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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached fraudulent personal information that I am disputing on my credit report. I have received several notices regarding security breaches that I believe are responsible for this activity on my credit report. I am requesting for all three credit bureaus to remove this inaccurate information from my credit report.
Product: Debt collection

Summary of events : a Venmo customer service representative revealed information about my debt to a third party without my consent. This event embarrassed me and violated my rights as to fair debt collection practices. 

On XX/XX/XXXX around XXXX XXXX, I answered a phone call an acquaintance, XXXX XXXX. He stated that a Venmo customer service representative was also on the line and that the Venmo representative had verbally requested this three-way phone call. XXXX XXXX verbally stated that the reason for this phone call was to attempt to reverse a Venmo payment that he sent to me by mistake. The Venmo customer service representative then revealed information about a previous, unrelated debt they said I owed to Venmo from XXXX of XXXX. They were aware that a third party was also on the line when they revealed this information, as they requested this three-way phone call. 

The scope of the three-way phone call was to reverse a previous payment sent in error. Venmo did not have my permission to reveal that I owed an outstanding balance with them to this third party. I did not bring up this up on the phone call before the Venmo representative revealed this information and embarrassed me. 

I spoke to a supervisor at Venmo shortly after and tried to resolve what I understand to be a clear violation of the Fair Debt Collection Practices Act. They stated that they would handle the matter " internally '' and offered no other resolution. They stated during the phone call that all of these phone calls are recorded. I also gathered that the reference number relating to this case is : XXXX. The Venmo customer service representative that revealed this information to the third-party identified herself as XXXX.
Product: Mortgage

In XX/XX/XXXX my wife and I purchased our first home in California. Due to CA tax law, the original tax bill for our home was set using the original assessed home value ( taxes of the previous owner ). This tax bill was {$2800.00}, which is substantially lower than the total taxes we are actually responsible for, which are set on our purchase price of the home. For this reason, we are also required to pay two supplemental tax bills, one for XXXX XXXX XXXX ( prorated to our purchase date ) and another for XX/XX/XXXX to XX/XX/XXXX. These two supplemental tax bills total {$2200.00} and {$6700.00} ( each split in two installments ). Since XX/XX/XXXX, we have paid about {$12000.00} into escrow, which includes the " total '' tax rate : both the original tax bill and the supplemental taxes. In other words, we have paid the supplemental taxes into escrow, as required under the terms of our loan. 

In XX/XX/XXXX, I sent copies of our supplemental taxes to our mortgage servicer, BSI financial, and requested that they be paid from escrow. Despite confirmation of receipt, and assurances from BSI, these bills were never paid. Since then, I have contacted BSI 5 times in attempt to get these bills paid, and have been told each time that they would be paid. Now, the first installments of both bills are three months late, and BSI is completely negligent and unresponsive. 

I am requesting that BSI pay the taxes as stated on our supplemental tax bill from escrow, plus the late fees that their negligence is responsible for. The late fees total {$110.00} and {$330.00} for the first installments of the two supplemental tax bills.
Product: Credit reporting or other personal consumer reports

There still working on this issue just look at the evidence but I know nobody is looking since there are over XXXX, XXXX complaints against the XXXX bureaus and experian at the top of the list, the issue is experian has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Debt collection

During the month of XXXX I received a letter dated XX/XX/year> from a company called Resurgent Capital Services stating that an account in the amount of XXXX allegedly belonging to me was sold on XX/XX/year> and the new owner is LVNV Funding LLC and that effective XX/XX/year> LVNV Funding LLC placed the account with resurgent Capital Services L.P. for servicing. The letter states that I allegedly had an account with a company called XXXX XXXX, but I have never done business with such a company and the debt collection company that is reflecting on my credit report is claiming that they are the original creditor. On XX/XX/year> I sent to the company Resurgent Capital Services a validation of debt request letter pursuant 15 USC 1692g. This company has not provided any substantial legal proof that I owe them and yet they are reporting false and in accurate information to all three credit reporting agencies thus negatively impacting my financial reputation and character. I request that this false and inaccurate account be removed immediately from all three credit reporting agencies concerning my personal credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The Reporting of Late Payments after a repossession has occurred.

