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

I cant get approved for any loans, apartments, or anything else because Experian is reporting inaccurate and incomplete information.For XXXX XXXX XXXX XXXX account they are reporting it was opened in XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX XXXXThey can not determine anything when they dont even have certain data available.They are saying I received a loan but have no data for how long the loan term was allegedly for or how much the payment for the alleged loan was.The balance is also incorrect since XXXX XXXX XXXX never loaned me anything.For another Brightstar credit union account they are reporting that i was 30 days late for 3 months in a row XX/XX/XXXX to XX/XX/XXXX. I cant be 30 days late in XXXX if I was already allegedly 30 days late by XXXX they are reporting I was 60 days late in XX/XX/XXXX. I cant be 60 days late in XX/XX/XXXX if I was already allegedly 30 days late 90 days before in XXXX XXXX they have no payment history available since XX/XX/XXXX but have the account status as past due as of XX/XX/XXXX. They cant determine anything when they dont even have all the data available.For a XXXX XXXX XXXX account they are reporting an inaccurate balance. they cant say what the balance is when they have no payment data available since XXXX. The account status and balance hasnt been updated in 2 years since XXXX. This account is incomplete and has no updated history. For a XXXX credit account they are reporting inaccurate and incomplete balances. It says amount written off is {$25000.00}, amount past due is {$27000.00}, and the original balance is XXXX. Those are XXXX different amounts.They are saying I received an auto loan but have no data available for the monthly payments, they cant even tell me how much my month payment was for this alleged loan .They are also saying I received an auto loan which is wrong .They are reporting an XXXX XXXXXXXX collections account that is not mines. I have no contract with my name and XXXX XXXX. I have never received anything from XXXX XXXX and I dont owe them anything. I have no documentation bearing my signature between me and XXXX XXXX. I never gave XXXX XXXX my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. They are reporting a XXXX XXXX XXXX XXXX account that is not mines. I have no contract with my name and credence resource management. I have never received anything from XXXX XXXX XXXX and I dont owe them anything. I have no documentation bearing my signature between me and XXXX XXXX XXXX. I never gave XXXX XXXX XXXX my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.
Product: Debt collection

ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$1800.00} XXXX XXXX Balance {$35000.00} XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXXXXXX XXXX Balance : {$21000.00}
Product: Checking or savings account

My name is XXXX XXXX I have a issueI need help getting my debit card unblocked and checking account and saving account unblocked and online banking account access unblocked username is XXXX and I need help getting a update on my XXXX enrollment ticket support issues so if their a update on it yet or not because I have to use my sister email and phone number to use XXXX to enroll until they fix my phone number and email so I can use mines email and phone number to enroll and I need yall to get XXXX blocked resolved so I can send payments again to receivers when I have called fraudulent department they say I will have to go to a branch with. Picture id to verify myself and y'all they will called them to verify me and to fix my issue and when I did that last week at my local bank branch I have verify all the questions and give them all the documents they need to send to the fraud department by email every time I call my local bank for updates they dont have a update for me or they didnt provide them with a new update yet and when they email them for a update they dont respond to their question and I need to withdraw money but I cant I need this issue to be resolved as soon possible I need all my issues to be fixed and resolved and fully restored and fully unblocked and fully unrestricted and fully restored access to every thing again etc it been like more then 1 day without a update or restore or fixed issues etc I need the checking and saving account to be fixed and restore etc.
Product: Credit reporting or other personal consumer reports

I looked at my credit report XXXX, XXXX 2024, I noticed some things that are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter to Equifax asking them to reinvestigate the completeness and accuracy of my accounts below, XXXX  XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) Capital XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) Capital XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XXXX  XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate )
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Balance {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and ihad fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my posibility to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

Conns is using illegal tactics such as calling over 10 times in a day and hangs up when I say " are u calling to collect a debt or make it right ''. I've tried telling them they never delivered a new item per what I agreed. I have paid them for a few months in hope they fulfill their end of the contract.
Product: Credit card or prepaid card

As part of the Equifax Hack earlier this year, my information was stolen from their database in attempts to open a new Credit line.
Product: Credit card or prepaid card

I am Federally Protected Consumer and I have strong reason to believe my consumer rights have been violated. SYNCB/JCPENNEY closed my account in XX/XX/2020 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe that they have violated me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/JCPENNEY never informed me of my rights. SYNCB/JCPENNEY has the obligation to correct this action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX. I tried to explain multiple times to SYNCB/JC PENNEY what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' and it is my right to operate in commerce. Does SYNCB/JCPENNEY know what happens when penalties for not complying with the ECOA? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. By SYNCB/JCPENNEY closing my account without any lawful or legal notice it appears they denied me extension credit in this transaction they also damaged my credit worthiness, because due to XXXX SCORING closed accounts drop your credit score and you lose time of age on the account that is what happened on my consumer reports I lost very important data points. I never was late, the account was paid in full. I'm just trying to make it clear that I have strong reason to believe under ECOA it appears Violations occurred and something needs to be done about it SYCB/JCPENNEY needs to make this right with me the consumer. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the Violating of Consumer Rights that are going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After my wife and I were living at the XXXX XXXX for over a year, we informed the XXXX XXXX Staff by phone and a hand-written letter we are buying a house and gave them the proper notice required in the lease. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ohio XXXX Sidenote : We have always paid our bills on-time and never had any record of debt owed for living expenses, utilities or other items, etc. 

