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

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Opened on XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/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: Vehicle loan or lease

On XX/XX/XXXX, Chrysler Capital received a check from myself to pay off the lease-buyout. I included the pdf of the pay off amount and that it was good through XX/XX/XXXX. On XX/XX/XXXX, said check was cashed, but my account showed that I was past due on my payment. I previously put a stop payment on my checking account through XXXX to prevent a Chrysler Capital from debiting my account. When I called, a customer service representative stated to, Give it 48 hours max to close the account. I called Monday and it is now Friday and my account is showing past due payment. My account does not show the pay off.
Product: Credit card

XXXX DISCOVER FIN SVCS XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DISCOVER FIN SVCS XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DISCOVER FIN SVCS XXXX acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

Shellpoint Mortgage did not pay hazard insurance out of my escrow. Every year we have the same problem and I have always had an escrow account. Last year I had to change insurance because they did not pay with agent and insurance company and myself sending them the info needed, which they already had with the escrow account. Same thing this year and they send letter stating going to put forced coverage on property. Been trying to get resolved for over 1 month with agency and insurance sending dec pages and all info needed - should have been finalized sooner. From last Monday, XXXX XXXX thru Friday I have spoken with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX - the last XXXX being Mgr and Director, who told me they themselves would not have handled so well that there was no excuse and they would have handled more harsh than I have. They have all the phone calls I made and also my agent. The agent and the Insurance company have Sent XXXX dec pages and info needed this last week and all they had to do was get insurance Out before Friday, which they did not do. Info was sent, I called and explained insurance was cancelling if not received by Friday but they still did not get out until Friday afternoon, which was too late. Shellpoint has said today XXXX/XXXX/15 they have called and told insurance company was on the way there and got the tracking number. ..of course all after the fact so I still have to confirm that I have insurance. None of them could tell me why with all info being sent numerous times and all my phone calls it did not happen. All they can say is that it should not have happened and that it is unacceptable. Yet this happens every year and they have my escrow money, which is almost {$2000.00} Shelipoint has caused me to have to pay higher premiums. I have never dealt with such an incompetent customer service department and my agent has stated same. Insurance company could not Get response from them either.
Product: Credit reporting or other personal consumer reports

On XX/XX/2016 an erroneous bankruptcy was filed. XXXX XXXX XXXX - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the XXXX XXXX XXXX We are informed that the policy of the XXXX XXXX XXXX XXXXs to remove successfully completed XXXX XXXX cases from the credit report after seven ( 7 ) years to encourage debtors to file under this chapter.
Product: Credit reporting, credit repair services, 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. 

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

XXXX XXXX credit card by XXXX XXXX  charged me a late fee despite receiving a payment each month that I had the credit card. Each payment was made at the beginning of the month and for amounts far exceeding the minimum payment due. In XX/XX/2018, despite receiving a payment of {$2000.00} at the beginning of the month, I received a bill saying that I owed the minimum payment again by the end of the month. I communicated with the company that I had already paid over that amount and was basically told that I had to pay it again because they had applied my previous payment to the previous billing cycle. I did not have the money to pay the bill again as I had already paid it that month so I paid the bill as I always do at the beginning of the following month and I was charged a late fee. So basically I was charged a late fee for not paying my bill twice in one month. My attempts to get them to realize their error have fallen on deaf ears. I feel like this company is abusing the system.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions this is defamation off character and also against federal laws. These accounts are not mine and were opened using my personal identification without my consent ACCOUNT # ( XXXX ) as well as ACCOUNT # ( XXXX ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Product: Mortgage

We had a home for 15 years in XXXX XXXX, NJ and my husband lost his job in XXXX of XXXX. We tried to sell the property in short sale, but XXXX denied XXXX separate short sale offers. We went into a backdated foreclosure in XXXX of XXXX and had moved out of the house at that time. XXXX then got caught up in the robo-signing mess and our foreclosure was put on hold. In XXXX, we were told that the XXXX forgiveness act was expiring and we should file for bankruptcy against the house due to it still being in our name and again in active foreclosure. The home was discharged in XXXX XXXX. Our loan had been sold to XXXX when XXXX went under, and they were notified of the bankruptcy. They assured me that they would put the home in sheriff sale, but during the XX/XX/XXXX, 6 years after initially leaving it, we were told it was sold to Seterus. Seterus has been calling me weekly ( every 5 business days ) on my cell phone to try to collect the debt, though they know we were discharged and they have been given the file number repeatedly. We also get weekly or bi-weekly collection notices through the mail. 
The house is still in our name though it was turned over to XXXX in XXXX, and we are forced to still rent due to the inability to attain a mortgage because of the lien in our names. 
We have been given varied directions by attorneys, such as to rent the property and make some money, do a deed in lieu, which had already been offered and refused, or just wait it out. 
We need help!!! There is no end in sight at this point, and it is severely preventing us from moving on with our lives.
Product: Mortgage

