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

I called the credit reporting agencies including XXXX, Experian, and XXXX to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave Experian, XXXX or XXXX permission to put the following accounts XXXX XXXX  ( Account # XXXX ) and XXXX XXXX/ ( Original Creditor : XXXXXXXX XXXX XXXX XXXX on XXXX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

XXXX, Experian, and XXXX are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A.

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.
Product: Vehicle loan or lease

USAA repossessed my vehicle and now refuses to accept payments from me through its app and web portal. Every time I try to pay I am greeted with a 16:2942 error refusing to accept payment. Customer service was nonresponsive. After refusing to accept payments, USAA now has begun charging me late fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  no XXXX XXXX XXXX Acct no XXXX XXXX card Acct no XXXX XXXX XXXX Acct no XXXXXXXX XXXX XXXX XXXX  Acct no XXXX They have violated my rights.

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

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 USC 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: 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX CHILD SUPPORT XXXX XXXX Balance {$0.00} CHILD SUPPORT XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/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 XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a complaint about identity theft and unauthorized hard inquiries on my credit report. 

The inquiries occurred without my knowledge. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act information must be 100 % accurate and the hard inquiries that are in question were not properly investigated by the credit reporting agency. 

The list of inquiries above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account WELLS FARGO BANK. I contacted the data furnisher and CRA requesting a to review my account. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX XXXXXXXX XXXX, a couple store credit cards and an old XXXX bill that was sent to collections that I disputed directly with the company.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Please remove all fraudulent accounts. Than You XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXXXXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In accordance, under subsection 809, section 1692g of the FDCPA guidelines : collectors are required to send a " dunning letter '' ... or notice of debt to a consumer & make certain that they receive it, & /or initial phone calls for first contact to obtain a valid mailing address. I should have been provided with at least the basic information such as the original creditor, the original debt amounts and notice that I had 30 days to ask for validation of the debt BEFORE this collection was ever reported to my credit. I have never received this from your company. I was also never given the chance to exercise my right under FDCPA to have this debt validated or disputed. Instead my credit has been hit by XXXX XXXX stating that they were assigned to me by a creditor to collect two sums. One being for a total of {$180.00}, the other {$50.00}. After checking my credit reports, i seen these discrepancies & tried to correct them I sent via cert mail on XX/XX/2018 after speaking to you to aqcuire my full account numbers for reference & to state I Never received Any notices of said debt ( s ) from their company by mail & no phone calls ... 
This is illegal since I didn't get this option due to lack of effort on your behalf to hold up your legal obligation of notifying me of said debts you believed to be mine that you bought from the original creditor! Under FDCPA rules there are guidelines that all collectors have to follow to collect a debt and XXXX XXXX has failed to do so in collecting proper forms of contact for me & reporting this as a debt that's supposedly owed by me, to the credit bureaus.
Product: Mortgage

I am set-up with Ditech with their automatic biweekly payment option offered through their website, and all payments are current, have been timely made in total monthly amounts that exceed my static mortgage payment obligation that does not change as I do not impound and have a fixed interest rate. I can provide documentation upon request of my recent statements and payment history. Despite their own payment history showing me as current, Ditech has issued me a billing statement on XXXX/XXXX/2016 indicating erroneous past due amount and a {$83.00} charge for " late fee. '' When I called their customer service number, at XXXX and spoke with representative " XXXX '' in South Dakota, I was told that many people are having this problem as a result of a new computer billing software Ditech just started using that is not properly accounting for payments and is charging late fees even though payments are current. She confirmed that my account is current and has not ever been delinquent and that she would remove the erroneous late fee. Although I was informed they would rectify their error today by crediting the erroneous late charge, I was told that this may continue to happen again next month, but just to call back again next if/when their computer software charges an erroneous late charge, if I want to be credited for future erroneous late charges as a result of their flawed new computer software. I inquired as to what Ditech intends to do about erroneous late charges billed to other customers due to their " new software issue '' that do not complain / call to request credits and was led to believe that Ditech did not have any plans to take any pro-active action to rectify the situation and properly credit accounts that are current. Nor, was any time frame provided as to when their new computer software issue would be fixed so as to not charge erroneous late fees. I was not satisfied with this response, or the lack of operational control concerning non-functioning new billing/payment software. Furthermore, the representative asserted to me that this was " not Ditech 's fault '' that their new payment/billing software program does not function properly, which I found quite preposterous and unacceptable in light of Ditech 's responsibilities as servicer of the mortgage. I am respectfully requesting the CFPB investigate these troubling issues concerning Ditech 's business practices concerning erroneous late fees being billed to non-late borrowers and not being pro-actively reversed as a result of their " new billing software '' issues. Thank you in advance for your time and service.
Product: Checking or savings account

After trying to access my online bank acc.at Chase bank I was told it was blocked then after I had it unblocked I was informed my checking acc. was being closed after several phone calls to the bank i got different answers to what was wrong everytime after a personal visit to a branch office i was told they already began to close my acc.and was not not giving a specific answer to as why it happened now I'm not going to be able to open another acc. any where this is very unfair as I have not done anything that has caused anyone any harm.I rate Chase bank on a scale from 1 - 10 a big fat zero! I have suffered mental anguish and feel as if I have been badly mistreated.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I signed up for the Coronavirus relief program with my credit card with XXXX XXXX. I have a document from The bank confirming this, and an additional e-mail on XX/XX/XXXX stating my relief has been extended for 3 months I do not need to make payment for 3 billing cycles. 

Despite this XXXX marked me as being late on my XXXX monthly payment. This is incorrect and is significantly damaging my credit score. 

This has been disputed twice in writing and over the phone with the company. This late payment must be removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The company states that I have n't payed them off. I have. They are threatening and harassing me. They are threatening to come to me work place and take legal action. I know they were paid off years ago. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they took out XXXX from my checking account. There is no way I could have even borrowed that much money. If anything I have already over paid, even with interest. They say I owe one more payment and that they will go to my work place to collect.
Product: Debt collection

My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from Forster and Garbus, LLP. 

First, Forster & Garbus, LLP recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay XXXX ( please see attached of my wife previous job letting her go ). 

In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by Forster and Garbus and the XXXX, XXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and Forster and Garbus, LLP & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment. 

As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved. 

The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment. 

Moreover, I have filed a complaint with the New York City XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from Forster & Garbus, LLP over the years and to now for them to file a lawsuit and not properly notify me is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, and repaired. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank closed both of my credit cards with no notice and confiscated my Thank you points. They claim the reason was due to security risk. I have never been late with any payments. Always paid in full. No blemishes on my credit report, XXXX fico.
Product: Checking or savings account

I have received a debit card from Citibank, a bank I do not use. I called them and they told me that there was an account opened under my name and with all my personal information. 
that account was opened on dic XXXX. I was out of the country at that time. I told them to cancel the account. 
the problem is that who ever did this has all my personal information SS, address, phone number, everything. 
Please tell me what else can I do to report this
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/DEPT OF ED, XXXXDEPT OF ED, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Details of the Dispute : Creditor : XXXX XXXX Account Number : XXXX Status : Charge-off Issue : The account has been reporting for over 7 years from the Date of First Delinquency ( DOFD ), violating FCRA Section 605 ( a ), which states negative accounts must be removed after 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just been denied credit because of a negative medical debt reported on my credit file by XXXX XXXX and Equifax. I have tried repeatedly to get XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to verify an negative item they reported to Equifax to verify this debt per the FCRA. I have also repeatedly asked Equifax to verify this negative information as well, but Equifax claims they have verified this. Obviously Equifax is not doing a reasonable investigation per the FCRA and not sending me any documentations to prove that. Neither is XXXX XXXX XXXX. In Accordance with my Federal Rights I am entitled to this information and if it can't be provided this information is to be deleted.
Product: Mortgage

We purchased a home on XXXX/XXXX/2016 and the loan was to go through NTFN. Our rate was to be 3.75 % which we agreed on and signed on the paperwork that was sent to us 3 days prior to closing. When we went to the closing table at XXXX on XXXX/XXXX/2016 the closing paperwork on the loan had been changed reflecting the interest rate was at 3.65 % and we had to come out of pocket more money at the closing table. This was not what we agreed on nor what we wanted. This in my mind should be illegal if it is not, but I am pretty sure it is since we had to wait 3 days to close after we had received the paperwork from NTFN.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please accept this formal Request for Information under loan number XXXX. Please provide a complete life of loan accounting for loan number XXXX from inception through XX/XX/2019. Thank you, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I got a card.com card specifically for the XXXX they offered to me and my friend the referrer if I satisfied their direct deposit amount by a certain date. I got the dd info immediately online they said I could set it up even before my card came in mail I gave it to my employer and they tried to do my pay it wouldn't work .I never got my card and I had moved so I called them to advise and that my dd wouldn't work they said they would send a new card and to try dd again I did again my employer tried it didn't work. I got a card and after 3 attempts my pay went on there but then they never gave me or my friend the XXXX and when I called about it they denied us because its only for " 1st '' time 1st card issued. Because I never did get my card the first one nobody knows still where it is, and tgey had sent a second card which I have now they say im not eligible! Thru no fault of mine, the card I have was and is my first account and card with them they know I never received first card, they are calling this card my 2nd card! They are rude and wouldn't link me to anyone for escalation so I quit routing my pay to card and now tgey keep charging me every month a service fee for not having my dd now I am on unemployment and I need that XXXX for me and my friend .we met their requirements and I have never gotten or been able to use the first account because I never got a card XXXX is their number XXXX bank is issuer through card.com.
Product: Debt collection

Reporting a XXXX XXXX  account under my informstion This account is mot mine