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

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

Enclosed are copies of my FTC Identity Theft Report and the police report filed in connection with this identity theft. The specific fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

My original loan was {$32000.00}. Navient bought my loan from XXXX and doubled the amount and then started reporting me late for payments and forcing my account into forbearance. This killed my credit because as he explained any payments I made would only pay off the interest. Not the principal balance. 

How can a company buy your loan and more than double the principle?
Product: Vehicle loan or lease

Im writing this letter concerning the SANTANDER XXXX account listed on my credit report which is owned by my ex-husband. I have the court order from the divorce decree that Im not held liable or responsible for the vehicle that I co-signed with my ex-husband. This vehicle continues to report even after the date the court order was given and the divorce decree was granted. It is tiring and expensive going back and forth sending dispute letters to the bureaus and they do not mind reporting the same inaccurate information over and over. Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurately, I request deletion immediately. This reporting is totally ruining my credit rating which is the effect of losing the current home that Im buying for my children. I already submitted all the necessary documents and disputes to the bureau but no action has been taken and they keep reporting this account which should be deleted in the first place. I demand the immediate deletion of this account.
Product: Vehicle loan or lease

I am writing to dispute the validity of the debt associated with the account referenced above. Pursuant to 15 USC 1692g ( a ) ( 2 ), I request that you provide me with the name of the creditor of this account. Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I request detailed information regarding the alleged debt, including the amount owed and how it was calculated. Account Details : High Balance : { {$23000.00} } Last Verified : XX/XX/2024 Date of Last Activity : XX/XX/2024 Date Reported : XX/XX/2024 Date Opened : XX/XX/2024 Balance Owed : { {$10000.00} } Closed Date : XX/XX/2024 Account Rating : Derogatory Account Description : Charged off as Bad debt Individual Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Collection/Chargeoff I am also requesting validation of the amount of the alleged debt as per 15 USC 1692g ( a ) ( 1 ). Please provide a breakdown of how the amount was calculated, including any fees, interest, or charges applied. Furthermore, I request that all reporting agencies associated with this account provide verification of the debt. I understand my rights under the Fair Debt Collection Practices Act ( FDCPA ) and expect full compliance with the law. Please note that this is not a refusal to pay, but a request for verification under the FDCPA. Until this matter is resolved and the debt is verified, I request that all collection activities, including reporting to credit bureaus, be suspended. I appreciate your prompt attention to this matter and expect a response within 30 days as required by law. Failure to provide the requested information within this time frame will result in further action to protect my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/XXXX, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : Unauthorized & Unrecognized Credit Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Product: Debt collection

The company listed below has placed a negative rating on my credit report regarding this account stating that this account was sent to collections in XX/XX/2018. I have not had XXXX XXXX service in over 7-8 years. I am not responsible for the amount of {$1000.00}. I want this credit line deleted from the records all three ( 3 ) of the major credit reporting agencies ( XXXX, XXXX, and XXXX  ) I C SYSTEMS COLLECTIONS # : XXXX**** XXXX XXXX XXXX XXXX  XXXX , MN XXXX ( XXXX ) XXXX
Product: Debt collection

A collection agency is reporting the incorrect " placed for collection '' date on my credit report for an account that is also past the 7 year reporting time frame. Also known as re-aging. The placed for collection date -XX/XX/XXXX, is actually the date the collection agency purchased the account from the original creditor. The account last payment was XX/XX/XXXX per the installment contract from the original creditor. According to FCRA Section 605, this account would have gone into collection/charge off on XX/XX/XXXX -180 days with no payment ; remained on my credit report for 7 years then removed from my credit report by XX/XX/XXXX. I have submitted certified letters to the collection agency, credit bureau and original creditor but the account is still on my credit report and with the incorrect date. 

