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

I begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX ( {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX/XXXX ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX/XXXX  ( {$1300.00} ) ( XX/XX/XXXX ), XXXX XXXXXXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX   {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to XXXX, Equifax, and XXXX  about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, some of my personal information was compromised in the XXXX data breach. In XXXX, an identity thief charged {$30000.00} to a department store ( XXXX XXXX ) without the card ( it was in my possession ), using a bogus New York driver 's license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold 13 years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all three credit reporting agencies. XXXX, who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for 11 years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the FTC. I have lodged a fraud alert with all three credit bureaus. When this is resolved, I will freeze my credit.
Product: Credit reporting or other personal consumer reports

I feel retaliation practice, After filing an investigation complaint on XXXX, I am unable to access my credit report online through their website. 

O waited on separate dates to make sure this isnt a technical or maintenance problem, I have tried on XXXX different dates to retrieve my credit report online with TransUnion. Prior to my complaint I didnt have any issues in accessing my current credit report or retrieving a new one. I am unable to get either. It goes through the steps, leading to accept the terms, but when the next page appears, nothing reflects. Nothing shows up. No credit report Information Appears..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, AZ 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. 

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
Product: Credit reporting

I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from Experian, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX CARD - XXXX CARD - XXXX - XXXX I have attached the police report that I filed with XXXX. 
Consent to publish the description of what happened? Consent provided Supporting documents
Product: Debt collection

I previously had a second mortgage loan with Chase. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through Chase. Chase maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and Chase has refused to talk to me about the loan and refers me to XXXX XXXX XXXX XXXX. XXXX has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and XXXX will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed credit disputes with all 3 credit bureaus regarding accounts that do not belong to me. Ive requested a copy of the verifiable documents that the credit bureaus are stating they verified and validate that the account belongs to me. I do not believe they have any verifiable information or documents. I am requesting all accounts that do not belong to me to be deleted and removed from my credit profile immediately. 
The following account collection and charge off accounts : XXXX collection accounts XXXX charge off account XXXX charge off account XXXX charge off accounts XXXX loan charged off accounts
Product: Credit reporting or other personal consumer reports

Incorrect information about me that is being reported on my credit report is why I'm writing. Even with corroborating evidence showing the information is false, the report is nevertheless accepted as true. 

The Fair Credit Reporting Act ( FCRA ) compels credit reporting organizations to look into and fix errors ; this lack of repair is a violation of 15 U.S.C. 1681i. I am asking that the errors in my credit report be fixed or removed, and that you look into this situation again right now.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies and incomplete information on my credit report that require your attention. I am disputing these accounts because your agency has not provided sufficient information to verify the debt. Experian and XXXX have already corrected these inaccuracy in their records due to an identified error. I am confused as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts on my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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'm formally requesting the immediate blocking and removal of accounts on my consumer report linked to identity theft. These accounts were included without my written authorization or wet signature. I've previously contacted your organization about this issue. 

The presence of these fraudulent accounts has caused me significant emotional and financial distress, misrepresenting my credit history and hindering important financial goals like purchasing a home and providing for my family.
Product: Credit card or prepaid card

I was drastically effected by covid 19 which caused a major financial drain in my income. I fell behind on my credit card payments with FNBO after being a loyal customer making on time payments. I did not pay my bill because I didnt want to I was sick and not working I was worried about my health. I enrolled in the forbearance program Im not running away from my responsibility on paying the debt I just feel like FNBO does not care about customers like other major banks and credit card companies. I reached out via email no response customer service provides no assistance so I contacted the XXXX the creditor refused to remove the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times ive been disputing with Experian to have this incorrect address removed from my credit report. XXXX XXXX XXXX, XXXX, mi, XXXX. Is not my address. I do not live at this address. At this point, Experian is going against the fair credit act. ive provided proof that i do not live at this address. But yet, they still fail to remove it. I want this address removed immediately.
Product: Debt collection

The collections company, " ALDOUS AND ASSOCIATES '' representing " XXXX XXXX '' has attempted to collect a XXXX dollar debt from my account even though I continue to get charged my monthly subscription like normally. I was never late on my billing date, and all of a sudden I get charged XXXX dollars out of nowhere. Countless phone calls and I always get put on hold, on behalf of " ALDOUS AND ASSOCIATES ''. This collections company will continuously put me on hold and then the call will drop after an hour passes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed a XXXX XXXX  loan with XXXX XXXX, my borrower who is currently in schools have the school sent a confirmation letter to lender of his current status ( student ) so as to stop making payments and activate a deferment on the account. XXXX XXXX denied the receipt of the request ( which they later confirmed while on a call with XXXX XXXX representative ) and report a delinquency to the credit bureau knocking 50 points off my credit score.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection 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 INQUIRIES XXXX XXXX XXXX/2024
Product: Credit card or prepaid card

