23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

someone I don't know open a bank of America credit card on my name without my authorization, the bank close the card for over 6 month and i didn't have any problem until now. now they asking me to pay the money inside the account even though the account is close, they don't want to help until a government identity interfere. they send me all type of letter including that I own XXXX dollar and the next week then send a letter saying I have pay everything. when I call they always tell me I have to pay everything. i upload it the document that said i only own XXXX and the document that decline to help me. 

also i was told by XXXX of the agent, that after the account was close, the bank make a new account on my name without my authorization put the money from the old account until the new they made. which is totally illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

We need to complain that the  XXXX  Credit Agencies simple reporting system from the banks, is biased against the consumer and small family.Our standing with   XXXX   was misrepresented.
This misrepresentation is intentionally built into the Credit Agency 's systems!
We, the consumer, must have an equal opportunity under our common law rights. This has been denied us.
an equal opportunity to present the ongoing dispute, the facts and actions of the parties.And an accurate and equal The Credit Agency 's ignored the facts, the actions of  XXXX  in refunding us 100 % of all 'late charges ' The facts and actions of the parties are as follows ; a ) There was only one occurrence of a late payment, about 30 months prior to XX/XX/XXXX .At that time l was in Intensive Care a. We asked  XXXX  for the regular paperwork showing our balance, so we could make a special 401k claim to catch up with the balance.
We had not been late prior to hospitalization. Despite numerous phone calls   XXXX    never supplied the norcmal paperwork in a timely manner. Later   XXXX    produced Fraudulent papers to 'clim ' they sent the papers on time.
We were n't the only family suffering from  XXXX  unfair servicing on the same issue.
b ) We never were further behind than that one occurrence ( of two late months ) during hospitalization.
But   XXXX    marked the binary system late every month, after they refused to supply the paperwork, which would have allowed us to be current.   XXXX   themselves stopped us from becoming current, then charged us late charges for about two years or more. This became a serious disagreement with  XXXX .
c ) In the few years since that first occurrence l was hospitalized about fifty percent of the time. And on  XXXX  for eighteen months. Even so, we never extended the two past due payments, past the one time only original occurrence.
d ) In  XXXX / XXXX  we reached an agreement to sell our house and informed  XXXX  we needed to agree to 100 % of the pay-off.   XXXX   agreed to take the action of refunding 100 % of all late payments.
e ) The dispute took a turn, when  XXXX  stopped making any late charges against us in  XXXX .
f ) This action meant the binary reporting method to Credit Agencies was unfair and incorrect. It is biased against families, allowing big banks and the   XXXX   major Credit Agencies to unfairly and wrongfully impose huge damages on our family.
f )   XXXX   actions speak louder than computerized binary reports.On XX/XX/XXXX    XXXX   took ACTION and returned to us 100 % of all late charges.
These binary reports ignore the actual state of affairs and the refund action.
Our direct damages today, due to the biased credit reporting is over {$100000.00} and will climb substantially after  XX/XX/XXXX .
Product: Mortgage

Additionally, please further note that in XXXX at the conclusion of the XXXX  XXXX Bankruptcy filed, both Wells Fargo and XXXX indicated that XXXX XXXX XXXX paid as agreed and was never late. I am attaching the XXXX deed of exemption that I signed on XX/XX/XXXX and the other signed and filed in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for solely XXXX XXXX XXXX.
Product: Credit reporting

I 've written to the Hawaii Federal Bankruptcy Court - XXXX. This is their reply : The United States Bankruptcy Court XXXX does not provide any information to any credit bureaus, all information they obtain is via third party. You are correct that pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last XXXX digits of a Debtor 's social security number along with their full name and address can be released. In order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. I hope this letter is helpful in your matter. 
Sincerely, Clerk of Court. 
I have brought this up to Transunion 's attention along with a document that was filed in court that does not contain my name. The name that is on that document is different than my name. I have been complaining to them since XX/XX/2015 and they still have not remove it.
Product: Debt collection

I XXXX XXXX XXXX, was contacted by XXXX on XX/XX/year>, on a collection of an alleged debt sent to CMI group a debt collector which I didnt consist of and they lied and said I did, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that XXXX XXXX had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate. NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations US code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( XXXX ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. XXXX. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue XXXX XXXX by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc 1-202 upon this notice you have been notified
Product: Credit reporting or other personal consumer reports

I obtained copies of all XXXX of my credit reports from Experian XXXX, XXXX XXXX, and XXXX XXXX on XXXX. 

I noticed multiple inconsistencies regarding the account XXXX XXXX XXXX  which was an old credit card I had a while ago. Account info as follows per agency reporting ( all of which, to start with, are inconsistent in name and truncation of acct # 's ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX On all 3 credit reporting agencies ' listings, the following inconsistencies ( ie inaccuracies ) were found : 1- Terms 2- Date of last payment / date of last activity 3- Recent Payment 4- Highest Balance All 3 agencies are not compliant with FCRA 15 U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also,15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

********* Please delete this account from my credit report at your agency due to the multiple inaccuracies and inconsistencies across ALL 3 AGENCIES. This account was disputed multiple times to amend the many inaccuracies and inconsistencies, and all 3 agencies failed to correct on each occasion. Violations of FCRA as well as NJFCRA. ************** U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 shall ( i ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made report of identity theft to law enforcement dated XX/XX/2021 police report number XXXX. Identified on this report were seven ( 7 ) counts of collections reported fraudulently on my personal TRANSUNION and XXXX credit bureau reports. 

On XX/XX/2021 I certified mailed to all three bureaus a copy of the official police report, three forms of official picture identification, proof of address, my social security number, and a letter noticing the bureaus of documented fraud and identity theft. 

Previous fraud alerts and FEDERAL TRADE COMMISION affidavits of identity theft existed on my credit reports. I requested that the fraudulent derogatory entries listed in the police report be removed. 

In violation of applicable laws to include FCRA violations, TRANSUNION and XXXX  replied to me in writing stating that they would treating my identity theft matter as an informational dispute as, according to FCRA regulations, I did not include a police report.
Product: Student loan

On XX/XX/XXXX, I was enrolled at a state university, where I became an on and off student for a number of years. I was not ready for college, and so, I was not able to complete my XXXX XXXX XXXX. 
When I stopped attending classes, my federal and private loans were consolidated ( about $ 40k ) and have been transferred to several companies throughout the years. They are now with Navient. 
In XX/XX/XXXX, I returned to school and have been in school since. As of this time, I was able to pay back some of my loans and owed about $ 15k. 
In early XXXX, I reached out to Navient to defer my student loans because of my in-school status and my low income. They said that all of my loans would automatically be deferred once they received information from my FAFSA. 
As of XX/XX/XXXX, I am still in repayment for my private loans. When I called Navient today to find out why money was still automatically debited from my account, the representative confirmed that only my federal loans was deferred. When I asked why only some accounts were deferred and not all, she could not provide a straight answer. Because of the Covid-19 situation, they were able to put a 90-day hold due to natural disasters. I am currently working to refinance my loans with a more reputable company.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the credit reporting agencies ( XXXX, Equifax, and XXXX ) have failed to properly investigate and remove fraudulent accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ).

I previously submitted disputes regarding fraudulent accounts on my credit report, along with an FTC Identity Theft Report ( FTC Report # XXXX ) and supporting identification documents. Despite this, the credit bureaus have improperly verified the disputed accounts without providing details on how they conducted their investigation, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 6 ) requiring them to provide a clear method of verification. 

Additionally, XXXX removed one disputed XXXX XXXX account but left the others on my report, which suggests inconsistent and unreliable verification procedures. The fact that one fraudulent account was removed, while the others remain, indicates that their method of verification is not credible.

I am requesting that the CFPB investigate the failure to properly verify and remove fraudulent accounts and ensure that the credit reporting agencies comply with 15 U.S.C. 1681c-2 ( a ), which requires them to block fraudulent information upon proper dispute.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. 

3. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Credit card or prepaid card

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account
Product: Debt collection

Medicredit IncXXXX was issued a debt validation letter from me in XXXX of XXXX. They have continued to call me without sending a debt validation letter until XXXX of XXXX. They had seven months to respond but could not seemed bother to do so until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # LATE PAYMENT - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK - XXXX XXXX XXXX XXXX Has violated my rights. 

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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
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. The 3 credit bureaus are required to authenticate this account 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 item/accounts/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 590. 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 XXXX 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 two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I was charged {$86.00} on XX/XX/year> by XXXX ( aka XXXX XXXX of XXXX XXXX ). I did not make this purchase. I have disputed the charge in writing, as per their policy, with Capital One XXXX, but have not heard back from them at this admittedly early stage. I paid the sum in full to avoid the annoyance of predictable fees and interest added automatically to the forthcoming statements as Capital One 'investigates '. Appallingly, XXXX not only charged me for a service I declined to re-up, but they charged the full, inflated sum of {$86.00}, not the low incentive offer of approximately {$19.00} or less. I have many emails from XXXX confirming my cancellation of the service. In addition, XXXX took several days to 'process ' the online cancellation, thereby adding to consumer annoyance and frustration.
Product: Credit reporting or other personal consumer reports

Experian : XXXX XXXX XXXX and the company XXXX XXXXXXXX XXXX XXXX  made inquiries on XX/XX/year> that I do not recognize. 
XXXX : XXXX XXXX XXXX and the company XXXX XXXXXXXX XXXX XXXXXXXX made inquiries on XX/XX/year> that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates
Product: Mortgage

Quicken loans # XXXX, appraisal was done, I told appraiser that the square ft, figures he was using was wrong and that the assessor was going to change them, the correct figure was 1560 sq. ft. backed up by insurance coverage, the appraiser used 1377 sq ft.. The 30 ft diff, is the way the laundry room is situated ( 1560-1530 ) Had a discussion with Quicken loans telling them that the mortgage should be on XXXX instead of XXXX, told QL you can not have a mortgage on part of my house, they chose to ignore this and we closed. I figured that all this info would go to the dept that handles problems and it would get fixed, never did. Spoke to a RE Atty, she told me that you can not have a partial mortgage and that the lender could not foreclose on a partial mortgage, and the Atty thought the only way to fix this is to have the lender write off the loan since it was invalid as it stood., This refinance was XX/XX/XXXX I waited almost a year for this to get fixed, and it never has. So now ( XX/XX/XXXX ) I am refinancing with another lender, if as the attorney believes that my mortgage is invalid then my new lender has a different pay off. I told QL before we ever closed that this needed to be fixed I didn't hide anything, they have known from the beginning that this mortgage was not valid, so now I have been making payments on an invalid mortgage. The assessor shows sq. ft. as 1530, mortgage is on 1377 sq ft. QL paid the taxes which showed the increase and didn't question why. In one of e-mails QL says that the appraisal is based on the legal description and sent me a copy of same as if any improvements ie : house doesn't count, this is a housing tract not an empty lot. The man that called me today regarding my payment said that they make mistakes but not his department he just wants my payment, problems go to a different dept. I have copies of the discussion and e-mails regarding all this. This appraisal shows 1377 sq. ft. in spite of all the info they have regarding this it still has not been corrected.? How many people have been foreclosed on when maybe they had a way to save their property, especially if there was a mistake in their mortgage? We expected this to be fixed to both of our satisfactions before now, it wouldn't have been that difficult to do, but we were never contacted QL just let it go. This mortgage would never been valid. Contracts aren't supposed to contain major mistakes. Current e-mails are available if needed.