The FCRA says that collection accounts must be deleted from your credit report 7 years from the date of first delinquency on the original account. The date of first delinquency is 180 days from the date of your very last payment to the original creditor.
Product: Checking or savings account

I am an international  XXXX  and I opened this Chase account at XXXX when I was a freshman. At XX/XX/XXXX, they closed both my checking and saving account for no reason. I called them but they just told me to wait. My Checking account number is XXXX, and saving account number is XXXX.
Product: Debt collection

This is my second complaint with ACIMA. Back in XXXX I spoke with agent who advised me that if I paid {$800.00} I can keep services with them. They advised that if I settled the account then they would remove the tradeline from my report. At that time, my settlement offer was {$400.00}. I called and settled the account for less then {$400.00} and was told that the tradeline would not be deleted in XX/XX/2020. I received a letter stating that they listened to a call from XX/XX/2020 and was advised that the tradeline would not be deleted. They have failed to address the phone call from XX/XX/2020 where I was told that if I settled the account the tradeline would be deleted. The account is closed and there is no balance, however this account is hurting my credit score. They have reported a late payment for XX/XX/2020 so at this time they are reporting inaccurate information on my credit report and are violating my consumer rights.
Product: Checking or savings account

I opened a Key Express Checking account with Key Bank on XX/XX/18 with the promotion code XXXX. The offer said that I needed to make a {$500.00} Direct Deposit within 60 days of opening and I would receive a {$300.00} bonus. I met that requirement and Key Bank agrees. But Key Bank is now saying that I needed to make 5 debit card payments from the account within the first 60 days, which I didn't do, but this was not listed on the terms of the offer. 

I'm attaching my confirmation email that says I opened the account with the code XXXX, as well as the offer that I had printed off from Key Bank that shows the only requirement was to have a {$500.00} direct deposit and says nothing about 5 debit card payments.
Product: Mortgage

My mortgage was owned by XXXX XXXX XXXX. It was then, as customary, my mortgage is now being handled by Seterus, which in the past 2 years have been, by far the worse .... even worse than XXXX XXXX XXXX. XXXX XXXX, 2015 I sent Seterus a check from XXXX XXXX to have return to XXXX being that I decided to go with another Insurance Company. A year later, Seterus claims I owe that money and they had never received the funds.Of course they increased my ESCROW so I had to do their job, contact XXXX, have them re-issue the check, send it to Seterus via Register Return Receipt, once I confirmed the check was received by Seterus, I called to follow up, and they still claimed the check had not been receive, I lost it and told them off.They increased my mortgage payment and said once they received the check, they will do another escrow analysis and it would take up to 30 business days to make any adjustments in my account. XXXX & behold they made the adjustments and 30 days exactly my mortgage payment was re-adjusted, ( which leads me to believe they had the check all along and did not want to admit it ). Yesterday I come to find that the taxes on my home have not been paid. Seterus was returned a payment of {$1600.00} from XXXX XXXX XXXX Collector and has been sitting on it for 1 month.Yesterday I received an email form them indicating my taxes are past due and that further penalties and fees are being accrued for lack of payment. I called Seterus once again spoke to a representative by the name of XXXX, and was told she would put an " urgent action required '' note in my file and I would have to call back and follow up. Really? do I have to follow up and do their job? why in XXXX are they managing something they ca n't obviously not able to handle? I am the victim here, not only has my home insurance been jeopardize but now my taxes? Seriously? Does n't Seterus and their " reps '' know I can have my home be taken away for not paying my Insurance or Taxes? What kind of a joint are they running there? If these XXXX ups are the lack of service Seterus creates, then why nothing is being done, why does n't Seterus pay out of their pockets these kind of financial XXXX ups caused by their lack of service? I am sure they have liability insurance. I refuse to pay for their XXXX ups anymore, nor do their job for them. 
I WANT SETERUS TO PAY FOR ALL THE AGGRAVATION, HARDSHIP, FRUSTRATION AND PUNITIVE DAMAGES THEY HAVE CAUSED ME.
Product: Checking or savings account

On XXXX XXXX XXXX I filed a dispute for two unrecognized transactions for a total amount of {$380.00} that drafted directly from my ACH. On XX/XX/XXXX, I was notified that I received a temporary credit. On XX/XX/XXXX, I was notified that my dispute was resolved in my favor and the temporary credit would be made permanent. Instead, the transaction was reversed and I no longer had even the temporary credit. I have contacted chime multiple times in over a 30 day period, and while they continue to escalate my tickets every time, none of the tickets have been touched despite me being told that the issue would be resolved within 48 hours of the ticket being submitted. I am now over 30 days past the resolution and still out almost {$400.00} because XXXX can not escalate investigations internally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Renovate America ( XXXX XXXX ) placed a lien on my home for home improvements. I did not know about this XXXX  when I applied for an equity loan and was denied because of this XXXX. Amount stated on XXXX is XXXX. 
Payments have been made through my property taxes from XXXX to date. Amount coming out of property taxes is XXXX. 
I have tried since XXXX to speak to someone regarding this loan to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus XXXX XXXX XXXX   about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.
Product: Credit reporting, credit repair services, 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 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information Any other adverse items 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: Credit reporting, credit repair services, or other personal consumer reports