This is a factual error.

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate.

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact.

Discrepancies like this are unacceptable ; I have the right to an accurate credit report.

And this is unacceptable.

Please remove this account from my credit report. As soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX XXXX XXXX  ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is reporting duplicate account entries. XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit card or prepaid card

On XX/XX/2021, Bank Of America placed a lock on my account placing a block on my card after two months of sending me a replacment card and receiving proof from The Employment of Development Department ( EDD ) of Eligibility/Idenity. Contacted Bank of America I was forwarded to the Bank Of Americas Risk Dept. who reasoning for the block was suspious activity, after verifing recent transactions along with personal information listed on the account the risk dept. denied access to the account and refuse to remove the block off the account pending identity verification by the sponsor ( EDD ). The Bank Of America refuse to re-open the account even after being contacted numerous of times by the Employment Development Department ( EDD ), and provided the information they requested. Bank Of America was notified that funds has been removed from the account and numerous of unauthorized online charges on the account after being report stolen/locked by Bank Of America, EDD of California stated that they have provide Bank Of America the information requested and EDD can not access funds, On XX/XX/2021, Bank Of America placed a lock on my account placing a block on my card after two months of sending me a replacment card and receiving proof from The Employment of Development Department ( EDD ) of Eligibility/Idenity. Contacted Bank of America I was forwarded to the Bank Of Americas Risk Dept. who reasoning for the block was suspious activity, after verifing recent transactions along with personal information listed on the account the risk dept. denied access to the account and refuse to remove the block off the account pending sponsor provide customer identity verification. The Bank Of America Risk Dept. did not remove the account hold, even after being contacted numerous of times by Employment Development Department providing Bank of America with the requested information. There has been unauthorized online charges and funds has been removed from locked account, informed by EDD of California that once the funds has been issued they can not be removed or reversed nor cancelled once they are issued Bank Of America refused to reverse charges or investigate account activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 opening account with XXXX XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX auto finance have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are committing identity thief by report fraudulent accounts on mt credit profile which is a violation of the fail credit reporting act 15 US CODE $ 1681C-2.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 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/XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to REMOVE this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I terminated my lease with Rental property owned by XXXX XXXX DBA XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : I moved from property, signing lease with new company XX/XX/XXXX. Account at XXXX was paid in full at the time. I was told I owed nothing further by management of XXXX. 
XX/XX/XXXX : I find that I have a collections on my credit report. I reach out to management at XXXX XXXX  XXXX XXXX. They send me a move out statement with multiple late fees, which I was told were waived, and for rent and utilities for XX/XX/XXXX. I gave notice that I was moving XX/XX/XXXX. I moved out in XXXX of XXXX, these should have never been charged for XXXX. I was told there was nothing that could be done since it was already sent to collections. 
XX/XX/XXXX : I find the collections removed from my XXXX  and XXXX  reports. Equifax was unavailable. 
XX/XX/XXXX or XX/XX/XXXX : I filed a complaint about this company with CFPB and my complaint was forwarded to the FTC. Nothing was done about this. My complaint is being ignored. The company continues to report inaccurate information and has refused to fix their accounting process. 
XX/XX/XXXX : I find that the collections has reappeared on equifax. I have disputed this 7 times. Each time it is verified as accurate. I have explained that I do not owe this because I did not reside there. I have explained that it is a mistake on behalf of the property management. 
XX/XX/XXXX : I reached out to property management, they will not return my calls. They have stated that it would be removed but have taken no actions regarding this. 
XX/XX/XXXX : I filed a complaint with CFPB about equifax. Equifax responded that they were investigating but have done nothing to remedy this situation.
Product: Debt collection

I sent a certified letter to the Cavalry collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd official complaint against XX/XX/XXXX regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX. Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XX/XX/XXXX is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm.

