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

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a personal collection account opened at XXXX XXXX XXXX  on XX/XX/year>, under the account number ( XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year>, under the account number ( XXXX ). This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly updated. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and I noticed some incorrect inquiries and not accurate. and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable laws and procedures required to assure the maximum accuracy of the information concerning the specific individual about whom the report relates. These inquiries and/or accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and according to 15 USC 1681s-2 A person shall not furnish any information relating a consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate. 
check the attachments below
Product: Debt collection

I RECEIVED NUMEROUS LETTERS STATING I OWED ON A DEBT I HAD PAID IN FULL OVER A YEAR AGO TO THE DEBT COLLECTOR. IN REVIEWING THE NOTICES I ALSO NOTICED THE AMOUNT IS DIFFERENT THAN WHAT I INITALLY PAID. THE NOTICE SAYS XXXX I PAID XXXX I CALLED PORTFOLIO AND COULD NOT GET AN ANSWER FOR THE LETTERS OR THE DECREPENCY IN THE AMOUNTS. ALSO ONE OF THEIR REPS STATED HE SAW AN OVERPAYMENT WHICH I NEVER RECEIVED AS WELL.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an XXXX XXXX XXXX XXXX offered through Bank of America. At the time, the promotion I clicked on was XXXX bonus miles, {$100.00} statement credit and {$120.00} companion fare, I was just required to spend {$3000.00} in the first 90 days. ( screenshot attached ) Having received no response, on XX/XX/XXXX I called in and the rep said that they were just waiting on me to verify some information and they just hadn't reached out yet. She helped me finish the application and approved it at that time. 

This account shows in my Bank of America with an opening date of XX/XX/XXXX. 

When I got the card and details, it showed the promo to be the new promo which is only XXXX miles, no statement credit and then the {$120.00} companion fare. ( copy of promo they sent in the letter attached ) I immediately reached out to the service center and was told that the XXXX was the " current promotion that began on XX/XX/XXXX ''. When I stated that was not what I applied under the terms of and that the paperwork I got verified the initial application was done on XX/XX/XXXX based on the day they show they pulled the credit score ( attached ), he initially tried to tell me that the XXXX miles was a better deal anyway because I " only had to spend {$2000.00} not {$3000.00} in 90 days to qualify ''. He then indicated that he needed to send it to the research team and that they would send me a copy of the application showing what those terms were. He assured me that if it showed the XXXX that I had applied under the terms of, that Bank of America would resolve this. 

In a letter that I received yesterday ( attached ), dated XX/XX/XXXX, Bank of America responded stating " Unfortunately we don't have a copy of the credit card application you requested. We show that you submitted your application on XX/XX/XXXX, but don't have a copy of it because you applied by phone or online. Thank you for being our client. '' I reached out the call center again today and was told that there was nothing further that could be done, that even though she was aware that I indeed applied for the XXXX promotion based on my application date, that she nor anyone above her could manually award those points or offer that statement credit to me. I asked repeatedly to speak to a supervisor and in the end she stated that they are only a call center that works with Bank of America, not even actual Bank of America staff. 

I then went into the branch to get this resolved, explained the whole situation above and was told that they can not see the application and do not have any authority when it comes to the promotions that are attached to certain credit card offers. They actually tried to suggest that I call the servicing center and I explained that was exactly who couldn't do anything either.
Product: Debt collection

Ive been disputing this account I never had a XXXX  bill during the time they are stating and they are reporting this collection to my credit which is damaging it
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the credit reporting agencies are not supporting equality for woman. I have interviewed many others including executives at the same corporate level and they have also identified a huge disparity between their credit reports and their husbands. We incurred the same credit & debt. All loans and assets were in both of our names. 

I submitted disputes and within an hour it said it was resolved. It is impossible. The one business was no longer open for business at that time and the other would take a full investigation. 

I am reporting it to FTC, XXXX, social media and the news. 

Experian, XXXX and XXXX are also violating the FCRA and equality when only the husband gets the credit on his report and derogatory is taken off but remains on the womens report. Both shared the debt, gained the credit and worked so both should have the positive effects AND exactly the same credit reports. I was the one who bought and sold our homes. One for {$650000.00} and the 2nd home for $ XXXX. Where is that on my report!!!!!??? 

The bankruptcy landed only on my report and no sign of my large credit acquisitions and pay off amounts. 


Side note : XXXX is escpecailly guilty of this and will only list the active duty member not both parties co-signing on a loan. Not really the American spirit for a financial institution built solely on the financing and economy of families Servicing this country. Dishonorable
Product: Mortgage

XX/XX/2016 XXXX XXXX XXXX XXXX, CA XXXX Dear editors and readers, I am seeking help in recovering {$710.00} that was confiscated from my escrow account by the LenderLive Network, LLC my mortgage company in XXXX CO. 
The {$710.00} was the second Hazard Insurance payment for the same year. When this second payment was breached from my account it put my escrow account in a negative balance. 
The first time that I called them they admitted the mistake and said it should be cleared up by XX/XX/XXXX, when I did not hear from them I called back. This time I talked to a woman named XXXX who said it would take until XX/XX/XXXX to clear up their mistake, but in the meantime I would have to pay mortgage increase of {$100.00}, adding insult to injury. They want me to pay extra for their wanton negligence. 
Seeking advice ... Is there a Real Estate resolution board or a Real Estate fraud board? Small Claims court? 
Any help appreciated, XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries : XXXX XXXX XXXX XX/XX/year>XXXX  Please remove these fraudulent inquiries from my credit report. 

I've also attached my identity theft report as well.
Product: Payday loan, title loan, or personal loan

XXXX this was pay but they saying it was not pay but I know it was
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX. PA XXXX Account Disputing : XXXX From Portfolio Recovery Associates , LLC THIS COMPANY DOES NOT HAVE LICENSE TO COLLET any debt in the state of Pennsylvania.
Product: Credit card or prepaid card

I purchased 2 items from XXXX and returned the products.I had to jump through HOOPS producing tracking # s which I did It was resolved and a credit was placed on my credit card. Then they just rebilled again and put a XXXX charge on a account I closed after the last dealings with this CORRUPT BANK. They are charging products to a closed account. I called XXXX and they have NO record of the XXXX charge. I have closed the account already so I can not go back at look for ERRORS. I have requested all of my statements be mailed so I can review. This is about 8 months. This dispute was settled 2 months ago. They just rebilled the disputed amount and then charged XXXX on a CLOSED ACCOUNT. If they are doing this to me I am sure they are doing this to OTHERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex fianc had a Macy 's credit card he opened in  XXXX  before I met him . Macy 's has   an  XXXX  an d Macy 's sto re account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  Macy 's and they s tated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  Macy 's and al l  XXXX  credit bureaus to have this removed since  XXXX .  Macy 's refu ses to remove it, even with a police report submitted to them . Macy 's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that Macy 's does not investigate this issue, instead they send a generic response back indicating  the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The aforementioned items are unknown to me. you are required to remove/block any items or information not later than 4 business days after. Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit card or prepaid card

Capital one ( XXXX ) XXXX I had a fraudulent transaction made on my account made in Monday XX/XX/XXXX at a XXXX store for {$140.00} and I received an alert on my phone App. I immediately reported it to the credit card company and told them that I was at work during that time and somehow there was a fraudulent activity on my account. They told me not to worry about it that my account was 100 % fraudulent protectected against unauthorized transactions and they removed the charge on XX/XX/XXXX. Then I received a letter that the investigation was closed and that they had determined that I was not liable for the fraudulent transaction. On XX/XX/XXXX XXXX rebilled the {$140.00} and said that pretty much they changed their mind and spoke to supervisor ID XXXX and said that they are holding me accountable for that transaction. I said if that I am not willing to accept responsibility for a transaction that was not made by me. She said that I couldnt do anything else and that I have to pay that unauthorized transaction.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. Accordingto the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Im working on improving my credit, but this account XXXX  XXXX XXXX  XXXX with number XXXX is showing a rating of CollectionOrChargeOff on my report, and its not accurate. You have it listed as opened on XXXX with the last activity on XXXX, but thats just not correct.This is really standing in the way of my goals, like buying a new home or qualifying for a better credit card. Can you delete this account and send me proof that I owe {$3600.00}? XXXX sure I dont owe anything. 
I appreciate your help in fixing this!
Product: Debt collection

GC Services uses the following tactic : They have been contacted with a complaint that has been filed against you and that they are getting ready to send the paperwork to you through the XXXX XXXX County courthouse. They have also left several messages threatening to serve me with ppwk. at my workplace and if I am not available they will need to get a signature from the upmost authority at my job and expose my business to the managers because they will need their verification that they are at the right place.

The most recent one is : they sent me a text that contained all my sensitive personal information. I have never given this company permission to text me and I don't think it's legal to text personal information. They don't know if it's the right number. That could of landed in the hands of someone that could of easily used my information negatively. They texted my ss #, dob, and my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me as 60 days past due on the XXXX XXXX partial account numbers XXXX and XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} SOC SEC ADMIN OFFICE O XXXXBalance : {$2600.00}
Product: Credit card

Home Depot sends me an account statement that has a total balance based on a closing date of XXXX Due XXXX. In this case mine is {$1100.00} with a minimum payment of {$29.00}. 

On the statement it reflects 4 charges from a zero interest rate promotion as follows : which won't accrue interest until XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX {$93.00}, {$550.00}, {$390.00} & {$99.00} Which correctly reflects the total amount of statement of {$1100.00}. 

I paid the account statement balance in FULL with a payment of {$800.00} on XXXX and today XXXX. 

I expected that all promotion balances listed above would be paid off, since that is the charges reflecting the balance. 

Instead they said they could not do that. " That {$31.00} of the {$1100.00} would go to your revolving balance and the remainder could be allocated to the other balances on statement. Which would show up as me still owing on my promotional account on next statement. 

I kept asking why they are allocating part of my money on a charge that does not show up on THIS CURRENT Account Statement and not legally due until the next months Statement closing date of XX/XX/XXXX. The reps actually had no good explanation except that, they were allocating money towards the balance that has interest. I said that balance/ charge is not on this statement and will ONLY have interest IF I do not pay it off in full when I get that statement. 

How can a company use my money to go towards account statement balances I have yet to receive and not yet due? 

My current account statement showed to pay it off is {$1100.00} and yet they are systematically carrying over a balance and not paying off my promo charges reflected on current statement. My total payment of {$1100.00} SHOULD have PAID my current statement balance off which would have paid in full all promo zero interest charges off. 

This is not proper accounting. This is very sneaky and dishonest. None of my other credit cards EVER use my payment to go towards charges I have made that will show up on next billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX XXXX XXXX XXXX. Both accounts start with the account number XXXX. One had a high credit of {$100.00} and the other has an existing balance of {$370.00}. 

I submitted a dispute to have the {$100.00} high credit account updated to " included in my bankruptcy ''. The XXXX account with the {$370.00} was NOT included in my bankruptcy. I disputed that one to get the " affected by natural disaster '' updated for my late payments in 2020. The bureau didn't get anything right. 

They did not put the bankruptcy notice on the {$100.00} high credit account and they DID put the bankruptcy notice on the {$370.00} balance.