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

hello, my name XXXX XXXX and I am a victim of identity thief. I report everything that need to be deleted below and in the attach documents. 

1. XXXX XXXX XXXX ( Collection Account ) Account Number : XXXX Collection opened : XX/XX/XXXX Amount : {$1700.00} 2. XXXX XXXX ( Collection Account ) Account Number : XXXX Collection opened : XX/XX/XXXX Amount : {$370.00} 3. XXXX XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00}
Product: Credit reporting

Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, XXXX XXXX XXXX which is my legal name, there are so many AKA 's it 's crazy I want all removed. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE
Product: Credit reporting, credit repair services, or other personal consumer reports

We were never late on our Auto Loan with XXXX XXXX. We paid our loan in full in XX/XX/XXXX. XXXX had not updated our reporting since XX/XX/XXXX. In XX/XX/XXXX, I disputed tje balance through Transunion. XXXX updated our account to reflect our last payment was in XXXX and the account is now closed, however they failed to report our XXXX and XXXX payments, and are now reporting a 30 day delinquency. This has negatively impacted our credit score.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ASCENDIUM EDUCATION has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card or prepaid card

AARP is transferring their credit card from Chase Bank to XXXX They gave a broad range of interest rates to expect, from a single digit number to a double digit number with about an 18 point spread. There was no choice given to consumers regarding whether they would like to stay at Chase, or have their card moved. 

Phone calls to AARP regarding the lack of interest rate figures were referred to XXXX. XXXX had a phone number loop set up so that every call eventually went back to the same office regardless of the bevy of numbers I obtained. No one would give even a smaller range of interest rates to expect. 

Who on earth would transfer to a credit card that did not give an interest rate up front? 

AARP appears to have become yet one more agency that fell in love with fame and fortune and forgot their commitment to advocacy.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES, LLC - This collection is erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611 THIS MUST BE deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX : I demand my credit be frozen immediately, I have already requested this years ago, but it has come to my attention that there has been many illegal inquiries and information has been shared. freeze immediately. do not share with anyone for any reason. stop collecting information and spying one me to, through things like XXXX and XXXX as well. here is a transcript of another complaint with more information : illegal credit inquiries since XXXX24 according to experian : XXXX XXXX XXXX times, experian and experian credit match XXXX times, XXXX XXXX XXXX times, XXXX XXXX XXXX XXXX times, XXXX XXXX XXXX  XXXX time, XXXX XXXX XXXX XXXX time, XXXX XXXX  XXXX time. XXXX XXXX XXXX  times, XXXX XXXX XXXX XXXX time. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. experian, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXX New York XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX you. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason. 

immediately destroy any information obtained. cease and desist all business activity, especially related to me. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason. experian, lock the report. XXXX XXXX XXXX New York XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent an email giving transfer information into my bank at Chase.com someone intercepted the message .... changed my email by adding an s to the end of it. my correct email is XXXX scam email was XXXX. added s to end they sent the email below to my recipient and then tried to change the bank info and account info. 

My team was smart enough not to do the transaction without contacting me. BUT THIS WAS OVER a {$100000.00} transfer!!!! 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/2019 XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : FW :  One wire was returned XXXX, Sorry i did not inform you earlier XXXX XXXX and myself had a joint account and there has been projects going on which funds will be needed in the provided account. 



I just talked to XXXX, He informed my name should be able to receive funds but due to the bank delay with upgrade XXXX XXXX has to be the account name. Currently i am not at the best place to be reached, But i will do all i can tomorrow to confirm this, If i cant i will send an email. 



Thank you, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting. ALL credit reports must match with other reports, with XXXX being the most accurate.Said company has 4 days according to LAW to remove such items that do not match with XXXX. I am requesting TRANSUNION to provide documentation that shows my credit report is matching my XXXX report.Said Company is liable under the SEC to follow certain rules. TRANSUNION commission file number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX. I will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is reporting contradicting information to what XXXX is reporting.
Product: Debt collection

On XX/XX/2023 a full rent payment was made to the apartment rental complex ( can provide name if requested ). I saved the electronic payment receipt and electronic payment information on XX/XX/2023. On XX/XX/2023 I received a debt collection letter from IQ Data International Inc. I called IQ Data International Inc. on XX/XX/2023 in response to this letter and was told to email the receipt to XXXX. I emailed the receipt with the account number in the subject line to XXXX. I was told over the phone that the account was placed in disputed status and they would not try to collect the debt until they verified the receipt. On XX/XX/2023 I received another debt collection letter from IQ Data International Inc. for the original monetary amount and the same account. On XX/XX/2023 I called IQ data International Inc. and asked the status of the account, if they had received the emailed receipt, and asked that the debt collection be disputed. The representative informed me that they had not read the email, had not read the receipt, but had received the email. I asked that they read the receipt and email to dispute the debt collection. The representative informed me that he could not access his email. I asked to speak to a supervisor. He informed me that all supervisors were in a meeting. I asked to speak to another agent. He informed me that there were no other agents. I asked for an email to again send the receipt. The agent provided the following email : XXXX. I sent the receipt to XXXX. I asked the agent to confirm that he received the receipt. The agent could not login to the email, so I asked to speak to anyone able to login to the email. The agent forwarded my call to another representative. The new person on the phone could not login to the XXXX email but said that the account had been placed On Hold and told me to call back in 24 hours for the status of the account and to confirm the receipt had been received. I called back 24 hours later on XX/XX/2023 and informed IQ Data International Inc. that the call was being recorded and asked for the status of my account and confirmation the receipt had been received. The agent said the account was in the Disputed status but could not confirm that the receipt had been received. I asked for the timeline for the process, how I would be notified about the resolution, how I would be contacted for the resolution, and next steps. The agent said there was no timeline, that I would not be contacted about the resolution, and that there would be no guarantee of contact. I requested that the company contact me with the status of the account and the agent said they would not contact me for the resolution and that there was no timeline. I asked to speak to a supervisor and for the extension of the supervisor. I was transferred to XXXX XXXX and the phone was picked up but silent and then hung up by the person. I called back at the number and extension given for XXXX XXXX and was sent to an unarmed voicemail. I left a message requesting a call back with the account number, status, timeline, and confirmation of the email receipt. I have received no contact back from IQ Data International Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Mortgage

