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

According to the Fair Credit Reporting Act, AFNI 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: Payday loan, title loan, or personal loan

it began XX/XX/2022. I applied for a stove at carmines appliances. I was sent to Lendmark and they took my information over the phone. I waited over thirty days to find out if I was approved. I went to the store, and they said that I would have to call Lendmark. I made that call to find out that I was not approved because I needed my sister 's income because mine was not high enough. I did not give my sister permission to use my identity or my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX XXXX Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}
Product: Debt collection

This spammer has called me 10+ times in the last month. I have not answered the calls, but they always leave the same voicemail message and not always the same call back number. Here is the script, XXXX this is XXXX XXXX calling from Harrison Harris Limited please contact me or any of our representatives at [ phone number ]. The phone numbers I have received this voicemail message from so far are XXXX and XXXX. 
I checked out the website for the company stated ( Harris & Harris Ltd. ) and it is a real collection agency. The phone numbers I'm receiving the calls from though, do not appear connected to this company. The call back numbers they provided are not the same as the website, nor are they even remotely similar to the genuine companys posted phone numbers. Additionally, there are many internet discussion boards with people claiming to experience the same thing with the exact same script, but using other phone numbers.
Product: Checking or savings account

Bank of America was derelict in their duty of care to its customers when it allowed someone to fraudulently open an account with my name, address and SSN. I notified them of the fraud on immediately when it happened. Bank of America was lax in their internal controls allowing this to happen. Furthermore, BofA has compounded the problem by creating an undo burden to support my claim of identity theft fraud by asking for the following information : Copy of Drivers License, Copy of SSN card, Copy of SSN Statement, Proof of Residency, copy of Police report and original documents. BofA demonstrated poor internal controls in opening the fraudulent account. Why should I trust BofA with any additional highly personal information when they have not demonstrated reasonable care in handling financial information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX {$0.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Im a XXXX XXXX, and works only parttime. Ive paid my car note pretty well, until very recently, when I had unexpected expenses, and fell a little behind. I asked Capital One if they could give me one of those programmes that puts two payments to the back of the loan. They said they could. So the first guy took a payment from me and said Ill be current after that payment. But the company was still calling me after that. When I answered the phone, they said Im still in collections and I had to pay more cause the amount the other agent asked me to pay, wasnt enough. So I paid again! After paying AGAIN, they were still calling me. When I answered, they said Im still in collections, cause the amount the second person gave me still wasnt enough. So I paid AGAIN! After that, I was assured that the loan would definitely be current, two payments would be put to the back and comes XX/XX/XXXX, Im starting fresh! So I called today to make the XX/XX/XXXX payment, and they tell me yet again that Im not current, and Im 31 days late!!! Capital One has been playing games and making a fool out of me!
Product: Credit reporting or other personal consumer reports

I moved into shadow ridge apartments XX/XX/year>. The first week i stayed there my heat did not work and the pipes were frozen from inside the unit. When i reached out to maintenance they told me it was nothing they could do and to keep the oven open to get warmth. Which was insane considering that apartment XXXX was not the apartment i originally signed my lease for. XXXX told me that the unit wasnt ready so i had to move into XXXX. Fast forward, the pipes defrosted and there was a leak from the water. Nothing drastic. Now XX/XX/XXXX comes and theres a leak in the unit above me. When i reached out to XXXX ( maintenance ) he told me it was condensation and to just let it dry on its on. The water had leaked through my walls, the laundry room was flooded. XXXX i got back, my whole apartment smelt like fish by the next day. XXXX came in and put a fan and dehumidifier in the unit to air out and sprayed air freshener. When i spoke to XXXX about it he mentioned that the apartment been had problems with mold really bad which is why it was sitting and no one moved into the unit. Before i could address the issue with the leasing agent who moved me into the unit, she was fired.I booked a trip to see my parents in May in Florida and when i came back my bathroom had black mold. I was only gone for a week. My parents came to the apartment and saw how bad it smelled and saw the mold as well. By the end of may nothing has been done, other than XXXX XXXX tried to send contractors out to paint kilz over the mold. There are photos as well. The whole moth XXXX i had to get hotels, go to XXXX and stay with my girlfriend. I ended up getting sick, tight chest, dry coughing etc. This had all come from the mold. I was told that i wouldnt have to pay for XXXX rent because i didnt stay in the unit. My rent was XXXX and they gave me XXXX days to move out. By XX/XX/XXXX i was out the apartment they had their keys but XXXX months late they put a balance on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. 