Today, I told myself let me contact the credit bureaus to see if XXXX XXXX started my disputes for my file. She has been giving me the run around since I paid her XX/XX/XXXX. Nothing posted on her portal, every time you contact her its like your bothering her with questions and asking about your file. Its been a constant then on top of that someone from the group referred before I purchased trade lines with there business. After speaking with the credit bureaus today again no disputes have been sent out. Ive reached out to XXXX calm and asked her whats going on she stated to me that she sent the disputes in. She told me she would not refund me my money. Im a business owner myself customer service is key! If your taking to many clients maybe you should turn some down so you can accurate for the ones that are paying you. Here are screen shots below regarding this! please beware if your trying to find a good credit repair, do you research before paying someone thats lazy and is going to beat around the bush.
Product: Credit card or prepaid card

Wells Fargo Financial Bank opened up an account in my name without my authorization or permission, and sent me a XXXX XXXX XXXX credit card ending in : XXXX, I never applied for the XXXX credit card account. The XXXX credit card account has a current balance of {$4300.00} which is not my charges or credit card account. I contacted my 2 U.S. Senators from Arizona, thats U.S. Senator XXXX XXXX and XXXX XXXX in regards to my issue. Senator XXXX and XXXX sent me a letter assuring me they would look into this matter and contact executives from Wells Fargo Bank to seek an immediate resolution to this matter. Senator XXXX informed me that hes considering calling Wells Fargo Bank Executives to Congress for more senate confirmation hearings on my issue and other constituents in their district complaining of the same issues and problems. Wells Fargo Bank Executives has appeared before Congress for congressional hearings the last few years to answer for Wells Fargo Bank opening up millions of checking and credit card accounts in peoples names all over the country without their permission or consent. Wells Fargo Bank just settled a National lawsuit for opening up accounts all over the country in Americans names without their permission or consent. I was part of the class action lawsuit and Wells Fargo Bank just credited my checking account XX/XX/XXXX for {$85.00} as part of the class action lawsuit settlement for opening up a checking account in my name back in XX/XX/XXXX/XX/XX/XXXX without my permission or consent.
Product: Debt collection

On XX/XX/2019 I contacted Deville Asset regarding a collection account asking them to validate the account they are trying to collect for specifically requesting they send me the Calculation of Surplus or Deficiency. Deville did reply by sending the contract but did not send me the calculation of surplus or deficiency showing a breakdown of how they came to the amount they say is owed. After researching I found out they were suppose to include all this information in their reply within the 14 day time frame per federal UCC laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING SYSTEMS CUSTOMER SERVICE WOULD NOT TAKE CAR OF INACCURATE INFORMATION REPORTING FROM XXXX  XXXX XXXX. INACCURATE INFORMATION IS OVER 5 YEARS OLD. IDENTITY THEFT VICTIM POLICE REPORT FILED
Product: Credit card or prepaid card

I've started 7 disputes with Citicards against an online merchant that failed and stopped to provide services..The charges were XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, $ XX/XX/2017 {$2900.00}, XX/XX/2017 {$2800.00}. Citicards failed to protect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDENDUMS TO THE FOLLOWING COMPLAINTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR ALL THREE XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX XXXX REGIONS LOAN AND FRAUD XXXX XXXX ACCOUNT FRAUD XXXX AND XXXX 'S ACCOUNT THERE ARE MISSING PAGES TO THESE REPORTS, NAMES REPORTS WOULD BE UNDER XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Funding LLC. To date, Midland has a poor track record in regards to its collection tactics, which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX dollars in fines and penalties due to their unlawful business procedures, which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative a remark, which includes myself. Please remove Midland Funding LLC from my file ; you can also see that I am apart of a class action lawsuit against Midland Funding LLC and Midland Credit Management. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of the Equifax data breach on XX/XX/XXXX. As far as I know, my identity has not yet been stolen. I believe my personal data was managed poorly by Equifax and believe that they should be held accountable for any damages that may befall me due to their negligence in this data breach.