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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$920.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid this account in full and it showing negative on my credit report XXXX XXXX has been paid in full I already submitted a dispute and also a complaint XX/XX/year>
Product: Credit reporting or other personal consumer reports

I just checked my credit report for the first time in 3 years and have had an outstanding balance of {$80.00} with XXXX XXXXXXXX XXXX since 2022. 

I did not receive a bill, to my knowledge, for this amount in the mail, or by e-mail ( the company has both addresses ). As soon as I saw it I paid it off ; all of my other accounts are in good standing. I would like to have the delinquent reporting removed, as I was unaware of this balance, and it is affecting my credit. 

I pad it off with XXXX XXXX XXXXXXXX as soon as I saw on my credit report : confirmation number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and XXXX, XXXX, and Transunion is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I took out a loan in XXXX  with fig loans. It had four payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, XXXX XXXX and XXXX XXXX to dispute this. When they investigated it fig loans continued to verify that I was past due and did not make the last payment. I have disputed this directly with big loans as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident. I want this investigated asap.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I entered into a disaster forbearance, due to a storm in XXXX. Prior to the forbearance ended, I called on XX/XX/XXXX to apply for resolution to the forbearance. I was told the process was an application, which I completed over the phone. On XX/XX/XXXX, I called back and was told I was put into another forbearance. I asked that I be reevaluated for other programs. I again did an application over the phone. I was assured that I was in loss mitigation and that my credit report would not be affected during this process. I called again on XX/XX/XXXX for a status update, I was told the application that was supposed to be done on XX/XX/XXXX was not done and I had to do another one, which I did. On XX/XX/XXXX, this same thing happened again ; again on XX/XX/XXXX I went through the same process again after I received approval for the Stand Alone Partial Claim twice, and it was not honored either time. On XX/XX/XXXX, I called after returning the acceptance of the Partial Claim and was told I was put back in a forbearance. Each time I spoke with my mortgage company I asked about my credit and was assured that I would not be affected because I was in this process. On XX/XX/XXXX, I called after finding out that it has been reported that I was delinquent on my credit report and was on hold for one hour and 15 minutes for a supervisor, the supervisor answered and put me back on hold. I was then told that she would get back to me within 48hrs. I have not received a call back to date. My credit is still affected and my issue with the forbearance remains.
Product: Debt collection

XXXX XXXX XXXX XXXX hired conserv to retrieve the overdrawn checking account balance of XXXX dollars I had with them. This company, conserv calls me multiple times a day and with different numbers. they even call late at nights as well. I am a disable XXXX  with so many health issues that I can't deal with it and being on so many medications that I can barely function. XXXXXXXX XXXX also refuses to refund me the XXXX dollars and XXXX dollars I paid them on the XXXX of XXXX, XXXX. Each time I call, they said they can't do anything for me. I contacted my local state congressman already. I also plan to get the state attorney general 's office involved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent to TransUnion XXXX XXXX Assistance Department documents pertaining to me being a victim of identity theft. The information was received and sign for on XX/XX/2022. I sent the following : XXXX ) A copy of my credit I received from TransUnion with the fraudulent item circled. 
- XXXX XXXX XXXX XXXX # XXXX XXXX ) A copy of my Identity Theft Report, Passport and Utility bill. 
XXXX ) A copy of 605B of the Fair Credit Reporting Act, which requires TransUnion to block the fraudulent information on my report resulting in Identity theft within four business days and to promptly notify the furnishers of that information. 

Yet as of XX/XX/2022 TransUnion has done nothing about the Identity Theft Information that was sent to them and continues to report this fraudulent and inaccurate information to my credit report ( XXXX XXXX XXXX XXXX  # XXXX ) which violates my rights. Also in Accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX CA XXXX, has violated my rights. 15 U.S.C 1681 Section A States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written Instructions. I never gave written instructions for this fraudulent account. Please remove this account immediately!!! 

