23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called BARCLAYS BANK DELAWARE Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names. 

I have tried to explain that I have never had any type of credit card, in my name, in my entire life. 
But, after this BARCLAYS BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX  accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer.

My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for. 
I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.
Product: Credit card

This negative item does not meet the XXXX reporting requirements. I do not recognize how and why it is reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX XXXX collecting {$480.00}
Product: Credit reporting or other personal consumer reports

I requested that the Experian credit agency remove collection accounts from companies that I have not done business with or have a contract agreement with. Pursuant to 15 U.S. Code 1692 ( part of the Fair Debt Collection Practices Act - FDCPA ) They refused to remove these collection accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my credit report and to demand immediate corrective action due to the exposure of my personal information as a result of the Equifax data breach, which occurred in 2017. As you are aware, Equifax reported that sensitive personal data, including Social Security numbers, birthdates, addresses, and more, was compromised during this breach. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any credit reporting agency block any information on my credit report that has been the result of identity theft, including fraud that may have occurred due to this breach. The FCRA mandates that this information be promptly blocked from my credit report, and I demand that all affected accounts, fraudulent or otherwise, be immediately removed. 

To clarify my position : The data breach has exposed my personal information to unauthorized individuals, making it possible for fraudulent accounts and activities to appear on my credit report.

Section 605B of the FCRA specifically gives me the right to request the removal of any information that is a result of identity theft, including any fraudulent accounts or inquiries. The law is clear : if the information in question is a result of the Equifax breach, it must be blocked and removed from my report without delay. 

I expect immediate action to ensure that my credit report is thoroughly reviewed, and all fraudulent entries related to this breach are removed and blocked per the FCRA guidelines. 

I trust you understand the gravity of this situation and the significant risk it poses to my financial well-being. Your prompt compliance with my request is not only a matter of protecting my rights but also fulfilling your obligations under federal law. 

Please provide me with written confirmation that all relevant fraudulent information has been blocked and removed from my credit report, along with a detailed explanation of the steps you have taken to resolve this issue. 

Failure to promptly and adequately address this matter will leave me with no choice but to seek legal remedies, including the Federal Trade Commission ( FTC ), and pursuing any other available legal action under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. A representative XXXX from XXXX called me to get payment from a loan my ex husband took out for our daughters college tuition. He applied for that loan in XXXX from Wellsfargo. Since then, Wellsfargo sold the loan to XXXX. I talked to XXXX to let her know that my name was signed electronically and she said there is nothing she can do. XXXX admitted on a recorded line that I did NOT co-sign on that loan for my daughter. Now, I have a missed or late payment on my credit for something I have no dealings with. Here is the contact person at XXXX to validate what the conversation was about on XX/XX/XXXX around XXXX XXXX XXXX Recovery Specialist II XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute on XX/XX/2018 for investigation with the credit bureaus to validate a bankruptcy that they are reporting on my reports. The credit bureaus have responded on XX/XX/2018 with no proof and only responded that they have verified with the US Bankruptcy court that they have verified a bankruptcy. They have also said they verified with XXXX XXXX and I have proof that my XXXX XXXX file was suppressed due to identity theft and did not verify anything with them. I have attached proof that my XXXX XXXX file has been suppressed, letter from US Bankruptcy court, & correspondence with credit bureau.
Product: Credit reporting or other personal consumer reports

I am tremendously saddened by the result of my previous complaint. My credit score is still not enough to get me a new loan, and this is weighing on me more than anything.
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 EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX XXXX Account # XXXX with a balance of {$0.00}. This account was previously reported as fraudulent and was removed from my credit report on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate, and the re-reporting of this account constitutes a violation of that law.
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 {$3300.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Hello I saw your response on CFPB and you did not delete everything : Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. 

I read your response and it is inaccurate. I still see 5 XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX one is listed as ending in XXXX XXXX is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see XXXX XXXX  XXXX XXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see XXXX wrong addresses ( XXXX XXXX  and XXXX XXXX  ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud.

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Product: Debt collection

Portfolio Recovery Associates have been calling me at least daily. This is for a debt that isn't even on my credit report and for a debt that is over XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under U.S.C. section 1681 I ask these things be removed from my credit. Please and thank you
Product: Debt collection

On XX/XX/18 this derogatory collection was put on my consumer credit report this is not my debt and was Fraud in this account. for {$500.00} that was sent to a collection company. I have spoke to this company with no avail of responding several times. Under the FCRA guidelines they have to remove this debt that is not proven, this has devastated my credit report. Please assist me in this matter.
Product: Credit reporting, credit repair services, 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 acct # XXXX, XXXXXXXX XXXX  acct # : XXXXXXXX XXXX XXXX acct # : XXXX, XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX, PXXXX XXXX acct # : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Mohela has not been applying payment to student loan account since XX/XX/year>. The payments have been made from the bank each month for the last several months with no problem up until XX/XX/year>. I have uploaded proof that bank has sent funds to Mohela but they are not being applied to account. After several tries and countless hours on hold I was able to speak with someone who said they would look into it but nothing has been resolved. Its is almost impossible to reach anyone as there is generally a several hour hold time and if you leave call back number ; they dont return call. Im now showing XXXX months past due even though payments have been made via bank account and I have receipts to prove it
Product: Credit reporting or other personal consumer reports

