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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX alance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

account has been in covid forbearance since XX/XX/XXXX, options for payment deferral or modification were being explored by lender and they extended the forbearance until end of XX/XX/XXXX but they are showing me as 180 days late in XX/XX/XXXX ... ... XXXX XXXX XXXX XXXX continues to fraudulently hit my credit report with negative reporting locking me into a situation where I can not refinance my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies Transunion, XXXX, XXXX requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters to Equifax about some negative items on my report and they have not corrected them : One was XXXX  XXXX XXXX XXXX XXXX account that they closed and Deleted from my active credit account without my authorization, the following accounts has NOT been Deleted from Equifax BUT has Been Delete From XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

US Bank claimed my mortgage payment due XX/XX/2021 was late. The payment was scheduled through the US Bank website and applied on XX/XX/2021, and then reversed by US Bank into their own suspense account on XX/XX/2021. On XX/XX/2021 I received an email indicating that the payment was 6 days past due. 

US Bank customer service was unable to provide an explanation or immediate resolution to this error, and also locked out my ability to make payments through their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting this procedure in case of disputed completeness and accuracy.

15 U.S.C. 1681 Section 602 : States I, the consumer have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681b ( a ) ( 2 ) Permissable Purpose Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I was supposed to receive a refund but haven't received the full payment.
Product: Checking or savings account

BMO has a promotion that after making direct deposit of more than {$7500.00} in three months, customer will get {$450.00} bonus. Their agent who made promotion to me and helped me open the account told me that three months was calculated from the date I received my first direct deposit. But now their customer service said it's from the date I opened the account. This was a misrepresentation which I relied on when opening this account, because I would open the account later if I knew it was calculated from the date I opened the account.
Product: Payday loan, title loan, or personal loan

Paying a loan where funds are not going towards my principal amount.
Product: Credit card

I received a letter stating my business and personal credit cards and checking accounts are being closed Under the Bank Secrecy Act. I contacted the bank on XX/XX/XXXX and was told I couldn't get any further information. I went into the bank on XX/XX/XXXX and was told the same thing. Finally on XX/XX/XXXX I called in one more last time and was told my Chase Business XXXX violated the credit card agreement. However, I wasn't told how and the account closed on XX/XX/XXXX. I have a Chase business account that pays the credit card biweekly so that the employees can use it for their spending for the Daycare. I still have yet to recieved detailed information on how we violated the agreement, nor did my account remain open.
Product: Mortgage

Why I was told that after I made a {$12000.00} payment, my escrow was re-pulled and I was sent an overage check when I was told that overage wouldnt affect my escrow because it would be a year before the escrow would be ran again and now the company has ran The escrow report in XX/XX/XXXX when I was told in XX/XX/XXXX it would not be processed again for XXXX year from XX/XX/XXXX now Im being charged over {$120.00} extra a month because I did not have enough money in the escrow account when the review was done, but that was not due to my fault that was due to Wells Fargo telling me they had to re-issue me a check for the over it in XXXX versus XXXX
Product: Student loan

My mother, the cosigner, is being harassed by Sallie Mae every day. Including today as of XXXX XX/XX/year>. I was told today they had taken a relative month 's worth of her income of {$700.00} at a time. This relative has no involvement. I then was told they XXXX  a family friend from another state. I had attempted to provide them forms several times but they denied each time that I am currently still in school and unemployed. My mother and I are XXXX and can not pass stress. Now it's worsening my mother 's worries that they could confiscate her salary, not allowing her to afford the mortgage or even auction her home. My mother and I have medical bills and to have Sallie Mae steal money from people, I rather go through a lawsuit despite not affording my medical costs. I would like to go through the lawsuit. I am begging you for assistance in stopping Sallie Mae from harassing and stealing. I also would like the repayments of money stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaintXXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2200.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX
Product: Checking or savings account

I got scammed {$84.00} on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2023, I sent XXXX a letter to opt out, they have not complied.
Product: Mortgage

On XXXX NewRez claimed that my financial institution returned my payment of {$1000.00} because of lack of funds and/or a closed account ; however, my financial institution shows no record of these problemsno closed accounts, no lack of funds and no returned payments. NewRez has repeatedly made similar claims despite the lack of record/evidence from my financial institution supporting them. Records show activities on my NewRez account not authorized or initiated by me which NewRez has not explained.
Product: Checking or savings account

I am attaching a detail of the events that lead to my complaint. 

In summary, My bank, Regions Bank, allowed a fraudulently endorsed check for {$3000.00} to be deducted from my account. 

Apparently, the bank of first deposit ,  XXXX  XXXX XXXX, allowed a fraudulently endorsed check to be deposited into an account even though the check was payable to another organization. 

