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

XX/XX/22 I let the credit bureaus and secondary agencies know that there are inaccurate, unverifiable, and fraudulent items on my credit file that do not belong to me. I submitted and identity theft report. The items are still on my credit file. This is blatantly ignoring Section 605 b of the Fair Credit Reporting Act. It says that the items must be removed within 4 business days of you being notified. Also, no item is to be furnished on my credit file without my written consent. I never gave written consent for anything to be furnished on my credit file!! I have contacted XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  XXXX. They have told me and also sent in writing statements saying that they dont even report to the credit bureaus. This false information on my file was provided by XXXX, XXXX, XXXX and other illegal means. I do have a right to privacy! The continued defamation of my character will not be tolerated! You have caused great distress to me both mentally and financially with your deceitful practices.
Product: Credit reporting or other personal consumer reports

All three credit bureaus : XXXX, Experian, and XXXX have reported inquiries I dont recognize. Pages of pages of inquiries that are not mine, must be removed and my credit score must improve as well due to the incorrect information all over my reports. 
For instance, I did not go bankrupt, and I demand that to be removed as well.
Product: Debt collection

I contacted credit bureaus in regards to a debt appearing as a collection on my credit report I asked that the debt be validated and verified as I had no knowledge of the debt I never received a validation or verification yet item continues to report on my credit file ... .I they finally was able to find a email address on line for the collection company and reached out to them still no validation or verification I was a week away for closing on my home and really needed to settle this debt to close do I tried to settle the best with a payment and police report to prove my identity was stolen several years ago still no response from the collection company XXXX  XXXX XXXX ( PRM ) or the credit bureaus Please note I have not used the name XXXX XXXX since 2016 after receiving a legal name change the collection account shows the name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

Got a loan threw XXXX XXXX and the I got laid off at work I called tryed to work something out so they didn't want to help me so I stopped paying it now I get call all day with threats I'm goin to jail and I got warrants and loan was for XXXX now they trying to make me pay over thousand dollars my family gets all the calls to and threat my parents with about me going to Jail that they r goin to have investigator go to my work it stress me out so much I always feel sick and worried that someone going to show up to my work I got like 6 other loan company doin the same thing I can't remember there names or phone number I get loan calls all day it's like being harrassed it's embarrassing
Product: Credit card or prepaid card

On XX/XX/2020 I received in the mail a US Bank Reliacard debit card. I did not apply for any type of card with US Bank. I attempted to contact US Bank through the number listed on the paperwork included with the card. I was placed on hold for an extended period of time. Since I was unable to get through to US Bank, I called the Consumer Financial Protection Bureau. I was told this was likely a scam where someone has used my information to file a fraudulent unemployment claim. I was instructed to contact my employer to inform them of the possible unemployment claim in my name, to contact my state unemployment office, to report that my ID may have been stolen to IdentityTheft.gov and to inform the 3 credit bureaus. I completed all of these steps on XX/XX/2020. As of today, XX/XX/XXXX, my employer has not seen any unemployment claims filed on my behalf. I have not received any response from the other entities.
Product: Debt collection

The Best Service Company is reporting a collection for a jewelry account that I do not owe. 
My wife made a jewelry purchase, but returned it the next day. 
I wrote The Best Service Company to inform them of this fact but they have ignored my communication. 
The Best Service Company has placed this fraudulent collection on my credit report at all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$6300.00} XXXX CARD XXXX {$670.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX  XXXX {$3300.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My card was stolen on the morning of XX/XX/2017 at around XXXX. I discovered this around XXXX and contacted AMEX to cancel the card and dispute the almost {$450.00} in charges. They informed me that I had to wait until the charges had cleared before they could do anything about it, and would n't even tell me the locations the card had been used. I filed a police report and have been in contact with the police mutliple times. I have provided the persons name that stole the card, contacted the locations and they are getting the video ready of the person that stole the card using it. 

