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

XXXX XXXX, Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX has reported a collection amount of {$6500.00} for the past few years. I have disputed this account on several occasions asking for proof of ownership for this account or a purchase agreement with the origination date, the said amount as well as the services that were provided. I have repeatedly let it be known that this is not an account that I opened yet disputes continue to be deemed resolved with accurate information without the asked proof of any agreement/originating documents. 

XXXX XXXX XXXX, original creditor : XXXX XXXX XXXX  has reported a collection amount of {$730.00} since 2021. I have disputed this account on several occasions asking for proof of ownership for this account or a purchase agreement with the origination date, the said amount as well as the services that were provided. I have disputed this account with all three credit bureaus in the past with one dispute coming back as resolved and the account was said to be removed as they were not able to confirm account ownership yet the account still is showing on my credit report. 

XXXX XXXX XXXX, original creditor : XXXX XXXX has reported {$3800.00} as a collection on my account for a little over a year. I have spoken with this company on several occasions as well as disputed accuracy for the account as I have not had XXXX XXXX within the last 10 years. Nothing has come of the disputes and calls asking for purchase agreements and account origination proof.
Product: Credit reporting or other personal consumer reports

As experian notified me of XXXX STILL WORKING ON THE ISSUE complaints and they have closed another complaint that is exactly like the XXXX they are still working on or the XXXX other one 's they are still working on or the XXXX complaints they have closed without having addressed the problem which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a dealership with a existing bank loan, and they told me there was no need to run my credit. They still ran my credit multiple times and never told me about until i get a letter in the mail from a bank ive never heard of. i should only have one inquiry on my credit reports and thats the loan i i took out. which like i said before, i had ready before i even went to the dealership
Product: Credit card or prepaid card

I am a victim of identity theft and i reported the theft immediately after learning of the theft. 
Through CFPB i have requested to the Creditor to provide me a copy of the application that was used to open the fraudulent account ( FCRA 609 ( e ).

Thus far the Creditor has denied my Rights under FCRA 609 ( e ).

I do know for sure that some of the information on the application that was used to open the fraudulent account is inaccurate to my identity. ( 1 ) The email that was provided on the application is NOT my email and never has been.

( 2 ) The phone number provided on the application is NOT my phone number and never has been. ( 3 ) The employer information submitted on the application is NOT correct because i have been XXXX since 2007 and on XXXX, no employment.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was stunned to see inaccurate accounts that shouldnt be there. I always check my report, and nothing was wrong until nowthese discrepancies just appeared out of the blue. I tried refreshing the page, hoping it was a mistake, but nothing changed. Im asking for a careful review of the documents Ive provided so I can avoid this headache in the future.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I sent XXXX, XXXX, and EQUIFAX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX  AND XXXX XXXX  and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.
Product: Credit card or prepaid card

I used Home Depot Store 's credit card to buy an item at the store, and I didn't receive the statement ; however, the next time that I was in the store, I paid for what I had bought. I then received the statement. I called up their credit service department and advised them that I had already paid the bill. I was told that my payment was a couple of days late. The new statement was for the late fees {$38.00}. I told them that the fees were more than the item I bought ( {$34.00} ), and the late fees needed to be removed. I was told that it couldn't be done, so I told them to close the account. 
As of today date ( XX/XX/2020 ), they continue to add late fees plus interests on top of late fees. 
They also reported to the credits bureaus. My credit score has been negative impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed by certified mail to XXXX, TransUnion, and XXXX ; ( 1 ) appropriate proof of the identity of me as the consumer ; ( 2 ) a copy of my identity theft report ; ( 3 ) the identification of such information by me the consumer, and ( 4 ) a statement by me as the consumer that the information requested to block is not being made in error nor is the information requested by me the consumer is on the basis of a material misrepresentation of fact by me as the consumer relevant to the request to block. The information to block is not information related to any transactions by me as the consumer. 
The certified mail was received on XX/XX/2023 by the three consumer reporting agency.I have not received any notice that the alleged information was blocked within 4 days of the receipt and I have not been able to view my credit reports. 
































92 )
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXXXXXX XXXX - {$5000.00} I will never stop filing complaints against you because I know my rights! 

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

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint asserting my victim status regarding fraudulent activities, and I am disputing specific entries within my file stemming from this crime. The disputed items have no connection to any transactions involving goods, services, or funds made or authorized by me. I request the removal of these entries from my credit report, as they are inaccurately attributed to fraudulent activity : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items are unfamiliar to me, and their deletion by other bureaus raises questions about their accuracy. The reported history of these items remains unclear to me. As per the Fair Credit Reporting Act ( FCRA ) 605B ( c ) ( 1 ) ( C ), there is authority to decline or rescind such entries.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there were fraudulent accounts opened and inquiries made to my credit. I have contacted the credit bureaus and sent them supporting documents to show proof and they are violating the credit law by not resolving this matter. Please have the credit bureau remove these items listed below immediately : Accounts : XXXX ) XXXX  XXXX Account number : XXXX Credit limit : {$500.00} Balance : XXXX $ Date opened : XX/XX/XXXX Inquiries : XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We were approved for a trial plan last year with Ditech. our 1st trial plan payment of {$640.00} was due XX/XX/XXXX. when we called on XX/XX/XXXXto make the 1st payment we were told by Ditech they would not accept the 1st payment because our loan had been sold to XXXX XXXX We then called XXXX XXXX to make the payment and we were told by them they could not accept our 1st payment because the loan was still being transferred. we received a letter from XXXX stating the transfer was completed on XX/XX/XXXX, I called again to make my 1st trial payment and again they would not accept my payment because it was not the full amount. I explained to XXXX we were approved for a trial plan. From my understand when a loan is transferred all terms of the loan are transferred as well. XXXX should have honored the trial plan I was approved for. XXXX ID # XXXX is who I spoke with from XXXX XXXX would not accept my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX  ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit card or prepaid card

45 min on hold to get help with Barclays and hung up on multiple times, was just trying to set up XXXX XXXX. They do not have anywhere to send complaints too, no email or anything so Im going to send it through here. 
Date is XX/XX/2022 at XXXX currently. 
Company is JetBlue Plus card via Barclays.
Product: Checking or savings account

On XX/XX/2023 at about XXXX XXXX. I purchased gas at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I paid at the pump with my debit card and proceeded to drive home. I arrived home around XXXXXXXX XXXX. at my home in XXXX  XXXX, CA. When I arrived home I did my normal chores, etc. and around XXXX XXXX. I started to get ready for bed. At about XXXX XXXX I logged onto my bank account at Bank of West and there was over {$1800.00} in charges to my account. At no time did I leave my home. My debit card was in my wallet/purse the whole night. The last purchase I made for that day was at the above XXXX XXXX XXXX for {$52.00} on XX/XX/2023 at around XXXX XXXX  I immediately called Bank of the West and they put a stop to my card. I believe my debit card was skimmed at this particular XXXX XXXX XXXX. All the purchases made that night were in XXXX XXXX, XXXX XXXX, and XXXX XXXX which these cities are at least 50 miles from my home. At no time did I leave my home when I arrived home from work that day. I never allowed no one to use my debit card. Bank of the West has now blamed me for the purchases and refuses to help me out. I am supposed to feel protected and my money is supposed to be protected by Bank of the West. At no time did I receive any notifications from Bank of the West that these transactions were going on. Bank of West 's fraud department is stating that I did all these transactions myself. I am being treated like I am the criminal! I had no knowledge this occurred until XXXXXXXX XXXX that night when I checked my bank account. I have proof of my whereabouts at all times. I have written to all customer services where all purchases were made. One of the stores that person or person who were unauthorized to use my debit card information wrote me back and sent me a copy of the receipt from XXXX XXXX  XXXX. The person or person ( XXXX ) who skimmed my card purchased items, the items all related to men 's wear, etc. First of all, I do not have a husband or boyfriend. The only man who lives with me is my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There were 5 transactions to XXXX in XXXX XXXX XXXX XXXX XXXX row with amounts of $ XXXX each. There were several other transactions. 
Why did I get notified that this was going on from Bank of the West? These person or person ( s ) went on a shopping spree on my dime! I have been unfairly treated by Bank of the West. It has been a horrible experience and I have been tryin to fight this claim. I am ready to go to small claims court if I have to.
Product: Mortgage

My loan was transferred to Shellpoint and since then I have had difficulty using their online system. I tried to set up the automatic payment and initially system didn't allow. Then I thought the online set up went through. But I got a call from a representative from Shellpoint on XX/XX/year> that I haven't made the XXXX payment. I told her that I set up the automatic payment but she clarified it is not there. Then I made the payment over the phone and the representative confirmed that there won't be late fee. Since then I have called at least 2 more times to remove the late fee but last time I was told that it will be escalated to review. I told them that I was already promised that it would be waived. I have never received any additional communication back from them and this company is clearly taking advantage of the consumer .I would like to request to waive the late fee assessed.
Product: Credit card or prepaid card

The credit card company Barclays increased my interest rate from XX/XX/2022 from 14.24 % to XX/XX/2022 to 16.99 %. 