During the week we moved out, we paid rent through the end of that month, and also moved out XXXX weeks earlier in the month than expected into our new home giving XXXX  XXXX XXXX weeks extra grace period while they had a clean / vacant apartment ready to be filled. XXXX XXXX then leased the apartment unit we were occupying to a new tenant within that XXXX-week period as they had adequate people on the waiting list to fill it. XXXX XXXX proceeded to file collections against us and attempted to collect double-rent on the unit for the next month- which is technically illegal according to Ohio law . 

We returned the keys and had the apartment professionally cleaned as well. We took pictures to show there were no damages, etc. XXXX XXXX staff contacted us shortly after stating we did not give them proper notice and we still owe them for XXXX more month of rent. XXXX XXXX kept our security deposit as well, which we should have received back in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, an XXXX XXXX company, is reporting inaccurate information to Equifax. I have disputed this account 5 times in the past 2 months with Equifax ( 4 denied, 1 ongoing ). When I reached out to Equifax to get details as to how their conclusion was reached in each dispute, they advised that it was electronically, they depend on the lender to do the research not themselves and to refer to the dispute results. The dispute results only provide a VA address and a disconnected NE phone number. There is no information as to how the account was verified as mine. I have attempted to reach the lender directly but am referred to a collection agency. This collection agency, XXXX XXXX XXXX, is not listed on my Equifax report as servicing this debt yet has created a new account number and increased the balance owed. Also during the dispute process, Equifax has only updated the creditor from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX  but provided no additional details about the origination of the loan, verify account ownership, nor removed the status as collection. Without account verification, this account has been flagged as fraud. Below are the account details : Lender : XXXX XXXX XXXX Account : XXXX Amount : {$21000.00} with {$11000.00} past due Date Opened : XX/XX/XXXX but no activity reported until XX/XX/XXXX Equifax Status : Collection Account as of XX/XX/XXXX XXXX
Product: Mortgage

I was approved for a mortgage with Rocket Mortgage /Quicken in XX/XX/2020.. The property I was purchasing was under construction and my closing date was set for XX/XX/XXXX. my complaint is Rocket practiced bait and switch business tactics On my initial loan estimate, the numbers shown were {$15000.00} to close A few weeks later on XX/XX/XXXX I was given an updated cash to close amount which was XXXX. This was to be the final number according to the loan officer. 

On XX/XX/2020 just a few days before close, I was sent a final disclosure with a new cash to close amount of XXXX. 

On XX/XX/XXXX, I was told the closing needed to be pushed to Monday XX/XX/XXXX because there was a new change in cash to close, I was then sent another closing disclosure with a cash to close amount of {$24000.00}. 

When asking the loan officer what was going on and why was my amount changing so much, I was told Rocket made an error in their documentation. After multiple calls, it seems Rocket failed to confirm numbers with the builder, property taxes in addition to who was paying the title fees. 

I was only days from closing and told i needed an addition {$7000.00} to close. 

Rocket failed to try to resolve the issue for me, I asked if they made an error, they should take care of the cost in which they failed to disclose beforehand weeks before with the approval letters. 

I ended up having to cancel my closing and find a new lender due to this issue. I had to pay for another appraisal with the new lender due to the mistake rocket made. Through the entire process I received several different numbers varying in thousands of dollars, with the most difference just 3 days before my closing. 

The loan officer seemed to hide the cost until the end so he could be sure the loan was going to close, assuming i was desperate for the loan.
Product: Debt collection

Sunrise Credit Service ( collections Agency ) is asking me to pay {$150.00} for XXXX XXXX XXXX for an account ( Mobile Phone ) fraudulently opened by an unknown individual in my name. 
Date XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$82.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
XXXX, XXXX, and Equifax did not remove my late payments on XXXX and XXXX of XXXX  with my XXXX  XXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.
Product: Debt collection

" I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( e ) and 609, which entitle me to dispute inaccurate information resulting from identity theft. Additionally, I am protected under the Identity Theft and Assumption Deterrence Act, which recognizes my rights as a victim of identity theft. '' Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities.