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

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of loans, credit cards, and any other accounts from XXXX XXXX XXXX with a balance of {$710.00}, XXXX XXXX XXXX with a balance of {$840.00}, XXXX XXXX XXXX with a balance of {$540.00}, XXXX XXXX XXXX XXXX with a balance of {$42000.00}, XXXXXXXX XXXX  with a balance of XXXX CXXXX XXXX with a balance {$490.00}, XXXX XXXX XXXX XXXX with a balance of {$450.00}, XXXX XXXX XXXX XXXX with a balance of {$160.00}, XXXX XXXX XXXX with a balance of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Product: Checking or savings account

The bank over draft my account when I had funds that would cover and when tried to retrieve my funds it was unsuccessful when I XXXX  my account it never verified who it was, which left me out of funds and over draft my account making it negative and got charged and overdraft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I am waiting to delete the following information In my life. The items I need deleted are listed in The report. 
I am a victim of identity theft and did not make The Charge.

I ask that the items be deleted to Correct my credit report. 
I reported the theft of my identity to the federal Trade commission and i also have enclosed copies of the federal trade commission identity theft Affidavit. Please delete the items as soon as possible
Product: Mortgage

I was a loan modification process with BSI mortgage co., therefore they would not accept any payments and kept reporting me as " late payment '' and now " delinquent '' which is not a fair statement. How can I be late or delinquent when they wont accept a payment and then turn around and report this to XXXX and XXXX as a true statement? ( thank you for correcting this error from XXXX ) that is a fraudulent statement!! THEY ALSO SHOW " FORECLOSURE '' - I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. BSI is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! BSI is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from BSI showing PAID IN FULL. Please help!! 
Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX reported a 56 point drop to my Transunion credit report and a 57 point drop to my XXXX  credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : XXXX/XXXX. As far as I can tell, this is an account that I had no knowledge of that originated with XXXX as " XXXX XXXX  XXXX '' and was sold to XXXX XXXX. XXXX XXXX  presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that XXXX would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my Transunion report with XXXX XXXX, directly with XXXX  and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Product: Mortgage

During the housing collapse where consumers were getting encouraged to take out illegal loans, I purchased a home with a countrywide mortgage. It was a first and second mortgage. 

Bank of america strategically sold my first when it was announced that they would have to modify the existing loans. That left me unable to combine a 1st and a 2nd mortgage. My second mortgage was XXXX at 8.825 %. I have been paying for 10 years and the principal is now {$38000.00} while never missing a payment. bank of America has received {$33000.00} in interest. I need help getting a new interest rate or modify this loan
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please CORRECT the account XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

Net credit report a late payment. I told them due to conronavius and the governor closing my business, i am unable to make payments and would like to defer my payment. Net credit agree to defer my payment but added a late payment to my credit report. I spoke to the county Judge and he said before I file a lawsuit against net crefit I should reach out to credit reporting agencies and let them know that it was declared a natural disaster, and it's no fault of any business. All negative reports should be removed.
Product: Credit reporting or other personal consumer reports

Acct # XXXX The creditor has violated my consumer rights under fcra. The balance is paid in full and is being reported with a balance! Spoke to rep XXXX on today XX/XX/XXXX at XXXX XXXX  est and was informed there is no record from the third party company collector called true accord that the acct is paid in full. Experian also denied my dispute after providing valid proof of the debt being paid in full!!! On the credit report it is showing that the balance has been updated as of XX/XX/XXXX, which is a inaccuracy!!!!! The acct is being updated monthly year to date! 
However it states that there was a dispute updated in XX/XX/XXXX! And the document I provided to Experian is attached! 
They also too have violated my rights under fcra. 
According the FCRA Inaccurate, incomplete, or unverifiable information must be removed usually within 30 days! According to Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX FIN reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and denied the claim. This is not my debt. It has been removed on XXXX and TransUnion. I have been cooperative with everything asked of me to dispute but XXXX XXXX and refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i called experian to remove fraud alerts from my file. 

they are refusing to delete my fraud alert i submitted documentation attached is the documentation I sent
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries and a late payment that is incorrect
Product: Checking or savings account

I discovered an unauthorized withdrawal was made from my checking account ( TD BANK ) on XX/XX/22. 
The autodebit was from XXXX XXXX XXXX XXXX AUTOPAY in the amount of {$1100.00}. 

This is a fraudulent withdrawal. I am going to the bank this morning to freeze my accounts with them. I don't know it there is anything I can do to get the money back.
Product: Debt collection

The company, IQ DATA INTERNATIONAL located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as per XXXX, has been reporting to all 3 major credit bureaus that they are attempting to collected debt owed to XXXX XXXX XXXX since 2022. They have been attempting to collect a debt while charging interest, but have refused to provide evidence that a contract between myself and an original creditor was signed which would grant them the right to accrue interest on any debt. I am a XXXX veteran and can not afford a lawyer to sue them.
Product: Credit reporting or other personal consumer reports

I called Equifax on XX/XX/ at XXXX and was on the phone with the for over 30 minutes. ( i called XXXX ) after talking to a rep then a supervisor, i then filed a complaint directly with Equifax on the matter and was provided a case number the situation is regarding my credit score, specifically the XXXX Score. 

