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

Good morning, I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for Experian to block and remove these fraudulent accounts within XXXX days under FCRA 605B. I have attached a copy of my police report, FTC report and XXXX to support my claim. Please obey the law and block and remove these fraudulent accounts immediately. In the past, I would send your company letters as well as upload documents on your website portal and your company would always lie and tell me that the documents were illegible or you did not receive my mail even when I have sent certified letters with read receipts. I have spend a lot of time and money disputing with Experian. Please block and remove these fraudulent accounts IMMEDIATELY : XXXX. XXXX XXXX Account number # : XXXX XXXX. XXXX XXXX Account number # : XXXX XXXX. XXXXXXXX XXXX Account number # : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$5200.00} XXXX. XXXX Account XXXX # : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number # : XXXX XXXX XXXX XXXX BANK Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number # XXXX Balance : {$1800.00}
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and sending me some medical documents that do not belong to me. I have enclosed what they sent to me when already sent in my Police report FTC affidavit and they still keep saying this is my account. I have never had any goods or services with them or their affiliates. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.
Product: Credit reporting or other personal consumer reports

I called Experian several times XXXX XXXX XXXX XXXX and I spoke to one representative who asked me to fax my ssn card legal name change document and driver license and birth certificate to this fax number XXXX. I faxed it here on XX/XX/XXXX and I called them today and they said they dont have a fax number. This is very unprofessional and I will be suing them.
Product: Credit reporting

Transunion apparently had a security glitch. I contacted them in reference to inquiries on my account that were not mine and they told me I was not affected by the glitch ; even though they never brought it up to me first, I had to tell them I knew about it. They put me on hold to see if I was affected ; which I already knew I was but the agent told me I was n't. I have XXXX inquiries that should be on my transunion, equifax, and experian reports ; no more and no less. I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.
Product: Credit card

XX/XX/2023 I received a text from Chase Bank alerting me to possible fraudulent activity on my debit card. Looking at the details of the transaction and being aware that I had not made it, I replied 'NO ' to an auto-prompt to cancel my card. At this time I realised that my card was lost/stolen. 
XX/XX/2023 Looking through my online statements I saw three additional transactions that were not authorised by me and had occurred prior to my card being cancelled, at a total of {$420.00}. ( These were three in-person transactions, two at a XXXX XXXX and one at XXXX XXXX XXXX  XXXX ' all in XXXX XXXXXXXX, WA dated XX/XX/2023 XXXX I live/was in XXXX, WA in the weeks preceding these transactions ). I called Chase Bank and reported the fraudulent transactions and a claim was opened. 
XX/XX/2023 I received a letter from the bank ( notice date XX/XX/2023 ) that the charges had been investigated and found that 'the transaction ( s ) was processed according to the information you provided or was authorised '. I immediately called the bank and explained that this was impossible and requested they re-open the case. I was told that the money would not be credited and it is up to their discretion should they choose to investigate further. I requested further information and was not given any. I immediately filed a police report over the lost/stolen card and fraudulent transactions.
Product: Debt collection

Account was paid off in full XX/XX/2017 but this is still showing up when apartments run my credit
Product: Credit reporting or other personal consumer reports

On XXXX, I opened a dispute with XXXX, Complaint No. XXXX. I would like to remove the dispute and dispute the following matters. On XXXX, I settled the XXXX XXXX account listed as {$110.00} for {$90.00}, confirmation code XXXX. However, there remains on my account an XXXX XXXX  debit for {$850.00}, which has been charged off. Pursuant to 26 U.S.C. 6050P, where a charged-off account is greater than {$600.00}, I am entitled to be provided with a 1099c tax form. Since XXXX XXXX  never provided me with a 1099c tax form, I have no way of determining how the charged-off was handled. Accordingly, absent the 1099c tax form, I have no way of disputing whether or not the debt was forgiven and whether or not the {$850.00} is the correct amount owed on my account. There is another account listed on my credit report from XXXX XXXX XXXX XXXX, in the amount of {$10000.00}, which was a voluntary surrender. However, absent a 1099c tax form, I have no way of disputing whether or not the debt was forgiven and whether or not the {$10000.00} is the correct amount owed on my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I was just looking over my credit report and found some addresses that appear to be incorrect. My name is also spelled incorrectly. I've enclosed documentation providing proof of my current address and the correct spelling of my name as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that i am currently seeing listed. ( Which i would like removed please ) XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX. XXXX XXXX XXXX XXXX, NH XXXX XXXX. XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX. XXXX XXXX XXXX XXXX, VT XXXX
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I received a text message from Chase bank asking if I attempted a XXXX  XXXX payment on XX/XX/XXXX? I responded " No '' and was told that someone from Chase would call me. I then received a phone call from Chase Bank asking me to verify my account and they told me they were able to prevent the scam from happening. They then gave me some steps to do to cancel out the attempt via XXXX. They told me to add myself as a recipient by putting in my mobile number and email and I did. They told me that it would take 20 minutes for the money to show back up in my account and if it didn't call Chase bank. After 35 minutes I called Chase Bank to get an update and the representative said they had no record of what I was talking about and told me that I was scammed. They then put a claim in and told me to contact them in a week to get an update because it was going through XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I have two credit cards that have fallen past due through Comenity Bank. One for XXXX and the other for XXXX. They repeatedly call from blocked number, admitted to doing so and refuse to stop. I 'd tried to work out a payment arrangement before getting three months behind, and they refused that as well. 

They continue to call despite my earlier request that they stop, and communicate only through mail. Which they have not done. I had 6 phone calls from them via blocked numbers before XXXX this morning alone. I counted 9 yesterday, with one as late as XXXX. I want this to stop. I am already in the starting process of bankruptcy, and this harassment does n't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an 800+ credit rating for 8 years until Volvo Financial Services became grossly negligent in the handling of my dispute and subsequent inaccurate credit reporting.

- Volvo updated my home address and updated all credit reporting companies with an address that was not mine.

- No correspondence was received regarding any disputed balance amount. Volvo records can confirm this mistake and my address was updated.

- Volvo reported negative feedback on my credit report.

- To mutually resolve Volvo agreed to a new balance due of {$680.00} which was paid immediately on XX/XX/XXXX at their request. 
- Volvo then reported I had an outstanding balance of {$160.00} to credit agencies and listed me a charge off - Upon contact I agreed to pay an additional {$160.00} as noted below to finally clear up their mistakes - Now they have listed a charge off on my account in excess of 3k which never existed nor is owed. 

Volvo Financial Services Dept is dangerous and incompetent to work with. I have been trying to clean up the mess they made of my credit history for over a year. Absolute negligence on their part.
Product: Debt collection

Piedmont Credit & Collection Svs. Has reported to credit bureaus that I owe a medical bill to XXXX XXXX XXXX XXXX. I contacted the hospital and they informed me that they do not have any records of a balance due. I contacted the collection agency and ask them to provide documentation to verify the debt. They sent a copy of a signature that is not mine. Also they have changed the amount owed several times. This is inaccurate and doesnt belong to me.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XX/XX/2023 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Checking or savings account

Received email from Regions XX/XX/XXXX saying if I opened an additional savings account on top of the existing checking account, I would receive {$200.00} bonus within 90 days. 90 Days was XX/XX/XXXX. Still no promotional money received. Rep will called in was unable to resolve.
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 Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Mortgage

Please reference complaints : XXXX XXXX XXXX These complaints contain 6 years of history requesting our mortgage owner Bank of America, the Servicer of mortgage, XXXX, and the second lien holder XXXX. Each time we received responses where one bank blamed another and not taking responsibility for failure to request the desired solution. After your agency 's effort, and our persistent complaining, we received approval for a deed-in-lieu. This was the desired resolution requested in those aforementioned complaints ( copies attached ). Bank of America then approved and issued a proposed deed-in-lieu ( copy attached ). 

What was requested is for us to move out in two weeks, which was impossible since we have over XXXX square feet of property, a XXXX car garage, and a partially finished basement. The moving company could not move until XXXX XXXX. Our move will be out of state. When requested to extend that date, we received no response. We have unsuccessfully sought assistance from the mortgage servicer XXXX. 

Additionally, the deed-in- lieu proposal from Bank of America 's attorneys provided no protection from further personal liability, unlike what my attorney has seen before. The wording in fact stated several times that they could seek any deficiency after they received the deed. Our sole assets are a government pension, social security and a XXXX retirement account. Bank of America 's attorneys have stated they required they include such deficiency statements with a deed-in-lieu. The same language could also be included in a foreclosure or short sale resolution. In past complaints Bank of America has taken no culpability stating XXXX is the servicer. Now, it is Bank of America and their attorneys who are culpable and need to remove the language that allows a deficiency judgement. 

Bank of America purchased the Loan from XXXX after XXXX took over the original mortgage in successor to XXXX. We were never notified of this until Bank of America issued a summons to us to start foreclosure proceedings. We have been in and out court with the bank attorneys can not explain the public record which does n't show the final mortgage, only a construction loan of {$600000.00} ; this perplexed the foreclosure judge. The public record also shows the 2nd mortgage and a home equity loan, which were with XXXX and XXXX, respectively. XXXX has agreed to defer the remaining balance to {$6000.00} to be paid by XXXX upon settlement. 

The second item stopping foreclosure is the Bank of America attorney can not reconcile the amount of the purported final mortgage amount, which is not filed in public record. However, documents provided by the attorney in court show a calculation error whereby the balance of the construction notice was to be increased by the extras added during the construction period. The balance was actually added to the original amount of the construction loan. 

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Product: Mortgage

So far this calendar year, I have not received mortgage statemets/payment coupons 4 times for payments due on the XXXX of the month. I wrote to the mortgage holder on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to inform them of the issue. Each time, the payment was included with the letter. Today, XX/XX/XXXX, the payment mailed XX/XX/XXXX has not processed. Following the suggestion of the mortgage holder 's customer service staff, I made an online payment, but was charged a {$5.00} convenience fee because I live in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported a late payment for XX/XX/2021. After numerous calls over the past few months and a tech case XXXX. Although it showed there were issues with the bill pay and how the bill was generated and sent to me, Bank of America is still allowing that to remain on my credit report. Despite many years and a consistent history of me paying on time. The first time I called, there was no action taken by BOA despite them telling me they were going to research the issue and I should hear back in 30 days. After that period, I had to call in just to find out that nothing had been done to which I waited another months time to try to get any answer and resolution. During that call, it was established there were some technical issues going on and I was transferred to tech support. Tech support was not able to fix the issue while on the phone and a tech ticket had to be submitted. I was also told that a case was being submitted regarding my dispute with how it was reported on my credit file. I received no new information and called several times. I was told that I would received a mailed letter of the resolution within XXXX week however never received. I had to call again today, XX/XX/2021 only to be told that they are going to allow the late payment to remain on my credit file. Despite apparent technical issues and a tech case to correct that.