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

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS : XXXX XXXX & XXXX Potentially negative Date opened XX/XX/XXXX XXXX  XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX  XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$960.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$800.00} DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXXXXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
REMOVE THESE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX type Single family XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, MD XXXX THESE ADDRESSES ARE NON-MAILABLE
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the account under XXXX XXXX XXXX that has been reported on my credit file. This account is for a debt originally owed to XXXX XXXX XXXX XXXX, and the account in question was never consented to by me for collection by XXXX XXXX XXXX. I request that this account be deleted from my credit report due to the following violations of consumer protection laws. 

Account Details : Creditor Name : XXXX XXXX XXXX ( Collection Agency ) Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX ( last four digits ) Balance : {$680.00} Date Opened : XX/XX/2024 Status : Collection Account Account Status : Disputed by consumer Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( Harassment or Abuse ) and Section 809 ( Validation of Debts ) : XXXX XXXX XXXX has failed to provide proper debt validation upon my request. Under FDCPA Section 809, they must verify that they have the legal right to collect this debt. I have never received any documentation or proof that XXXX XXXX XXXX is authorized to collect on behalf of XXXX XXXX, nor have they provided any information to support their claim. The lack of consent or any written authorization for this debt to be placed with XXXX XXXX XXXX is a violation of consumer rights. 
Fair Credit Reporting Act ( FCRA ) Section 609 ( Request for Information ) : Under FCRA Section 609, I am entitled to request and receive proof that a debt is legitimate and properly assigned to the collection agency. XXXX XXXX XXXX has failed to provide such proof, despite my request. Additionally, FCRA Section 623 mandates that any creditor or collection agency that reports information to a credit reporting agency must ensure the accuracy of the information reported. Without proper documentation or proof, the information reported by XXXX XXXX XXXX is inaccurate and should be deleted from my credit report. 
Fair Credit Reporting Act ( FCRA ) Section 605 ( Time Limits on Reporting ) : This account was reported as a collection from XXXX XXXX XXXX without my consent or knowledge, and FCRA Section 605 restricts how long negative information can remain on your credit report. Inaccurate or unverifiable information, such as this collection account, is not allowed to remain on your credit file under the FCRA. 
Unauthorized Collection Actions Violations of Consent : XXXX XXXX XXXX has placed this account in collections without my consent, and they failed to provide any written agreement or contract authorizing them to collect on my behalf. Under FDCPA and FCRA guidelines, no collection agency is permitted to report or collect debt without explicit consent from the consumer and proper validation of the debt.
Product: Student loan

As of XX/XX/year>, the refund check in the amount of {$2600.00} has not been received. In the response dated XX/XX/year>, SoFi stated the check was issued and sent via USPS to the mailing address on file on XX/XX/year>. Assuming the check was sent by First-Class Mail, according to USPS the delivery time is 15 Business Days.
Product: Debt collection

received call from XXXX XXXX ( XXXX ) XXXX, reference number XXXX. They said they would be coming to my house to serve me papers. The year of the so-called debt was when Iwas XXXX XXXX XXXX and the debt does not exist. I was supposed to be a bank debt and the bank ( Huntington Bank ) has no record of such debt. 

These people were equipped with my social security number and my current address of which I have just recently purchased this home.
Product: Debt collection

I'm being sued by a debt buyer and I've been doing some research on this closed very old account. 
This so called debt has been bought by other debt buyers but this current debt buyer is suing me in the XXXX XXXX XXXX XXXX in Illinois. As I read the information in the document I see that this lawsuit on a credit card debt has passed the statue of limitations in Illinois which is 5 year 's and the so called amount owed is on a time barred account. The copy of statement in the lawsuit from original credit card account is falsified as in fraud
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be 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 creditor 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 creditor 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.

( XXXX XXXX ) never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have been requesting proof of the alleged account XXXX XXXX XXXX XXXX in the amount of {$10000.00} since XX/XX/2022. Whenever I dispute the inaccuracy, Transunion sends a reply that the debt was verified ; however, I have never received debt verification. 

If it is a charged off account, then there should be a 1099-C. I have also requested this from Transunion since XXXX and I have not received it. I have requested the original contract bearing my signature and I have not received it. 

