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

AS OF MY XX/XX/2022 COMPLAINT, I got a notification about my credit report. 

INCOMPLETE ACCOUNT NUMBER FOR XXXX XXXX XXXXXXXX INCOMPLETE ACCOUNT NUMBER FOR NATIONAL CREDIT SYSTEM- XXXX In the documents uploaded below you will see XX/XX/2022 updated credit report. One from XXXX XXXX and the other from XXXX. I have still not heard from either company. However XXXX sent me an email stating that the company has verified the accounts with them and they are accurate. In my letter to XXXX I requested to be notified by mail as I had done for them, not to be replied to on a service website. 
1. There are still dates that are conflicting.

2. They have not given ME verification 3. They have not provided me the procedure in which they have investigated it and who did the investigating.

At this point, I have been denied jobs, I had to have my credit report run just so that I can be my fathers over-seer ( POA ) for the VA. They have given a certain amount of time to get this situation rectified or they may dismiss me to look over him. This is very troubling because I know for a fact I NEVER SIGNED OR EVEN UNDERSTAND THESE ACCOUNTS. They are not complying with the federal laws that I stated in the last complaint. This is troubling due to the fact my father served 24 years in the military and Im the only one that is taking care of him and I am facing loosing my responsibility that was given to me because of these two companies. I have attempted to apply for two things of which of course I was denied, in hopes to build my credit. I am desperately pleading for your help, as I attempt to just maintain my life and well being of my father. 


In detail : as of XX/XX/2022 XXXX XXXX still reporting : ( XXXX and XXXX ) - XXXX XXXX -incomplete account number -DATE OPENED is conflicting -LAST REPORTED DATE is conflicting -DATE LAST ACTIVE is conflicting *Conflicting information between the two credit monitoring companies reported National Credit System reporting : XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX  Incomplete account number DATE OPENED is conflicting LAST REPORTED is conflicting DATE LAST ACTIVE is conflicting XXXX - ( report from XXXX ) -Status Date conflicting -Account Type - Open Account -Balance Updated Date conflicting -Payment status conflicting XXXX - ( report from XXXX ) -Balance Updated Date not reported -Status Date conflicting and not a complete date -Payment Status conflicting XXXX ( report from XXXX ) -Status Date conflicting -Balance Updated Date conflicting -Terms reported not valid -Payment Status conflicting *The address for National Credit System was not the correct one when I went to send my certified mail. I realized that at the bottom where the address for the company is, one address was different then the other ( the one I wrote was wrong ), and one of the posted company names is spelled with a " S '' on the end and with a different address. How can trust this company to validate my information when their Information is not consistent for their own company.
Product: Credit card

I am trying to add my daughter who was born in XX/XX/year> to my credit card to build her credit report. However, I have spoken to multiple Chase representatives who are either clueless, dismissive or plain provide misinformation to the user. 

Chase on its own site XXXX XXXX XXXX says that one can add minors to the credit card to build their credit report. However, when I tried doing this, the bank representative ( from the credit reporting team ) gave me false information that no such thing exists and only after XXXX  years would credit be reported for the minor ( which according to Chase themselves is false ). 

All I want to do is add my newborn to my own credit card as an authorized user so that her credit file builds and helps her when she grows older. The bank allows me to add her as an authorized user but does not have a published way to add her SSN and instead its agents resort to above tactics to frustrate the customer.
Product: Debt collection

A collection agency called NATIONAL MEDIATION called my daughter and threatened to arrest me and file charges on me for a debt I do n't owe. They told my daughter that it was a payday loan and they needed money right then and there. 
My daughter gave me the message and I called and they were very rude and threatening and operating against the laws of the FDCPA. 
I explained that it is illegal to call and indicate to another person who is not myself that they are trying to collect a debt. 
He told me no it 's not. I told him that I do n't owe them and he stated that I do and if I do n't pay he is going to take action
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report Number XX/XX/XXXX, which provides the evidence of clearly fraudulent credit reporting. Under 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days of receiving the report and documents. The Federal law mentions that credit reporting records " with the identity theft must be blocked unless the items on my credit report are associated with this identity theft and must be blocked. '' I am writing to certify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and filed a complaint, which is mentioned above and referenced. My credit report contains fraudulent ACCOUNTS that are not associated with me. All relevant documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : 1. XX/XX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not removed chapter XX/XX/13 Bankruptcy from my credit report XXXX/Experian
Product: Debt collection

