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

Experian is in violation of consumer rights by reporting a fraudulent account on my credit report. I do not recognize the account listed below and request it be removed from my credit report. 

XXXX XXXX XXXX Date opened was XX/XX/2016 Account Balance {$9800.00} The account listed is fraudulent and unverifiable. I am requesting it be permanently deleted from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Statements on these credit files I have requested for them to be removed along with the fraud alerts from my credit file in XXXX XXXX with XXXX, XXXX and Equifax. and they have never been removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING ANACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT XXXX XXXX XXXX XXXX INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX XXXX XXXX DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

Equifax : XXXX XXXX ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX CELLULAR XXXX
Product: Credit card

On XXXX and XXXX I called and confirmed that if I had made a payment by phone, the amount would be available for a out of country trip I was taking on XX/XX/XXXX. I was told by multiple agents that as long as the payment was made by XXXX XXXX, the funds would be available the next XXXX  at XXXX XXXX. With this in mind, I made the payment. On the XXXX  of XX/XX/XXXX, the funds were not available. I called and they informed me their procedure won't allow them to make the funds available until XX/XX/XXXX. At this point I had paid the {$600.00} payment and couldn't make other arrangements to use a card out of the country, leaving me without an option for our time in XXXX. These calls were recorded and serve as proof. These calls were made to avoid the situation I know find myself in. This has put me and my family in a tough spot financially but also will make it tough to do the things we wanted to do on the trip.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 credit cards have been paid off and personal loan, excellent payment history. Oldest account is XXXX credit established 2013. XXXX in XXXX. Upgrade XXXX $ paid off, as well. Score didn't increase as with other 2 agencies. Usage below 1 %. Please correct paid account and revise score for XXXX. 
XXXX and EQUIFAX both have 2 hard inquiries more than 2 yrs old. Should only be 1 hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my credit report i have submitted an investigation and they refuse to investigate they claimed it was verified with the US Bankruptcy court i have also attached a letter from the court stating they do not did not verify or validate any or anyone 's bankruptcy and yet they refuse to correct the error
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay XXXX XXXX powered by Experian every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX IS REPOTING AN ACCOUNT THAT IS INACCURATE. THE ACCOUNT HAS BEEN PAID IN FULL. THE REPORTING AGENCIES DO NOT HAVE PERMISSION TO EPORT THIS ACCOUNT.
Product: Credit card or prepaid card

Company does not send bills or any account notifications. 

Arbitrarily lock and restrict card usage when there is no balance owed. 

Customer service has hung up on me multiple times when calling to fix issues with the card, which is usually multiple times a month. The times that I have been on the phone with them they either barely speak english, or are extremely rude and unhelpful. 

Frequently, the company will take a balance payment and leave card locked for 2-3 weeks. Calling them has had the hold removed immediately every time. 

This company is predatory and needs to be dealt with for the protection of the people that the CFPB is obligated to protect.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

An Original Mortgage done in   XX/XX/XXXX  h as been CANCEL LED  XX/XX/XXXX . A load mo dification has been done on this mort gage  XX/XX/XXXX  for  a greater amount of sums included. I bear NO signature to this loan modification, as well as I was not aware of this being done, as I no longer resided at this address. Nationstar Mortgag e /    XXXX   XXXX   XXXX   did a loan modification on this and did not contact me in doing so. This is now on my Credit Report and I need the full amount of this unpaid balance taken off my credit. I did not sign or preform any act of modifying this mortgage. The amount is false and untrue of me owing. Once again, I bear no signature allowing this amount to be modified in my name. I need the amount of Mortgage shown on my credit removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX tried to contact the company on Equifax reporting agency Account # XXXX {$540.00} XXXX XXXX .I have not ever got anyone to answer my call nor call me back but XXXX and XXXX has erased the account because nothing shows the account is correct. thanks for looking at my case
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Mortgage

My mortgage payment goes through a company called SLS ( Specialized Loan Servicing ) and they have been making payments to my insurance company on my behalf after repeated requests to not do that. I have also been paying for my own insurance during this time so I am being billed twice. As a result I have had the payments that SLS made for me go into my escrow and it has increased my monthly payment tremendously to the point where I can't afford my payment. 

The real problem is that I have been on the phone with their customer support representatives and supervisors for countless hours trying to resolve it and I have been getting nothing but a run around. They don't ever return my calls from requests to speak to supervisors, they don't ever receive the letters that they ask me to send to be removed from escrow that I have sent in several times. And they never document anything we speak about for hours on end. 

I am getting nowhere with this company and I have no clue what to do next. If I make this payment I will not have enough money to live, and if I don't it will be reported that my payment is late and it will ruin my credit which I need very much. Can someone please assist me in having SLS cooperate with me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

XXXX setup a transfer ach from XXXX bank to Chime on XXXX. There were XXXX deposits coming through and I wasn't sure when another recurring payment was going through, so I arranged to have some extra left over in case it went through. 
I paid my rent through an online portal called XXXX. on XXXX The charge went through an hour before the deposit transfer settled and the rent payment was simply returned. 
I have " spot me '' overdraft, but it doesn't help if I can only use it with certain types of transactions. 
I am required to have my funds separated in different accounts for different kinds of uses, and have to consolidate them monthly, and I will be looking for a different bank. 
This all caused major problems with my landlord management company as they don't have patience for this type of thing. My punishment is that I'm barred from using the online payment portal for 3 months and have to pay {$85.00} in late fees for this one returned transaction.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I must emphasize that the required original creditor 's documentation has not been provided to me, as required by FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The absence of a consumer contract with my signature is notable. According to FCRA Section 611 ( 5 ) ( A ), you are obligated to " promptly DELETE all information which can not be verified. ''
Product: Mortgage

My name is not on this loan since 2005 but still on my credit report
Product: Debt collection

I am receiving repeated calls, voice messages, from " United Recovery Systems '' with the representative using the name " XXXX XXXX '' Calls come from XXXX and he wants me to return the call @ XXXX. 

I owe no one anything, have an XXXX FICO, my wife has an XXXX FICO ( Just checked on it ), and I want the calls to stop. I think he is just phishing. I think they are just robo calling and there is no underlying debt whatsoever. I am concerned that if I call back and attempt to talk to them I will reveal my real name and other info he currently does n't have -- nor should he. 

A quick XXXX Search of this company turns up many reports of abusive practices, including phishing. 

I wo n't return the call to him as I am quite certain he is engaged in some sort of shady ( Illegal ) practice. 

I just want the calls to stop.
Product: Vehicle loan or lease

I signed a loan from Credit Acceptance at XXXX XXXX ( XXXX Mi ) on XX/XX/2019. When I signed the loan they took a {$4000.00} down payment but charged it as credit on the loan application. I was told I can make this report if I feel the loan is fraudulent. The payment did not go towards my actual loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX may have made an inquiry on my Experian credit report, even though I had made no request for a card or credit. 

- When the loss or theft of personal information occurred or when the fraud ( s ) occurred : XXXX XX/XX/XXXX- How you discovered or learned of the theft : Experian reported to me that there had been a hard inquiry on my credit report. 

- Any known information about the perpetrator : Experian identified " XXXX XXXX XXXX '' - The names of creditors and account numbers involved in the theft - The filing date and case number : I filed a dispute with Experian XXXX XX/XX/XXXX. They indicate Report Number is : XXXX Investigation ID is : XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED? 



NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES. 



YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS. 

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$130.00}
Product: Debt collection

COLLECTION AGENCY VIOLATED " MEDICAL PRIVACY ACT " HIPAA '', AND FDCPA, FCRA, FCBA '' REPORTING ID FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH MEDICAL PROVIDER XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received collection notice dated XX/XX/2020. Tried to contact TSI Inc., no response, Collection Notice regarding a Creditor : XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. XXXX denied sending an account in my name to collections because I have never had nor do I have a XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting an inaccurate credit score for me on XX/XX/XXXX dropped-37 points everything is being paid and on time, all my other credit agencies are good. I checked on XXXX XXXX and also XXXX XXXX and saw it had been dropped by no fault of mine. I see on the news others have been impacted as well, falsely reporting.
Product: Credit reporting or other personal consumer reports

Didnt receive 1099c from syncb/ppc. They wrote off as a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccurate information in my credit report when I checked it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3credit bureaus must verify these items. It is not acceptable to disregard the verification of these reporting itemsas unreliable information without presenting any supporting documentation within the legally permitted time frame. My credit report lists the following itemsas needing to be looked into and fixed for inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. 
XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been attempting for several months to have these collections removed from my account that via Section 609, the bureaus can not prove are my accounts. Many of these collection agencies are not licensed and bonded to collect. These are fraudulently placed on my account and do not belong to me.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am filing a credit card complaint against Citibank I have been a Citi Credit card holder since I am a XXXX back in XXXX, I used citi credit cards for the past 15 years, never miss any payment. However, on XX/XX/XXXX, I found all my credit cards are closed without any notification. I called Citi support immediately for three times, get transferred from one team to another and none of them can give me any reason for my account closure. They also can not help me to redeem my {$2000.00} cashback I earned over the years Citibank did not provide any solid justifications on why they are closing my account. 
It didn't made any attempts to contact me for any information, but simply decided to close my account. This practice is unusual and does not conform with industry standards and procedures carried out by all other banks. 

I hereby share my experience here to alert any other consumers like me that might be dumped by Citibank and I regretted so much for applying my first credit card 15 years ago. 

Sincerely XXXX XXXX
Product: Checking or savings account

My cashapp checking account $ XXXX was fraudulently charged {$170.00} by eventbrite around XX/XX/year>. I disputed the charges and cashapp gave me the credit while they so called did an investigation. Then ext thing I know my account is in the negative - {$170.00}. I know cash app has a class action lawsuit and I would like this to be added.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Specifically, a fraudulent account has been opened in my name without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this account be immediately blocked and permanently deleted from my credit report. 
Below are the details of the fraudulent account : Fraudulent Account : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9400.00}