23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Ive recently pulled my consumer credit report and I've noticed some inaccuracies reporting on my credit profile.I have contacted and asked if they can investigate whether the information that's reporting on my credit report is accurate.However after they have thoroughly investigated that the information was accurate, I've noticed that there are some inaccuracies that are still reporting. I then requested for the creditor to send me any documentation they have Within 30 days. They have failed to send me any documentation in regards to the account thats reporting on my credit profile. 

In accordance with the fair credit reporting act Convergent Account number XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit card or prepaid card

I am supposed to have fraud protection with my credit card with Bank of America. I noticed 3 charges on my credit card on XX/XX/XXXX. One said it was for {$10.00} from XXXX on XX/XX/XXXX, which I did not make and two were for {$75.00} each from XXXX on XX/XX/XXXX in XXXX, TX ( a town over 6 hours from where I live which I have never heard of ). My credit card has been in my possession the whole time. I immediately filed a fraud claim and requested a new card ( which I have never received ). I have since requested another card, which I have also not received. A few days later, I noticed on my statement the charges were credited to my account, but also the  {$10.00} description was changed from XXXX to XXXX XXXX and I realized I did do that charged so I called and asked for that charged to be removed from the fraud claim, which was done. Therefore, the fraud claim is only for {$150.00}. I just checked the mail this morning, XX/XX/XXXX, and received a letter stating that my fraud claim was denied because my chip from my card was used for these charges. I called Bank of America to tell them that is impossible as I have proof that I was in XXXX, TX over 6 hours away at a Dr. appointment that day, and my iphone 's Location Services shows that I was at home the rest of the day. And I had my card in my possession the whole time. A simple google search can tell you how easy it is for people to clone credit cards. The entire purpose of fraud protection is to protect you from having to pay charges when people do things like that.They  said they did not care, and that was not enough proof. I told them to cancel my account since they have not sent me my new credit card anyway, but I still have to pay the {$150.00} balance, which is unacceptable. This also hurts my credit having to close this account as I have had it for 15+ years, which looks good, but since they would never send me a new credit card to use, I need to find a new service anyway. I think they don't like that I pay off my card every month and they don't make any money off of me.
Product: Credit card or prepaid card

I logged on to my Bank of America account and found a credit card on my account that I never opened or applied for. After waiting on hold for many hours, I finally got to someone in fraud who closed the credit card. The card had not been activated but did have an annual fee charge on it, which I was told would be removed and I wouldn't be charged for. The credit card has been removed from my account but I was then told I had to talk to someone else about getting a copy of the application and making sure the credit card was removed from my credit history. I waited on hold with many other people, for a minimum of three hours, and no one could help me. No one seemed to know who I should actual talk to or what to do. This credit card was allowed to be opened by my bank, with whom I have many accounts but I was never once contacted for verification and the bank seemed completely unprepared for helping me more than closing the credit card. I am concerned about my personal information being used again and my credit being hurt by this and BOA seemed to have no interest in helping me further. I was told I would have to just wait and see and contact the major credit bureaus in 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX XXXX lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers. 

This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.
Product: Mortgage

Forbearance due to Covid. Resumed normal payments but have an outstanding balance due to the forbearance of about {$9000.00} requested loan modification in XXXX of XXXX  and to date have not heard from mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Number : XXXX XXXX  Account Name : I.Q. DATA INTERNATIO Date Opened : XX/XX/2016 Balance : XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXXN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX,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, Transunion credit reporting agency, 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 these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I sent this company a letter on XX/XX/2018 to validate the debt that they put on my credit report. I have not heard from them and the account is still showing on my report. I know that I do not have an account with them and I want this removed immediately.
Product: Mortgage

On XXXX I submitted an " Application for Success '' to find out which programs I would be eligible for in terms of avoiding foreclosure. I was told that I would have an answer in XXXX business days. I have been calling regularly since because I would like to be able to plan how to move forward. It has now been nearly a month. 

