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

HI CRA 's and CFPB, XXXX XXXX, XXXX, and XXXX XXXX. 

Listen, there are about 3 items listed on my credit report that i been deliberately working with both the original creditors and credit reporting agencies to validate. I've called and mailed out several verification and validation letters to them and i only get a simple pre-printed template response that it's being verified as accurate. Well, I can honestly tell you that it's not in compliance with the FCRA consumer laws because there are so many and multiple inaccuracies, inconsistent reporting, incomplete and misleading information. I even called each credit bureaus as well. This is a violation of my consumer rights and it's not in compliance and it's causing these accounts as shown in the attachment to illegally re-aged. remove them all effective today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX   XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX XXXX Bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of our credit report my wife and i noticed several items that were incorrect.We sent letters to the credit bureaus in XXXX2017 with a request to review our reports and investigate the items. We have received ZERO response. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Audit Corporation has knowingly and willingly allowed false reporting after several attempts to have the information review by just responding verified and not actually verifying the debt at all, this is a violation of the FCRA guaranteeing 100 % accurate reporting and neglecting its responsibilities to investigate I has had many hardship due to the choice made by XXXX XXXX who was my collection account specialist she treated me as if I was lying to her very rude and there will be a lawsuit following due to this account being reported in Error and not addressed by call the original creditor and verifying this {$1400.00} debt I had to remain homeless for some time because of this debt its being deleted but this company need to have some for of accountability.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern these items in my credit file are from unauthorized use of my Social Security number and card I did not authorize these accounts to be taken out in my name nor they relate to anything I did I am unaware of any of this please remove the information asap.. 
XXXX, XXXX & XXXX XXXX open XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} I included all the documents you asked for to verify my identity address
Product: Credit reporting or other personal consumer reports

The credit bureau is reporting an account from XXXX on my credit report that was never open, back on XX/XX/year> I requested that XXXX transfer my number from XXXX XXXX XXXX XXXX  declined the transfer because of a outstanding bill so I stayed with XXXX XXXX XXXX XXXX XXXX to cancel service request on XX/XX/year>, around XX/XX/year> XXXX start sending me harassing & threatening emails of service interruptions and 3rd party collection threats. I emailed XXXX XXXX XXXX 3 different times to tell them I did not have service or an account with them to please stop harassing me. The credit bureau says they verified the account as accurate without showing me a phone number associated with an account or a call history log, I even called XXXX XXXX back on XX/XX/year> to complain about the harassing emails I stayed on phone call 25 minutes with a representative of XXXX who assured me the problem would be taken care of and he would have his supervisor call me back which they never did. I will include copies of emails and screenshots of phone calls.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XX/XX/XXXXXXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XX/XX/XXXXXXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XX/XX/XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX  XXXX XXXX, and here are the details please delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXXXXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Debt collection

My spouse at the time, had a car accident and had recieved medical services from a XXXX XXXX XXXX XXXX. In XX/XX/2013 XXXX XXXX XXXX placed a collection notice in my name on the 3 credit reporting agencies. I disputed what was in my credit report with XXXX but they said they investigated it within 10 days and said their reporting was accurate and provided no information to prove their decision even after I informed them the debt was not mine.
Product: Credit reporting or other personal consumer reports

REMOVE FRAUDULENT UNAUTHRIZED ITEMS. 

UNAUTHORIZED FRAUDULENT DEROGATORY MARKS/COLLECTIONS XXXX : XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED FRAUDULENT INQUIRIES EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

First image mentions escrow advance of {$3700.00}. It is consistent with the first statement for XXXX. 

The second image we see escrow shortage is {$9000.00}. 

So why {$5300.00} extra? Second page adds up boxed numbers. 

The {$3700.00} divided by {$150.00} ( escrow monthly payment ) works out to just over 6 months. 

If I cut a check for {$9000.00} today, and used the shortage they state of {$3700.00} we would have {$5300.00} today. 

To pay {$1800.00} and {$5200.00} in XXXX. They do state the new amount starts in XXXX. So there would be XXXX five months at {$740.00} adding {$3700.00}. 