Also if it is a closed/charge off account, how is it reflecting a balance? Is it charged off or past due? Charged off accounts can not reflect a balance. This is a violation of the FCRA and METRO2 reporting standards. 

Transunion should not be allowed to report this account on my credit report any longer. Provide proof or remove completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus
Product: Mortgage

Lender sent Final closing disclosure on XXXX for XXXX closing with locked-in rate and 1.25 % of Loan Amount ( Points ) {$5000.00} that I'm paying to reduce the interest rate to 5.625 %. Lender requested subject-to solar pay-off revision in appraisal which Title sent XX/XX/XXXX that it was paid off which they delayed submitting, and now requesting a revision from appraiser to remove subject-to. I wired closing funds already based on Cash-to-close. On XX/XX/11, Lender sent another final closing disclosure XXXX XXXX states : " Per borrower 's request the lock has been extended 11 days. The discount is now set at 1.375 % ( {$5500.00} ). '' I did not request this, the lender is the one that delayed with appraiser. I can close ASAP.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX credit card was opened fraudulently and was used by a third party ( identity theft ) to make purchases so XXXX closed the account and I paid full for the amount they took. They investigated and gave me a refund but its hurting my credit reports with high delinquency and late payments. I want it removed from my credit profile or credit report as long as it was a fraudulent account.
Product: Debt collection

I received a civil complaint from XXXX XXXX XXXX of Pressler and Pressler seeking money from an account I have no knowledge of. I do not have an account they are speaking of
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Citibank, Ive been a holder of a Citibank credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of Citibank. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from Citibank, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, Citibank reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from Citibank stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, Citibank closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the Citibank account. I called Citibank immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like Citibank to a long-standing client with exceptional credit history his entire life. Citibank failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. Citibanks error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for Citibank to due for a previously loyal client. If Citibank was not in the wrong, then why did they eventually reverse the charge that caused the issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX in XX/XX/2019 when I was unemployed and let them know I needed help with my payments until I got back on my feet. They said they would take a lower payment but did not mention it would result in a late reporting. It was my understanding at the time that I was entering into a hardship program, but the payments they were taking did not help and actually hurt my credit. Their deceptive collection practices hurt consumers. 

XXXX then enrolled me in a balance liquidation program in XXXX or XX/XX/2019 to bring the account current, and the representative on the phone set up automatic withdrawals to make my monthly payments and. They said there would be a 3 month trial period, and the account would be brought current. I assumed since I had started making full payments again, these would be reported as on time, and I would only have 1 late as a result of the XX/XX/2019 deception. 

However, they continued reporting my account late during the trial period from XX/XX/2019 through XX/XX/2019 despite sending me a letter saying I successfully completed the trial period, and that my payments were on time. 

I believe this may have been as a result of the dates that were set up by the phone representative being past the due date for the given month. With that said, this is an error on the banks part as I had made payments as agreed. 


This has substantially damaged my credit more than it should have, and the information is incorrect as I paid according to the agreed terms. There should not have been any lates beyond XXXX 2019. The attached letters say I made on-time payments through XXXX.
Product: Mortgage

In XX/XX/XXXX I started the hamp trial made all monthly payments on time on XX/XX/XXXX they extended the trial for agreements on my XXXX payment says applied to XX/XX/XXXX and ever since that I have received a late fee every month and I have never missed a payment it showed on the mortgage web site and I have all bank statements that prove this and the company refuses to listed I have seen docs highlighted have called they do no carePhh mortgage / Coldwell banker mortgage they will not remove PMI insurance the value is good they will not help in any way and for the XXXX 5 years of hamp trial you get {$1000.00} a year for payin on time = to {$5000.00} I have received XXXX credit to principle of {$1000.00} and nothing else costing me over {$9500.00} not include all the time and stress for the last 5 years I do n't know what to do plan on file a law suite
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, XXXX at XXXX I sent XXXX Bitcoin ( XXXX ) to Shapeshift 's service in exchange for XXXX Ripple ( XXXX ). The value of XXXX at the time was approximately {$17000.00} which would equate to ~ {$720.00} and the value of XXXX was approximately {$.00} which would equate to ~ {$710.00}. However, this transaction and Shapeshift has now held my funds without allowing any access when I was supposed to immediatley recieve my XXXX  XXXX.

