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

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I contacted Experian in XXXX of 2017 about items on my credit report. 
2. According to federal law, credit reporting agencies ( Experian ) must verify with the original documents that debts belong to me. 
3. I asked Experian via four different letters to verify my accounts with original documentation. They have not provided original documentation to verify accounts. 
4. Experian has not followed federal law and has not removed negative items from my credit report.
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.

15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Mortgage

I am currently in the process of refinancing my home mortgage, after the application process we were advised an appraiser was selected by the loan servicer it resulted in a low appraisal based on unrepresentative comparable properties used with several clerical errors cited in the appraisals were addressed to the loan officer. The loan officer with US Bank only stated that appraisals are iron clad and will not change rather than reviewing the valid errors presented or advising of any recourse for the process of a challenge. I emailed the loan officer on XXXX/XXXX/2016 a detailed appraisal challenge and ask that he submit the information to the appraisers office XXXX Since there was no response from the loan officer I made several attempts to reach him leaving voice mails on separate occasions until I made several follow up calls to his superior with messages left then the loan officer accepted my call after advising the operator that I would have to cancel my loan since there were no responses from the loan officer or his supervisor on XXXX/XXXX/2016. He began to repeat that the appraisals can not be changed yet when asked about the challenge I submitted on XXXX/XXXX/2016 he revealed he did not read the email and that he did receive it, I informed him I would like to have the information reviewed by the appraisers office and he advised he will submit it to his manager. The manager called me on XXXX/XXXX/2016 XXXX and requested XXXX XXXX for the suggested comparable properties in the appraisal challenge which was scanned and emailed XXXX/XXXX/2016. The manager then emailed asking for properties that were XXXX miles from the property with the report shows was the closest property in proximity to the subject property however all of the comparable properties used had an incorrect distance to the subject property. The XXXX suggested comps are exactly the same distance as XXXX of the properties used in the report so I requested that they be used since the appraiser used properties in the immediate area. There was no further response. I would just like a fair and accurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021, the XXXX XXXX company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the XXXX company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every penny mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

The collection agency has used deceptive practices by serving me at an address that they knew that I did not reside at because they pulled my credit. I also did not know that this company won in court a default judgment in which I had a judge vacate because I was never properly served. 

I also sent a letter to validate the debt not knowing that I had even lost a case with USPS tracking number XXXX that clearly states on my return information that my address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX. They replied to my parent 's address. The only reason I found out was my dad had XXXX on XX/XX/2019 and I went home to help him with his recovery and that's when I went to court to get a motion to vacate. 

This company practices deceptive practices and should be punished for its willful violation of the FDCPA.
Product: Credit reporting

Experian continues to report a judgement for a business account on my consumer credit report. This account was opened under my Federal ID Number ( see attached ), and I did not guarantee that it would be paid. Reporting this account to my consumer credit report is improper, and distorts my true consumer credit score. It has prevented me from getting credit on a number of occasions, and continues to scar my credit. 

The fact that the judgement was a business account and not guaranteed prohibits Experian from reporting it to my personal credit report. Yet, after three plus years of appealing to them to remove it, they have continued to violate my consumer rights by reporting inaccurate information on my report. The damage that it has/is doing must be rectified, now.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ) I ask that the accounts listed below be moved because its clear violation of the fair credit reporting Act section 15 U.S. code 1681i - procedure in the case of Disputing accuracy. I ask that the accounts and inquiries be investigated thoroughly as a result removed from my credit report.
Product: Credit reporting

it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v TRANSUNION, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both XXXX and experian both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain technology has been incorrectly reporting to XXXX for several months now that I am not only over 120 days but that I owe them {$160.00}. This account was paid in FULL in XXXX of this year. They are stating that they submitted a manual update to XXXX on XX/XX/ but as of today XXXX is still reporting money owed. This has impacted me negatively Grain technology refuses to correct the problem as they have already updated the information and have advised me that I need to correct the problem myself. Credit bureaus report information furnished to them as its furnished to them so if they are reporting false information thats because thats what they have. Also credit bureaus dont accept information from consumers but from creditors, collection agencies, etc. so my only option at this point is to wait for it to age off my report and be removed at that time. I thought by law information had to be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company double charged me and now are attacking my credit with past due every month hurting my credit score. Also, I told them I was laid off for Covid and they still keep hitting my credit score every month. I even went so far as to say put it on the back of the loan and stop hitting my credit score every month.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 me 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 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. 