This totals {$8900.00} well in excess of the XXXX payments in XXXX of {$7100.00} = {$1800.00} But then 12 months for the XXXX payments there would be {$8900.00} collected to add to the {$1800.00} we get {$10000.00} for the annual bills now I understand these will go up. But they can and will raise the standard for that. Not the back payment. There is no estimate in the paid years. Only this year. 

This is just 16 of 60 payments. What ugly balance will be have with 5 years of $ XXXX surplus annually? 

Lenders are allowed by federal law to collect an extra two months of escrow payments as a cushion. The lender could receive extra throughout the year to make sure that the homeowner 's escrow account has enough money to cover these two bills. 

We do see this number {$1100.00} in the escrow balance required in XXXX. 

But the reason is $ XXXX in XXXX, this is the amount of all XXXX needs for tax and insurance, the entire back {$3700.00} and 4 payments of {$740.00}. 

When they have the 2 month cushion escrow would be 100 % caught up with 56 extra payments of {$150.00} or {$8400.00} extra for no reason at all. And zero flexibility to make changes without extreme measures. 

Im still 12 months ahead of the amortization. They want anther annual surplus. 

edit But then 12 months for the XXXX payments there would be {$8900.00} collected to add to the {$1800.00} we get {$10000.00} for the annual bills now I understand these will go up. But they can and will raise the standard for that. Not the back payment. There is no estimate in the paid years. Only this year. 

This is just 16 of 60 payments. What ugly balance will be have with 5 years of $ XXXX surplus annually? 

I take this back the additional $ XXXX would have been paid in my rundown so the XXXX escrow would be {$7100.00} to add to the predicted XXXX balance that would exist with the {$8900.00} payment. 

SO wed have {$8900.00} to pay what is {$7.00} last year. 

It will be less for XXXX than it was. 

XXXX  {$290.00} of the property tax in XXXX was delinquent tenant water bills. 

Description Amount Paid Due Gross Tax XXXX - - School Credit XXXX - - Submit Total XXXX - - First Dollar Credit XXXX - - Lottery Credit XXXX - - Net Tax XXXX XXXX XXXX Special Assessments XXXX XXXX XXXX Submit Special Charges XXXX XXXX XXXX Submit Delinquent Utility XXXX XXXX XXXX PrivateForest Crop XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b 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 have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Experian reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon. My name is XXXX XXXX XXXX XXXX I am submitting this complaint because I have called Experian XXXX times about my name showing up incorrectly on my credit report. Also, I just logged in and saw that they have my date of birth as XXXX. That is incorrect. My date of birth is XX/XX/XXXX. I have tried to get it corrected. Every rep that I speak with acts clueless as if they don't know what is going on. My mortgage lender is trying to pull my credit. She has never had an issue. Now she is having an issue. I have several cards with my hyphenated last name and I don't have an issue. I don't understand the issue nor do I understand my date of birth being off XXXX years. It shouldn't been an issue with me speaking with anyone to rectify this. 

Also, this is XXXX XXXX XXXX submitting this complaint. Not anyone else.
Product: Credit card

I have attempted multiple times to submit evidence of a misrepresented over charge by a merchant for services not rendered and Amex keeps ignoring or not reading the evidence submitted. Saying that I have failed to provide documentation. There's an email where the merchant clearly confirms what I supposedly purchasing and I have a recorded phone conversation as well. Then I submitted evidence that the ticket issued was not as described.
Product: Debt collection

This is not my debt. I never received any services from XXXX XXXX XXXX. Not have I received any information/ notices of what I am being charged for.
Product: Vehicle loan or lease

