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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you, the ( TRANSUNION ) credit reporting agency, 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. 
These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge-offs as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA AND FDCPA laws.
Product: Debt collection

During the Covid-XXXX Pandemic I did not take XXXX dollar of unemployment or PPP funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the Covid-19 timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

My address should only be XXXX XXXX XXXX XXXX XXXX Tx XXXX My Employer is XXXX XXXX XXXX XXXXXXXX XXXX number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is DBA - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both XXXX and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to XXXX shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )
Product: Credit card or prepaid card

There was a fraudulent account opened my name back in XXXX at Home Depot ( Citibank ) I wasn't aware of the account until XXXX. I was informed by Citibank the person who opened the account, dates opened, statements, their email and phone no. I submitted all this information to the XXXX Police Dept. ( case no. XXXX ). Citibank has failed to corporate with the XXXX Police Dept. by submitting the documentation and information of the person who opened the account. Citibank has turned this account over to many credit agencies which is damaging my credit. I have submitted my signature and information provided to the police dept. Citibank claims they have done an investigation and finds this is my account which is false. What investigation? I never been contacted by their XXXX department. They have transactions where someone was making payments per XX/XX/XXXX statement, which they can track. I keep getting letters that I owe them {$4100.00}. This is a fraudulent account and I want it removed from my credit report. Citibank has this person information and has failed to provide the information requested to resolve this matter.
Product: Checking or savings account

On XX/XX/24 I made an appointment to access my safe deposit box located with and at USAA Federal Savings Bank, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX ; Safe Deposit = XXXX ( XXXX ) XXXX. I was advised over the phone to bring my safe deposit box key and identification ( nothing more ). I arrived early and was greeted by XXXX XXXX XXXX. I presented my TX drivers licensee and key. With that, I was not granted access to my deposit box. 
Instead I was asked, " What is you annual income? '' I responded, " What does that have to do with gaining access to my safe deposit box? '' She did not provide an answer, and said that for me to gain access, I had to answer the question. I asked, on what basis, and what business is that of yours anyway ( USAA )? She said that it was a requirement of USAA and they wanted to know their customers ( I have been one for 52 years -- they know who I am already. ) I then stated I would gain access by simply closing the safe deposit account. She responded that I could not do that until I first disclosed my annual income. 
I requested to talk to her supervisor. This was initially denied. XXXX XXXX then appeared after a 45 minute hassle. She repeated the stance. I asked for their legal authority. She responded that it was in the safe deposit agreement that I signed. I asked that she show me. She departed only to return to say, " it is not in there. '' So I again demanded access. It was still denied. 
So I said what is the authority that you deny me access. She said that it would be in the Patriot Act and I should go look it up. I replied that such was not an acceptable response and I requested that a USAA rep meet with me immediately who could justify the denial access. This was refused. 
I was then told they would waive the requirement if I wished to close the account. I chose not to do that and departed without access. XXXX XXXX said she would forward my concerns. 
This is an illegal intrusion into my privacy. I was not applying for a loan, only to access my safe deposit box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans union regarding this account notifying them that this account was not mine I never attended this school. I asked Trans union to verify this but they verified it was my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
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 a FRAUD yet I have an Items passed on that should be taken out or Block. 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 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 XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a victim of Experian Data Breach. The company is allowing fraudulent accounts I disputed to remain on my credit report after I sent in a FTC for the accounts. I spoke with Experian and was informed to follow the instructions given to me to remove the accounts and the company have not removed the accounts.
Product: Debt collection

Someone used my name, information to for utility bill. The amount is {$310.00}. The date due was XXXX XXXX. XXXX is the utility company that was used in Michigan. The company sent what is owed to Penn Credit Corporation.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

3 of my credit cards are not being shown in my Experian and XXXX Credit reports. However they are being shown in XXXX report. 

When enquired with the credit card companies, they informed me that the credit cards are being reported. 

When enquired with experian and XXXX they are saying they are not seeing the same. 

This might be because of names mismatch b/w the credit cards and what is in the report for experian and transunion. 

In XXXX report, however I see the both the names in listed names. Hence see the cards in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing errors and inaccuracies on my credit report for many months. The agency, EQUIFAX, has not resolved the issue within the timeframe established by law. Instead of conducting a proper investigation, every time I dispute the inaccurate, erroneous, and false information on my credit report, they only move the items from one place to another, prolonging the response time. 
This damages my name, my character, and greatly harms me by causing financial losses due to these intentional or negligent errors. 
I have lost financial opportunities and experienced significant emotional stress, having to deal with an issue that should have been resolved long ago if only EQUIFAX would fulfill its obligation. 
I have the dispute process thoroughly documented, where I can demonstrate all the letters I have sent, as well as all the violations committed by EQUIFAX and/or furnisher, including stall letters, willful and negligent non-compliance.
Product: Mortgage

I believe it was on XX/XX/XXXX that I called XXXX ( subserviced by M & T Bank ) Recently my mortgage has been taken over by this company. With the previous service, I pay my mortgage in two payments the XXXX and XXXX of each month. I also pay a little extra that the other bank would apply to my mortgage when the extra amount accumulated to a full mortgage amount. 
However this new servicing company does not seem to be able to figure out how to process my payments and now after calling and trying remedy and explain the situation, I am being charged late fees of {$22.00} and my mortgage bill for XXXX  says I owe {$1800.00} when my total mortgage payment is {$920.00} each month. 
Please assist me with having this company pay my mortgage payment in a way that is best for my budget. I have never had a late payment and my mortgage is always paid in full by the due date each month. I told the banker on the phone I could pay more in advance to be " ahead '' in my payment so I wouldnt look late in their system. However that wasnt seen as an option at the time. 
Thank you,
Product: Debt collection

