rules, and cleaned the place spotless before I left. I have pictures to prove it. And pictures of even getting the carpet cleaned and they still say I owe them XXXX for a deep cleaning of the apartment and broken blinds. I do not mind paying for the blinds but there needed not to be a deep cleaning at all. Any cleaning that would have been done would be normal cleaning for the next tenant to live there. A routine clean.
Product: Credit reporting or other personal consumer reports

I had a XXXX  charge card. I paid it timely. XXXX changed banks and closed all cards and took their business to a new bank and we were all distributed new charge cards. I did not voluntarily pay off and close an account. However, Experian dropped my credit score XXXX points for closing the account.
Product: Credit reporting or other personal consumer reports

Wells Fargo Card Serv. I disputed this account last month. Included with my dispute was a letter from Wells Fargo that confirmed the account was not 30 days past due for my XX/XX/XXXX payment. The letter clearly states that a payment was made on XX/XX/XXXX. Pursuant to a settlement agreement with the XXXX and other attorney generals in XXXX, XXXX XXXX agreed to assign an employee to investigate disputes that have supporting documentation. I would a description of XXXX XXXX investigation of my dispute. In particular, please state whether XXXX XXXX assigned an employee to investigate my dispute and if so, what were the findings. 

Also, there are new problems with XXXX XXXX reporting of this account. First, my payment for XX/XX/XXXX is missing from the payment history of the tradeline. Second, XXXX XXXX is not reporting that the account is disputed, including the nature of my dispute. Third, XXXX XXXX is not reporting a Date of First Delinquency. Please remove the late payment notation for XX/XX/XXXX or remove this account entirely. Otherwise, XXXX XXXX needs to report complete information and include the information that I just identified as missing. 

XXXX XXXXXXXX XXXX. I received dispute results for my dispute regarding this account. The File Number and Date Issued for the Investigation Results are XXXX and XX/XX/XXXX. I disputed that the account was 30 days late in XX/XX/XXXX. Not only is XX/XX/XXXX still reporting late but my payment for XX/XX/XXXX is not reporting and the pay status is reporting as 30 days past due. I made my payments in XXXX and XX/XX/XXXX within 30 days of the due date. The account is currently on time. And I was current/on time in XXXX and XX/XX/XXXX. 

I viewed my myXXXX  report and it reflects that the account was current in XX/XX/XXXX. But XXXX XXXX XXXXnvestigation Results is reporting the payment status for XX/XX/XXXX as Unknown. Also, the payment history stops in XX/XX/XXXX. As a result, my payment for XX/XX/XXXX is not reporting. I am attaching my myXXXX  report, which shows the account should report as current/on-time in XX/XX/XXXX. I am also attaching a screenshot of my online account with XXXX XXXXXXXX XXXX  The screenshot shows that the balance is {$14000.00} and that a payment of {$470.00} was paid on XX/XX/XXXX. XXXX XXXXXXXX XXXX  reported this account to XXXX XXXX before my payment of {$470.00}. But the payment was only 9 days late. The payment due in XX/XX/XXXX was {$460.00}, which was covered by the {$470.00}. Despite the payment, XXXX XXXX is still reporting that the account is {$460.00} past due.
Product: Debt collection

I have encountered several incidents of financial identity theft dating back since XX/XX/XXXX. On XX/XX/XXXX I was notified by a Notice of Adverse Action of a debt I do not owe. A payday advance loan was applied for using my personal information. I did not apply for this loan nor do I know where the money has been used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage loan with XXXX XXXX XXXX XXXX. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # XXXX
Product: Debt collection

I called Credit Collection Services on XX/XX/2020 in reference to a debt owed to XXXX XXXX XXXX XXXX for XXXX. I reached out to dispute this bill because I never signed for service from this auto insurance company and the next day they put this debt on my credit.
Product: Debt collection

There was loan taken out in my name without my permission.. My family keeps robbing my identify.. XXXX erased email containing access to credit karma. Then credit karma refused to allow access to recover an dispute.. While people keep taking over my name.
Product: Bank account or service

Citibank had a promotion to give you XXXX if you deposit XXXX and not use it for 90days. the 90 days is up and I am having a problem getting the XXXX dollars added to the account
Product: Debt collection

Contacted company to provide a valid contract that I had business with them company refused. I did not have an account with this company and would like for it to be removed from my credit report. Contacted bureau and they did not provide any valid documentation that this account belongs to me as well. This is hindering me from getting services in my home. This company has provided a bill ledger but not a valid contract with my signature stating that I was doing business with them or their company.
Product: Prepaid card

I never activated card in the first place and while moving I lost card, and could not get replacement. I would like the funds deposited or new card. I been dealing with this for a few years now!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Management marked an account as in collections from XXXX. I believe this was for equipment. I returned the equipment but possibly this was already sold to a creditor. I am not sure. I do know that I do not owe XXXX anything and I never signed any contract with this company or had any kind of contract with Credit Managment. I have disputed this with all 3 credit reporting agencies. XXXX  removed it the next day, XXXX   and XXXX  have not. Both of the latter companies always have the wrong information on my report so that I can never access my report online due to them having something wrong with my information.
Product: Consumer Loan

i was scammed with a vehicle given fradulent XXXX that didnt belong to the car who was wrecked prior to my sale and repaired then was forced into this loan lost my job due to health issues and car was repossesed now they have offered me a settlement and i gave i but they refuse to update my credit file as its being reported unaccurately
Product: Debt collection

I found out around XXXX time that strangers were ringing my doorbell asking for me. One appeared at my garage while I was inside and wanted to see my identification. I did not show it to them. My husband asked who they were and they did not reveal any information. We received knocks on our front door late evenings and early mornings on Sunday and XXXX XXXX. They would ring the doorbell and knock and ring the door bell. They would wait outside of our house in their car. I was afraid to leave the house and my kids felt disturbed about all of the times they attempted to knock and ring the doorbell over and over. They were different people over multiple times of day. Recently, I was sent a solicitation in XXXX by a debt lawyer to help resolve a collection case that XXXX XXXX has against me that I was unaware. The lawyer even provided the case number from XXXX XXXX County Superior Court against me which I verified. I never received any type of court paperwork notifying me of this legal action from anyone. I believe what XXXX  is doing is unlawful. I need some help in determining what they have done was illegal.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 


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

Open loan XX/XX/XXXX amount {$20000.00} 36 months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on 17 months current on 36 month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX XXXX XXXX XXXX report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to XXXX credit agency credit report. TransUnion, XXXX and XXXX. The CoXXXX promise of correction nothing came. 
I lost XXXX point for false report from XXXX XXXX XXXX. 
I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the 3 credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the CoXXXX XXXX XXXX XXXX return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the 3 Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND XXXX, XXXX AND TRANSUNION ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated
Product: Mortgage

We were send a closing document to sign that was unbalanced/contained errors. It was sent to us at the end of business day when there was no one available to call to ask questions to. We looked at/acknowledged it. The next day we were notified that there were errors in the closing document/that it was unbalanced and told that we had <1 hour to decide if we wanted to delay closing/risk losing the house or lose out on {$5500.00} worth of seller credit. No one took responsibilty for the error. In fact, we were blamed for the error ( the mortgage representative told us the error was because we rushed them ). I have tried multiple times to address this with bbva. The mortgage lender has not acknowledged or taken responsibilty for the error in the CD that lead to our loss.
Product: Debt collection

Todays date:XX/XX/XXXX XXXX, XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX IC SYSTEM Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious IC SYSTEM I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX  ,   FL XXXX