On XXXX XXXX I brought a XXXX XXXX I was told I was eligible to receive a managers special because I am a 100 % XXXX vet that I would only have to pay 1052 monthly payment on a XXXX car. My finance company is XXXX financial. I paid my loan every month on time and realized 9 months into paying my loan that the balance did not drop but increased! I called and they told me that my interest rate was 23 % a day which basically means that if I pay my bill on the XXXX instead of the XXXX that none of my payments going on my loan but all is going on interest. That means I will never pay for my car and my balance is growing and not decreasing. I feel that I have been taken advantage of and not only am I XXXX but I fought for my country only to let dishonest companies take my only income that I have to got to waste and I could end up owning on this truck for the rest of my life. Companies should not be allowed to do anyone this way I have XXXX children and a wife to support and have paid XXXX dollars on a vehicle which balance has gone up instead of going down. I ca n't afford to just give away money I have had XXXX open back surgeries and ca n't work because of it and I demand to be treated fair. I did not fight for my country just to let dishonest companies take all they can and I will be out of thousands to the point that I cant ever own my vehicle. The statements do n't show where my money is going just a higher balance than I originally signed for
Product: Credit card or prepaid card

i XXXX  I, had two credit cards with capital one which were both closed due to the neglicence of discover card and there reversal of a balance transfer that happened in XXXX and was reversed on without mine or my father in laws consent and was XX/XX/XXXX in the amount of XXXX on my platium card that i relay on to run my business and get the proper equipment and saftey materials for my techniacians. with this said i kept capital one in the loop the whole time sending mutiple faxes of updates and a signed letter stating what they were doing to XXXX institutions with out any consent and they should not exknowledge their claim for money back as all it did was result in two instiutions stating i owe them money as capital one sent it back to discover and discover claimed they didnt get it which then finally received it and then when asked to send it back to capital one they did not and i still did my due diligence and kept capital one updated and told them that this was a bank error with supporting documentation and that i will get them there money back regardless if i had to sue discover because discover still tried to collect money they reciveied from capital one from me and capital one telling me i owe them. with all the documentation and issues with discover it is their sole responbility to fix this error pay them and capital one has no right to close the account as it was a bank error and they told me it was closed due to the B/T reversal which they thought i did and i supplied them with the documentation stating we did not and the letters stating that they withdrew the disputes done in error but they didnt and went back and worth stating it was it was withdrawn to no one is responible to we owe both them and capital one and it is unfair for capital one to close my credit line that had a XXXX dollar balance piror to this incident and i have never missed a payment even as i was going through identity theft loosing XXXX $ and to this day still fighting to recover my funds. what capital one did was ruin a huge factor in building my company and growing it larger and producing for money instead they ruined my credit and said i owed them money with intrest and a closed account on top of that which hurt so bad i had lost so much money in business and emoloyees unable to hire and my XXXX year old son is getting hard to provide for and this is ashame not on capital for closing my accout fully but on both parties for there actions when i did everything in my power on top of my due diligence to keep them updated and aware every day of the circustances with documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken the time to inform each company that I did not provide anyone my consent to open these accounts and for sure not report them on my personal reports.it has been over 90 days since I asked for these unverified items to be deleted. Personally this is causing hardship and my rights are being violated to the fullest and being ignored is not ok! Please delete these items now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been Experian including false debt reports of XXXX owed on my credit report. I've reported that they had information that was false on my account on multiple occasions. But they refuse to remove it or update my online account information. I thought that it was illegal to add medical debt on a credit report for a bill that's already paid off, plus the bill wasn't even overall. Also, There are more than XXXX accounts listed for companies that I don't even owe money too as well.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy U.S.

Bankruptcy Court Reference # XXXX XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Student loan

My student loans are currently consolidated with Fedloan Servicing. I am under an income contingent repayment plan because I qualify for the Public Service Loan Forgiveness program since I am a XXXX. I have been making my payments on time, but under the last annual re-evaluation my payment more than doubled, causing financial stress in my budget. When I called to ask why, I was told it was because my loan had previously been calculated incorrectly, since the parent plus loans included in my consolidation did not qualify for the lower payment plan. Whether this is true or not, I made the decision to use the PSLF program because I could afford the payments I was given under the consolidation plan I was told at the time to use. I did not lie to anyone, but I went on the advice I was given at the time by the loan servicer. I feel like I am being financially stressed due to a mistake that was not my fault. I may have made different decisions 5 years ago had this information been given to me at the time. Is it OK for the servicer to raise my payment by more than double because the error was not caught? I am beyond frustrated.
Product: Debt collection

I have sent XXXX debt validation letters to this collection agency. They have ignored all of my requests for validation. I do not owe this debt and they continue to pursue me for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX