23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My mother XXXX XXXX was a XXXX and has been a victim of identity theft, bank fraud. I was also a victim of identity theft. A Wachovia bank employee had access to my mother 's personal information and safe deposit box. My mother had Treasury Bills ( unrecovered ) and my birth certificate ( unrecovered ) in her safe deposit box.She fraudulently added herself to my mother 's accounts. She had siphoned off money from one account into an account going to her home. Over XXXX was stolen. In addition she opened a joint checking and savings account with my information obtained from my mother 's account without my knowledge or consent. Wachovia Bank terminated her from her position after an investigation and returned most of the money. I later found charges and a savings account fro a printout. I wrote the bank 's President in XXXX, North Carolina. My hopes of getting an apology and assistance with a prosecution were dashed in a letter dated XXXX XXXX, XXXX, '' We have investigated your concerns and found no evidence to show that fraud was committed on XXXX XXXX 's accounts ''. In XXXX XXXX, Detective XXXX XXXX XXXX of XXXX Crime Unit started an investigation after I called. Finally in XXXX XXXX the detective called she arrested the employee. Municipal District Attorney XXXX XXXX ensured me a new trial and a conviction but did not follow through. I hired an attorney and contacted Wells Fargo now the bank of record. I recieved a small settlement. The employee was not prosecuted and the bank did nothing to assist or call for an arrest and the investigation. All the losses totaled {$100000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX/XXXX   XXXXXXXX, XXXX  XXXXXXXX, XXXX XXXXXXXX, XXXX/XXXX   XXXXXXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to their ongoing failure to investigate and remove fraudulent accounts, inquiries, and personal information from my credit report, despite multiple disputes and clear evidence provided by me. 

Fraudulent Account : XXXX XXXX : This account is fraudulent and was opened without my authorization. Experian has failed to conduct a proper investigation or provide evidence to validate this account. 
Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX addresses are fraudulent and have no connection to me. Despite my disputes, Experian has refused to delete them, leaving inaccurate and damaging information on my credit report. 
XXXX XXXX : XXXX XXXX XXXX on XX/XX/year> : This inquiry was made without my authorization, yet Experian continues to report it as valid. 
These inaccuracies have caused harm to my credit profile, financial opportunities, and emotional well-being. Despite my repeated disputes and compliance with Experians documentation requests, they have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to remove unverifiable or inaccurate information.

Experians negligence in resolving these matters shows a lack of accountability and adherence to federal law, and their inaction continues to cause me unnecessary stress and financial harm.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX account ( # XXXX ) on my credit reports with XXXX XXXX Equifax XXXX and XXXX XXXX The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into these issues. 

Inaccuracies Identified XXXX. High Credit : XXXX and XXXX : {XXXX} Equifax : {$XXXXXXXX} XXXX Credit XXXX XXXX XXXX and XXXX XXXX {XXXX} Equifax XXXX {XXXX XXXX. Last Reported Date : XXXX : XX/XX/year> Equifax : XX/XX/year> XXXX : XX/XX/year> XXXX. Date Last Active : XXXX : XX/XX/year> Equifax : XX/XX/year> XXXX : XX/XX/year> XXXX. Date of Last Payment : XXXX and XXXX : XX/XX/year> Equifax : XX/XX/year> XXXX. Late Payment Status : XXXX : Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX Days Late XXXX Time ( XXXX ). Was XXXX Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). 
Equifax : Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). 
XXXX : Was XXXX  Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). 

The discrepancies in high credit, credit limit, date last active, and late payment status among the credit bureaus indicate significant inaccuracies. 

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

these accounts are a result of identity theft please remove them, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I activated my Citi Prestige card on XX/XX/2018. I tried to make a purchase the same day and it was declined due to fraud. Over the last few weeks, I have tried to call in to cancel my account. Unfortunately, Citi is unable to authenticate my identity due to change in phone number etc. I am being charged a hefty annual fee for a card I have never had the opportunity or ability to use. I called as recently as today, XX/XX/2018. I've spent multiple hours talking to these people trying to find a solution but I seem to be caught in a circle with no exit point. Customer service won't close my account because they can't authenticate me, so they transfer me to fraud. Fraud can't authenticate my account, so they simply say sorry. I ask to escalate the call, I'm told there are no exceptions. So, hoping CFPB can help me here. To authenticate my identity all the options they tried have failed, calling other credit card providers, checking relative phone numbers etc.
Product: Mortgage

This servicer has repeatedly reached out to us stating that they have been unable to confirm our condo 's master association policy. We have sent this policy to them, and so has the association itself. There is no record of this servicer actually reaching out to the association, and now after us ( and the association ) sending the policy, they are now reaching out to us again claiming they have been unable to get the policy. At this point this servicer is either lazy or does not have the capacity to do basic due diligence. I'm not sure if they're trying to do some sort of scam so that they can issue some sort of self-dealing master policy. Regardless of what it is, I am requesting oversight over this situation so that this servicer realizes the basic responsibilities it has for a conventional loan in a common community. 

