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

See attachment Other Inquires I didn't authorize XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX  XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXXXXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : Experian has violated my rights as a consumer by not providing me with a timely update on an existing complaint for the accuracy of information on my credit file. 

XXXX has far exceeded 30 days to complete the investigation, as per the Fair Credit Reporting Act section XXXX ( a ) ( XXXX ) ( A ). 

I have attached additional letters to show the date my original request was sent in XXXX. Their reply was to provide information from a year ago. 

Also, the notice below pertains to the claim I submitted in XXXX, against Experian was to get them to remove XXXX Bank due to the information on my file is not accurate for dates, payments not being reported, and confirmation that I as the consumer have done above and beyond my due diligence to remove this inaccurate account from my credit file. 

The current COMPLAINT ID XXXX was SUBMITTED ON XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me as thirty days late for the months of XXXX and XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the XXXX bureaus which reflected it correctly for two days in XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly! Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!
Product: Mortgage

# 1 Bank Name XXXX sold out but have title to home, And rolled over to a new Bank name Of Green Tree # 2 Bank name Change out to new name to Ditech I have pay very High interests Rate 8.99 % maybe to much
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was used without my permission to open fraudulent accounts and unknown residenal addresses. 

Experian XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX Acc # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Did not inform me I could dispute the validity of this account reporting on credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Nationstar Mortgage company paid another client 's mortgage insurance out of our escrow account in XX/XX/XXXX in the amount of {$5300.00}. We had not realized the error until XX/XX/XXXX when we were notified from XXXX that our insurance had not been paid. Our insurance payment is {$3800.00}. I contacted Nationstar and was informed that an error was made. Our insurance was then paid by them but the {$5300.00} was never replaced in our escrow as we are told it ca n't be until they receive money from the client that they paid the insurance. They are unable to contact the client and therefore say our money ca n't be replaced. I keep being assured after numerous phone calls it will be taken care of with no results. Yesterday an escrow analysis was posted to our account and states our monthly payment is going to be increased more than {$400.00} per month beginning XX/XX/XXXX ( due to their error ). 
They fully admit they made a mistake - we were told the other client 's name was vaguely similar and had an account with them - but does not pay insurance out of escrow - so they are sorry but they have to get money from them. 
I have spent hours on the phone since XX/XX/XXXX and keep being told they are investigating the error - but have not credited our escrow which now is in a negative balance. I feel our escrow money has been fraudulently compromised and needs to be replaced immediately.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX ) XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX ) Balance : {$670.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I lost my wallet and all of its contents inside of a bar in XXXX XXXX. I filed a police report and closed all of my accounts, I also had to replace my credit cards and state issued drivers license. Somehow my mobile was also hacked and passwords were breached. Ever since I have been dealing with identity theft. Under the Fair Credit Reporting act 15 usc 1681 furnishers must investigate disputes received from credit reporting agencies and shall correct them. At this time I am exercising my rights under the FCRA to have all fraudulent accounts listed blocked and deleted immediately.
Product: Debt collection

I had a lease in a property in XXXX XXXX. Because I was struggling to pay my lease when my hours we cut, the landlord offered me a solution of leaving the property and just paying what I owed as far as past due rent, however when I moved out of the house, the management company continued to charge me for future rent, even though I was not living at the property. They also charged me for a ridiculous amount of things in the house of regarding some repairs repairs that were not correct. In fact, I left the property in better way condition than when I took it. I remodeled the entire house and had it professionally painted as well. I also hired a professional company to clean it when I moved out. I called the management company several times and asked them to send me the itemized items that were supposedly due by me and they never responded. I asked for the telephone calls between me and the landlords attorneys and the court files to prove that I did not owe all that the money but nothing was sent. They said I They reported The false amount owed on my credit report making it very difficult for me to obtain any new credit and my XXXX XXXX was effected greatly because of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX- XXXX INQUIRIES : XXXX  XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1666b under timing of payments, it states that a creditor can not treat a payment on a credit card account under and open end consumer credit plan as late for any reason. I have called and sent letters to to both XXXX XXXX XXXX  and XXXX XXXX XXXX of the law. I was advised by both XXXX XXXX XXXX  and XXXX XXXX XXXX advised me that by LAW they are not allowed to remove any late payments. I called XXXX at XXXX and spoke to XXXX XX/XX/2022 she advised me that they are not governed by the CFPB laws and do not have to comply. I called Equifax and spoke to XXXX on the XX/XX/2022 and he said that Equifax can not remove the information without the consent of the original Creditor. I am the original creditor. I extended my credit through my open ended credit card ( what is normally call the social security card ). I quoted the law and I was advised that of the law and still will not remove the illegal information. I explained the same to XXXX and advised them that facilitating the posting of my information know the law is illegal and that they are opening themselves up for a lawsuit. I was told take my best shot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than one of all 3 bureaus XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  I, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

I had an unauthorized purchase made on my Discover credit card in XX/XX/2019. I always pay my statements in full. I did not realize there was a fraudulent charge until I was getting my tax information together. The charge was {$1100.00} for a seminar in California. I live in SC and I have never traveled to California nor has my husband. 
My husband was using the card to buy materials for his XXXXXXXX XXXX at the time of the unauthorized purchase. I did not look at my statement at the time and paid the card off in full. As soon as I discovered the charge, I contacted Discover card and they credited my account. Two months later, Discover card added the charge back. I have tried talking to the fraud department many times and they will not dismiss the charge. 
They act like I'm lying about it. I have no reason to attend a seminar nor does my husband. Discover card is trying to sue me for someone else 's fraudulent activity.
Product: Debt collection

Recieved a call from gccollection XXXX This wasn't my first call from this number they had called in the past asking if I were myself. At an address in XXXX. Which I don't live in XXXX so I ignored them. This time around I recalled my car was registered in XXXX so it might be somthing I should ask them about. 

The lady on the phone gave me my actual account number to my XXXX  XXXX  account, an address listed under a car I own in XXXX utah, and 2 dates that match a time were i had actually owed XXXX  XXXX. 
She also gave me a subscriber #, and amount owed. Apoun calling XXXX  XXXX I was told I don't owe any money on XXXX  XXXX, and that this must be fraud. 
The email, and number I was given to contact this company back to pay the supposed debt is XXXX XXXX XXXX
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES ( JUNK DEBT BUYER ) PURCHASED AND ILLEGALLY REAGED A FRAUDULENT DEBT XXXX ( ORIGINAL XXXX PERPETRATOR XXXX XXXX IN MY NAME AND REPORTED ON MY CREDIT REPORT TO MALICIOUSLY CAUSE GREAT HARM TO ME. ACCORDING TO PREVIOUS RECORDS OF MY THE ORIGINAL FRAUDULENT ACCOUNT WAS REMOVED FROM MY REPORT MORE THAN FOURS AGO. THE CORRESPONDING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS DEEMED AN ADDRESS THAT WAS FRAUDULENTLY USED IN MY NAME WHICH PORTFOLIO RECOVERY ASSOCIATES SUPPLIED TO THE CREDIT BUREAUS WHICH IS ANOTHER VIOLATIONS OF MY RIGHTS ACCORDING TO FCRA AND fair debt collection practices act AS WELL. THE YEAR OF OCCURRENCE AND CLOSURE OF SAID FRAUDULENT ACCOUNT WAS XXXX WHICH PUTS IN QUESTION HOW THIS ACCOUNT REFLECTS A NEWLY START DATE OF XX/XX/XXXX WHICH I ONCE AGAIN REPEAT IS A ILLEGAL RE-AGING OF THE FRAUDULENT ACCOUNT. I DONT OWE THE BS COMPANY ANYTHING
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1600.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XXXX XXXX, 2018 Balance : {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XXXX XXXX, 2018 Balance : {$1600.00}.
Product: Credit card

