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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX  XXXX BALANCED {$20000.00} XXXX XXXX XXXX BALANCED {$6000.00} XXXX XXXX XXXX BALANCED {$6600.00} XXXXXXXX XXXX  - XX/XX/year> 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 # ( private case number ) 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

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. has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  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 recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX Account number : XXXX
Product: Credit reporting

There is several credit card accounts on my credit report that I never applied for or used. An XXXX card, a XXXX card, XXXX called XXXX and the info for my XXXX card is incorrect
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 


Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi! My issue is with PHHMORTG. I was on the XXXX XXXX XXXX XXXX from XXXX, XXXX- XXXX, XXXX due to loss of income. During this time period, I was approved for XXXX and began making partial payments, as well as, some full mortgage payments. 

After my Forbearance Plan ended XXXX XXXX, XXXX returned my payments for XXXX, XXXX and XXXX, XXXX in XXXX! On XX/XX/XXXX XXXX mortgage payments were returned causing me to be behind XXXX ( XXXX ) PAYMENTS!!! 

I was never notified via mail or over the phone when making previous mortgage payments that individual payments would no longer be accepted once the XXXX XXXX ended. 

My XXXX payment was made over the phone and applied towards my XXXX, XXXX mortgage on XX/XX/XXXX which is the day that I received my SSDI. My XXXX payment was made over the phone and applied to my XXXX mortgage on XX/XX/XXXX which is also the day that I received my SSDI. Both payments, each month, were taken out of my bank account. 

Out of ALL of the daily, weekly, and monthly calls from XXXX not XXXX representative EVER alerted me that single/individual payments were no longer going to be accepted after my Hardship program end date. 

With that being said, in XXXX, after I received the XXXX returned mortgage payments, XXXX recommended that I apply for the Mortgage Assistance Program in an effort to obtain a Loan Modification and add my outstanding balance to the end of my loan. 

I submitted the application, along with, my XXXX documents and whatever else they requested. It has been documented that I have been calling PHHMortg ever since XX/XX/XXXX inquiring about the status of my application! Each time my calls have been transferred multiple times as I repeat my concerns only to end up with another wait for a XXXX - day interview appointment with my mortgage specialist case manager. It is now XX/XX/XXXX. I spoke to my PHHMortg Case manger again today and literally cried when she told me the underwriters are still reviewing my application and no decision has been made for a modification. I am now 6 months ( {$6000.00} ) behind. 

She also mentioned today that I can begin making single/individual payments only AFTER I pay the {$6000.00}. I would still be in a position to be considered for a modification. 

I was also informed by my case manager that in a FEW more days, next Wednesday, XX/XX/XXXX that interest and late fees would start accruing to my XXXX and future payments along with negative reporting to the XXXX Credit Bureaus if I do not pay the {$6000.00}. I can only prevent these negatives if I can come up with {$6000.00} by next WEDNESDAY!!!! 


PLEASE HELP!!! I am in desperate need of {$6000.00} mortgage relief assistance. I have been in my home since XXXX, XXXX. I do not want to leave or go into foreclosure. Some how the XXXX XXXX that was designed to HELP has done the opposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the Branch of Armed Forces. I entered active duty on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Product: Debt collection

Following is the scam email. I do not have student loan debt. 

XXXX XXXX XXXX XXXX ( 16 minutes ago ) to me XXXX XXXX XXXX It's XXXX XXXX with the Student Loan Debt Department . This is regarding your case number XXXX. We tried to contact you at your home and did not hear back. Your StudentLoans have been flagged as possibly eligible for forgiveness under the new 2025 guidelines. Your file will remain open in my system for only one more day. Please give me a call on Monday at : ( XXXX ) XXXX, We can take your call between the hours of XXXX ( PST ) Monday-Friday. Thank you, - XXXX XXXX XXXX XXXX XXXX You opted in, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX, NM XXXX ... ... ... .. We're a marketing company. If you would like to reach the company mentioned, please dial the contact number listed above to be removed from marketing list. To do this, simply type the following URL in your browser : and enter your email as follows : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I called Citibank on XX/XX/year>, and XX/XX/year>, and was told by a supervisor Im unable to create an online banking account to review my credit card statements without my credit card number. I was told my : first name, middle name, last name, address, date of birth, social security number, including two-factor authentication with my email and phone number is not good enough to create an online banking account because it requires my credit card number. This is unfair. I dont keep my credit card on me XXXX. Citibank is prohibiting me from using online banking simply because I dont have my credit card number on me. Now Im forced to call Citibank each time to confirm if my last payment was received, and go through Citibanks horrible automated system. This is an unfair, deceptive, or abusive act or practice. I now regret having a Citibank account. The way Citibank treats its customers is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. Someone took over my Expierian boost account and opened up several credit cards and bank accounts in my name which I then had to put a freeze on my credit. I have called Experian multiple times to try and get this resolved yet they are no help at all. I'm at a loss because once my credit freeze is up the person who has access to my personal information is going to be able to open up accounts in my name again. I just want everything to be changed back to my information.
Product: Debt collection

