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

Fraudulent accounts currently reporting from the direct result of identity theft, 1.XXXX XXXX XXXX, 2.XXXX XXXX # XXXX, 3.XXXX # XXXX, 4XXXX XXXX  XXXX # XXXX, 5. XXXX  # XXXX, 6XXXX XXXX XXXX # XXXX, 7.XXXX # XXXX, 8. XXXX XXXX XXXX. 
Its been several months now I have been in consistent contact with XXXX consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from XXXX. XXXX has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. XXXX has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and XXXX should be held accountability. XXXX has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and XXXX is liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

On XX/XX/2021 I filed a complaint against OPTIMUM OUTCOMES INC because of an alleged debt. I sent OPTIUMUM OUTCOMES INC a cease and desist as well as an invoice for the violation. OPTIMUM OUTCOMES INC closed out the alleged account and stated they would honor the cease-and-desist letter but not my remedy. Last week I received ANOTHER letter from OPTIMUM OUTCOMES INC asking me to pay another alleged debt, which dated, XX/XX/2021. I did not give OPTIMUM OUTCOMES INC my consent to communicate with me, once again. Accusing me of owing this alleged debt is obscene and profane not to mention a violation. I am enforcing my rights as a consumer for the damages by OPTIMUM OUTCOMES INC. pursuant to 15 USC 1692k. Pay the attached invoice and compensate me for every violation labeled in the attached exhibit.
Product: Credit reporting or other personal consumer reports

Entered into a reduced payment plan agreement XX/XX/XXXX of XXXX and have paid as agreed from XX/XX/XXXX until XX/XX/XXXX. The agreement was pay {$99.00} electronically every month and my interest would be reduced to 6.50 % if paid as agreed. 
XXXX XXXX reports as 120 days late to all credit agencies from XXXX XXXX. 
This is incorrect. This is not in the agreement. I have paid extra more than the agreement many months. I have paid as agreed. I ordered the last 12 months statements from XXXX and the statements reflect this. XXXX refuses to acknowledge my dispute which I sent XXXX XXXX with signature. XXXX denies my dispute to credit agencies. Still reporting 120 days late from XX/XX/XXXX- until XX/XX/XXXX. I asked them to report as current for those months because I paid as agreed per the agreement they sent in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

We bought our house in XX/XX/2018 loan from XXXX XXXX, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from XXXX. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280 points because of this. 

We have this complaint against XXXX XXXX for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this.

3> affected our credit score and not taking any action to let us know or clear this.
Product: Mortgage

After three attempts to refinance a balloon HELOC that comes due and payable in XXXX XXXX we have been denied any modification on our 2nd mortgage. We have attempted to ask for modification XXXX before and after an eminent bankruptcy in an attempt to keep our home. When starting a XXXX in XXXX XXXX it was recommended to us by an XXXX Bank that we should use the equity in our home as a XXXX loan in lieu of applying for an XXXX loan. The loan is written as a true balloon that comes due and payable in XXXX XXXX. It is our understanding that it is now illegal to write a balloon such as this. Through tough economical times we have lost our XXXX and are having difficulty paying the HELOC as a result. XXXX The XXXX always paid the HELOC ) Knowing we were faced with an eminent BK we first reached out to ask for a refi in XXXX XXXX with a different lender but were unable to be approved because WaFed was unable to release our credit rating to the repositories. WaFed had taken over the book of business after XXXX XXXX ( the original lender ) was taken over by the FDIC. By XXXX of XXXX, knowing BK was eminent, we applied for a modification with WaFed asking for help and fully disclosing the BK but were declined. We filed XXXX in XXXX XXXX. In XXXX XXXX, we once again contacted WaFed and asked if they would be able to help us modify our HELOC now that the BK would be discharged and released and were told that they would not be willing to work with us and that we should contact our attorney.
Product: Debt collection

Received a letter dated XX/XX/22 from Transworld Systems Inc. that I owed a debt of {$400.00} to XXXX. I called TSI on XX/XX/22 to inquire what this was for. The representative said it was a customs duty fee that I must pay. I explained to him the situation as I had used XXXX to return a shipment to XXXX, and that shipment was refused and sent directly back to me without my knowledge. The representative immediately was on the offensive, telling me it doesn't matter that I didn't ask for it to be returned to the U.S. He stated that this was like any other 'fine ' from the government and I must pay his collection company now. He did not log my dispute and simply move on for further investigation. I hung up the phone and called XXXX, and gave their customer service the same explanation. The reasoning was found sufficient and the charge removed.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  Account # XXXX Because I can't seem to find any please provide proof that I've ever been late on a payment to this account. In the event that you are unable to produce evidence of a late payment, you need to change the status to paid on time every time ( s ). 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

They claim to never get payment in XXXX but I got a statement proving the received
Product: Credit reporting or other personal consumer reports

received a credit report and my information is inaccurate and filed a police report also because my name and information was used multiple times in fraud. told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXXXXXX, XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the inquires I seen when I looked over my credit report. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Payday loan, title loan, personal loan, or advance loan

Took out approved {$1600.00} loan XX/XX/XXXX with netcredit, deposited XX/XX/XXXX. Made 3 : ontime payments each {$89.00} and change. Decided to pay off loan today XX/XX/XXXX. Went to netcredit website, copied down principal amount {$1500.00} and change. Called NetCredit but had to pay {$1600.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX, XXXX and Trans union notified a breech of my ss # amongst many thousandths was exposed by a hacker group XXXX. Because of this I have had unusual happenings.
Product: Debt collection

The XXXX XXXX sent me a bill for XXXX XXXX - XXXX  that supposedly took place in their Winter Have XXXX  clinic on XX/XX/year>. I never received this treatment. I had already been advised they were no longer accepting my insurance, and I told them that I would not be coming back. I have never been to their XXXX XXXX XXXX ; I have never had sublingual immunotherapy. My current XXXX doctor said that I don't even have any real XXXX. 

This bill is not owed. I never received the services.
Product: Checking or savings account

Yes cash app never help me or give me any information why I couldn't assess my funds or why my money taking out my account I thought I was talking to real people but I wasn't so my information is all there like social security my account number
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 alleged fraud or extortion. 




XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXXXXXX Balance XXXX {$3200.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$7900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$890.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$100.00} to my husbands old number through Chase Quckpay by XXXX, as soon as the transaction was performed on XX/XX/XXXX i called Chase and advised them. They advised me to all the number and request the money back. Once i called the person acknowledged it was a mistake but did not return the money. I called chase XX/XX/XXXX to open a dispute to have my money returned. They allotted 3-5 business day to receiver the money but advised they left a voice message and the person did not call back. I called the receiver on a different device and advised them to send the money, they acknowledged through text that they were not supposed to receive the funds and would call the bank. On XX/XX/XXXX i proceeded to call chase and they advised there was nothing else they can do and would not be reaching out the the receiver anymore. Since Chase is offering this form of cash transfer there should be some liability, I find it hard to believe that i can lose my money over a simple mistake.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized activities on my credit report. These accounts were not initiated by me, and I suspect them to be the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called all 3 credit bureaus and was told that I had negative information on my credit report from old bills that were still reporting as delinquent even though it clearly shows the bills were paid in full. This is having a detrimental affect on my ability to buy a home due to an artificially low credit score
Product: Credit card

On XX/XX/2023 I paid the balance in full before the due date the following day my card showed a {$13.00} finance charge the second day a {$9.00} charge that I did not authorize through that card and an additional charge that I have no idea what it was even though I have not used the card this is a card with Goldman XXXX through my Apple account and on my phone. It keeps reverting to this card, even though I have changed that many times.
Product: Credit card or prepaid card

In XX/XX/2022, Synchrony Bank sold my XXXX card to XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I inadvertently sent a payment of {$4000.00} through bill pay through XXXX  XXXX XXXX to Synchrony Bank. I talked with XXXX XXXX XXXX XXXX XXXX and they said that Synchrony Bank is supposed to forward the payment to them. To date, they have not done so. I can not speak to a live customer service agent at Synchrony Bank to resolve this, because the IVR system will not allow me to talk to a live agent unless I have an active account with Synchrony Bank, which I no longer have since they sold my XXXX card to XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/scrub>XX/XX/2024 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 suppose 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: Debt collection

I am disputing the accuracy of a collection account being reported by Fair Collections and Outsourcing ( FCO ). The account lists FCO as both the original creditor and the collection agency, which is factually inaccurate and misleading. FCO is a third-party debt collector and should not be listed as the original creditor. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit data to be accurate and clearly identify the source of debt.

Additionally, the account has been open since 2020 and remains open on my report despite no new activity. The account is also still marked as disputed by consumer multiple times, even though I previously submitted disputes that should have been resolved. These notations may be artificially suppressing my credit score.

I have attempted to resolve this issue through the credit bureaus, but it continues to report inaccurately. The reporting is incomplete, misleading, and unverifiable, and it is negatively impacting my ability to obtain financing.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to CAPITAL ONE. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/2023, XX/XX/2023 and XXXX XXXX, I submitted dispute letters to CAPITAL ONE, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. 
To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that CAPITAL ONE will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I tried calling them to request a settlement after they call me and leave voicemails daily and they hung up on me.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries on my credit report are negatively impacting my score. Kindly remove them in accordance with 15 USC 1681c-2.
Product: Credit reporting 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 Account Number : XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account number : XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts appearing on my credit report, and I can't figure out why. I do routine checks, but this time I was met with unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. This situation is deeply unsettling, and I'm requesting a thorough review of the documents Ive submitted so that I can finally put this concern to rest.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$980.00}