In XXXX i had a XXXX around XXXX my score then started to fluctuate XXXX to XXXX points over the next 4 months. 
my score had already suffered a XXXX point drop after responsibly paying off my student loans. I am now down to XXXX with these additional fluctuations. 

i contacted my card provider, as well as all three credit agencies, they all directed me to Equifax since they are the ones that control the XXXX XXXX. contacted them yielded no results. they, like any other source on the internet, provided generic information on how to improve my credit score. the completely failed to provided me with the reason as to why my score was wilding swinging XXXX to XXXX points every month. 
they simply said a ) its just the algorithm, they have no clue how it works b ) contact a credit advisor. but in the same breathe said the credit advises had no insider information on what would have specifically dropped my score ; but they would be able to take a guess on what could possibly raise my score. 

all three reports show EXCELENT results, no fraud, no missed payments. no changes that would rationally result in a XXXX point downard swing. 

this is simply UNACCEPTABLE. someone needs to be able to SPECIFICALLY explain the EXACT reason how and why MY score was hit with a massive swing. 

i appreciate any help you can provide. i understand the specific employees at Equifax are not to blame as they are just reading from their script. 
considering the life altering effects of a XXXX point swing has on my life i demand an explanation from Equifax. 

( apologies for typos, i have been on calls all day and am frankly livid at the situation. )
Product: Credit reporting or other personal consumer reports

Credit reporting agency violations : Nonpublic private information has been reported without my permission ( Proper validation of account not done ). Was told by customer service agent that all that was done was " We contacted furnisher and they said it was validated '' Nothing else was done to validate as correct ( Admittance to no investigation done, Furnisher also did not let them know that account is in DISPUTE and not notated on credit file ) 15 USC 1681i 15 USC 1681a ( d ) ( 2 ) ( i ), ( e ), ( f ), ( k ) ( iv ) ( 1 ) 15 USC 1681b ( a ) ( 3 ) ( F ) ( ii ), ( c ) ( 1 ) ( A ) ( B ) ( 2 ) ( c ), ( e ) ( 1 ) ( 2 ), ( f ) ( 1 ) ( 2 ) 15 USC 1681c-2 15 USC 1681e 5 USC 552a ( b ) 16 CFR part 313 17 CFR 248.7 26 USC 7213 Associated accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A few weeks ago I contacted company name PaySafe to open account for my business so I can receive payments from credit cards. I provided them with all information they asked and my account was opened. As soon as I received a payment in amount {$9900.00}. I received and email from them that they need some additional information and they not transferring money to my company bank account. I provided information they asked. And received answer that they closing my account and I need to issue refund to my client in other way after closing my account money will be hold for 180 days. I issued the refund and received receipt. But my client never received that money even that saw refund in pending on their merchant account. After that they never received refund. I got in contact today XX/XX/XXXX ( refund was issued on XX/XX/XXXXXXXX  account closed on XX/XX/XXXX ) spent an hour explaining situation and received answer since account closed they have money on hold for XXXX even Ive made refund before they closed my account. And there is no way to refund money. First when I called them to figure out why they closing my account explanation was that they dont like structure of my business. Today on XX/XX/XXXX Ive been told that the amount of transaction was more than {$7000.00}.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX ) XXXX has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent inquiries
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as XXXX XXXXXXXX XXXX concerning identity theft and consumer protection. 

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section XXXX ( a ) ( XXXX ). 

Additionally, under XXXX  law, specifically XXXX of the XXXX  Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant XXXX statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and XXXX  state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that JEFFERSON CAPITAL SYST will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX or 15 U.S.C. 1681c-2, that you, the EQUIFAX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX. Account opened at XXXX XXXX XXXX on XX/XX/year> XXXX Credit inquiries XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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

Account Name : 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 and 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 or other personal consumer reports

I AM VICTIM OF FRAUD, THEY MADE DIFFICULT HARD INQUIRIES ON MY REPORT WITOUT MY AUTHORIZATION, PLEASE HELP ME ELIMINATE IT. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied credit and was told it was due to XXXX reporting recent lates. My student loans are deferred as a current student and should never have been reported late. Even when the deferral was verified/submitted, they did not correct my credit report. This company is absolutely terrible and now I'm paying for them.
Product: Debt collection

In the month of XX/XX/2018 i attempted to obtained internet access fro my home and was denied as they stated i owe them to the sum of {$920.00} XXXX dollars. The debt is associated with a XXXX XXXX who lives in XXXX i resided with her temporarily until i moved to my current domicile. The representative had no ticket of the equipment or installation being done nor any signature or contracts with my information. I requested to speak to their legal department and was given combative and non cooperative behavior.