My information was exposed in Experian 's data breach
Product: Credit reporting or other personal consumer reports

I financed a used vehicle from XXXX XXXX XXXX in 2021 and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made 24 on time payments which is more than the cost I agreed to finance. I have contacted XXXX XXXX, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an XXXX XXXX is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay. 
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are three categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than three business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed APR becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( 2 ) ( ii ) ( B )
Product: Credit reporting or other personal consumer reports

I am again writing to inform you that I have been a victim of identity theft. 
Unauthorized individuals have used my personal information, including my name, address, and Social Security number, to open fraudulent accounts and make unauthorized transactions. This has resulted in various inaccuracies on my credit report. The fraudulent activities have caused significant distress and inconvenience. I am requesting your assistance in blocking these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B. I previously contacted TransUnion regarding this matter and as of today, NO response.

The fraudulent accounts are as follows 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 XXXX XXXX XXXX
Product: Mortgage

I am having difficulties with Carrington Reverse Mortgage regarding Flood insurance payments. Last year i paid them $ XXXX for XXXX XXXX and this year they said I only needed to pay $ XXXX. Then i received a phone call stating they weren't going to let me pay a monthly payment & I needed to get my own policy but that I owed them over {$600.00} in Flood insurance fees and that I had to get my own policy. I paid off the {$600.00} fees in about 10 days and stayed in communication with them telling them that I found a Flood Ins policy & paid XXXX about {$1400.00} but it would take a few weeks to get the policy in print. They said ok & when I uploaded the proof of policy within about 10 days i called them & they said that I was in Good Standing. The other day I received a letter stating I am in default & that I owe them {$2400.00}. I also discovered that I never actually had Flood Insurance the previous year that I paid them {$160.00} a month for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account # XXXX is violating my rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act 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.This account is violating my federally protected rights and I demand this account be deleted from my XXXX, XXXX and Experian and XXXX credit reports and also { {$1000.00} } in damages for the pain and suffering and the credit violations.It has caused me XXXX XXXX a lot of pain and suffering because I'm not able to get an auto loan.delete XXXX XXXX account # XXXX from all Credit bureaus. 


This false reporting is not merely an error ; it reflects " actual malice, '' as XXXX, XXXX and Experian knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to XXXX  XXXX and Experian willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an SBA disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to XXXX, XXXX and Experian irresponsible and unlawful actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has repeatedly reported the balance on my student loans as increasing by thousands of dollars causing my score to decrease. My student loans have been in forbearance due to the COVID-19 emergency relief since the beginning of the pandemic, therefore no interest is being charged and the balance is not increasing. On XX/XX/21 after noticing that my credit score decreased by almost 50 points because of a false reporting of the student loan balance, I contacted my loan provider ( XXXX ). They informed me that many consumers have had the same complaint and that they have not reported an increase in the balance to Tranunion. They recommended that I file a dispute. I filed a dispute that same day and received the results dated XX/XX/21. Nothing was corrected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I completed a contractual agreement with XXXX XXXX. For approximately 6 months, I had been disputing overcharges and incorrect late fees and made several phone calls to them to no avail. On each call, I requested an accounting of how they arrived at the " balance due ''. They continually refused my request, even when put in writing. At the conclusion of the contract, they sent me a final bill to which I disputed and even offered to discuss a compromise to resolve the issue. They ignored my dispute & placed it with a collection agency, XXXX  XXXX. who reported it the XXXX, Trans & XXXX. I sent the agency a detailed dispute with a demand for damages for their continual auto dialing of my cell phone without consent and after being advised not to. They simply replied with the last 3 bills, which is what I was disputing. They also failed to temporarily remove the item or note the dispute from the bureaus. I also disputed the item online with the bureaus. I never received a response from Transunion or XXXX. After investigation, XXXX removed the item. Shortly after that, I discovered the item had been removed from the others. After a few months, XXXX placed the item with a new agency, XXXX  XXXX who placed it back on all 3 bureaus again. I wrote a letter to XXXX XXXX, who also ignored me. Again, XXXX removed the item with no response from Transunion and XXXX. After a few months, XXXX placed the item with a new agency, XXXX, XXXX who placed it back on all 3 bureaus again. Again, XXXX removed the item with no response from XXXX. Transunion took a dispute by phone but sent me a generic response. No one will provide me a detailed accounting of what they claim I owe