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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian reporting agency, block 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 personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a Bankruptcy with XXXX XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX under the reference number XXXX. This fraud has lead to several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a 609 verification letter to verify certain accounts in my credit file and they didn't respond at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times this year to solve an issue with Experian. Experian is reporting a Bankruptcy on my credit report that I have no knowledge of. I have reached out to XXXX XXXX and United States Bankruptcy Court on confirmation of the Bankruptcy. XXXX XXXX does not have a Bankruptcy listed for me at all and there is also a freeze on my report, so how was that possible. United States Bankruptcy Court does not do business with credit bureaus at all. I have asked several times for them to do in investigation on this but they refuse and lie about it being verified, but have yet to provide proof. The Bankruptcy is not listed on any other credit report. They also do not mark the Bankruptcy as being disputed at all, which I believe is unlawful. I have documents to go along with my complaint if need be.
Product: Mortgage

Bay Loan Servicing has been mishandling our loan modification since it was first initiated. After calls and e-mails on our part to the case manager, she either does not respond or just simply ignores us. The case manager weeks ago sent a XXXX packet which contained the legal documents to finally complete this process. We signed, dated and notarized there legal paper work. We also included our banking information in order for them to withdraw our monthly mortgage payments. We sent the return documents via XXXX and a week later we received a reply from Bay Loan via mail that they had in fact received our paper work and that our payments would be pulled from our bank account. Nothing else is needed from our end, since everything was properly completed. So fast forward to today and we receive a 3rd packet stating that they made a clerical error and that we now have to re sign all the documents again. How is this possible? When is this endless cycle going to end? We are requesting a call from corporate directly and need assistance with finally resolving this modification. We are law abiding citizens and jump through hoops to do the right thing and yet again we are told that the process must start once again.
Product: Debt collection

XXXX XXXX bought a old cc debt in XX/XX/2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX XXXX XXXX the thing about is it is out of statu in the state of Arkansas
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is being reported inaccurately on my TransUnion credit report which has caused financial distress and is against the law. Ive ask several times for the account to be verified by showing original signed documentation no response. 


XXXX XXXX Bank {$810.00} Account # XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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.
Product: Credit reporting or other personal consumer reports

I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX -- Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in XXXX  days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " XXXX  years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within XXXX  days or delete the trade-lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries from : -XXXX/XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 











Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Thus, the effectiveness of the banking system is harmed anytime the FCRA is violated. I control what is and is not listed, hence this violates my privacy with my consumer report. Any accounts reported without my express written permission are deemed identity theft. 

Codes 15 U.S. Code 1681b ( 2 ) and 1681c-2 are both broken by this. Under 15 U.S. Code 1681n, which permits {$1000.00} per violation for accounts listed without my express written permission, this opens the door to civil action against the credit reporting organization for careless and willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.
Product: Mortgage

attached. 
WE ARE THE ISSUERS PER THE LOAN DOCUMENTS/AGREEMENTS SIGNED : WE HAVE EQUITABLE INTEREST AND BENEFICIAL OWNERSHIP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.
Product: Credit card or prepaid card

I applied for Citi Double Cash Card online and was approval. Citi sent me the physical card and a form which request for more information including Form XXXX and a copy of my social security card on XX/XX/XXXX. The deadline of this request is XX/XX/XXXX. 
I mailed the information Citi asked on XX/XX/XXXX. However, on XX/XX/XXXX, Citi mailed to me a letter stating that my account is closed without explanation on what is missing for my documents. I called in to check with them. The operator told me something about my last name is missing and my only option is to re-apply for this card. I was furious and hung up. A couple of days later, I called again to Citi and asked for a supervisor. I told her that I was going to file a complaint if Citi do not take action towards my issue. The supervisor agreed to reopen my account and asked me to wait for 5-7 business days. However, about two weeks later, I did not hear anything from them, so I called again, another supervisor told me that Citi can not reopen my account. The only option is to re-apply and have another inquiry to my credit history. The way Citi treated its potential customers is absolutely terrible. No clear reasons are provided. No notifications are sent before actions. No actions are taken after promises.
Product: Debt collection

On XX/XX/2022, upon viewing my XXXX credit report, I notice a significant decrease in my score. I telephoned and spoke with both XXXX and XXXX representatives. I was informed that there was a medical bill from XXXX XXXX XXXX XXXX submitted by L. J. Ross XXXX XXXX. I then contacted both XXXX XXXX XXXX and L. J. Ross, I was informed by XXXX XXXX that when an account is not pay in XXXX month the account to transferred to collection. However, I stated I had not receive any overdue account notice from L.J. Ross. I did was allowed to bring my account current by paying {$100.00} to XXXX XXXX XXXX XXXX. 