First, I pay health insurance through my husband employer, and we have had XXXX XXXX as our primary insurance for over 20 years. What I understand about the process between the doctors office and the insurance is that there is a contracts between my provider, which is XXXX XXXX and Doctors facilities. In addition, I do have a secondary insurance through XXXX, which my provider is XXXX. I always make sure that after 20 years of problems to make sure the doctors office has all my insurance information, which includes the doctors office having a copy of both insurance cards. XXXX is my primary insurance. Im positive that is what I told XXXX XXXX billing. 
When I started to received bills from this office, I just threw them a way at first because I figured that this had to be a mistake and that they would eventually get everything straightened out on their end of things. Then I called the doctors office an asked what this was about. The employee was rude and disrespectful the whole time on the phone. The man whom I talked to in the billing department said that back when Covid was going on their employee who did the billing didnt come back to work, while I am thinking, I can not do anything about the doctors office procedures in billing. I literally can not produce invoices or file claims for a business of medicine to my insurance for payment because I dont know medical codes. 
Once I give the insurance information correctly to the billing office and because they have a contract with the insurance company, it now becomes a communication problem between the provider and the insurance company where I dont usually get involved. Knowing that the Doctors office has experience and good people who knows how to file claims to the insurance provider. If the doctors office make a mistake, usually filing XXXX first, when denied they turn around and file the claim with the other Insurance company, which always pays first. I have found out through XXXX XXXX and talking with XXXX XXXX on a chat call about this bill where she said that XXXX XXXX and XXXX  XXXX office had never even filed a claim. I also found out that the doctors office must file the claim within an agreed time frame which they give up to a year to file with special circumstances. Also, the Insurance company pays the agreed amount between the two business not just what the office charges. According to XXXX the contract states that the provider agrees to correctly submit the claim in the amount of time given and that the balance is not required from the patient because the doctors office did not file within the time allocated. Please look this up on XXXX website..
Product: Debt collection

I checked my credit report and there is a debt collector trying to collect a debt that i have no knowledge of i have never signed a contract with them nor any if there affiliates
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian : XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

I have asked them to provide me validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 ( g ), which requires debt collectors to provide consumers with certain information and rights related to debt validation.. I recently received your communication regarding this debt on [ date of correspondence ], which stated the amount of stated amount owed to original creditor 's name. They have not provided information asked for.

Validation of the Debt : A detailed accounting of the debt, including the original amount, interest, fees, and any payments or credits applied.

Identification of the Original Creditor : Documentation establishing the original creditor, including proof that you have the authority to collect this debt.

Proof of Your Authority to Collect : Copies of any agreements that demonstrate your authorization to collect this debt on behalf of the original creditor.

Verification of My Responsibility : Documentation that establishes my legal obligation to pay the debt, such as a signed agreement or contract.
Product: Debt collection

Attached is a Notice of Intent to Sue along with the lawsuit that will be commenced against I.Q. Data International , Inc on Tuesday XXXX XXXX XXXX for violations under the FDCPA if this matter is not rectified by the date listed above in Federal Court. My correct Contact information is listed in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

The  Huntington  Bank bill pay recorded a payment to our condo association of {$220.00} on  XXXX   XXXX ,   XXXX  . They tell me they sent a check that was never cashed. Apparently that is the extent of their responsibility to me as they stated they are not responsible for the late fee we have incurred or so I was informed by a CSR supervisor this evening,  XXXX .     But what really concerns me is that on that date they wash the funds from our checking account into a  Huntington Bank account and debit my account that time. It is now nearly 24 days later and the money is gone from my account but still resides in the Huntington bank account where I assume they accrue additional float on the funds not available to me. Prior to Huntington  bank purchasing  XXXX   XXXX , the  XXXX  bill pay sent checks from our account and did not record the payment until the check was cashed thus providing us the ability to know that a check was not cashed in a timely fashion and to inquire as to why.     They tell me I agreed to this process in the transition from  XXXX  to  Huntington  as it was likely in the " fine print ''.     I am certain what they do is quite legal if not moral. Our monies are our monies until a creditor decides to cash a check we have sent time or that the bank, through its bill pay service, sends them.     Shame on you Huntington.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting me as late/charged off/past due even though my balance with this account is reflecting and showing {$0.00} balance and has been for some time now as it pertains to all 3 of my credit reports.
Product: Debt collection

I have already tried before to resolve this fraudulent account with this company. This account is a result of fraud. I have never conducted any business with ERC or XXXX. Its not my debt, and their still reporting it on my credit. I demand a copy of the original contract with my Signature. They are in violation of the federal and state Fair Debt Collections Practices Acts. If they can't or refuse to provide the original contract with my signature binding me to this entity. Which means they are also reporting inaccurate information on my credit profile, which is a violation of the Fair Credit Reporting Act and must be deleted within XXXX days. This is my last time requesting this fraudulent account be removed. I will proceed with legal actions if this isn't rectified expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.