Every time I speak to someone it is someone in the XXXX who does n't care that it 's XXXX and that I 'm doing everything I can to get this XXXX caught, but they will only say 7 to 10 business days. This is a DEBIT CARD, NOT A CREDIT CARD!! My paycheck went on this!! This XXXX stole half my paycheck and i live paycheck to paycheck. I ca n't afford to wait for them to provisionally refund the amount until the XXXX!
Product: Credit reporting or other personal consumer reports

I did not give anyone authorization or consent to use my personal information.I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately
Product: Credit reporting or other personal consumer reports

There is a fraudulent account on my credit report, titled XXXX XXXX XXXX. It is not my account, I have no knowledge of this account. Some one has stolen my information and has opened up and has opened up a fraudulent account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX, MEDICAL, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I recently sold my car in a private sale. The seller issued a certified check to Capital One which was overnighted and received by Capital One the day after the sale. After several days, my payoff did not post and I contact Capital One to determine what issues there may have been. I was advised sometimes processing can take up to XXXX business days. It has now been XXXX days since Capital One signed for my check and no payoff has posted. Capital One has advised that they can not find the check in their facility. They want me to contact the buyer, have them place a stop payment on the check and reissue the check, however, they will not reimburse a XXXX party for this hassle. Capital One has basically said although they signed for a check that they lost, they want the buyer and me to incur the costs of replacing the check. The level of incompetence is astounding. At this point, I can pretty much tell the Capital One representative ( s ), and mind you there have been MANY, exactly what they will say when " researching '' the issue. They say things like, '' once the check clears, send us a front and back copy and we can process the payment ''. This would be a solution to the problem except for the fact that the bank ca n't issue copies of checks that have n't been cashed. At this point, I am forced to wait another XXXX business days, which is five actual days for them to do more " in-depth research '' regarding the location of the check. Call me crazy, but what was the team researching for the past week and a half?
Product: Debt collection

I firmly demand the immediate removal of this unauthorized account from my credit report, unless verifiable evidence is provided without delay to substantiate its legitimacy. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, it is the responsibility of credit reporting agencies and data furnishers to ensure that only accurate, authorized, and fully verified information is reported on a consumer 's credit file. 

The presence of unauthorized transactions or fraudulent accounts on my credit report is a direct violation of my financial security and credit integrity. These errors not only undermine my creditworthiness but also expose me to potential identity theft and financial harm. If these transactions can not be verified with clear, documented evidence, they must be permanently deleted from my record immediately to prevent further damage to my financial standing.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance Owed : {$1000.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on XXXX and XXXX - 60 days late reporting on XXXX XXXX XXXXXXXX XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) XXXX XXXX - 30 days late reporting on ( Equifax and XXXX ) XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) - 60 days late reporting on ( XXXX and Equifax )
Product: Credit reporting or other personal consumer reports

As I was about to do a home search, I noticed that my credit score had decreased by XXXX points. I had contacted all the consumer credit Bureaus ( XXXX, Equifax, XXXX ) about the misleading information and inaccurate data.The creditor had reported my loan as delinquent when in fact I got an evidenciary letter prior to the negative notation indicating that my loan was under forbearance contrary to the negative reporting. The letter was submitted to the agencies as evidentiary exhibits. 

I had decided to pay off the loan to avoid further confusion and economic damage with the consumer credit agencies, however they refuse to correct and remove the delinquency which was entered based on the misleading information. 
The agencies and the creditors should take responsibility of their data to assure maximum accuracy. 

Despite of my reasonable payment history, my credit score keeps going down and my depleted score had affected me economically and prevented me from pursuing my home search. The misleading information had created harm and frustration constantly in my business dealings. 

It appears to me that there's a discrepancy between payments history and credit score, I have found that the agencies are reporting credit score callously and not reflecting the hard work that consumers place in maintaining an excellent credit score. These agencies are running as " XXXX XXXX XXXXXXXX ' '' with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AN1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to EQUIFAX about the XXXX  XXXX XXXX account on my credit report but nothing has been done so far and this unacceptable. The account is in violation of the Federal Credit Reporting Act and should be deleted from my credit report immediately. Interests and fees have been added to this account even though it is charged off which is a violation of the FCRA! I have attached documents on here to prove my case. Delete this account immediately!! It is clearly visible, I even circled the most important information on these documents. Unless you are blind or getting paid by XXXX  XXXX XXXX you should clearly see what I am talking about. I am not going to give you ( Equifax ) 30 or 60 more days since I have already waited too long. I have mailed you multiple letters about this issue and I have the usps return receipt for every letter that I have sent to you. I am giving you ( 3 ) three days to delete this account from my credit report. Just look at the attachments. If you ( Equifax ) do not delete XXXX XXXX XXXX from my credit report I will sue you in federal court if this how I can get your attention and I am not even joking. I have also so attached on here the form to sue you so will understand that I am not joking. The form is ready to be filled in and sent out. Delete this account from my credit report!!!
Product: Credit reporting or other personal consumer reports