Shapeshift 's support team has now reached at to me and said they will refund my original XXXX in the next coming days. However, my original XXXX amount is worth only ~ {$520.00} and the XXXX I was supposed to recieve is now worth {$2000.00} as of today,XX/XX/XXXXI have demanded to recieve the XXXX but their support team is of no help. They claim that any errors in their transaction will result in an IMMEDIATE and AUTOMATED refund of the original payment method but they have failed to do so. So, they 've now held my money for 15 full days.

Many other have the exact same issues as I 've seen on forms such as XXXX
Product: Money transfer, virtual currency, or money service

Chime bank didnt honor my payment made to my credit card issuer. Stoped payment on my payments sending a code XXXX.
Product: Debt collection

Reporting probable organized crime scheme to create fraudulent debt instruments across the country using " front '' companies and collection of some percentage of them by the syndicate 's " XXXX XXXX XXXX  '' - ( TSI ) ~XXXXTWS   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , PA XXXX TEL XXXX a pest control company solicited at my front door Some months ago I bought a house in a new neighborhood in XXXX County Texas at XXXX XXXX XXXX XXXX, XXXX , TX XXXX. Several " ODD '' " coincidental '' things happened. For instance one day after going to lunch I returned to find mouse droppings, styrofoam & insulatio in the shower. ( THAT HAD A CLOSED SEALED GLASS DOOR. ) & some drywall shavings by the closet door ( In a poor attempt to make it look like a mouse had burrowed in through the walls - on closer inspection later it was obvious that someone used a key hole saw. ) The next day a pest control company showed up at my door soliciting services. ( A similar thing happened with a security company ) I declined both times. Several months later a pest control company - '' XXXX XXXX XXXX XXXX '' came to the door and I agreed to allow them to spray the structure at XXXX XXXX XXXX XXXX 1 time ONLY and specifically stated I did not want or agree to a contract. The 2 men presented a electronic tablet and said press here and sign here which I did. A month later one of their trucks showed up to again treat the structure. I said NO I do not have a contract. Later they sent me a bill to attempt to collect a fee for " cancellation of the contract '' which I never had. I mailed it back to them saying it was fraudulent. In the last few months I've recieved several telephone calls from a collection agency ( " XXXX XXXX XXXX  '' ) XXXX-TWS in PA. Today the lady I spoke to said that XXXXTWS did not buy the " debt '' to collect. I believe they are in league with this scheme and they are the hub of a vast criminal syndicate using a myriad of front companies. Pest Control, Secutity, & other home services. I also have reason to believe that this encompases 2 prominent " religious orginizations '' / religions. It is a nationwide scheme involving attemptinfg to creat fraudulent debt instruments and defrauding, ( breaking & entering, ect ) buyers of new homes as well as targeting Political " opposition '' or people who have espoused views they disagree with. Either way the fact of the matter is that XXXXTWS   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX are engaged in Fraudulent behavior, ORGINIZED CRIME, and Creating Fraudulent Debt instruments and attempting to collect on them. How Many Old Ladies & other ignorant victims have they scammed. They are Obviously stealing a lot of money in this organized crime syndicate using " llegitimate '' business ' as fronts who also break the law in the fraud by Theft, Destruction of Property and Breaking and Entering.
Product: Checking or savings account

On XX/XX/XXXX I was charged {$62.00} for a recurring payment, which I had called the company and told them to cancel my service Since I did not have that much in the account I was charged {$34.00} by the bank. I noticed that the charge had been attempted 3 times, it was on the third time that they had paid it and applied the fee. If there wasn't enough money in the account why did they go ahead and pay the charge? Then charge me a fee? They did it again on XX/XX/XXXX for a charge of {$5.00}. And again on XX/XX/XXXX. They did not pay the {$5.00} charge but charged me {$68.00} for {$5.00}! Then they went into my other XXXX accounts and took out {$20.00} from my savings account on XX/XX/XXXX and {$140.00} from my Liquid account on XX/XX/XXXX to cover their fees. I called twice to get this resolved and was hung up on. I did find out that when I opened the other accounts I agreed to have money recovered out of my other accounts, NO I did not! If I had known that I would have closed them all. And now I was charged another {$34.00} fee for a {$10.00} charge on XX/XX/XXXX. So my account is now - {$43.00}!