I was informed by XXXX XXXX XXXX XXXX that a notification would be sent to L. J. Ross of my payment and it would be L.J. Ross decision to remove the collection from my credit report. Then I notified L.J. Ross of my payment to XXXX XXXX XXXX XXXX. I was informed LJ Ross will wait for XXXX XXXX XXXX XXXX to notify them regarding my account payment. However, they could not ensure me that the debt reported on to the credit bureau will get removed from my credit report. I am disputing that I was not notified by XXXX XXXX XXXX XXXX of this debt being at risk of collection nor did L.J. Ross ever sent me a correspondence regarding a debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/XXXX No Respond I Have No Account COAF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account Capital One XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account Capital One XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account
Product: Credit reporting or other personal consumer reports

This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
SECURITY CREDIT SERVIC XXXX
Product: Credit card

I used to have a electronic logbook subscription service with a company called XXXX XXXX in the amount of {$720.00} Annually. On thu XX/XX/year> at XXXX am I have informed the customer service team that there services were no longer required and therefore I requested the subscription service cancellation effective XX/XX/year> However they charged my account on XX/XX/year> in the amount of {$720.00} without my permission or proviing any service. 
I have informed the Chase XXXX XXXX regarding this issue and told them that this was unouthorized transaction and they should help me get my money back into my account. Unfortunately the claims department don't want to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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.
Product: Debt collection

I have been monitoring my credit weekly for 2 years now and have discovered that ERC, a third-party debt buyer, has reported a {$59.00} derogatory collection on my credit reports. I was never given any notice of the debt due ... never given a chance to dispute the issue within the 30 day period, which is required by law and a violation of my consumer rights under the FCRA. 
I am writing to obtain validation that the company has a right to collect this money from me. Thus, ERC indicates that XXXX XXXX is the original creditor ; however, I never owed XXXX XXXX any money. When I moved from XXXX, I returned the equipment to the XXXX office and paid the amount that XXXX XXXX said that I owed to close the account and pay the balance in full. This was done in XXXX 2015. Furthermore, around XXXX 2015, I received a 'refund ' from XXXX XXXX of {$44.00}. 
Again, I need validation of this debt from ERC. What was the original amount of the debt? What was the original account number and date of original debt? MORE IMPORTANTLY, please tell me why you believe that you have a right to collect this debt? Please provide verification and " documentation '' that there is a valid basis for claiming that I am required to pay the debt to this current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Also, a copy of the last billing statement from the original creditor is required.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Blobk , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protected Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their Revolution support process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience in financial loss, and I Seek appropriate redress for these violations.
Product: Debt collection

After closely inspecting my recent credit report, I identified several accounts that I believe were added fraudulently and without my authorization.
Product: Credit card or prepaid card

This card belongs to XXXX XXXX, before it was from XXXX Bank now it belongs to Barklay 's credit cards, my card was XXXX when it belonged to XXXX bank, they even charged me three months more and they returned that money which was {$50.00} the minimum payment and they returned {$50.00} on XX/XX/2022 and {$100.00} on XX/XX/2022, after I went to Barklay 's I have a balance of {$130.00}, and I called them 6 times and they don't know why that amount is affecting my credit history for something that I shouldn't.-
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX acct : XXXX Ref : # XXXX XXXX is attempting to collect on a debt. I have made communication with a XXXX XXXX requesting validation of this debt, their Authorization and HIPAA release. They are unable to provide HIPAA sign release of medical information. Requested information XX/XX//2019 The copy of a bill on XX/XX/XXXX is all I have received,
Product: Debt collection

Called to get details on the original debt, they weren't able to produce any of the original signatures or verify when the debt was established. Contacted repeatedly to speak to a better rep actually able to help no answer just ring back
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues is with XXXX XXXX, Equifax, XXXX and XXXX. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and Equifax is showing that the account is open with Current payments after being charged off. 
XXXX I requested that Equifax XXXX XXXX and XXXX remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, Equifax has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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: Mortgage

my home loan went into default XXXX of 2015, I several attempts to bring my account current each time the rep stated the system would not accept the payment. Now my loan is in foreclosure status/ Modification supposedly additional information was needed far as my income, I have been waiting for a new modification packet going on 3 weeks among other things I received a letter stating no longer will assigned person be handling my loan any concerns contact the home loan team. Well I did just that to find out no one will is allowed to discuss my account with me
Product: Debt collection

XXXX XXXX XXXX constantly harass me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. XXXX XXXX XXXX  is not currently licensed in North Carolina with the Secretary of State and should therefore be removed from all credit bureau agencies immediately due to the non active status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid of a car with Key Bank in 2019 with a loan from XXXX XXXX. Key Bank is reporting the payment late. Which is inaccurate. I have reached out to Key Bank on numerous occasions to get a copy of their records. They told me they have no records of me. So how are you reporting information if you have no records for me. I need help and would like to file a dispute.