Attached is all the Identity theft information that was sent on XX/XX/2022 to Trans Union with proof of receipt
Product: Checking or savings account

On XXXX XXXX I opened a bank account with Truist under the promotion of receiving {$400.00} if I received {$1000.00} in deposits or credits within 120 days. I quickly accomplished this and when I called to inquire they said it would take about XXXX weeks to process. I waited that time length and tried calling again and now no one can give me an answer as to why I haven't received it or how to receive it. I've asked to be transferred to a department that deals with promotions or account bonuses and no one could give me an answer. I asked for an email or official message stating that I attempted to figure this out with them and they said they didn't have the resources to do that. After doing research online this seems like a common problem for people and borders on false advertising, and coming from a banking institution you would expect transparency.
Product: Debt collection

I received an alert form XXXX on XX/XX/year> that someone reported a collection account. Upon calling the company they said they had the wrong address and refused to notify me XXXX days in advance of reporting a collection account in accordance with Federal Law.
Product: Debt collection

A person from Improved Data Services contacted our phone today, XX/XX/2018 and my son answered. He said he was in Arbitration and his name is XXXX XXXX and he said they are from IDS which through research we found was Improved Data Services, and my son asked who they were and questions and he told my son that if I or he did not pay my debt by XXXX today, he was going to serve papers to me through our county court house this afternoon. My son became defensive and told him that it was illegal to say such things on the phone and when my son kept asking questions in who they were and what this was about, he began yelling at my son to not interrupt him and when my son was persistent with questions, the gentleman from IDS hung up on my son. The number they called from is a ND number which is XXXX. 

Then a few minutes later my son received a call on his cell phone which is a CA cell number and the number came from a XXXX XXXX number XXXX. It was the same company and the same person, XXXX XXXX, asking for me again and my son said they were contacting the wrong number and when my son asked again what this was in regard to the person on the other line became defensive and then said we already spoke with you earlier and hung up. 

They then continued to call our landline throughout the afternoon and my son would answer and they continued to ask various questions and phish for information. My daughter said she was receiving strange calls today as well from these numbers. 

We are reporting this to you and to our Attorney General for the reason that receiving calls as this and to be threatened with lawsuits if we do not pay a sum by XXXX today over the phone and to be screamed at over the phone not to interrupt when we are asking questions about who they are we felt needed to be reported. 

( reference number provided XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit card or prepaid card

In XX/XX/XXXX, I used my XXXX XXXX XXXX card to make a {$19.00} purchase. The {$19.00} balance was paid on time, in full and I received confirmation on XX/XX/XXXX from XXXXXXXX XXXX the cards issuer. 

In XX/XX/XXXX, the card issuer switched from XXXX to Barclays. Barclays automatically issued me a new XXXX XXXX XXXX, which I did NOT activate. 

On XX/XX/XXXX, I received a past due notice from Barclays bank indicating a {$25.00} balance event though I had never used the card. 

Notification of a negative event on my credit report prompted me to follow up with Barclay 's bank on XX/XX/XXXX. By this time, the credit card balance was {$52.00}. I called Barclay 's bank to inquire about the charge, have the charge and all fees removed and request that the bank remove the negative events from my credit report. The Barclays representative confirmed that I did not make a {$25.00} purchase, but " it appears '' that when the card issuer switched from XXXX to Barclays my {$19.00} payment was returned and I was then charged {$25.00}. ( I checked my accounts and do not have record of {$19.00} being returned ). The customer service representative was unable to waive the late fee that brought the balance up to {$52.00} and submitted it to her supervisor for approval. She said that Barclays would not be able to help to correct the negative events on my credit reports. 

Even though the {$52.00} balance was not due until XX/XX/XXXX, I paid it on the phone with the representative, in order to avoid additional fees and negative events on my credit report. However, on XX/XX/XXXX, I received notification that my credit reports were showing another negative event. Barclay 's bank had reported the {$52.00} payment " late '' and my score went down another XXXX points.
Product: Debt collection

I received a letter regarding a debt collection on XX/XX/2021 for XXXX XXXX XXXX for the amount of {$370.00}. I have no regards to this information so I paid it no attention at this time. I received a statement on my credit alert that a collection was noted on my report. I immediately wrote a dispute letter on XX/XX/2021, due to I have nothing to do with this and have been a victim of fraud in the past and from this state which the complaint is coming from also, I'm supposed to have been serviced at I never lived there and can prove it. I did not open an account with this consumer and no nothing about it, also would like to have them removed it from my credit reports after I get an affidavit and notarized statement of this claim.
Product: Checking or savings account

I have not received my deposited check from my employer in my Capital One checking account on my pay date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     2018, a reported har d inquiry was pulled on my credit report. To my knowledge I had NOT giving this company consent to pull my credit. In requests I will like to see valid validation and signature consent for this company to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The major issue I discovered with respect to these documents is on page 4. 

It stated that I lived in XXXX XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. I did not live at these addresses. Could you please correct it? 

Now, two other things. 

1. What is the XXXX XXXX XXXX XXXX XXXX that is under my name? I believe the answer to this question, leads me to my final question. 

2. On page 5, please explain the " MISDEMEANORS '' heading. I am confused about this. Please, clarify this heading on page 4. 

That's all I have for now. Thanks for your time. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Per the Privacy Act of 1974 ( XXXX ) ( Experian ) ( XXXX ) ( Dept of ED/XXXX  ) has my private information and gives it out without my permission. They also report late payments, which is illegal. It is illegal to report transaction history. It is also a violation of the Privacy Act of 1974. In accordance with the Fair Credit Reporting Act ( XXXX, XXXX, Experian, and Dept of ED/XXXX  ) ) has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( XXXX, Experian, XXXX, Dept of ED/XXXX  ) can not furnish an account without my written instruction or permission. 15 USC 1666B, Timing of payments. Also, as a consumer per 15 US code 1681n : Civil liability for willful noncompliance, In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer because of the failure or {$1000.00} whichever is .greater. These accounts are also considered fraud, per 5 USC 554a. These Fraud accounts are listed below as well as listed on my FTC Report that I have provided, and attached with this cover letter. There should be no late payments reporting to any of my accounts, Transaction history is illegal to post to a credit report. 15 USC Code 1681b Permissible purpose of consumer reports. Per 15 U.S.Code 1681c- Requirements relating to information contained in company reports. No adverse item besides the conviction or crimes should be on your report. Any item that is a derogatory mark is not allowed into consumer reports ; this is another violation. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post- secondary school. 20 USC 1232g ( b ). 15 U.S. Code 1681 ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, XXXX, and Dept of EDXXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX I sent a letter to this agency announcing the errors it presents in my credit report negatively affecting my credit, so I kindly ask that this account be removed from my credit report.
Product: Mortgage

I paid for my home in full on a 20 year note. On the last payment I was told I still owe XXXX dollars. My mortgage was XXXX payments. Principle and interest fixed for 20 years. Now Chase bank never in the time I had them told me of a shortage in my payment amount. They even sent me a check for {$1800.00} dollars in XXXX. No fees on any statement. They claimed I had on my original mortgage an interest rate of 13.7 % day to day interest which I never heard of. Chase NEVER informed me of a shortage in my payments that would make them take the bulk of my principle for their interest portion. Chase benefited by me not knowing that all the principle I was paying was not going where I thought it was going. Chase allowed this money to accrue for 20 years. I requested a copy of my mortgage 3 times. They just ask me to hold on the phone and never come back. I even gave them my cell phone number if we get disconnected. Still no call back. My original mortgage was XX/XX/XXXX, loan maturity XX/XX/XXXX. If this interest rate was as they say, I would have changed it years ago. The interest was crazy. I wanted to pay it off, so I left it. I believed I had a FIXED rate. The bank is trying to extend my payment maturity date. I signed up for 20 years only.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

accounts have been open in my name that i did not apply for and inquiries to my credit have been made that i did not request
Product: Debt collection

Experian XXXX XXXX XXXX, XXXX TX XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B Dear Sir/Madam, I am writing to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block the following fraudulent information appearing on my consumer credit report. This information, which is the result of identity theft and fraud, must be blocked within four business days of your receipt of this complaint. 
The fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX I Opened : XX/XX/year> Account Number : XXXX These accounts have resulted in fraudulent hard inquiries and collections being reported on my credit file. I have attached a list of the hard inquiries in question and a copy of my consumer XXXX credit report maintained by Experian, which includes the fraudulent accounts, collections, and inquiries mentioned above. 
I do not recognize any of these accounts, collections, or inquiries as legitimate. These items were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 
As proof, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # : XXXX ) which confirms that the accounts, collections, and inquiries in question are the result of identity theft. 

Fair Resolution Requested : I request that Experian block all of the fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), within four business days of receiving this complaint. Additionally, I ask that all written correspondence regarding this complaint be sent to me via email at XXXX. 
Thank you for your prompt attention to this matter. I look forward to confirmation that these items have been removed as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX - Attempted to understand Equifax 's TrustedID program vs. the current Equifax 3-n-1 credit monitoring program that I have been enrolled in for several years. The 3-n-1 program provides text and email alerts when a credit card 's balance changes substantively to alert me. This is valuable as it allows me to confirm changes and respond accordingly. 

That same alert process is seemingly unavailable in TrustedID, and customer service can not explain why well enough to help me out. Very unfriendly and unable to help. So, what I do not know is whether to continue with the 3-n-1 program, which I pay for, or assume that TrustedID is the replacement solution that Equifax offers for free given the security breach that occurred. 

Very unhappy.