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

XXXX never gave me a chance to settle, cure the debt before reporting to all three major credit bureaus. 
Causing a negative impact to my credit score, dropping score XXXX points I had an exceptional pay history of over eight years never late never missing a payment on all three credit bureaus, XXXX, Trans Union and XXXX. I was never notified that. 
the account was sent to or transferred to collection. Account was paid in. 
full and closed, because I moved, and XXXX services was not in the area for service I had moved from XXXX to XXXX  XXXX miles I haven't had time Or reason to check any email Especially from a bill that I assume was paid and closed. I found out through credit reporting product, that I paid for each month alerting me that my credit score has dropped XXXX points. XXXX failed to give written notice of the debt and fell to validate the debt when requested. After filing a dispute with XXXX credit reporting agency, they fell to remove the collection off my credit file, which will stay on my credit for seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my XXXX, XXXX, and Transunion Credit Report. 
I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1700.00} XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I opened a city priority account which requires a minimum Balance XXXX to avoid the monthly service charge, I was told by a banker that they would be able to transfer my brokage account that has a balance of XXXX, the process never happened that way, i initially opened the account with XXXX dollars but it was closed and i was charged XXXX dollars for each month the account was never in use as i was waiting for the transfer from the banker I spoke with, at this point i would like to get a refund of all my fees that equal to XXXX dollars was told that of the account was open they would be able to give me the cash but because it was not open that they would not be able to i am hoping that you can get involved to help thank you
Product: Credit reporting

Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that were opened fraudulently opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was asked by a landlord to send them my credit report via Experian Connect. I was not able to do so because there was a fraud alert on my account. Because of this, I was not able to send it. 

I reached out to Experian. It took me two hours to get ahold of a live person. That live person suggested " to not use a fraud alert ''. I talked to about 10 different people before someone who knew this service existed. I asked her " With only a fraud alert, and no security freeze, my report is accessible, correct? '' She confirmed. I asked why Experian Connect then did not allow me to use the service. She did not know. There was no contact number for Experian Connect - only an email ( which Experian gave me the wrong email for ). 

I believe it is against the FCRA to deny me usage of that application because of a fraud alert. I had to lift my alert to use it - which I did not want to do. I have reached out to Experian Connect and expressed my displeasure, but have not heard back.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I opened an auto loan account XX/XX/XXXX my remaining balance was XXXX of XX/XX/XXXX of which I paid off early with good standing but equifax has my account listed as account closed and doesnt Appear on my report as a paid off loan its like my account never Existed whats the point of reporting things to the Credit bureau if its going to be this way that was my first account to establish my credit something has to be done about this
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian on XX/XX/XXXX. It was received on XX/XX/XXXX ( as shown on certified receipt ). Experian blatantly ignored all of the inaccuracies and violations which were pointed out to them in said letter and continued to report the exact same inaccuracies and violations on my subsequent credit reports ( XX/XX/XXXX and XX/XX/XXXX ). Their failure to remove inaccurate information is severely impeding my ability to repair my credit. My credit report is riddled with inaccurate information which they are purposely reporting! I will attach a copy of said letter as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find out that the same accounts on my credit report was inaccurate when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ) To Whom It XXXX Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my XXXX credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA XXXX ( b ), XXXX U.S.C. XXXX, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/year> I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX and FCRA XXXX ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Since XX/XX/XXXX ; we have had no success with Shellpoint Mortgage Servicing in trying to ascertain a modification. Nonetheless, their primary duties are debt collection ; and now they are trying to foreclose on XX/XX/XXXX. However, the Texas foreclosure procedures attached for homeowners stipulate " home equity '' loans foreclosure procedures are to be conducted " judicially ''. However, Shellpoint Mortgage Servicing is violating our rights by trying to foreclose " non-judicially '' ; and keep talking about they are relying on the deed of trust when we have not received any bills for the deed of trust and thus is not delinquent. Moreover, XXXX  is not the trustee for the deed of trust but of the XXXX ; asset backed home equity loan. This is why it is crucial for homeowners to have a judicial hearing ; Judges makes split decisions in these matters not the lender ; because Shellpoint is falsely stating a new contract is not required for a home equity or line of credit ; they are not expert in these matters and a Judge needs to make that determination not Shellpoint. Also Shellpoint 's notices of sale are completed improperly ; they do not list the substitute trustee 's address ; or list Shellpoint 's name properly as seen in the attached ; which should read : XXXX XXXX XXXX, XXXX dba Shellpoint Mortgage Servicing. Shellpoint is trying to railroad us into an illegally foreclosure ; all because as debt collectors they refuse to verify debts as required by FDCPA. Also, Shellpoint is stating 12 CFR 34.83 ;  does not apply to them ; they like to pick and choose which statutes they will follow and we need court intervention.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX  : U S DEPT OF EDXXXX XXXX {$1200.00} U S DEPT OF EDXXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXXXXXX {$110.00} XXXX : DEPT OF ED / XXXX XXXX {$0.00} DEPT OF ED / XXXX XXXX {$0.00} US DEPARTMENT OF EDU XXXX {$2000.00} US DEPARTMENT OF EDU XXXX {$1100.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$640.XXXX XXXX : DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX {$640.00} UNAUTHORIZED XXXXXXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding how Zelle handles disputes. Especially after seeing the lawsuits, I realized I am able to speak up on this matter. Zelle and XXXX had been terrible to work with, not letting me get my money back or investigating my claims as they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Capital one late payments : I want all late payments removed immediately.
Product: Credit card or prepaid card

I received a letter on XX/XX/XXXX, stating a credit had been issued for a Citibank card that my daughter was rectifying, and that the account was closed. No where on this letter does it state that there was a balance due on the account. Prior to this letter, I had no knowledge there was a balance owed on this account, or that it was in arrears. 
XX/XX/XXXX, I was contacted by a collection agency for a Citibank card for which I did not possess with a balance of {$5900.00}. I did not receive a statement from Citibank for any outstanding charges on this account. 
I contacted the collection agency stating that I was processing a dispute with all 3 credit bureaus. Also, I disputed 2 addresses on my credit bureau reports listed in Maine, and contacted the FTC to inform them of this fraudulent activity. 
I sent a registered letter to the collection agency informing them of the actions I had taken with the FTC and credit bureaus. 
On XX/XX/XXXX, I contacted Citibank and spoke with a representative who informed me that I was responsible for the balance on this card and should pay the full amount. I was then transferred to another department and was told that I could fax a letter to Citibank asking to see a list of charges. 
On XX/XX/XXXX, I received a voicemail from Citibank. I listed to the message 3 times and my husband listened several times but neither of us could understand what the person was saying. 
On XX/XX/XXXX, I sent registered letters to the Chief Compliance Officer and General Counsel listing the information as I know it, and asking for assistance. 
As of XX/XX/XXXX, I have heard nothing. 
However, on XX/XX/XXXX, I received via XXXX a statement from Citibank with no charge detail, just a general billing statement. 
I have no idea what was charged or if there was any fraudulent purchases on this account. No one at Citibank was able to tell me what was charged or amounts for each purchase. 
As of XX/XX/XXXX, the Maine addresses have been removed from my credit bureau reports.
Product: Credit reporting or other personal consumer reports

Someone submitted a XXXX Application with my name, social security number and address and was granted a XXXX XXXX and XXXX student loans by federal student aid servicer XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The person also applied to the University XXXX XXXX and I believe provided a falsified XXXX XXXX XXXX 

I have filed a police report, an identity theft report with the FTC and have disputed the loans with the Department of Education.
Product: Credit reporting or other personal consumer reports

The accounts listed are not mine and were unauthorized. These accounts were open without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On my credit report it states that I owe reliable credit since XXXX, when looking into this credit account it states that the creditor closed the account and the account has been written off. In XX/XX/XXXX the collection agency for reliable credit garnished my wages without notification of the debt being owed, I was supposed to be served paperwork if I was going to be sued which I never received. I was under the impression that if a company writes off a debt that it was supposed to be removed from the credit report not continue to report on my credit for 6years? Can you please look into this and correct this debt or remove it from my report. Please and thank you.
Product: Credit reporting

I have been trying to obtain a car loan for almost 4 months. The car loan company pulls Equifax. When they pulled my Equifax report, the finance manager said my score was XXXX and I had not XXXX open account on my Equifax report. I called Equifax 7 times and after sending my ssc card and picture Id. Equifax told me I have too many accounts and that there were XXXX partisans to my report. XXXX with a lot of accounts and XXXX that apparently the car dealerships were seeing. Equifax took not fault to this and said the creditors need to report better, there was nothing they could do. Well, I have called all the creditors and they have been reporting to Equifax. All the creditors said they are reporting to XXXX bureaus. I have noticed from alerts and services I am currently enrolled in with XXXX and XXXX, that they ARE getting the creditor info and doing their job by reporting it. EQUIFAX IS NOT!! Equifax is not fixing this, so I called once more and still NOTHING.I would appreciate you doing anything you can to get this mix up straight. All I want is for Equifax to do their job. It is that simple
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$270.00}, {$39000.00}, {$48000.00}, {$960.00}, {$8000.00}, {$19000.00}, {$390.00}, {$0.00}, {$12000.00}, {$8200.00}, {$25000.00}, {$16000.00}, {$71000.00}, {$1200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- PERSONAL ACCOUNT 12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$71000.00} -This is not my account. 

15. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.