I filed a report with the federal trade commission and let the credit bureaus and credit card company XXXX and XXXX  know and attached the report to my dispute. I also disputed these accounts to Experian and attached my federal trade commission to the dispute. 

all credit agencys but Experian has not removed the XXXX account and eversource account from my report. 

The account in question is XXXX XXXX And XXXX account XXXX Experian falsely responded to my original report to CFPB report number XXXX that the accounts Im disputing is not on my report which is not true and a lie. 

Please see attached my most recent credit report from Experian showing both these accounts still on my credit report. Page 31 page 35 highlighted Please see attached my federal trade commission report both accounts are highlighted Please see attached Experian response to my complaint Please remove these accounts from reporting. This is extremely illegal
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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 c
reditor 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 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days 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!
Product: Mortgage

I require a pdf copy of my original fully executed note, deed, and final closing disclosure. XXXX & Flagstar have not provided this information.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I regularly receive email updates from Experian who I have had an existing account with for quite some time. However, I have not been able to access my Experian account and have had difficulty with logging in or resetting my password as it keeps telling me that my information does not match. If I go in to create a new account it will not allow me to do so as it already has my SSN on file and will not create a new account. I have attempted several times to contact customer service but only get an automated telephone tree that guides me nowhere. The only customer service number I have found that people reference was found on XXXX, however, as it is not an XXXX or XXXX number, I did not attempt to use it for concern for fraud. After contacting CFPB, I learned that this number is not legitimate and regretfully it seems that other XXXX  have already utilized the number. I just want to be able to access my credit report and update information so my score doesn't worsen, but it's impossible to get to an actual human being who works for Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off your a bunch of lousy discriminating low lifes Now say you can't handle this one XXXX  and TransUnion are falsely reporting that my car is delinquent with a balance of XXXX. I paid my car off nearly 2 years ago. I have forwarded documentation and the dealership as well a 2nd time. I have been penalized for their deliberation neglect I filed a dispute over a month ago and they refuse to correct my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response  from U S Bank mortgage. I would like for them to provide me with the interest statements reported to IRS from  XX/XX/XXXX - XX/XX/XXXX . I 've pulled all of my tax transcripts. I never received them to file returns. I am trying to take care of IRS. U S Bank Mortgage was added to the bankruptcy court on  XX/XX/XXXX  when  I filed. I filed bankruptcy due to the fraud acts. I needed the courts to sort everything out. I need all of my interest statements on the property at  XXXX   XXXX   XXXX   XXXX . I 've pulled all of my transcripts from   XX/XX/XXXX - XX/XX/XXXX  wit h IRS. A series of payments was made to US Bank Mortgage, different account numbers. The payments was made by  XXXX    XXXX   XXXX   &  XXXX   XXXX . {$100000.00} was sent to US Bank Mortgage o n  XX/XX/XXXX  fr om  XXXX   XXXX . My account was used I had with  XXXX   XXXX , via  XXXX .
Product: Checking or savings account

While I was at work at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I received a call XXXX from a representative claiming to be from Chase Bank. The caller ID listed the number as CHASE and the number was for the branch ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). The representative informed me that my card was charged for {$350.00} at a XXXX XXXX in XXXX, Georgia. The representative informed me that I was alerted because he is aware that I am in the XXXX area. I requested that the card be shut down immediately. The representative agreed and informed me that in the meantime, extra protection will be placed on my account until my new card arrives in the mail so that I will be able to still use my debit card. To initiate this service, the representative asked me for my PIN. I unwittingly gave the PIN to the representative and he then informed me that a one-time test transaction would be done to my account, and that I would be credited the money back within 24 hours. The representative thanked me and ended the call. Upon the sketchiness of the call, I recontacted the bank with the number provided few minutes later. A representative from the XXXX XXXX XXXX branch informed me that no one had contacted me. The representative then transferred me to the fraud dept. where I provided the info of the previous call. A few minutes later, XXXX ( XXXX ) ATM transactions in the amount of {$80.00} each ( total was {$1400.00} ) appeared on my savings bank account. It was reported that the ATM transactions were completed at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I also recontacted Chase fraud dept. after this activity and filed a claim. Both cards for checking and savings accounts were closed and new card numbers were issued. OnXX/XX/XXXX, I filed a fraud claim with Chase Bank and on XX/XX/, my claim was denied on the basis of lack of evidence. On XX/XX/, a police report has been filed with the XXXX Police Department
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> To : XXXX Equifax XXXX XXXX : Notice of Inaccurate Reporting and Request for Removal of Unverifiable Accounts Dear [ XXXX/Equifax/XXXX XXXX XXXX I am writing to inform you of the results from my recent dispute with XXXX regarding XXXX charge-off accounts that were previously reported on my credit report. Following my dispute, XXXX conducted a thorough investigation, which concluded as follows : XXXX XXXX XXXX XXXX XXXX {$21000.00} Investigation completed on XX/XX/year> ; account was deleted from my XXXX credit report. 
XXXX XXXX XXXX {$2000.00} Investigation completed on XX/XX/year> ; account was deleted from my XXXX credit report. 
Given that XXXX determined these accounts to be unverifiable and subsequently removed them from my credit report, I am requesting that you review your records and remove them from my credit report as well. Their continued presence on my credit report may violate the Fair Credit Reporting Act ( FCRA ).