XXXX, as servicer for the Department of Education negligently and recklessly continue to violate my rights per the XXXX Privacy Act and 15 USC 1681b, which states in part that " written consent '' must be provided by the consumer for information to be reported on the credit report. Additionally, my credit report is " frozen '' and has been in such status since XXXX, across the following credit reporting agencies specifically on XXXX, XXXX, Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Thus, no additional information should be reported on my credit report, nor student loan information should be reporting on my credit reports without my expressed written instructions or consent. I have the right to be forgotten under California Consumer law and under Federal precedent of the right to erasure. This is the fourth complaint that I have lodged regarding this issue and similar issues.
Product: Mortgage

When I first bought my home in XXXX of 2018 my closing document stated that for years 1-10 my monthly payment should be ~ {$3800.00} and for years 10-30 monthly payment will be ~ {$3200.00}. 

However, Loancare insisted I pay $ XXXX monthly from the start. They effectively created a shortage in my escrow account due to this error on their own end ( see attachments ). This past summer they conducted an escrow analysis, realized the mistake, and raised my monthly payment to {$3800.00} but realized shortly after that there was a much bigger deficit in the escrow and raised my monthly amount to {$4400.00} which caused me to miss my XXXX and XXXX payment. Then they reported me to the credit bureau for missed payment and transferred my loan to XXXX in XXXX. 

I have been on the phone with Loancare multiple times in the last three months, begging, pleading, reasoning to have this matter resolved but they basically told me it is no longer their problem as my loan does not belong to them anymore. 

I am attaching my closing document here which will show the amount agreed upon and statements from Loancare showing that they were negligent in charging me the amount in the closing document. From my understanding the closing document is a binding contract and the loan servicer should have been charging me the proper amount ( ~ {$3800.00} ) from the beginning to avoid any deficits and surges in monthly payments. 

I am aware that tax implications change from year to year but this home is not a new build and there should not be a fluctuation of this much in monthly payment. I am also aware that there is a PMI on my loan. I am not sure whether Loancare neglected to charge PMI or the full tax amount but the deficit in my escrow was caused by THEM as they failed to follow the amount noted on the closing documents. 

I know XXXX XXXX is not at fault whatsoever and the neglect is reflective of only Loancare but I am requesting that this matter be investigated further - I do not want to lose my home or be forced to modify my loan or go on a predatory re-payment plan due to the gross negligence by Loancare. 

Please, please, look into this matter in detail and feel free to call or email me as needed, as many times in needed. My phone number is XXXX. 

I am attaching documents here for review and proof of the situation. I would like to bring attention to the file " Signed Closing Disclosure '' - in the middle of the first page you will see where the break down is for the first 10 years and the last 20 years and the amount that should have been charged by Loancare.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing issues I have encountered with the credit bureaus, specifically Experian and XXXX. Despite submitting my disputes with complete and accurate ID verification as instructed, I have repeatedly received letters from both bureaus stating that my dispute letters do not appear to be sent by me or authorized by me, and therefore they refuse to investigate my claims. 

This refusal to open my disputes is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports, and credit reporting agencies are required to investigate these disputes. The actions of Experian and XXXX in refusing to open my disputes despite proper verification obstruct my ability to correct inaccuracies on my credit report.
Product: Credit card or prepaid card

I have had 5 Chase Sapphire Reserve cards in the course of one month. Originally there was fraudulent activity on initial card. I have received four additional cards since that, all that get shut down because there is a specific fraudulent XXXX charge that has attempted to charge against each card. Now, and only now, on the 5th card is Chase saying that it might not just be a fraud issue. It might be an issue with a Visa program they have that allows the charge to follow each new card I get. However, they are unsure and they are unsure if the new card sent to me will also be hit with the same charge. If it is, it too will be subsequently shut down for fraud. 

The charge was fraudulent as I have not used XXXX in years. Moreover, why did it take until the 5th credit card to make this realization, if it is the issue? All I want is a card that is not shut down after two days due to the  fradulent XXXX charge. I pay {$450.00} a year for this card and the service is terrible.