Seterus reported my payment was late XX/XX/2016. I can provide copies of my customer account activity report generated by Seterus showing a payment was received on XX/XX/2016 in the amount of {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting I have two open mortgage accounts which is incorrect. I have one open mortgage account and one closed with a XXXX balance as it was transferred TO A NEW LENDER. I HAVE NOTIFIED EQUIFAX of this numerous times and they are still reflecting the one account that should be closed with a XXXX balance as opened with a balance. I have reported this incorrect information and the other two credit bureaus have the correct information reflecting but Equifax is still not reporting my information correctly. the XXXX lending account should be closed with a XXXX  balance and they are reflecting it as opened with a balance.
Product: Checking or savings account

Recently received notification of an electronic funds request. 

Closed Bank of America Account Identity Theft External account access to account Fraudulent mail correspondence Cell ported number Can not contact Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Credit card

Fraudulent charge on my account from XX/XX/2023, I reach out every couple weeks as they look into the issue. While they tell me I'm not responsible for any fraudulent charges, they have been charging me interest and late fees, and now reporting to credit bureaus. I have a flawless credit history, and they are damaging it due to no fault of mine.
Product: Debt collection

I had medical debt that was sent to collection agency from the hospital. I am a XXXX XXXX  XXXX veteran and these type of emergency bills are covered. The hospital failed to Bill the Department of Veterans affairs. So it went to a collection agency, I called the collection agency and tried to get the records, so I could get them submitted to the VA to get them paid as I had 2 years to do so. They told me to call the hospital which I did, they submitted everything in there system they could find to the VA. They could not find the debts in question. I called the collection agency and again asked for information and billing for the debts. I never got anything from them and was told to recall the hospital. I am unsure who even owns the debt and at this point I cant even verify the debt. I have did my best to resolve this matter and need help.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Us dept of education : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 it also states a consumer reporting agency can not furnish with my written instructions 15 U.S.C 1681c section 5 states no consumer reporting agency can make any consumer report containing any of the following items of information and other adverse information other than record of convictions and 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, credit repair services, or other personal consumer reports

I sent off letters to dispute accounts with Experian, XXXX and XXXX in XXXX of 2022. I still havent received a response from any of the them in almost two months later. The dispute was in regards to these consumer reporting agencies reporting information without my permission. According to 15 USC 1681b, a consumer reporting agency may only furnish information with written instructions of the consumer. And I am the consumer and I didnt provide them written instructions to do so. Furthermore, 15 USC 1681a ( 2 ) says that reports containing information solely as to transactions or experiences should be excluded from a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to get these UNAUTHORIZED inquiries removed and no one is helping. 

XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

I put my home in a bankruptcy in XX/XX/XXXX. The bankruptcy was dismissed and the property was foreclosed on. It was sold to another lender who is reporting the property as being foreclosed on in late XX/XX/XXXX. It is affecting my ability to obtain credit and pursue the possibility of owning a home again. I have not been contacted by the new company that foreclosed. It is still also showing a past due balance of XXXX which is inaccurate if the property has been foreclosed on.
Product: Credit reporting or other personal consumer reports

Dear credit reporting agency Thank you for your response regarding my dispute. While I understand that you are still working on my request, I would like to bring to your attention a specific provision in the consumer credit law that outlines the time frame for responding to disputes and the potential removal of negative marks. 

According to the Fair Credit Reporting Act ( FCRA ), specifically section 611 [ 1681i ], when a consumer files a dispute with a consumer reporting agency, the agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). However, there are certain circumstances where the agency must respond within a shorter timeframe. 

In the case of an expedited dispute resolution, if a dispute is resolved by the deletion of the disputed information within XXXX business days of receiving notice of the dispute, the agency is not required to comply with the regular XXXX reinvestigation process [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This expedited resolution allows for a more efficient removal of inaccurate or incomplete information. 

Additionally, there is a provision in the FCRA that requires the consumer reporting agency to provide prompt notice of the deletion of disputed information to the consumer, either by telephone or in writing, not later than XXXX business days after making the deletion [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This ensures that consumers are informed of the outcome of their dispute in a timely manner. 

Therefore, I kindly request that you adhere to the time frames outlined in the law and promptly complete the reinvestigation of my dispute within the required time frame. Should the disputed information be found to be inaccurate or incomplete, I expect the appropriate deletion to be made and a consumer report based on the corrected information to be provided to me within XXXX business days. 

Thank you for your attention to this matter. I look forward to a swift resolution in this matter. 

[ [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section XXXX11 [ 1681i ] [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section 611 [ 1681i ] [ [ 3 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ]
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX  XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX  XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my XXXX  credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both XXXX  and XXXX XXXX  with no results.
Product: Debt collection

*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

In XXXX XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XXXX XXXX. 

Those items are : - XXXX/XXXX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : XXXX - {$980.00} These debts were all incurred in XXXX XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.