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

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I didn't say that the XXXX XXXX, XXXX XXXX, and XXXX  XXXX accounts weren't mine ; I confirmed that they are. However, the other accounts are not mine and need to be removed. I see that you failed to address this and follow my instructions. I specifically mentioned that XXXX, XXXX, and XXXX are not my accounts. I only have three accounts in total. I need you to do better and remove the incorrect accounts as soon as possible. 

XXXX had sent me a paper with an apology but still refused to take action by removing it. They mentioned they closed it because I reported it as fraudulent, but yet they refused to take responsibility. 

XXXX XXXX is not mine XXXX used my name all in XXXX XXXX, and I had never been there. I need that removed as well along with other fraudulent account Someone impersonating me on social media that I have a pending lawsuit going now and police reports following that insult XXXX refused to take responsibility as well. I need that removed asap. I've been fighting this since XXXX XXXX XXXX
Product: Debt collection

I noticed on my credit report a collection from H & R accounts for a hospital bill I contacted hospital since I had not gotten any treatment. They stated that I had nothing outstanding with them. 
I contacted H & R and turned out the hospital visit was not mine but i was the guarantor i requested copies of service ect as I had not received anything this was XX/XX/2022 Contacted them again on XX/XX/2022 and they stated they still don't have details to send me my credit dropped XXXX points due to this and I don't have any info to review
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Federal law states that the company that is reporting items on person consumer report has to provide validation of the debt company needs to provide me with the original contract signed by me which this company never had no form of communication of any please remove from my consumer report until you validate this debt belongs to me.company is in violation of the law 15USC 1681. 

Failure to respond satisfactory with deletion of the above account will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of character 2.Negligent Non-Compliance 3.Civil Liability 4.Mental Anquish 5.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil Liability for willful noncompliance ( 15 U.S.C 1681in
Product: Credit reporting or other personal consumer reports

Notice of Dispute : This is in reference to Account # XXXX ( UPSTA/XXXX ) Dear UPSTAXXXX The payment history of the account is inaccurate and inconsistently being reported on my XXXX and XXXX credit reports. XXXX is reporting a 30 day late payment back to back in XX/XX/year> & XX/XX/year>, While XXXX is reporting a 60 day late payment back to back in XX/XX/year> & XX/XX/year>. It is impossible to have a 30 day late payment or 60 day late payment in consecutive months, which negates all validity of what you are reporting. 
You as the furnisher of this information have verified the accounts as accurate on both my XXXX and XXXX credit report which is a violation of the FCRA. You have committed multiple violations of the FCRA, specifically 15 USC 1681s-2. You have reported information with actual knowledge of errors on my credit report by verifying this inconsistent and inaccurate information on XXXX and XXXX. I am NOT requesting a reinvestigation of this account I am demanding you comply with the FCRA and delete this inaccurate information from all credit reporting agencies immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to help me dispute some hard inquiries that are reporting on my credit that were unauthorized and affecting my score. They told me that I need to reach out to the creditors myself which I have already done and am unable to get any assistance that way. I need for the following Inquiries which were not authorized to be deleted immediately of of my Transunion credit file. 
XXXX  XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 Please have my credit file updated and these inquiries removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting Account closed paid in full on TransUnion, and also reporting Charge off on XXXX. They are also reporting different dates of last activity, and charge off after account is reported as closed.
Product: Checking or savings account

On XX/XX/XXXX a fraudulent transaction appeared on my Chase checking debit card. I called the bank on XX/XX/XXXX to dispute the {$820.00} taken out as cash back from my account in another city 3 hours away at a post office. I was given a temporary credit for the full amount, but on XX/XX/XXXX Chase ruled against me and says on XX/XX/XXXX they are reversing the money even though I spoke to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this matter and faxed evidence that proved I was in XXXX XXXX and never made this purchase. On XX/XX/XXXX I even had a letter from the post office where fraud happened faxed to them. The post office said they do not have chip card technology and even write me a letter stating this. Chase has previously said because my card had a chip, it must be me making this purchase and denied the reversal. Now, they are saying its because they had my pin. Which is it? Ive filed police reports, identity theft reports and postal inspection reports about this and Chase still wont help me.
Product: Credit card

I was an authorized user for a Chase credit card. I am not the owner. Chase put that this card is mine and I am responsible for it.
Product: Student loan

I submitted an employment certification form on XX/XX/2023. My PSLF payments have still not been updated. They say to allow for up to XXXX BUSINESS DAYS!!! to process. That is an unreasonable and undue amount of time to wait for payment counts to be updated. They should be updated within a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my cas
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXX 2014 be  removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went on my credit report to see what I could be eligible for and 3 hard inquiries were on my report I didn't recognize such as : XXXX XXXX XX/XX/XXXX Capital one bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I had called 2 credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC
Product: Student loan

On XX/XX/XXXX & XX/XX/year> I requested the full account number and routing number used in the transaction that resulted in 'Insufficient Funds '
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( 3 ) billion of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name. These fraudulent accounts consist of a personal auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a rental apartment/lease account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX on XX/XX/XXXX, a personal mobile phone account opened with XXXX on XX/XX/XXXX, a personal utility cable account opened with XXXX XXXX on XX/XX/XXXX and hard inquiries with XXXX XXXX XXXXXXXX on XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX  on XX/XX/XXXX, and with XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Debt collection

