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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$72.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$130.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied employment with XXXX XXXX XXXX insurance in XX/XX/XXXX for a position as a agent due to the incorrect credit reporting information from on the credit bureaus. I have multiple write offs from multiple lenders and that should have been taken care of XX/XX/XXXX. This date is when I was working through a credit agency that sent multiple disputes to clear many inaccuracies of the reporting charge-offs. Due to covid I was denied many jobs and housing ( denied mortgage ). The information being reported is incorrect as far as dates and account information. How should I go about remedy this situation? 

God bless!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Experian specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. Experian is in violation of my rights as a federally protected consumer. Instead following my specific written instructions, pursuant to 15 USC 1681b ( a ) ( 2 ), Experian ignored my instructions, placed said alleged accounts in dispute status thus updating them on my consumer report. Additionally, incorrect and inaccurate names and accounts in which I have also given specific instructions for pursuant to 15 USC 1681b ( a ) ( 2 ) still remain on my consumer report.

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed bankruptcy that is showing on my account. Experian stated US BKPT CT TX XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.. This is incorrect I contacted the court and they sent a letter as well as verbally stated they do not verify or certify any records with the credit agencies. When asked for method of verification Experian has failed to provide that information as well. I am requesting they provide method of verification of who they spoke to, date they spoke to this person, and documents given to them showing they verified or certified this information with a person. If they are not able to provide this as they will not be according to the court, i am requesting removal from my report.
Product: Credit card

I have always ensured that payments on this account are made on time, never letting them become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. Corrections should be made in accordance with XXXX XXXX XXXX - Billing Error.
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. 

Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : 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 XXXX 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

this was a duplicate charge by the medical practitioner. A complaint should be filed for overbilling practices.
Product: Mortgage

I have a mortgage with Carrington mortgage services LLC and had an overage in my escrow account. I was behind on my mortgage so they would not return it to me ( the overage was about the same as I owed ) I just went through a loan mod so I am not behind anymore and the money is gone. I am told that they used the money in the mod because I was behind. I would n't of had to do a mod if they would have done that in the beginning. I asked why they did that I was under the impression that could n't be done. They put money in my FHA overage that I have to pay at the end of my loan. I asked for a breakdown of the money used and no one can give me one it 's over {$2200.00} and no one can show me where my money went. I did n't think a loan mod cost anything out of pocket until the end of the loan.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process a 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 and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

To whom it may concern : I asked for verification of the following : Proof that you are licensed to collect debt in my state. 
A breakdown of fees, including how YOU calculated what YOU claim I owe YOU. 

I have yet to see proof that I owe XXXX XXXX XXXX, I don't have a contract with this company, nor did this company loan me money to buy anything, so I don't see how this company is collecting on a debt. I did not purchase this vehicle. Also, I need whatever proof you have that I lived at these alleged addresses. I will file a complaint with the XXXX and, from there on, with my state attorney general. I don't know how this company has my name as a buyer and not a co-signer on these documents. I didn't buy any vehicle. This is inaccurate information, and I want the whole account removed. I will go as far as possible because this is unfair credit reporting.
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 168b permissible purposes of consumer reports. 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. 

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 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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 


15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting or other personal consumer reports

Unauthorized Inquires 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: Credit reporting or other personal consumer reports

I have things on my report that Im not aware of when I reached out to Experian I get no help
Product: Debt collection

portfolio recovery keeps sending bills / calling at anytime they wish on a " recorded line '' asking when i can start making payments on a old credit card issued by XXXX years ago. the account when on default and charged off. my credit report doesn't even reflect this debt! Moreover, later the same company issued me a credit card. That long is has being. Today, XX/XX/2020 at XXXX ; XXXX was the latest call from Portfolio Recovery which it interrupted our religious service. I had told them in countless occasions to ceased calls and stop any mail attempting to collect this long gone debt. Their behavior has turned more into a harassing situation and needs to stop now.
Product: Debt collection

XXXX never contacted me about alleged debt. I was never given the opportunity to verify alleged debt. 

Amount of Alleged Debt XXXX 15 USC 1681b ( a ) ( 2 ) I never gave written consent to have anything from rent grow to furnish information on my report This is an infringement upon my privacy and has cause me to be discriminated against. 

M.A.R.S. INC still havent supplied me with evidence on how this information was verified before reporting.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This creditor/collection agency is reporting a fraudulent account to the consumer reporting agencies on my consumer credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account XXXX XXXX XXXX Account # XXXX
Product: Credit card

I received a credit alert that XXXX of my accounts was over the limit. It is a paypal credit card., with Synchrony Bank XXXX I do not recall that I have a XXXX credit card but they stated it was opened XX/XX/year> but they will not provide me with any documentation. The card was used and they denied my fraud claim saying since I opened the account it had to be me using it. But I have never received a statement from them email or mail. I have requested information about the charges, and they say they can not give me that, I don't have the account number, when the purchase was made, if there was a delivery address where anything was shipped to. In the meantime, the charges have gone from XXXX to XXXX. I had requested the account to be closed, in XXXX which they did but then they opened another which of course increased the balance owing. Synchrony went on to close XXXX other accounts with them that I have saying I was now a credit risk. My credit score has gone from mid XXXX 's to XXXX. I have impeccable credit ; all my bills are paid on time, and this is severely affecting my credit. There is no reason I would create a balance of this amount and then deny that it is mine. I certainly have enough credit that I would have used XXXX of my open accounts. I feel that I am very victimized. I h ave frozen my credit reports, filed fraud claims, and am in the process of filing a police report.
Product: Debt collection

previously disputed on XX/XX/XXXX this medical debt account asking to verify or delete debt as I do not recall having account open. On XX/XX/XXXX I got a response from Experian saying that personal information on credit report with Experian didn't match the information that I had given on the dispute. For that reason I needed to provide additional method of personal verification. On XX/XX/XXXX I got a copy of credit report with Experian and stating this medical debt that I do not recall. First Experian is stating that the information that I provide as my personal info. is incorrect base on what Experain has then shortly after I get a credit report with a medical debt on it. This makes no sense does Experian have or does not have the right personal information or Is Experian mistaken me with someone else. Not possible to show a negative account on credit report if information is not accurate 100 % this is ridiculous
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed accounts that I am not liable for the debt and do not have contract with these credit agencies. 
1. XXXX, XXXX  2. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3. XXXX XXXX XXXX
Product: Credit card or prepaid card

We received {$50.00} loaded on a VISA debit card issued by U.S.Bank Focus in XXXX XXXX for participating in a health study, including DNA, conducted by a U. of Florida group ( if I recall correctly ). 
I do not recall ANY notification about fees then, or at any time. 

We used the card once on XX/XX/XXXX, depleting the balance by XXXX to XXXX. 
That same month, we attempted to expand our usage of this bank to include a checking account that we could could with XXXX. We were totally unsuccessful in achieving that aim. Customer support via telephone seemed always to be someone who barely could communicate in English, requested that we submit multiple personal ID documents, never came to a post where we could deposit money. We are very concerned for the safety of our information, having been subject to identity theft in XXXX. 
Meanwhile, unknown to us, a clock was ticking that resulted in fees of {$2.00} being subtracted from the balance monthly starting in XX/XX/XXXX. 

We only discovered that these fees were happening when we used the card for an online newspaper subscription on XX/XX/XXXX, when we observed that {$10.00} had been depleted. 

Adding insult to injury, U.S. Bank is absorbing our local checking & savings institution, XXXX XXXX, as of XX/XX/XXXX. We can not trust the new institution to hold our funds and our identity. And, they are closing our nearby branch. 

The fees mentioned above are the very definition of JUNK FEES that Congress has indicated possible action on. I fervently hope that action will be taken.
Product: Payday loan, title loan, or personal loan

The insta loan payment app makes no sense says payment due to renew on a particular date XX/XX/XXXX is XXXX dollars a week later the same thing says to renew on the XXXX is now XXXX it changes day to day but is worded in a molesting way. I have since been put in leg braces due to my XXXX. I have for days told insta loan that I would relinquish the car to them with no answer. I found this odd since they would start calling for payment a day before my due date and 2 to 3 times a day on the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from IRS showing paid Lien for 2008 paid in full and XXXX and XXXX have removed it but Transunion wo n't take it off. I went to Tax court and everything yet they wo n't remove it! 
It is keeping me from being able to get credit and loans.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESES ADDRESSES PLEASE REMOVE FROM MY CREDIT REPORT. 

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

I have been working on my Transunion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter The INCORRECT Address that should be deleted is XXXX XXXX XXXX, XXXX Georgia XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Georgia XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Georgia XXXX. The CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. 

I am also showing an incorrect EMPLOYER of XXXX XXXX that needs to be deleted.
Product: Money transfer, virtual currency, or money service

There isn't a phone XXXX # where I can contact a real live person
Product: Prepaid card

There was a digital xard created and compromised and used internationally I have provided poclie reprot and other evidence showing all of these transactions are not mine
Product: Student loan

Information is missing on my loan. I XXXX  in XXXX and began paying my loans. I logged on to MOHELA and it does not show the full record of my payments and loan history. Also it has false information by stating my loan repayment began in XXXX. My loan repayment began 6 months after I graduated in XXXX. 

This is false information. Also a lot of documentation is missing on their site with regard to my loan. There is no loan numbers, no statements and no true information to validate this loan. Again, it does not show any of the payments I have made in the past 10 years. This misinformation and lack of documentation allowed for them to move my pay off date. 

In the attachment there is a section that shows on there website it gives you an option to see account history and when I select last 10 years, what is strange is there is no history. The attachment shows the activity they claim for the last 10 years. This is highly strange and inaccurate.
Product: Payday loan, title loan, or personal loan

I obtained a XXXX  from XXXX XXXX in XXXX to help finance some of the operating costs of a charitable foundation I helped create. Paying off the loan was no problem as the monthly payment was taken directly from the charitable organizations checking account, also with XXXX. sometime around XXXX or XXXX PNC Bank bought XXXX and I thought everything was fine. But in XXXX of XXXX I got a call form PNC telling me that the XXXX was delinquent. So over the phone I authorized the person to make a payment. End of story, so I thought, but the next month I get a call from PNC telling me that the XXXX was in default because it was over XXXX  days past due. Turns out that in the transition between XXXX and PNC my checking account numbers changed and the direct draft payment wasn't paying for the XXXX because of the change of account numbers. Anyway, since XXXX I have had to pay for the monthly balance on my own because PNC won't allow a XXXX in receivership to have automated payments. I have been charged about {$2000.00} in late fees because of this ... .and it was all due to a mistake PNC made, not me. I have to deal with this for over XXXX years and have spent countless hours of my time trying to get PNC to correct this. Please help me, the account is up to date but I'm still getting late fees.