Rocket Mortgage has kept giving me excuse after excuse as to why they are unable to make a decision. I have been told three times that a loan modification has been approved and it shows that it has been approved on my web portal, but when I try to get the terms from them they tell me that it has not been approved and that it is a mistake even though it has says I am approved for over a week. When I ask them why it is on the website, they tell me it is a mistake and to ignore it. Am I not supposed to trust that their website is accurate since that is the primary way to communicate and get information about loan? 

They have been very hard to communicate with - sometimes with hold times that go well over an hour. They have not provided consistent information. Nearly every person I speak with has something different to say. I feel they are delaying the process on purpose to let payments pile up so they have grounds to force me into a short sale. 

I have been current on my mortgage since it originated in 2023, but I had some issues come up and I was unable to make a payment - which I alerted them to before I missed it. They did not give me an option to start this process earlier than when I did. They told me there was nothing they could do at the time. 

The people that I speak with are generally unhelpful and defensive. They are patronizing, they do not answer or have the answer to many of the questions I have about the process. They have provided no guidance during the process and have left me in the dark and frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX/XXXX  XXXX Balance : {$740.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00}.
Product: Debt collection

The law office of Glassen, Rheade, McLean, Campbell in XXXX Michigan are trying to charge me interest that is unsupported by contract. We had no interest contract at all it was a misunderstanding with student loans. They never told me I owed til after the fact. XXXX XXXX is a crooked deceptive liar who lied to me about the amount of the debt. He included interest I didn't agree to at all. They are thieves and vipers.
Product: Credit reporting or other personal consumer reports

This report is in regards to identity theft and consumer credit fraud. 

Tenants at XXXX XXXX XXXX XXXX XXXX, CA, XXXX - a building owned by an unnamed landlord, under XXXX XXXX, and managed by XXXX  - are subject to frequent mail theft. People break into our mailboxes and packages are taken from the lobbies of the two buildings. Mail is also often placed in the wrong mailbox slot, as the mailboxes are neither in any logically progressing order, nor are the address/unit numbers clearly labeled on the mailboxes. This problem has been well documented, photographed, and communicated both with the property management company ( XXXX  ) and with USPS, but the landlord and/or management refuses to replace and/or to move the mailboxes to a more secure location, less visible from the street. In light of this, I routinely opt out of credit/insurance advertisements that I receive, but I continue to receive them, especially from Capital One and for XXXX XXXX XXXX . I also should have received my new driver 's license in the mail by now, but I have not received it ; it is presumably stolen. By the end of the month, I plan to rent a po box and deduct the cost from my rent- an action that was recommended by XXXX in response to the property management 's & owner 's negligence. However, I am concerned that these unwanted advertisements will continue to arrive in the unsecured mailboxes on site. 

On XX/XX/year> at XXXX XXXX, I received a voicemail asking if I had applied for a XXXXXXXX XXXX XXXX ; I had not. Every day from XX/XX/year>XXXX  to XX/XX/year>, I received emails about new credit alerts ; I was also notified that my credit score had dropped. Upon investigating further, I found odd inquiries on my credit report that I did not recognize, as well as some inaccurate other information on my credit report. On XX/XX/year> at XXXX XXXX, I answered a call from Capital One, asking if I had applied for a credit card ; I had not. 

After speaking with crediting/reporting agencies, I have gathered that my name, date of birth, social security number, email, and address have all been compromised, stolen, and used to apply for multiple lines of credit. At the least, applications were submitted for a XXXX XXXX Capital One credit card, a XXXXXXXX XXXX XXXX and a XXXX car loan. I was able to contact Capital One and XXXX about this problem ; the applications were rejected and flagged as fraud. I left voicemails for XXXX on XX/XX/year>, on XX/XX/year> at XXXX XXXX  XXXX, and on XX/XX/year> at XXXX XXXX  XXXX ; I have received no response from XXXX and am unable to reach a live person. I have also submitted a police report to my local XXXX Police Department, with all the information I had at the time. ( Updated information is included in this report. ) I am still in contact with all three crediting agencies- XXXX, XXXX, and XXXX- to correct my credit report. I have disputed the fraudulent hard inquiries, frozen my credit reporting accounts, and placed fraud alerts on my credit reports. I am in the process of applying for the maximum 7-year fraud alert.
Product: Checking or savings account