The website has been having errors for several weeks. I have not been able to log in to check my balance and now to make a payment. Now a message comes up stating, due to the status of my account, I must call in. This was happening before my payment would have been considered late. I called on XX/XX/XXXX, and the automated system said due to my account status, I could not make a payment. I tried to reach a representative. Due to it being XXXX XXXX XXXX XXXX, no one was available. Now, I have tried called again for the last two days and the phone disconnects as soon as I request to speak with a representative. No matter how I try, the call always disconnects. There is no email address to try contacting them that way. I also sent an email through the XXXX  website with no response and I made a complaint there as well. I am trying to find out what is wrong with my account and to make a payment. I have faithfully made timely payments on my account since I first opened it, and my account was in good standing. This is infuriating, upsetting, and a violation of the law.
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. I told experian, XXXX y XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report.

The following accounts were not opened by me and should be immediately blocked and deleted : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Original account/debt was with XXXX. 
XXXX wrote off account. XXXX had the account with two inaccurate amounts {$160.00} and {$100.00} appearing on my Transunion credit report even though the account was assigned to XXXX XXXX XXXX Client Account # XXXX for only the amount of {$100.00}. XXXX then sold account to XXXX XXXX, XXXX account # XXXX. XXXX   offered me an opportunity of a lump sum reduction of {$36.00} which I paid should be reported as " satisfied in full '' on Transunion report and a letter stating the account was satisfied. 
The paymentTrace number Is XXXX XXXX XXXX. The name of the person who accepted and processed the payment at XXXX was XXXX XXXX XXXX XXXX Ext XXXX. 
I AM asking for help to remove two derogatory and inaccurate marks on my Transunion Credit Report. 
Thank you.
Product: Credit card or prepaid card

I opened an HSBC Credit card because they had 0 % interest for balance transfers for the first 18 months. I did a balance transfer, one month later my old credit card ( XXXX   XXXX ) had still not received the payment so HSBC cancelled it for me. Now I tried doing the balance transfer using the check HSBC gave me and this worked. So my balance was transferred ( {$1800.00} ) over to Hsbc in XXXX, I made my first payment in XXXX ( {$50.00} ). XX/XX/XXXX I received a letter stating my next payment would be XX/XX/XXXX. So on XX/XX/XXXX I tried to schedule an online payment with no success. I clicked on live chat and explained my problem and they said to call during business hours because my account was frozen for fraud. I've been on hold for over three hours so far. I went to th branch and they couldn't help me either. There is no reason for my account to be frozen as there has been no fraud and everything I've done on the account I have done with them over the phone. Now I'm worried I'm going to rack up late fees because they won't late me pay my bill and at this point I just want to find another bank with better customer service. The online live chat wast helpful at all simply told me to call the number that he had no information. 
I also received no notice that my account was frozen.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company PHH mortgage provided mortgage services to my account but was never the lender or owned my mortgage. Phh mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but phh mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.
Product: Credit reporting or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no XXXX XXXX accurate accounts on my credit report.
Product: Debt collection

XXXX XXXX XXXX sold this debt for {$310.00} even though they received proof from XXXX XXXX that it is discharged in bankruptcy and is no longer owed. XXXX XXXX  XXXX sold the debt to Online Collections XXXX who then put it on my credit with no notification or letter or attempt to contact me. I could have told them that they were sold a debt illegally and it was discharged.
Product: Credit card or prepaid card

I had 3 credit cards with Capital One. All in good standings. A platinum, spark and XXXX for many years. In XX/XX/XXXXXX/XX/XXXX2020, I changed bank accounts and the auto pays went through my old bank account. After I received notice of this, I quickly called and rectified the situation to bring my account current. The next day Capital One closed all my accounts! Not only that but raised my interest rates ( they are different every month ) and I am not able to use these cards but still have to pay them monthly with extremely high rates during the entire year with NO WORK! They disabled their email contact forms, and the wait times for phone calls was over 8 hours. The unbelievable amount of unanswered complaints has lead to full Internet forums including joining class action lawsuits. My credit score dropped over 100 points and Im still paying my monthly payments just being able to cover the interest! This is so wrong and unethical on so many levels! These cards were meant for food and supplies during this time! One card I had for 15 years and only had that one late payment! Please Help! They need to be held accountable!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cas 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 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.