There should be no time limit on correcting this fraud.
Product: Debt collection

My social security number was breached through XXXX XXXX. Since then I've had multiple issues with debt that is not mine. 
Collection agency is XXXX XXXX. Original debt was from XXXX XXXX XXXX  apartments. Date opened XX/XX/XXXX. Sent to collections XX/XX/XXXX. XXXX {$9900.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth:XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I've attached a list of the hard inquiries in question below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 



I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.
Product: Debt collection

ON XX/XX/year> I was emailed by XXXX XXXX regarding a balance that they claimed I owed. Acct XXXX. The email listed the property and the amount in which the debt was owed. I received another email regarding the debt on XX/XX/year> sending me the lease of the property that was rented fraudulently. I am unaware how this company received my contact information. I was not notified of this debt prior to the email less than one year ago. I have received multiple calls from the company since then stating that the debt is mine and even went as far as threatening to put the debt on my credit report if I did not pay for it. I explained time and time again that I don't know who lived in the apartment, who rented the apartment, and how they got a hold of my identification. I opted to paying the debt owed originally to elevate the decline in my credit report and housing rental history until the representative told me I needed to pay close to XXXX a month or pay {$20000.00} since the last time I spoke with the company the debt has gone up about XXXX The final notice I received to my email, again Im not sure how my contact information was obtained but I received an email stating that if I didn't pay the debt it would be sold to a third party creditor. I believe I was a victim of identity theft, and a data breach specifically with but not limited to the XXXX and XXXX data breeches. Furthermore, I have disputed this debt with XXXX and they failed on multiple occasions to investigate this debt thoroughly which has resulted in the harrasment, denials of credit applications, and debt.
Product: Debt collection

This is not a duplicate PRA failed to let me exercise my federally protected rights. I sent a Notice to Cease Communication directly and indirectly and told them I am not paying them for the alleged debt as stated in 15 USC 1692c however failed to cease communication from my consumer report and still infringing upon my rights to privacy I never gave this company my consent to use my personal information and they are attempting to collect an amount of XXXX dollars that they say are owed to XXXX XXXX which is ( fraud ) material misrepresentation as I never did business with PRA. 
Check attachment as this is my last chance trying to rectify this issue when I never gave you consent to use my personal information meaning you are committing aggravated identify theft and fraud and will be reported to the FTC and legal matter will be held against you as you are willfully and knowingly using my consumer report with Extortionate means violating 18 USC 894. It is not my duty to teach your employees the law however I will hold you in noncompliance
Product: Credit reporting or other personal consumer reports

I been sending letters and the past ndpressent to get things deleted from my report im just asking simple may yall please just remove the items and help me fix my credit report i can go back n fourth with the usc codes and getting all the account numbers which take a lot of time for me because i cant get in contactwith some of theae companys they simplely got a computer screen with all my info they see what accounts im talking about its a list right infront so i just wan na make it easy any account that report old late payments before the last XXXX  days can u change it to current aint like the company will know anycharge off accounts take off my report and remove all inquires as u can see 80 % come off this year anyway im just a regular person like yall trying to better myself and i would love your help very much in bettering my future
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 XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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: Credit reporting or other personal consumer reports

After placing forth a dispute with Transunion, I have waited for a response to the dispute which list the fraudulent credit accounts and to no avail. As a victim of Identity theft Transunion is bound by the Fair Credit Reporting act to review and assist me in holding information furnishers accountable for not procedurally guarding my information and allowing thieves to benefit off of accounts I did not authorize.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX the account attached was supposed to be deleted per agreement with the dealership and general manager. Also attached is the agreement screenshots & confirmation.
Product: Payday loan, title loan, or personal loan

Debt Recovery Solutions which is a collection agency for Loan by Phone has placed a collection of {$210.00} on my credit report for a so called loan by phone back in XX/XX/XXXX. This company came out of no where with this loan. When I spoke to them they said it was in XX/XX/XXXX or XXXX. XXXX!! I never had a loan from these people nor did I receive anything. I have a my bank statements for years now that shows where any loan monies I receive or received been deposited and that amount and company is no where on there. I'm XXXX because I have disputed with XXXX XXXX an nothing was done it is not accurate. I have no unpaid loans from this company. I may have applied but never went through it. I have statements to prove it. Its destroying my credit score and these people need to stop. Funny thing is my kids father received a call from same people saying he had a loan by phone and a balance he never touched a loan in his life. Please help I don't want to be robbed for monies I never received. They can't even provide documentation and/or receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent accounts listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. Please remove these fraudulent accounts from my credit report.XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX {$540.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$4200.00}. I have attached copies of the FTC Identity Theft reports with this complaints. Te 2 reports numbers are XXXX and XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus in XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against this occurrence. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

collection as well as loan accounts are on my credit file & should not be XXXX : {$2800.00} chargeoff XXXX XXXX XXXX XXXX {$840.00}
Product: Consumer Loan

i got involved into a car loan with 23 % apr with a promise to refinance, but coming to find out the lender does not refinance existing loans. leaves me stuck paying XXXX in interest.
Product: Credit card or prepaid card

I updated my CapitalOne Credit Card after noticing unauthorized charges. I also blocked vendor ( XXXX  ) from accessing my card. In the meanwhile, as the CapitalOne mailed me a new card for my new account the charge from the same vendor showed up on my credit card transactions again even before the new card was received by me in mail or was activated, i.e. a ) blocked vendor is able to b ) charge my card which is c ) not activated! On my question how it's possible for a blocked vendor to access my not-yet activated new account/card or why did they share my updated financial personal information and new card number with a vendor that I specifically blocked, the CapitalOne keeps telling me that it's VISA who might have shared it with the vendor not them?! Whoever does it I think commits a financial fraud. Please note that the charge is still not taken off my account even though I opened dispute month ago and even though the CapitalOne confirmed that the vendor had been blocked from charging my new account/card. I spent hours talking to CapitalOne with no resolution, they would not even want to share with me how can I file an official written grievance and who do I send it to. I think unauthorized sharing of private financial account information and putting charges without owners authorization is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.