I purchase a vacuum with XXXX  through PCI and have not finished paying for it during my hard ship. I purchased 1 vacuum on my credit theres 2 accounts for each XXXX I called PCI and was told that it was charged off. Why is it still on my credit as XXXX amounts in sum of XXXX. This PCI company is a scam with XXXX XXXX cleaners. I was told I sell XXXX vacuum and do my demos i would get free. I never received anything free. Not even a fragrance. I was supposed to get mop set, shampoo set free along fragrance and trip. I received my trip through mail after the first was lost in mail So claim. My trip papers came in as expired. Now Im stuck with vaccum I did all my sells and demos along with this on my credit TWICE!! This is not acceptable and not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow  reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

I have attached a police report, FTC Identity theft, and Affidavit.
Product: Debt collection

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month from XX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
https : XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 

If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XX/XX/XXXX I do n't want to get any more collection notices/legal actions on me from any of these creditors.As, it was no fault of mine. 
CITI BANK ( 3 Credit Cards )
Product: Credit reporting

Transunion continues to report inaccurate information my credit report even after sending them supporting documents. 
For some reason Transunion did not remove it. I 'm a little confused here. How is it that the other XXXX bureaus removed the inaccurate information and Transunion did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other XXXX bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate.
Product: Credit card or prepaid card

Jpmchase Amazon Visa card. Chase said my account was audited, needed copy of dr lic & SS #. I photocopied both, went to a branch, they faxed it 3weeks ago. I called to make sure it was received, it was received. Chase closed my card anyway. Ive called & spoke with many ppl, had to resend photocopies and a w9 form. Was told card would be reopened quickly. It has not. I feel Chase had no right to close card.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

Leased Nissan XXXX XXXX  purchased Extended Wear and Tear Protection which covered all damages after lease return. I was charged for the Wear and Tear years later. I submitted proof of my contract. Nissan has stated it never received the check from the Wear and Tear Warranty. XXXX XXXX stated it did not receive an invoice from the Dealership. ( XXXX XXXX XXXX XXXX  ) Years ago, Dealership claimed they did submit. Nissan Dealership no longer has my records. As I have submitted proof of my warranty purchase, it was NOT my responsibility to send the invoice to the company. After 7 years, I have requested this charge be removed as it has never been in default from my responsibility.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that you are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing a complaint against Experian in regards to their previous investigation on my consumer report. Lately I have noticed several accounts thats reporting to my consumer report in which i am unaware of who these creditors are and how they got my personal information. After asking Experian to investigate these accounts they replied " verified '' in which these accounts don't even belong to me. The creditors reporting never had my consent to purchase my personal information nor did they have permission to report this to any credit reporting agency. I am aware that I have a right to privacy in which I believe my right was violated. These negative accounts are affecting my ability to obtain housing and necessary essentials for the day to day living. After asking them to very this account they never provided any documentation, agreements or signatures that have my approval. It is their duty to do what's fair and equitable to their consumers in which this isn't fair. Any information that's either inaccurate or non verifiable should be removed from my consumer report immediately. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$1400.00}
Product: Credit card or prepaid card

In XX/XX/2021, I paid off my entire Chase XXXX Credit card. The next month I received a bill for the interest due on the previous month 's balance which was {$77.00}. I made a payment of {$60.00}. I was told today that the payment I later made in XXXX of {$50.00} was insufficient and that I should have paid the amount of the interest which was {$77.00}. When I called today to find out why the minimum amount due on such a small balance of about {$200.00} was so high ( {$77.00} ), I was informed that the entire amount of the interest was the minimum amount due. 

I feel this is a deceptive practice. I had paid off my entire balance in XXXX of several thousands of dollars. The entire amount of the interest should not have been the minimum amount due in the next month. This I feel is a form of retribution for me paying off an extremely high credit card balance with extremely high interest being charged each month when I had requested a lower interest rate given the fact that I had been a long-time customer of Chase Bank . Due to their data breach my personal data has been exposed to the " dark web '' ; one would think they would have a bit more compassion for their customers instead of demanding a scam-like minimum payment. 

On top of everything, when I called Chase Bank today around XXXX pm XXXX, and requested a supervisor, I was met with a very disrespectful attitude by a representative named " XXXX '' who was quite condescending in reference to my questions. When I asked to speak to his supervisor he told me there was no other representative XXXX asked the name of his supervisor he informed me that his name was " XXXX '', no last name. 

XXXX needs to make amends for exposing customers data to the dark web but instead it charges us exorbitant interest which, to me, is bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX