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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian 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. These fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XX/XX/XXXX. This is my 3rd attempt trying get Equifax and XXXX to update my consumer report and make sure it reflects the same information as XXXX. I paid my debt for less than the full amount and XXXX is reporting the information accurately but the other 2 credit reporting agencies are not. Credit limit {$8700.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a disgruntled consumer, I demand to be informed of the meticulous measures your organization undertook to validate the accuracy of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The law mandates that a consumer reporting agency must furnish to the consumer a detailed account as mentioned in section 15 USC ( 6 ) ( B ) ( iii ) - a notification stating that upon request by the consumer, a comprehensive explanation of the process utilized to ascertain the precision and integrity of the information must be supplied by the agency, which includes the name and address of any information provider consulted regarding said information and the contact number of said provider, if reasonably obtainable ; no later than 15 days following the reception of the consumer 's request for said explanation. I previously contacted your company to inform you that I am a XXXX Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I am a victim of a mistake by Missouri Child Support Enforcement. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears!

It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.
Product: Mortgage

Good morning, I am desperate for help. This email is to share how a XXXX XXXX is making everything impossible for me to take possession of my homes and American homeowners homes. 

Please be advised that I didn't pay my mortgage XX/XX/2024 and XX/XX/2024 due to a hardship. Also, right after I missed my first payment I received phone calls daily from them demanding payment, not help. 

On XX/XX/2024 I contacted Fay Servicing to make both payments which they refused because they began foreclosure proceedings and didn't have the foreclosure costs. 

Surprisingly, I contacted the bank again and asked when they began the foreclosure process which notified me over the phone that the process began on XXXX XXXX, 45 days later I missed my first payment. 

On XX/XX/XXXX, I contacted the bank again to find out if they had the foreclosure costs and I was surprised with a {$5900.00} additional bill on top of the mortgage payments. Yes, according to the bank because I missed the XX/XX/XXXX and XX/XX/XXXX payment on XX/XX/XXXX they decided to begin the foreclosure process and will not accept any payment until I pay the {$5900.00} to cover foreclosure costs etc. 

I have 2 loans with them and the other loan they are charging me {$5600.00} for foreclosure costs for a total of {$11000.00}. 

Fay Servicing told me that usually they " begin the Foreclosure process in 45 days and every single client has paid the foreclosure fees ''. 

Please be advised that I have money to pay mortgage payments and make payments up to date but they dont accept them and will continue the foreclosure process if I dont pay the foreclosure fees. 

Is it me or the bank is making everything impossible for me so the bank can keep the homes and make a big profit selling them? 

Please see attached and please help me find out if this practice is legal in the state of Massachusetts and how can I make payments and avoid foreclosure? I want to keep my homes. I need help. 

Cc'ed : XXXX /XXXX XXXX XXXX - XXXX XXXX - MA XXXX - XXXX XXXX / XXXX XXXX MA XXXX - XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX - Office of Inspector General ( OIG ) for the Board of Governors of the Federal Reserve System ( Board ) and the Consumer Financial Protection Bureau ( CFPB ) XXXX - XXXX / MA XXXX - Fay Servicing XXXX - XXXX XXXX - XXXX XXXX MA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I received a response from Equifax regarding CPFB complaint # XXXX. After viewing the complaint CPFB suggest I contact Equifax in regards to a third party authorization. After CPFB suggest I contact Equifax to give Authorization to the third party regarding this case. I wasn't given any other information on who I need to give authorization too. At XXXX XXXX, I called Equifax at XXXX, my call was answered by an Agent name XXXX. After I explained my reason for calling. XXXX ask several questions but refused to take my authorization to allow any third party to my case, update my credit file information such as my phone number, addresses, etc. I carefully explained to XXXX he needed to contact CPFB to respond to the complaint. He refused to contact CPFB as well. He seem to have taken this for a joke. On XXXX, This case was closed by CPFB the same day the response came back from Equifax. I wasn't given a chance to go any further with CPFB regarding my case. I need to proceed with this case because Equifax has not corrected the information in my credit file. My case was not solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text alert on XX/XX/2021 at XXXX XXXX advising Transunion made an unauthorized charge from my debit card/bank account in the amount of {$24.00}. I immediately contacted Transunion via customer support email and request they refund the money ( since it is not me who is responsible for the transaction ), but they refused and would not respond to anymore of my messages. I didnt purchase anything from those scam artists. My identity was stolen ( XX/XX/2021 ), and I assumed my finances would be safe after I reported my issue do the DOL and several other agencies. Clearly I am still a target. I just want the {$24.00} that TransUnion stole from my account.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, 2022 XXXX XXXX XXXX under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. On XXXX I applied to XXXX for a license to unblock my funds. On XXXX I have received license XXXX authorizing JP Morgan Chase Bank to return the funds to the originator. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX informing them on the fact of issuance of the above mentioned license and asking them to return the funds to my account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, I can not receive my money even having the license authorizing it.
Product: Vehicle loan or lease

Bank of America is erroneously reporting an account as delinquent to my credit report in an effort to cheat me out of money. This account was paid in full and never late. Please see the enclosed documents. 

BANK OF AMERICA XXXX not mine
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) XXXXs evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/XXXX upon trying to sign into my online bank account for bank of america I found that I couldn't sign in and when I called none of my security questions matched. When I called they determined that I needed to change them because someone stole my online information. I discovered that {$5000.00} had been wired from my account into another unknown account without my knowledge. I filed a claim with them multiple times on XX/XX/21, XX/XX/21, and on XX/XX/21. When the claim finally went through they credited my account with the money and after their " investigation '' they said they found that they couldn't get the money back from the person who stole it from me. And it must have been a wire transfer that I supposedly gave permission to. It was a fraudulent wire transfer that I never approved. I filed complaints with the FTC for a identity theft report # on XX/XX/21 report # XXXX and I Aso filed a police report on XX/XX/21 report # XXXX I gave bank of america all of this information and they still said that I was at fault. I requested the documents from their investigation and how they came to their conclusion and they only sent me a paper saying that I must have approved the transfer. It shows on my account that it was to another account in Sacramento.I am at a loss of what to do now and in fear of my financial reputation being ruined over fraudulent charges that had nothing to do with me.
Product: Credit card

Based on a recommendation from XXXX XXXX I opened a credit card account with Ally Financial Inc . The premise behind opening this account was due to the fact that XXXX XXXX and Ally Financial stated that this would improve my credit score. In addition, they both recommended that I utilize this card to pay gas and food bills. So, I did.

I pay off all of the charges that I incur on a biweekly basis and have never missed a payment. Ally 's website confirms the aforementioned information. My credit score went down by over XXXX points and is still dropping. There is no reasoning for this. 
I contacted customer service as was told that the negative credit was due to using their credit card and nothing to do with my payment history. Note : Again, I pay off my balance on a biweekly basis. This is false advertisement by XXXX XXXX and a scam by Ally Financial Inc . Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

By filing this CFPB complaint, I, XXXX XXXX, am informing the credit reporting agencies that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXXL XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Product: Credit reporting or other personal consumer reports

Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. 


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

I received a voicemail from a woman on XX/XX/XXXX at XXXX Pacific time. When I listened to the voicemail I could not hear a company name and I could not understand the person. But in this message she stated that if I did n't call back she would sue me. I called today XX/XX/XXXX and spoke with a rep and a XXXX XXXX in the escalation department and advised her of the voicemail. She advised my account was only XXXX past due ... And they would pull call and do coaching. I advised this was not acceptable per any First party Collection laws and or the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my public records be suppressed from reporting through Lexis Nexis and was granted my request on XX/XX/XXXX who reports to all 3 major bureaus. in XX/XX/XXXX I filed bankruptcy and noticed it was reported to all 3 credit bureaus 4 months after I was approved to have them suppressed from reporting. I have spoken with them on several occasions and they have been giving me no answers to how this could have happened.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because a Mortgage company in whom I am a client of is misreporting my account to Experian. They are reporting inaccurate late payments that are false and are damaging my credit worthiness, character, and reputation. I have disputed with Experian and Experian has failed to ensure that the company report my account completely accurate. They are allowing the company to verify the misinformation my account. I have disputed this account with both Experian and the creditor to no avail. I am reaching an impasse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 's XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX Over the past XXXX plus years I have purchased at minimum XXXX vehicles from XXXX, including a used vehicle for my daughter which I co-signed for. That transaction was reported to my credit file as joint and the bills came addressed to both myself and my daughter. 
In XXXX, my husband went to XXXX to purchase a vehicle, a short time later he called to ask if I would co-sign for the vehicle, which I agreed to. 
Later that evening, the salesman and my husband arrived at my home, the salesman stated that he needed me to sign the paperwork, during which, I noticed my name was first followed by my husbands. I inquired if that was correct because when I co-signed for my daughter her name was first on the contract. He assured me he was doing the deal the same way as last time and that I was co-signing. I asked him to provide me a copy of the paper when completed. Which he agreed to do but never provided Approximately a month later, my credit report indicated that I was the signer for XXXX ( XXXX XXXX ), without my husbands name. 
I contacted the salesman and told him what transpired, he assured me that was correct because we are in a community property state, and signer meant that I co-signed, he stated the paperwork was submitted just as it had been when I purchased the car with my daughter. When my husband went to the dealership, the salesman told him it would be corrected and re-submitted. 
I disputed the item on my credit report, requesting it show the financing as jointly with XXXX XXXX. The entry was corrected as requested. 
I then began receiving billing statements from XXXX ( XXXX XXXX ) which indicate only my name. On the registration it shows only my husband 's name. 
On XX/XX/XXXX I checked my credit report again and the entry returned as showing only me as the signer.
Product: Mortgage

Identity was stolen to purchase a home in Florida under my information. I found out after the fact with the bank and filed a police report. I have attempted various times to provided ocwen with the information they needed to stop harassing me about this debt. They claim the police report is not validate because it was not done within a year from the incident, again I was not aware of this home until years later. They are now contacting me at all hours of the day and constantly sending me statements and insurance information for a home that has been foreclosed. Please make them stop this harassment.
Product: Debt collection

I had made a agreement with Metro Collection service, inc on a debt. Marking {$100.00} payments each month, of which I did keep my part of the agreement. During the last few months I took it upon myself to increase the amount of the payments. I called on XX/XX/2017 to find out my final pay off amount. XXXX informed me at that time my pay off amount was {$130.00}. I agreed that matched my records and sent the payment in, asking only for a lot tree r confirming the pay off. On XX/XX/2017 I received a letter informing me they received my payment, but now I owe another {$140.00} and they asked for a payment of {$140.00}. Due right away. This does not match my records and was not the info o was given.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV FUNDING LLC PLACED A COLLECTION ACCOUNT ON MY CREDIT FILE WITH THE OPEN DATE OF XX/XX/2019 {$600.00} BALANCE THAT WAS WITH XXXX XXXX XXXX. I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAD GOTTEN THIS ACCOUNT REMOVED BUT I GUESS IT WAS SOLD TO THEM AND IT IS NOT MY ACCOUNT.