Dates : XXXX XXXX XXXX of 2019, XXXX $ each month. And my Mortgage company denied me the right to file for a modification to my account. At the time I was laid off and waiting for my unemployment to be heard by a referee officer. Because my employer was trying to denied me of my rights as a XXXX XXXX. The process took over 3 months. My mortgage was facing forcloser.So I reached out to my lender who is Wells Fargo and they investigated my claim and returned with the decision to denied me a modification. Wells Fargo is not in the business of helping their customers try to keep their homes. They rather you short sale or lose out completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage recently transferred providers, during this transfer my credit was pulled without my consent and has since dropped my credit score dramatically. XXXX XXXX Ran my credit without my consent or knowledge, I am not sure who this company even is. Since then, my mortgage has not been reported on my credit report and currently has that I do not have an open mortgage account, which is incorrect. I have had a mortgage since 2019 and have transferred providers before with no issue, and no credit was pulled then. My credit score has dropped dramatically, dropping XXXX points, from XXXX to a XXXX. Very frustrated and concerned with the fact that this company got all of my information and then ran my credit without my consent.
Product: Credit reporting

On XXXX XXXX, 2016 I disputed an account that was on my report from XXXX XXXX XXXX with all XXXX Bureaus - All the Bureaus removed the data except XXXX On XX/XX/XXXX16 I received an updated credit report from Equifax ( see attached ) stating that the item had been removed. On XX/XX/XXXX16 ( see attached ) I pull my report and confirmed it was removed. On XX/XX/XXXX16 I received a notice that the item had been reinserted on XX/XX/XXXX16 ( see attached ) and on XX/XX/XXXX16 I pulled my report and confirmed that the item had clearly been reinserted. This is a violation of the FDCRA and I need your help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from XXXX transunion and XXXX stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 card

Concora Credit , XXXX XXXX XXXX 


I have a Destiny mastercard and still have a Milestone card with them. 

Due to XXXX XXXX XXXX I placed a dispute against a charge, and they sided with XXXX after XXXX  was paid via other means and refused to give back the money. I closed the card, and the removed my access online to all of my accounts and refuse to grant it back. I can not verify my balance or transactions. I have spoken to them several times and they still refuse. I am on the phone with them, again as I do this complaint. 


This is important because my wallet was stoeln in XXXX on vacation.
Product: Mortgage

Last year I paid the outstanding principal balance to avoid a foreclosure. I wasn't able to pay the late fees. Starting in XX/XX/XXXX the monthly totals were caught up and I made payments on time. I just noticed I'm 2 months behind in payment, although all payments made this year were made on time. Specialized Loan Services ( SLS ) has apparently dropped the account back two months in an attempt to get late fees from the previous year. 

This is rental property and the tenant said a foreclosure sticker had been placed on the house at the beginning of the year. Since all payments have been caught up SLS is now stating that I'm two months behind in payments. Nothing can be further from the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ACCOUNT RESOLUTION XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, ACCOUNT RESOLUTION XXXXI has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Product: Debt collection

Online Collections is Tarnishing my credit report with a fraudulent account that is not owed! I have know knowledge of this fraudulent account, and they are violating the FAIR DEBT COLLECTIONS PRACTICES ACT for reporting on an account that is due to fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : XXXX Letter Tracking # XXXX XXXX Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin 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. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n a XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XX/XX/XXXX Credit Report the same XXXX/XXXX  was showing as a collection. 

I am filing a complain against XXXX, XXXX and Equifax for improper reporting of this charge off on my XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XX/XX/XXXX credit report and four years  later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, XXXX & XXXX XXXX
Product: Bank account or service

I have been unable to use my account due to fraudlent activity because of identity theft i spoke with the fraud dept awhile ago to get it resolved nothing has yet to be done
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an erroneous credit report entry but I still have ITEMS left that needed to be removed. This is my 7th letter that I was affected by inaccurate credit report data. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are incorrect credit information : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit information. I do not consent to E-OSCAR or any means of automated verification.
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. 
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Product: Debt collection

I advised that these debts were dentity theft and they have not been removed from my credit. Currently trying to get them removed and having the worst time I submitted an Identity theft report and not even a response from neither of the companies.
Product: Debt collection

My teenage daughter received a call last night, XXXX/XXXX/17 at approx. XXXX from XXXX XXXX from XXXX, asking to speak with me regarding a collection attempt of {$3600.00} for Capital One. I called the number back and spoke with someone who stated they were attempting to collect debt for Capital One. I informed them that this was a bogus collection call, that I did not have any late payments, or any problem with any of my accounts and that they were not to call my underage teenage daughter again. I then called Capital One and confirmed with them that my account was in good standing and that there were no problems with the account. They noted my account about this attempt to collect for them, and instructed me to make sure my daughter gave them no information.