XXXX XXXX XXXX XXXXXXXX credit card increases from XX/XX/2022 14.99 % to XX/XX/2022 to 17.24 % XXXX XXXX credit card increased from XX/XX/2022 16.74 % to XX/XX/2022 XXXX %. 

XXXX XXXX XXXX XXXX credit card increased from XX/XX/2022 17.49 % to XX/XX/2022 to 18.00 % What law allows credit card companies the right to increase existing customers interest rate and without notice.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get this inaccurate alleged account removed from my consumer report. Equifax and XXXX XXXX is constantly violating my federally protected rights. 

They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS. 

I have previously sent XXXX XXXX a letter demanding them to abide by Federal Laws that are in place for my consumer report. I have not received any responses or resolutions. I did notice that I now have a " MEDICAL '' account reporting on my federally protected consumer report with no account information on the account NOR the reporting creditor. They are in violation and this needs to be fixed immediately!
Product: Debt collection

I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because two debts that are not mine is reporting to this unknown address.
Product: Checking or savings account

Charles Schwab Bank recently charged off a negative balance on one brokerage account for about {$660.00} on XX/XX/2022 from an error on THEIR END. THEY NEVER NOTIFIED ME OF THIS OR SENT AN EMAIL OR ANYTHING. NOW I TRANSFER IN {$800.00} TO MY ACCOUNT WITH BALANCES OF {$0.00}, NO NEGATIVES AND THEY TAKE MY WHOLE {$800.00} THAT I AM USING FOR RENT. HALF OF THEIR STAFF SAYS TO TRY USING MY CARD AGAIN EVEN THOUGH IT CLEARLY SAYS RESTRICTED. THIS IS A NIGHTMARE THEY WONT SOLVE IT BECAUSE SUPPOSEDLY THE MARGINS TEAM DIDNT LEAVE A NOTE ON THE ACCOUNT. THIS IS XX/XX/XXXX AND IM BEING TOLD MY ACCOUNT WAS RESTRICTED DAYS AGO WITH NO EMAIL OR TEXT OR CALL OR LETTER, JUST STEAL MY MONEY THE NEXT TIME I TRANSFER MONEY IN?!?! WHY WOULD YOU LET ME TRANSFER MONEY IN THEN?!
Product: Mortgage

I am a XXXX XXXX XXXX XXXX  who experienced several setbacks, family deaths, and financial hardships due to the XXXX XXXX Pandemic. I applied for assistance with the XXXX Assistance XXXX and was approved for future payments. These payments have been sent to my loan XXXX Shellpoint Mortgage Servicing but they are not promptly applying these payments to my account. 

On XX/XX/XXXX they applied the payment to my account on that day. In XXXX they received the payment on XX/XX/2022 but did not apply it until XX/XX/XXXX, XXXX. 

I was advised by the XXXX Assistance XXXX the payment was disbursed on XX/XX/XXXX and to date they have not applied it. I am not sure why they are holding on to these payments and making my account have late charges ( they did waive the ones for XXXX ) because they already have the funds. 

They told me they have to wait until the payment is late to post but this is not true because they posted the XXXX payment on XX/XX/XXXX. 

This is causing great stress when I am already dealing with physical and mental health issues. When I called in XXXX the phone representatives kept telling me they did not receive the payment but in an email they advised me they did receive on XX/XX/2022 but did not post it until XX/XX/2022. 

I was thankfully approved for 13 months future payments which will be frustratingly aggravating dealing with the servicer not promptly applying the payments to my account.
Product: Debt collection

Hello, I was presented with a formal document by the name of, " Complaint On Breach Of Contract '' by a sheriff on XX/XX/year> for an alleged debt of {$1200.00} that I have absolutely no knowledge of. I sent the company a letter informing them that they are committing fraud ( letter attached ). While I am happy to pay for any service that I truly owe, this alleged debt is not mine and has damaged my credit profile.
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 TransUnion, XXXX, XXXX 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sent my letter off dated XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account ( s ) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies as well as, their deliberate intentions of continuing to tarnish my credit report to XXXX