HAVARD ONCE AGAIN VIOLATED FCRA, FDCPA, TCPA. FAIL TO ADHERE TO THE COLLECTIO AFTER CEASE AND DESIST.ORDER OF SAID ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XXXX XXXX, 2020 XXXX XXXX XXXX ( XXXX ) granted a 90-forbearance due to covid 19 hardship. Reduction in hours, school closures, office shutting down etc. During the forbearance period starting on XXXX XXXX, 2020 ending XX/XX/2020 o payments were due. However Only XXXX XXXX 2020, XXXX XXXX XXXX, then reported to the 3 credit bureaus that my mortgage account ( which they no longer had ) was over 60 days past due. THIS IS NOT THE CASE, under the Federal guidelines, NO NEGATIVE REPORTING WAS TO BE DONE TO CREDIT AGENCIES DURING THE FORBEARANCE. ( from XXXX XXXX XXXX XXXX. 
I contacted XXXX, they told me they no longer have account information and would not take back the negative credit report. After several failed attempts with XXXX ( XXXX XXXX XXXX ) to fix my credit report, I then contacted Experian, and disputed this issues 3 times with them each time submitting documents that prove that XXXX fraudulently reported 60 days past due on my credit even though a forbearance was in place. I received a letter back on XX/XX/XXXX from XXXX admitted they reported incorrectly and would fix it, they never did. I supplied experian with these documents and now my credit report is even further damaged, it now shows incorrectly that I was 60 days past due on my XXXX  account in XXXX of 2020 even though i did not have that account open as of XXXX 2020. XXXX XXXX XXXX has broken federal guidelines during a forbearance and still as of today XXXX XXXX, 2020 has still NOT fixed my credit report.
Product: Payday loan, title loan, or personal loan

I borrowed {$600.00} from spotloan around XXXX time of XXXX. After receiving the {$600.00} from spotloan the interest went up tremendously and spotloan wanted me to the in XXXX months. Each month the payment was {$280.00} and when I asked the spotloan people they told me that the interest rate was 400 %. I asked how come that borrowed {$600.00} and now I have over {$2000.00} dollars for this loan?. There was no explanation what so ever. The money was taken from my account XXXX times and I didn't get any explanation, I stopped the payment because I believe that I have already paid. Please help to stop this kind of illegal practice from this company. 
I
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of this data breach and need these accounts deleted immediately.
Product: Debt collection

My Mother passed away after battling several illnesses including XXXX. As her Executor I have been made aware of a lien from XXXX for a debt they purchased from Chase. Thus far I have been unable to get anyone from plessler and pressler or XXXX to provide first hand knowledge of this debt and to prove it is not part of the recent CFPB XXXX Consent Order with Chase. Every communication has been strictly an effort to get the Estate to pay it without regard to my duty as the Executor.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 card

The XXXX stemming from this situation is tangible, affecting my XXXX quality and leaving me unsettled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian free credit report - was told to get a free report from Experian when looking for a place to rent. They have been charging my credit card {$21.00} every month for the past year without my consent or knowledge. I can not get anyone on the phone to cancel. Went to their website and find no where to cancel. Credit card company actually called me to ask me about possible fraudulent charges on my account and this is how I found out! I have a hold on my credit card so Experian can not make any future charges. I still want to cancel and get my money back
Product: Mortgage

Hi, my rental mortgage is held by Ditech ( formerly Green Tree ) and last month they included on my monthly statement an escrow payment of XXXX for forced insurance. I do not have an escrow account with Ditech and have paid my private insurance every year for the nine years of the mortgage. I called Ditech who said they did not receive my annual proof of insurance so I submitted it again. Within days I received from Ditech insurance an email stating they received my proof of insurance and they had updated my account. Several days later I reviewed my on-line statement and the escrow amount had not been removed. I have now called Ditech customer service five ( 5 ) times over three weeks and they have not been able to resolve this issue. I have been told they are escalating the matter and it would be resolved in 2-5 business days, I have been told it is being escalated and will be resolved in 5-7 business days and I have been told not to worry it will just be resolved. I had Ditech customer service phone conference with Ditech insurance where the insurance branch stated their " systems '' are showing our account is up to date but customer service stated they could not do anything since their systems still show our account has the escrow fees. I have spoken with three different supervisors who state the matter is being handled yet it never gets resolved. This morning I called to have a customer service person tell me that their policy changed as of a week ago and that supervisors no longer accept calls and can only call you back. So I hung up called right back and when I asked for a supervisor the lady immediately said " Of course please wait for the next available one '' and I indeed spoke with a supervisor. The supervisor listened, read my file and stated that she would escalate the matter and it should be resolved in 2 business days. So this journey is not over but I ca n't state how frustrating this has been and how scattered and disorganized Ditech has been.
Product: Bank account or service

On XXXX/XXXX/16 I called into Citibank to open a checking account with the promotional code for XXXX XXXX miles. I spoke with XXXX As part of the promotional fine print, I was to meet certain spending and billpay conditions. I met those, and can provide proof. Because I did not have any proof that the promo code was correctly applied to my account, I sent a secure message to Citi to confirm this on XX/XX/XXXX16. They replied, that they were unable to see the account application to determine if a promo code was applied, but that if it was, I would be eligible for the promotion. Therefore I continued to meet the requirements set forth and pay a monthly fee for this checking account, based on this response. When the miles were not credited to my account, I contacted Citi. On XX/XX/XXXX16, XXXX did confirm that a promotion code was attached to my account, but that I was n't targeted for this. Because citi was unable to provide me with this information back in XXXX, I continued forward, and only after they were to fulfill their end of the deal, did they provide me with information contradicting their earlier response.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.