Consumer Rights and Legal Obligations Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information they report and must remove or correct any unverifiable information. The deletion of these accounts by XXXX indicates that they were found unverifiable. As a result, your agency is obligated to remove these accounts to comply with the FCRA. 

Action Required I am requesting that you perform a review of these accounts and remove them from my credit report if they can not be verified. Failure to comply with this request may constitute a violation of the FCRA and could subject your agency to potential legal consequences as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual or statutory damages and attorneys fees for willful or negligent violations.

Timeline for Compliance In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), please ensure that these unverifiable accounts are removed from my credit report within 30 days from the date of this letter. 

Request for Confirmation I request that you provide written confirmation by [ insert a date 30 days from the date of this letter ] that these accounts have been reviewed and removed from my credit report. If you do not remove them, please provide a detailed explanation of why they remain on my report. 

Attachments Copy of XXXX written confirmation of account deletions. 
Any relevant supporting documentation related to this dispute. 
Thank you for your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. I look forward to your response. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ] Enclosures : Copy of XXXX deletion confirmation Relevant documentation
Product: Credit reporting or other personal consumer reports

ive been a victim of ID theft and ive tried multiple times to dispute these items off my credit report however XXXX, XXXX, and equifax will not remove these items, its been more than 30 days since i sent in my disputes, i wish to have these items removed ASAP, enclosed with this complaint is my ID theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I attempted to sell my vehicle to a dealership. There is an existing payoff amount. The price offered exceeded the payoff amount. While the transaction was in progress, my payment to the lien holder was returned causing the payoff amount to the lien holder to change. The sale amount did not change just the difference in the amount out of the proceeds that would go to the lien holder vs. to me. 

When the dealership allegedly transmitted the payment, it allegedly was rejected because the payoff amount did not meet the threshold for the payoff. 

The dealer requested another payoff that reflected the settled account amount. 

The issue is that the lien holder/bank [ CAPITALONE AUTO FINANCE ] disclosed detailed/private account information that under their privacy policy would not have been permissible. The mis-used the information in my account/credit file. 

The lien holder disclosed to the dealer that a payment in the amount of {$960.00} was returned for non-sufficient funds. This provided the dealer with damaging information about the details of the account and I believe they are leveraging against me to my detriment. I was not seeking credit from the dealer, so there was no justifiable cause for them to mis-use the information in my account history. 

The standard practice, according to " DealerTrack '' is to provide the dealer with the following information : [ email attached ] -- -- -- -- -- - We did the final requote and verification for the following : Customer/Borrower : My Name VIN : Last XXXX Digits At the time of requote, the amount owed that was returned from the lender was not within the allowed threshold ( possibly due to payments, fees or other charges to the account that were not settled at the time of the initial quote ) and was refunded to your account. 

You will need to resubmit the transaction in order t receive the title. 

-- -- -- -- -- -- I believe that this disclosure violated my privacy protections under the Fair Credit Reporting Act and possibly other federal regulations.
Product: Checking or savings account

After reviewing my EWS report I notice Chase accounts I am not familiar with or have access too. I have included a letter sent to EWS requesting Validation of these accounts. No such information was sent to me. The letter attached has all of the information of the accounts listed in my EWS report and me requesting validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last time I am sending this letter to your company, Transunion, before I sue you for violating my rights as an consumer. Remove the alleged account below from my consumer report as you are in violation of 15 USC 1681b, being that I, the consumer, did NOT give you WRITTEN instructions to include this alleged information on my credit report. You are also in violation of 15 USC 1681a as it looks as though this alleged account is from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion is also in violation of 15 USC 1681c-2 as you refused to block this information within 4 business days of the receipt of my identity theft report even after I called and it was verified that your company received my documents and was then told that your company policy says 30 business days ... well that is NOT what the law says. Transunion is also in violation of 15 USC 6801 as both you and the creditor of this alleged account are apart of constructive fraud while simultaneously causing substantial harm to me as a consumer. 


XXXX XXXX XXXX