I have been and still are being denied a proper investigation into an denied credit card payment. The bank says they will not investigate any more and can not find the names and bank addresses i listed. I'm requesting that all complaints be read thoroughly and you will see i have infact been very thorough with names and dates concerning each and every incident. The bank is making these claims so as to not have to claim the severity of there actions. They are taking one complaint out of context and not citing the many many other complaints as a whole. They are clearly making this government oversight agency out to be a joke and it's scary to say the least. They are not, and have not, taken any of my allegations of, denial of handicapped access, discrimination, refusal of services, personal retaliation and so much more seriously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX The creditor 's fail to accurately reflect multiple payments made by me. It's to my knowledge that the creditor failed to furnish me with a statement prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed.
Product: Debt collection

XXXX. On XX/XX/XXXX, I, XXXX XXXX entered into a settlement agreement with The XXXX Law Firm in regards to Cause No. XXXX ; American Express National Bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 

XXXX. XXXX XXXX XXXX claims to represent American Express in Cause No. XXXX on an alleged debt of {$30000.00}. A full settlement amount for {$16.00}, XXXX was reached with a payment schedule of 16 months. 

XXXX. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$450.00} in reference to File Number : XXXX. 

XXXX. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Collection XXXX ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

XXXX. On XX/XX/XXXX, I sent a follow up email to XXXX XXXX XXXX, Collection XXXX ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

XXXX. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Attorney ( XXXX ) and XXXX XXXX, XXXX of Operations ( XXXX ) also requesting accounting of all payments made to File Number XXXX. 

XXXX. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$15000.00}. in reference to XXXX XXXX : XXXX ( See Attached Exhibit C ) XXXX. At no time have I ever received a response to any of my requests for the accounting of all payments made to file number XXXX. 

XXXX. On XX/XX/XXXX, I sent a request for validation to XXXX XXXX, XXXX who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via XXXX XXXX Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. On XX/XX/XXXX, I sent a request for validation to XXXX XXXX, XXXX who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via XXXX XXXX Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. As of XX/XX/XXXX, I have not received any response from XXXX XXXX, XXXX or The XXXX XXXX to any of my attempts to communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to call there number, which takes me XXXX XXXX ( which is not disclosed ) and give them my personal information including social security number. So now my personal information is in the XXXX, XXXX? 

Then they say they cant verify me, in writing? All I wanted was to have an account listed as opened by XXXX, but even their notes say its been closed since XXXX- 14 years ago! 

Now my personal information is probably being sold to XXXX. 

What a business
Product: Debt collection

XXXX XXXX XXXX contacted me via phone and informed me of the debt emailed me a list of charges that I then informed them could not belong to me as I lived in another state at the time of these charges. And when the XXXX took over The XXXX XXXX  I had a rejected application and I moved to XXXX XXXX for a job offer. Upon investigation I found police reports stating the tenants were served an eviction which me and my partner had no knowledge of being in another state and I was recovering from giving birth so even if I had know about the supposed court date I would not have been able to make it. There were service requests being made in that apartment under my name which I only just found upon trying to dispute this. It seems as if when the new company had bought out the old that they had a new tenant put in an application and begin living in the apartment under my lease as I have never signed a lease with XXXX XXXX XXXX Which would also make sense for the use of utilities while I was in a completely different state. As well as when I forwarded my mail to my current address I had started receiving the new tenants mail further proving another person living in this apartment under my name. Then recently a duplicate collection from the Apartment was added from another collector-procollect, as well as I recently received a third collection this time via mail ( the only written one I have received ) which I disputed directly with them upon arrival of the letter. Yet the apartment just keeps selling this fraudulent collection. 

I have included charges from XXXX as well as court report which shows various prices and dates as well as my application rejection for these apartments, services requests made and XXXX XXXX court records showing me in XXXX XXXX and not XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I contr
ol what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.