I am attaching proof of the previous emails that were exchanged, how they also have the contact information of the association, the policy that was sent ( which doesn't expire until XXXX of 2022 ) by both us and the association, and how they somehow still sent another request for this same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

bought a bed from conn 's XXXX and have made all payments and in XXXX. of XXXX called them to make a payment and i knew i did not have a large balance so while making the payment i ask what the pay off was. they said XXXX owed so i called at the end of that week to pay off balance. about six months later starting getting calls saying i owed XXXX dollars and now it has gone through the roof. i told them to play and give me a copy of the phone recording but would not then i ask them for a copy of all payments would not give me that info. they keep calling i told them ( no lie 100 times to stop calling i had to change my numbers and they keep finding me harrising me for payment. tried to find the owner of the company but no one will give me the info. do i need to get an attorney and sue them for this. because this collecting has gone to far they even put it on my credit and damaged it
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report showed that on or about XX/XX/2018, I had a late payment account and a collection account with the debt I never owe. I disputed and Experian refused to delete the incorrect information.
Product: Consumer Loan

Im having issues making my car payment i called to see about different options due to payday changes avaliable cust rep said i had to wait 6 months to make any changes
Product: Credit reporting or other personal consumer reports

My account with 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 in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> 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 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: Debt collection

Im making this complaint because I have filled a ftc report, as well as disputed this fraudulent debt multiple times with no resolution. In need of help with the false discrepancies on my consumer report. I want to request ( production of the original document contract ) & the purchase agreement from the collection company because Ive never done business with them before. Account # : XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$110.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX
Product: Credit reporting 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. 

Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Prepaid card

My debit card and phone was hacked to make unauthorized charges on my account, I filed a dispute with submitted the police report and was told that wasnt enough evidence so I submitted gym records of me checking in while someone used my debit card and I havent received a response. Then they told me the decision still stands that they wont refund my money stolen
Product: Debt collection

I am receiving phone calls on my cell phone and at my place of employment from a company called Spire Recovery Services, claiming to be a collection agency for a payday loan that was filed in a chapter XXXX bankruptcy. They are threatening that " bad things '' will happen to me if I do n't pay them by XXXX on the day of the phone call. My attorney conducted research on the company that shows them to be a scam with an address located in an abandoned warehouse and when I attempt to reach them at the number provided it goes straight to a voicemail box. They called from a local area code but the call back number is from a New York area code and the address is also in New York.
Product: Debt collection

After exhausting all measures known to me to get more information and pay a debt that I supposedly owe, the defendant refuses to send photographic information to prove the debt is mine. A debt that was put on my credit without my knowledge and only appeared as I was trying to apply for another apartment a year later. The apartment complex, XXXX XXXX, nor the debt collectors, National Credit Services Inc., tried to reach me at the numerous telephone numbers they had nor sent out correspondences to the other addresses on file they had nor sent out a debt verification letter with an itemized list of charges or notification of my right to dispute the debt before putting it on my credit which is a violation of the FDCPA. I have filled with the CFPB ( XXXX XXXX ) and disputed it with the credit bureaus ( multiple times ; most recently XXXX/XXXX/XXXX ). I believe the reason for this was to try to force me pay for something that I do not owe, abusing their power which in turn makes me look less than an upstanding citizen ; even after numerous demand letters they still wo n't provide actual evidence of their claim. In the meantime, I have been denied car insurance, credit cards, financing for vehicle and apartments ; XXXX of those listed things are things of necessity. Without the apartment, my roommate and I have been homeless. Luckily, we were able to find some people who were able to help, but that does n't excuse the fact that we still need a permanent place of residence and that process was and still is unnecessarily hindered by the other parties. On XXXX XXXX, XXXX, I sent a correspondence to the Law offices of XXXX XXXX XXXX and XXXX ( they are representing National Credit Systems , Inc in this matter ) asking for substantial proof of the debt and as of today ( XXXX/XXXX/XXXX ) I have n't heard anything back from them in the form of the asked evidence or a general correspondence. They still have n't sent me all the information that I asked for in a correspondence I sent in XXXX XXXX ; information that is pertinent to the validation and verification of the supposed owed debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus 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. 
XXXX XXXX XXXX : {$970.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was Late paying my mortgage. I applied for a loan modification in XX/XX/XXXX and was told to make 3 months of payments at the new amount and they would make the new amount permeant. I made all payments on time but they reported me XXXX days late every month until XX/XX/XXXX. They should have only submitted the one late payment from XXXX but have shown me late even when making all payments at their new amount on time since.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry on my credit report for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX. XXXX, Item # XXXX. I called XXXX and they put a hold or block so no one can access my credit file, but that's only on XXXX. I did not nor do I have any dealings with XXXX XXXX, ever. I also had to go in and remove a car that XXXX thought was mine on my credit file, which was a XXXX XXXX XXXX or whatever it was. They thought that it was my car but I own a XXXX. Capital One NA on XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Capital One Auto Finance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We got a XXXX XXXX and we'll XXXX XXXX said it has warranty a week after having this vehicle it broke down I contacted the dealer they said bring it in we will see what we can do mind u a week after getting it! But anyways I took it they said you don't have warranty on this I said yes I do but mind u I was furious so he said u just bought this so I'll pay for it so they did well bring it home after them fixing it it breaks down again they kept putting it off and off so my vehicle sat there mond u it got up for repossession be cause I lost my job for no vehicle I put XXXX XXXX down on this vehicle and u all were wanting XXXX a month for a broken down vehicle but further more a wrong should of fixed it and made it right the car lot said I had to contact the loan place and blah blah! You all did repo it but now are saying we owe a lot after it being auctioned .... Just letting u all know my lawyer will be in touch I had to get info from the car lot and I'm going after. Both!!!! I just lost a XXXX  he had XXXX and I have XXXX kids of my own as well I was bonerable and the sales person knew it so I gave them XXXX down and then it blew up in my face u can't do people that way and yeah it got reposesed but neither party would make it right so I lost the XXXX