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

In accordance with the Fair Credit Reporting Act : 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 15 USC 1681 Section 602A, states I have a right to privacy.

15 USC 1681 Section 602A, Section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B, Creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX this is an account that I owe to XXXX XXXX what is the wrongful practice that above collection agency doing? 
They have practice of renewing " Newly Reported Date '' so the account stays in the burrowers credit report for indefinite period of time. Which in return this debt won't fall off after 7 years. 
This month they reported again as new debt collection, XX/XX/2022. 
I'm not the only victim here. 
Very aggressive debt collector. Bought debt off of XXXX XXXX  now trying to maximize the book for themselves. 
Do something.
Product: Credit reporting

My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX, XX/XX/XXXX. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. XXXX just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.
Product: Checking or savings account

I talked to a lady named XXXX almost 3 months ago and faxed all 10 mediation forms in to her etc. By the way she talked she was going to handle all 10 but when I spoke with her a week later she said she was just handling one of them and we settled on {$1700.00}. That was 2 months ago and still nothing and when I called mediation over a week ago a lady said all 10 of my claims went to a guy named XXXX at ( XXXX ) XXXX ex. XXXX and I have been calling leaving messages every day since with no call back! This has been going on for a year and a half now at least! When will it end and when will I be compensated etc?? I also am beneficiary of a separate account during those years of the lawsuit and I still can't find out what's up after submitting notorized documents I was told to!
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Global Lending Account 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  has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of Identity theft. I've never been to this XXXX XXXX XXXX I need this removed from my credit report
Product: Credit reporting or other personal consumer reports

**** XXXX XXXX XXXX XXXX. 
**Social Security Number : ** XXXX **Date of Birth : ** XXXX This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block 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 : 1. A personal credit account opened at XXXX XXXX on XX/XX/2024 under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX on XX/XX/2024 under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX on XX/XX/2024 under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX on XX/XX/2024 under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX XXXX on XX/XX/2024 under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with CAPITAL MANAGEMENT SERVICES LLP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Attention : XXXX XXXX and Equifax Dear XXXX XXXX, and Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : Equifax Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : XXXX Made by : XXXX XXXX Made on : XXXX 2019 Made with : XXXX
Product: Student loan

Called to get in one driven repayment plan. Then when I looked up the interest racked on for a year was astronomical it was almost 4000-5000 added on to my loan that is absurd never had that much interest tacked in ever. It unfair loan practices. Have never got more than 1000 in interest. Tried to call and got around numerous times. There phone system can call you all day. When you try to call its a long wait. I waited 3 hours never got someone that could fix it.
Product: Mortgage

During Covid 19 pandemic in 2020. I asked for assistance to defer payments to my mortgage because I was struggling to find work to support my family. The mortgage company offered to help- I had no payments due for about a year and a half. At the end of the assistance- I was told I could modify my loan. I really feel I was mislead and falsely informed by the mortgage company representative. I was 12 years into my loan and when they modified it they put it back to 30 years and they added aprox XXXX to my loan. I have no idea how this amount could be correct. I was shocked. I have tryed asking the right questions but no one can give me a clear simple answer. I was 100 % thinking that my loan was deferred- meaning just stop payments and resume when I find stable work. But they clearly didnt explain that to me. If you look on XXXX my home says I should owe aprox {$100000.00}. I am asking for them to retroactively approve this for my loan because what they tryed doing is wrong and not helpful to a family during a worldwide pandemic that needed assistance to keep their family safe in a home. I appreciate your thoughts and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2019, I was in contact with a person named " XXXX XXXX '' via text message from phone number XXXX about concert meet and greet ticket for XXXX XXXX XXXX in XXXX MA. XXXX stated that she would sell me two meet and greet tickets for {$40.00} a piece totaling {$80.00}. XXXX asked me to send the money through XXXX friends and family so that she did not have to pay the fee and wait for the money to come through. I sent the money to her and then she stated that she cancelled it accidentally. I asked her for proof it was cancelled in which she supplied me with a transaction number from XXXX. I resent money again to her and she stated that she received it. I asked for proof of the tickets and who she was and she sent it to me also. I never received the product I paid for. I contacted XXXX and they stated they could not do anything for me due to me sending it friends and family and not business transaction. I then disputed the transaction through Bank of America due to that being the credit card I used. Bank of America stated that they could not do anything for me either due to XXXX policies. I am looking to get these transaction taken off of my credit card due to it being fraud. I paid for a product I did not receive and have the text messages to prove it.
Product: Debt collection

It has come to my attention that you have placed a derogatory remark on my credit bureau files pursuant to my having paid you what you claimed I owed you. 

When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files, which you not only failed to do but changed my listing to paid collection, which is a far worse rating in the eyes of any potential future creditors. 

In doing so, you failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. For the doctrine of estoppel to apply, the party of the first part ( you, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In your communications with me, you told me that you would update my credit reports as soon as I had paid the debt to you. Naturally, I assumed and relied upon your statement to mean that you would mark the account as " paid as agreed '' or possibly remove it entirely. 

I agreed to pay the debt and did ; after that, you worsened my credit scores.
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account 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: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX 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 various accounts that appear on my credit report as the following : 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 been attempting to dispute the inaccuracies on my credit report regarding accounts reported by XXXX and XXXX. These companies have failed to properly validate the accounts they are reporting. I did not allow them to report or continue reporting this information on my credit report. Despite my efforts, no documentation or evidence has been provided to confirm the accuracy or validity of these accounts. It appears that the consumer reporting agency is merely verifying the accounts with the furnishers instead of conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ) Under the FCRA, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit file. Additionally, the consumer reporting agency is responsible for ensuring that all reported information is accurate, validated, and meets the requirements of a permissible purpose. Since these companies have not met the validation requirements or established a permissible purpose, I request that these accounts be investigated thoroughly and removed promptly if they can not be fully verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported inaccurately going back to XXXX. Conflicting payment information was repeatedly posted for XXXX - XXXX Charge Off vs. Paid vs. NR. Chapter XXXX note listed erroneously.
Product: Credit reporting or other personal consumer reports

My account with the XXXX and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed 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. 

This company 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! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a auto loan from my bank via phone. I was asked by the loan officer to check my own credit score since she was having trouble with her computer. I was told that she uses " XXXX XXXX '' and that it would be free. I did as requested. 
Now when I check my online banking statement, I see that I was charged {$1.00} ( XX/XX/XXXX ) from " XXXX   XXXX for this credit check I am assuming. Then 4 days later ( on XX/XX/XXXX ) I also receive a charge for {$29.00} from the same vendor. 
When I did a search for this vendor I can see that there is a complaint board set up fot this same particular vendor. When I started researching some of these complaints I can see that this practice of unauthorized charging of bank accounts seems to be a common practice. 
I have called my bank and disputed these charges and cancelled my debit card and asked for a new one to be issued to stop this vendor from charging my account any further since from the other complaints that I have read seems to be the normal practice.