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

I am a victim of a data breach, and as such, fraudulent accounts and inquiries have been added to my credit report without my authorization. Pursuant to 15 USC XXXX ( a ) and FCRA XXXX ( b ), I am formally requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My loan under XXXX via XXXX was sent to collections. I reached out to the collection agency MRS BPO and made a payment arrangement to settle for less for the amount of XXXX. That payment was made then MRS BPO provided me with a letter stating the account had been paid in settlement and sent to XXXX for XXXX to update my credit report. XXXX  is now saying I still owe XXXX and that it was not settled even though Ive provided them with documentation from MRS BPO stating it was. XXXX keeps giving me the run around stating they can't take payment as I have offered to even just pay the XXXX to be done with this. XXXX  states I have to call MRS BPO and make a payment with them but when I call MRS BPO they view this matter as resolved already with them and won't take payment either as they view the account as settled. XXXX should accept the letter and update my credit to show this account has been paid in settlement with a XXXX balance showing. Right now it's still on my credit showing open and XXXX due. 

This is the letter XXXX just sent me after waiting two weeks for them to review. 

Hello, This is XXXX from XXXX XXXX XXXX. I totally understand that you're looking for an answers regarding with this concerns. No worries, I'll be more than glad to assist you. 

Upon reviewing, I can see that you have a loan under XXXX ( XXXX ID : ). the payment already reflected coming from the collection amount of {$55.00}. Additionally, you still have a remaining balance of {$36.00} Loans that are more than 120 days past due - can be sold to other companies. You were sent an email notifying you of the sale of your loan. Because of the sale, XXXX can no longer accept payments for this loan. You'll need to contact the new account owner XXXX XXXX at XXXX and work with them to pay off the balance. 

If you have any questions or concerns, please contact us through the XXXX XXXX XXXX at XXXX.com/help or call us at XXXX between the hours of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX days a week. 

Thank you and have a wonderful day! 

Best RegardsXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX Account # : XXXX XXXX  XXXX. Account # : XXXX XXXXXXXX XXXX XXXXccount # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX OF XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are provided for your reference.
Product: Debt collection

I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while working as an private home healthcare provider. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics XXXX. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience to my life. This collections agency never provided any proof that the account belongs to me.
Product: Student loan

I was informed that this company meant for Student Loan Forgiveness and that I wouldnt have to pay XXXX anymore just them. I was only paying {$49.00} a month to them for over a year. Was informed I would be paying for 127 months in order for Loan Forgiveness to fully clear my debt. By near end of last year, XXXX contacted me and told me I could start paying them back {$58.00}. I contacted Equitable Acceptance and they couldnt give me a straight answer on what was going on and gave me a number to call. I didnt call the number because something felt very off. Instead I called XXXX, and when I explained the situation to them they stated that I had been scammed, that I should have been paying through them. Since they stated that, I stopped paying them and continued paying XXXX  since they were a legit organization and I didnt see any reason why I should pay a legit company and a company who wasnt truly providing me real service just piling on my interest which wasnt what I thought they were doing originally. Just recently I had been informed by email that my case would be sent to Collections since I wont pay them anymore. I saved all 3 emails for proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charges are not familiar to me- I have a freeze on my credit that has been there since XXXX not sure how this is happening.
Product: Checking or savings account

My XXXX XXXX XXXX XXXX XXXX account was acquired by Wells Fargo and they do not have a record of my account.
Product: Debt collection

On XX/XX/2019 at approximately XXXX I pulled a credit report for the purpose of purchasing a home. When reading over my credit report I noticed that there were fraudulent accounts listed on my credit report. None of which I had knowledge. 

On XX/XX/2019 after unsuccessful attempts at contacting creditors and debt collectors I was advised to file a police report. I filed a police report and the deputy listed the accounts in question. 

On XX/XX/2019 I sent the police report number via email to Portfolio Recovery Associates. 

I mailed dispute letters with a copy of the police report on XX/XX/XXXX to Portfolio Recovery Associates LLC. On  XX/XX/2019 I called to confirm that Portfolio Recovery Associates was in possession of this report number. The associate I spoke with requested a copy of the actual report. 

On XX/XX/2019 I sent three copies of the physical police report for all three accounts Portfolio Recovery Associates was attempting to collect. After numerous phone calls to Portfolio Recovery Associates throughout the following week,  claiming that they did not receive my email, I was advised by a representative from Portfolio Recovery associates to resent the email. 

On XX/XX/2019 I resent the email for the accounts listed. 

I called on XX/XX/2019 to confirm action was being taken to remove the fraudulent accounts. However an employers advised me that because the police report listed the original credit limits and not the amount owed that they would not accept the police report. 

This is a blatant attempt to try and continue a debt collection in a case of obvious fraud. I will take every legal action necessary to fight Portfolio Recovery Associates, Upto and  including civil litigation.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX  account is on my credit report and it is well over 7 years old. This account somehow keeps coming back validated when this information is way to old to even be on my report
Product: Credit card or prepaid card

The card said to register for online order. I did so. Then the card did not work. Now the website for help and to register the card does not work and the phone number only says there will be an extraordinary wait time and hangs up.
Product: Credit reporting or other personal consumer reports