Original CFPB complaint # XX/XX/XXXX- XX/XX/XXXX
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit card

Today XX/XX/year> I Contacted The Credit Reporting Agencies & Tried To Work With all 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.
Product: Checking or savings account

Opened XXXX  checking and savings account on XX/XX/22. Met requirements for {$250.00} Bonus for opening an account ( XXXX deposits of at least {$1000.00} within 90 days of opening account ). XXXX deposits submitted on following dates below from government benefits ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/22 {$1000.00} XX/XX/22 {$2000.00} XX/XX/22 {$1000.00} Offer states {$250.00} USD will be credited to savings account within 45 days of meeting promotion requirements. Its been greater than 90 days. Ive contacted XXXX multiple times and was unsuccessful in getting this matter resolved. Last outreach made on XX/XX/22 with XXXX representative ( XXXX ). Please see complete terms advertised by XXXX below. 

For a limited time, you can earn $ XXXX when you have XXXX payroll direct deposits of at least {$1000.00} into your Spend Balance. Start Today! 

*Disclosure : Receive {$250.00} when you set up direct deposit to your Spend XXXX and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within 90 days of opening your XXXX XXXX. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your Save Balance within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive.
Product: Credit reporting or other personal consumer reports

This is to formally advise NCO XXXX that I believe one of your subsidiaries by the name of XXXX XXXX XXXX XXXX has violated my consumer rights in the following ways. Please keep in mind that this is my second notice including my certified letter, and I have had no correspondence back from XXXX. Specifically, they : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation. Not only has XXXX ignored my prior requests for validation of debt, but they also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. XXXX was notified of this via certified mail and in a complaint submitted to the CFPB. Despite multiple disputes, this company continue to report false information on my credit report, violating its obligations. Additionally, the company lacks permissible purpose under the FCRA ( 15 U.S. Code 1681b ) to furnish information
Product: Mortgage

XXXX XXXX from Wells Fargo has rejected my numerous attempts, responses, applications, and documents to grant a loan modification on XXXX my properties. I have satsifed all requests. Also, she and Wells have foreclosed on my properties even though I have requested attempts for payment plans as well which I have attempted to make and been rejected. Furthermore, I have complained that this is an attempt to comit mortgage fraud from Wells which they have dismissed.
Product: Debt collection

XXXX XXXX has contacted me several times since I sent them a letter in response for their request for payment. I spoke to XXXX from XXXX XXXX when he called on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX asked me how I would like to handle the account and if I wanted to make a payment. I told him I sent a request for documents ( return receipt ) because I disputed the bill they sent me. He started reading the letter I sent him and said he is assigned the debt from the original creditor and asked if I remember my last payment. I told him I couldn't discuss until I received the requested information. He told me that a letter was sent out yesterday. He insisted that I have to take care of it and that collection efforts will continue. XXXX from client services has made me feel extremely anxious and nervous and I could not sleep being fearful that he will continue to call and harass me before I had a chance to examine the documents that I have a right to. Under the FDCPA, I have a right to dispute the debt until it is verified, and at that point, all collection efforts must cease. Although he viewed my letter and stated XXXX was being sent to me, he still proceeded with collection efforts. He has violated my rights under the FDCPA. Not sure if I can attach a voice file. I will try.
Product: Credit reporting or other personal consumer reports

I was in a near fatal car accident. By the time I came to, everything with my insurance was paid off with the refund. Or so I thought, by this time I realized too late that it wasn't paid from the pay out and was automatically send to collections without me realizing, without proper communication from XXXX. I received a text message and derogatory mark on my credit from this collections agency and would like this account to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX  XXXX {$410.00} XXXX XXXX {$1500.00} XXXX {$500.00} XXXXBANKRUPTCYDISCHARGED 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. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XX/XX/XXXXXXXX XXXX Balance : {$2800.00}