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

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

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

Delete the late payments from my consumer reports
Product: Debt collection

In checking my credit report as I do every week, I noticed XXXX XXXX had listed a negative report from Enhanced Recovery Company. The creditor name is XXXX XXXX XXXX, account open XXXX, stated open 2 mos & reported XX/XX/XXXX for amt. {$100.00}. I have NOT opened an account with such named companies & I do NOT know who they are. 
XXXX XXXX repeatedly makes messy errors on my credit report & refuses to correct it when I request it! How can you open an account XXXX XXXX XXXX XXXX show it is open for XXXX mos the beginning in XXXX? The way I pay my bills I would NOT allow anything to destroy my excellent credit! NOTHING reported on my credit report is correct! My credit score should be much higher. I have not applied nor had I opened any accounts this year. Please remove. XXXX XXXX needs to respect my request from a year ago & remove those inquiries. Some inquires are listed more than once. Enhanced need to stop calling me and remove that erroneous account from my credit report. A 34 point drop in my score is horrifying!!!! Thanks, XXXX XXXX XXXX
Product: Checking or savings account

My complaint is in regards to a check that was issued that was fraudulently cashed twice. 

I issued a check in the amount of {$97.00} dated XX/XX/2021 to my gardener, XXXX XXXX. This check was cashed on XX/XX/2021. It is check # XXXX. 

Then, a withdrawal was posted to my account on XX/XX/2021 for {$970.00}. The check # was also # XXXX. The date was changed to XX/XX/2021. The payee was written as XXXX XXXX. I do not know who this individual is. The signature was altered. 

It is very evident that this is fraudulent activity & I am unsure of why CitiBank is taking so long to resolve this issue. CitiBank made the mistake here by allowing a check to be cashed twice with different sums, different signatures, & different payees. Even though it is Citi Bank 's fault, they forced me to open a new bank account. If the mistake was made by the bank, why do I have to make a new account? I did it but it caused me great headache because I had to change the account with the services that I have been auto-paying. As of today, I have sent a few emails to the bank but they do not respond at all & they have not refunded the sum that they have mistakenly cashed. 

I am asking for your involvement please in order to settle this case.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of outdated and inaccurate student loan information from my credit report. Upon review of my credit report, I noticed that some of the accounts related to my student loans, which were forgiven in XX/XX/year>, remain listed. Additionally, there are student loan accounts that were closed over seven years ago and should no longer appear on my report as per the Fair Credit Reporting Act ( FCRA ). 

The details of my request are as follows : Forgiven Student Loans : My student loans were officially forgiven in XX/XX/year> under [ specific program or initiative ]. Since these accounts are no longer active and have been deemed forgiven, I kindly request their removal from my credit report to ensure accuracy and compliance. 

In addition to Closed Student Loan Accounts, I'd like to also request any bank loan accounts Over Seven Years Old in collections to be removed : There are accounts listed on my credit report that should be closed as they were opened over seven years ago. Per FCRA regulations, such accounts should be removed as they are beyond the statutory reporting time frame. 

Please consider this letter as my official dispute regarding these accounts. To assist in your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to address the presence of accounts in my credit history that do not show any monthly history. These accounts, lacking a record of regular activity, may not accurately reflect my creditworthiness and financial responsibility. It is important to note that the absence of monthly history does not imply any negative or delinquent behavior on my part.
Product: Credit card or prepaid card

I tried to close my PayPal Credit account. On their website, there was a message that said to call XXXX to do so. When I called ( about an American account ), an XXXX woman was the rep and asked me for my full name and SSN. I gave it to her. She then told me I was nowhere to be found. That is impossible. Even with my full name and SSN she could not find me. We ended the call. I then searched on XXXX and found that this has happened to many others. I believe it's an XXXX scam to get our name and SSN and fraud us. Please help. Please find out who's behind that phone number and shut them down. I am worried that something will happen with my SSN now.
Product: Bank account or service

Overnight on XXXX/XXXX/16, my Santander checking account received multiple " hits '' from an unknown source in XXXX XXXX, XXXX. Most were duplicate, repetitive charges which now total more than {$3000.00} on my account. As of this morning, my account is overdrawn - {$1400.00} and growing. I contacted the bank at XXXX this morning to advise them of the fraudulent charges, and my ATM was cancelled. I was then told that the money would stay OUT of my available funds, leaving me overdrawn and without money, until such a time as the vendor requested payment and they " post '' to my account. I 'm supposed to check my account daily, contact them when these charges " post '', and open a claim to have each charge reversed which can take 7-10 days for a provisional credit. For now, my money remains in some limbo account belonging only to Santander. The vendor does n't have it but has up to 30 days to request payment. I ca n't have it, even though the bank LP advised me that the charges are clearly fraudulent. Even when I see it post, I have to wait to have it reversed and made available. My money - clearly part of international hacking/theft - is being held by Santander and not being made available to me even though this was clearly a theft. I have asked that all charges, pending to XXXX XXXX, be noted as " void '' and all my funds be made available to me, but have been advised that it is not their bank policy. I desperately need intervention to move the needle on this chess match. If the vendor holds these pending charges and does n't post them for days or weeks, I may be without appropriate resolution for weeks. Please provide assistance immediately.