I went for training as a student and after finishing my 2 months training, I drove for the trucking company by the name XXXX XXXX XXXX XXXX between the months of XX/XX/year> to XX/XX/year> but the terms and conditions the company promised didn't came about to be true and I told them to keep me out of their schedule since the payment was becoming less and less every week. 
When I left, the company together with the LOCKHART MORRIS $ MONTGO posted a balance of {$4800.00} on my credit report without consulting me on how to make an arrangement to settle this balance before posting it into my credit report. 
For this matter, this balance is higher to the best of my knowledge, therefore I can't even purchase a car because it's showing in every corner. 
Please I would humbly request these two companies to remove this from my credit then I can settle the reduced balance as soon as I can.
Product: Credit reporting or other personal consumer reports

XXXX appliance is violating federal bankruptcy law reporting late payments after I filed for bankruptcy XXXX  years ago on an account that was discharged in bankruptcy court with all three credit bureaus
Product: Credit reporting or other personal consumer reports

The companies have fraudulently pulled the credit reports. They need to be removed from the credit file. They are violating FCRA 15USC 1681, a, i, e, b.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a bankruptcy in my Experian credit report which they not allow to report in my credit report I contact bankruptcy court and they do not report to any credit Bearu 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 agencie can not furnish a account without my writing instruction
Product: Payday loan, title loan, or personal loan

my issue is with both XXXX ( manufacture ) and XXXX ( lender ) .. 
XXXX XXXX XXXX | XXXX, GA XXXX | XXXX | XXXX back in XX/XX/18, I purchased a XXXX treadmill for {$1800.00} ( Order Number : XXXX, Order Reference : XXXX ). two issues with that, 1 ) I didn't realize XXXX tackled XXXX for a 24 month ifit subscription and 2 ) I was told I was going to receive a 24 month no interest loan with XXXX  ... after several days of disputing these added changes, I received and e-mial ( I can provide it ) indicating that I would be receiving a credit for the added fees and apologized about the " miscommunication '', but even though I was offered the 24 month interest free no payment loan, I didn't qualify and received a different loan ( next time i'll make sure I understand all terms ). * This is where the problem begins because by the time I realized that I was supposed to be paying this loan, I had already incurred a crazy amount of interest and late fees. my new balance is XXXX .... I called XXXX, had an e-mail conversation with both parties and had no resolution. they just passed the responsibility back and forth. I logged on XXXX website, and they received the credit from XXXX, but no adjustments have been made. and they are ruining my credit/credit score. I have told XXXX that I would be happy to pay the credit line I requested, but I needed the balance adjusted.. I am scared at how much I have to pay now because of an error I did not make..
Product: Checking or savings account

On XX/XX/year> I made an online deposit of my paycheck. On XX/XX/year> those funds were then available to me in the morning, however when I checked my account later that day, my funds had been reversed and no longer available. When I called I was told my employer did not sign my paycheck. I was told to have them sign the check and then deposit the check again. I looked at my check and saw that it was clearly signed by my employer. On XX/XX/year> I walked into a branch in XXXX, Michigan to deposit my clearly signed paycheck. I spoke with an employee at the branch and they assured me that my check will go through on the next business day. They processed my deposit and I left. On XX/XX/year> my funds were available in the morning but however once again later on that day my funds had been reversed and no longer available. I call and spoke with a representative at around XXXX on XX/XX/year>. I was told that their legal department needed 7-10 days to process my check and resolve my issue which they claim again that the check was not signed. The branch employee on XX/XX/year> clearly saw that the check was indeed sign but the bank at the higher level was not accepting that. In the meantime my house payment was pulled. They told me they would still process that payment. On XX/XX/year> my house payment was returned to the bank due to XXXX. Also my car insurance payment was declined. I talked through an instant message on my banks website on XX/XX/year>. They told me they couldnt process my payment due to a signature issue. On XX/XX/year> I called again and was told now that the only way they will process my check is to have my employer cancel my check and re-issue it. I called the branch at XXXX, Michigan and spoke with the manager teller. She advised me that she will file a complaint on my behalf and still had my physical check. She said she would speak to the branch manager and they would handle the situation. I was told I would receive a call back. By XXXX on XX/XX/year> I still had not received a call back so I contacted the branch again. The manager answered and she then said that she is waiting for them to call her back higher up and that this process would still 7-10 business days. I have no incurred late fees on my house payment as well as a returned check fee and I have also incurred late fees on my auto insurance. No one at the bank it willing to help
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. I ask XXXX, XXXX, and Equifax to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Reason : Account is fraudulent AccountName : XXXX XXXX  Account # XXXX Reason : Account is fraudulent Account Name : XXXXXXXX XXXX  Account # XXXX Reason : Account is fraudulent.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ACCOUNT IS NOT MINE AND THESE INQUIRIES I DONT AUTHORIZE. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I received a " Fee Schedule '' insert in my envelope with my XXXX Tax form from Shell Point Mortgage Servicing. The newly instated fees, of which we have no say over, by this company that " assumed '' my mortgage are excessive, to say the least. In some cases the increase is 100 %. This is an undue, unfair, unrepresented increase. For example, if I chose to have my house appraised, they have created a {$1000.00} to assess me. In order to pay my bill, it will now cost me {$10.00}. It used to cost {$0.00}. The recording fee went from {$0.00} to {$100.00}. If they choose to hire an attorney for any reason, even if I am unaware of it, they will charge me {$35000.00}. If I declare bankruptcy, they will charge me an additional {$2000.00} just for declaring it, up from {$0.00} previously charged. There is a " loan repayment fee '' for paying the loan which is undisclosed because it " can vary widely ''. 
These are just some examples. 
These seem outrageous. We did not choose this company so we have no say in this.It is abusive.
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 XXXX : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report MUNCPL XXXX  XXXX XXXX Balance : {$270.00}