The apartment complex in question closed down and no longer exist. During the process of them closing the complex put notices on everyones door that they had to be out by the neighborhood closing date. The amount that the collection company is requesting is for a full month of rent when we were instructed to leave in the middle of the month. The date we moved was in the middle of the month and were only charged a partial months payment to move on that day. This collection reflects a full month of rent and we should not have been charged as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report fradugelent information on my credit report after I have provided with proof of a police report & identity theft report that these accounts do not belong to me. I have no knowledge of these account or give anyone permission to open these accounts in my name. The following accounts XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX/XXXX XXXX do not belong to me. They are also reporting names that I told them are incorrect. My name is XXXX XXXX that is how my name should be on my credit repport. I have never lived at XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC or XXXX XXXX XXXX XXXX. These inquires that are being report I never gave anyone permission to access my credit or review it for the following companies XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Certified Letters and Called Transunion and XXXX to update my Legal Name They Refuse. My Primary Name and only name on my Report should be my Legal Name only. They will not Update properly.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX account on my credit report that has an inaccurate first date of delinquency. I have reached out to XXXX XXXX  and the company has provided statements for XXXX 
The statements show that the account went over 30 days delinquent in XX/XX/XXXXXXXX  however the company is inaccurately reporting the first date of delinquency at XX/XX/XXXXXXXX 
I have disputed it and provided evidence however the credit bureaus have not updated this even though I have provided accurate evidence. 
This account should no longer be on my credit as of XX/XX/XXXX as it is past the 7 year statue of limitation
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint here using this service a few day ago and the company Rent recovery solutions responded quickly with the statement essentially saying they had ordered my credit file they reported wrong be removed from the credit bureaus but thus far it has not been done. 

This company is known for violations and will unlikely obey the law Ive learned through research. 

Please begin a new complaint with regards to rent recovery and XXXX XXXX XXXX, and please make note that rent recovery solutions should be held in contempt. 

Im including the file Pic if there submission.
Product: Prepaid card

I sent money from my chime account to someone via XXXX XXXX in the amount of {$600.00} on XXXX XXXX to purchase a product. This person accepted the cash app and later sold the product to someone else and did not return my money. I have spoken with representatives at chime and XXXX XXXXXXXX  only to have my disputes denied by chime. Representatives at XXXX XXXX said that my money was refunded back to chime on XX/XX/2023 and I was also provided a confirmation code for the refund from XXXX XXXX. I still have not received a refund from Chime or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

the following companies XXXX, XXXX, and, TransUnion are currently reporting or furnishing information that's be claim as identity theft and since they are aware of this by their first and second investigation THEY ARE AWARE BECAUSE THEY WROTE ME SAYING THAT THE INQUIRES HAVE BEEN VERIFIED I ASK FOR THE METHOD OF VERIFICATION I GOT NO RESPONSE. the violation are but not limited to 15 u.s.code 1681 permissible purpose which states I have to give written or verbal consent which I DID NOT!!! 15 u.s.code 1681s-2 which states no furnishing company shall knowingly reporting inaccurate information and 15 u.s.code 1681c-2 which states know furnishing company shall not report or furnish information that the consumer deems as identity theft and until a resolution has be had they shall stop reporting it immediately .. XXXX XXXX and TransUnion have knowledge that the inquiries listed below are not mine XXXXt XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. the inquiries ive listed below each credit agency are in violation of 1681 b permissionble purpose 15 usc 1681c-2, 1681s-2 transunion : this inquiries are unauthorize XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : these are unauthorize inquiries cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : these are unauthorize inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i would like these i
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, has failed and neglected to report my payments for several months.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX. XXXX XXXX, Account # XXXX Date opened XX/XX/XXXX Bal. {$240.00}, XXXX  XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$240.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$140.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I fell behind in my mortgage payments due to the divorce and separation with my husband. After going through the court process in XXXX, the mortgage company was willing to work out an informal agreement. I had to pay {$1000.00} down and then pay $ XXXX  monthly. On XX/XX/18 my {$1000.00} check posted to XXXX XXXX, XXXX. I then paid $ 350 monthly. At my last court date on XX/XX/18 the Attorney from the law firm representing XXXX XXXX was unable to provide my correct loan number for my account. It was said this didn't matter but to just continue making the {$350.00} payments to remain in good status. I have had problems with this mortgage company and the lawfirm throughout the whole process. 

On XX/XX/18 I was emailed from XXXX at SN Servicing Corporation saying the bank needs the {$1000.00} and the {$600.00} payment. I immediately got scared because I had already made that payment and felt like I was getting scammed. I am hoping the CFPB can look into this because I have already signed an agreement and have proof that I paid {$1000.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : Private XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, Experian, and XXXX, credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question as well as a copy of the consumer XXXX credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I would just like to make this bureau aware that I have successfully changed loan servicing from XXXX XXXX to SPS Servicing. 
The account being on escrow along with XXXX XXXX has cheated me of XXXX  of dollars per tbe City of XXXX as my investor etc etc It is with with my intent to close the escrow account requirement from my mortgage with XXXX XXXX XXXX XXXX at this time. I have asked that they credit back the Itemization Interest Calculated and Escrow/ Impound Advance Balance. I have duely paid my house insurance for the year as well as sewer/water have been paid in full for the year. I also have attempted to pay my house taxes, however payment was returned because the due date is after XX/XX/2021. 
This request is very important to me, due to a chronic illness of XXXX XXXX my eldest daughter is experiencing, the revenue interruptions caused by the pandemic, along with my fixed income coupled with a part time business. 
I really look forward to this company honoring my request during this pandemic.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Briefly. In XXXX my incomplete loan modification was sold to Nationstar from XXXX. Additionally XXXX stop paying 1/2 the property taxes in XXXX. In XX/XX/XXXX my local tax collector arrived at my door with 24,000+ bill in hand. To Nationstars credit after 3 days of hysterical calls, they mailed out a check. Nationstar was reimbursed a portion by XXXX, of which they have no record. 
The payment did trigger a negative escrow starting at 11,000+, which I would have to repay. What I didnt get was any notice of an immediate doubled payment. From 1500+ to 2900+, that is asking a lot with no notice. After a year and try to achieve a realistic payment, they finally got down to a payment in XXXX to XXXX five year repayment. This number was to include interest, principle, escrow impounds for taxes and insurance, along with repayment. Thru XXXX and XXXXimpounds were paid and the negative escrow was down to XXXX. My tax collector contacted me in XX/XX/XXXX to inform me the last two payments had been missed. After multiple arguments and lies about payment with them they paid. Then added it to my escrow charging me additional fees, starting. XX/XX/XXXX for which they had already been paid. Initially I paid the additional fee begrudgingly late while I researched it. I printed out all pertinent docs prior to making my point. They sent all docs they were working off of, nothing they had provided, proved their reasoning. In fact comparing the same two documents, had different numbers. At that point I stopped paying the additional fees and sent in the proper payment. The only person in all my calls to them who actually took a hard look at what I was telling them and needed to show her manager was fired. There escalation team nothing no returned calls. The SPOC person XXXX. They have one payment on hold because it short. The payments made that were returned have been put in a separate account. Addition fees will not be paid and we are working toward fraud charges against the company. This was a simple fix but now with the cooked numbers it has escalated. Ive had two trips to the hospital since its inception, the XXXX  is a killer. At this point Im not sure if its complete deception or absolute incompetence. Additional proof can be faxed if required.
Product: Credit reporting

This account was closed in XXXX 2015 and was supposed to be reported to the credit bureau with Transunion and still not showing closed and satisfied. I request this issue to be resolved immediately this is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX 's XXXX credit card was turned over to Portfolio Recovery. However i was in a debt consolidation program who immediately contacted Portfolio Recovery and settled the debt and paid Portfolio Recovery. Portfolio recovery has reported the difference of the settled amount as an open balance to the three credit bureaus. I have disputed the debt with the credit reporting agencies and Portfolio Recovery advised the debt is valid. The debt is not valid and they have had this negative remark on my credit files for over 7 months. This is fraud and would like action taken against this company. My credit score is being affected and i request this debt removed and my credit history fixed. It should not have been reported. I have documents to support my claim. Please help me get this corrected and also i feel action should be taken against this company.