This account has been charged off by the company. I'd like to have a copy of the 1099-C so I can file it with my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please remove account which does not below to me or any transaction made by me.
Product: Credit card or prepaid card

my credit card company capital one has been charging my account monthly interest rate, which should be included in my monthly payment plus am being charged a monthly purchase charges in witch they will charge my credit card directly. this is total Froud. 
XX/XX/XXXX XXXX XX/XX/XXXX {$5300.00} XX/XX/XXXX {$3900.00} XXXX {$3400.00}
Product: Mortgage

I requested a XXXX month payment history and it has not been processed yet. I am refinancing my loan through a VA lender and they required the information by XXXX XXXX. The request was made XXXX XXXX
Product: Credit card or prepaid card

I won two e-rewards ( XXXX ) cards on XX/XX/XXXX. Each card was {$50.00}. On XXXX XXXX I spent {$48.00} on one card. Today ( XXXX XXXX ) I learned that my card, the one I did not use had fees ( {$12.00} ) because of lack of use. 

I learned the other card - The one I used in XX/XX/XXXX had a XXXX balance. 

After a long call with the customer service agent. I was told the fees can not be reversed. No where on the paperwork I have indicates a charge will occur due to lack of use. In fact the card has an expiration date of XX/XX/XXXX. I reviewed the website and under FAQ section it states " there are no fees ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sick with XXXX  and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?
Product: Checking or savings account

Money was stolen from my account after my ATM card was canceled due to fraudulent activity. Chime is refusing to refund it saying that there is " no error '' on their part. This has been an ongoing battle since the XXXX of XXXX causing me great stress and XXXX, along with several trips to the XXXX  with a XXXX XXXX  and several XXXX XXXX, which now require XXXX  XXXX for my jaw and medication for the XXXX
Product: Vehicle loan or lease

First let us talk about the response by Foursight Capital to you on this same issue in a prior complaint. 

They claimed that they had a problem reaching me by phone. XXXX XXXX XXXX XXXX cell phone number has not changed and I have never received a voicemail from them with any pertinent information. 

The stop payment was called in on XX/XX/2022 XXXX day before the payment was due, butthey had already processed the payment XXXX day before the due date, apparently so that they had it on the due date via theXX/XX/XXXXou can verify this date by contacting XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, because I was there on an appointment to call Foursight and get a pay -off of the loan ' Then they appear to clam that I had to make payments for XX/XX/XXXXmonths at XXXX percent and had no option to pay off the loan sooner, however in 2022 I got XXXXXXXX XXXX quotes as I went from refinancing the vehicle to sell off an investment and paying them off in cashiers check on XXXX XXXX in the amount of {$25000.00}. On XX/XX/2022 they showed the loan as closed on my credit report with a XXXX balance due, but have since claimed that I still owe for a late charge of {$410.00}, apparently for the payment due XX/XX/2022, when they were paid in full XXXX days prior. It is now in month XXXX after they reported the loan paid in full with a XXXX balance. Last week, I went to the Arizona XXXX office and asked about how to get a replacement title. The agent said if all else fails I can pay for a bonded title, but it is expensive, so she suggested I send them a Lein Release first, and so I did that via fax and explained that the return document had to have a wet ink signature, and suggested they return it in the prepaid and pre-addressed Priority Mail envelope that had accompanied the certified check in XXXX. The fax was received, and no XXXX XXXX has been received this week. 

They also admitted that they continued to process the auto pay payments for XXXX more months, until XXXX of 2022, and were applying the payments first to the unapaid late charges and NSF fees created by the failure to stop the auto payment in XXXX, thereby leaving me to pay the charges they created when I paid off the truck in XXXX. Most of the charges were therefore illegal because they were churning a checking account that had been blocked by the bank.