23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a second mortgage home equity line of credit with XXXX XXXX. My first mortgage loan was foreclosed. I was never materially delinquent with XXXX XXXX. When XXXX got notice of the foreclosure hearing they accelerated my loan, still not delinquent. The loan balance was an amount that could easily have been converted to an unsecured loan, but they wouldn't consider it. XXXX charged off my loan. This activity is from XXXX through early XXXX. 

In early XXXX XXXX 's recovery department called me and we worked out an arrangement. I paid a third of the loan balance ( {$54000.00} ) in an {$18000.00} lump sum, I'm paying a third in installments, and once I finish paying {$18000.00} in installments XXXX  is under contract to cancel the last third. 

Even though I am timely paying the required installments, XXXX reports me as very past due on the loan. I don't see how they can report me past due when I was never seriously delinquent on the original loan, they got nervous and accelerated the loan when I was willing to keep on making regular payments, and I am fully performing the terms of the arrangement with the charge off department. I don't see how they can even call the loan part of their regular reporting portfolio when it's been charged odff. 

NOTE : this complaint is actually two complains. The original loan was joint credit with my wide, and XXXX reports her delinquent too.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX  XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX informing me that my credit score had dropped due to a report from XXXX. Upon checking, I found that they claimed my Capital One credit card usage of {$2.00} caused a XXXX decrease in my score, with a remaining balance of {$290.00}. I was confused, so I called to ask how I could lose XXXX points over just {$2.00}. 

During the call, they stated that Capital One had mistakenly reported that I used {$290.00} and that my remaining balance was only {$2.00}. However, this discrepancy didn't appear in my other reports or on my XXXX report. I asked them to acknowledge their mistake and correct my report, but they refused to do so. I also recorded the call to have evidence of our discussion.
Product: Student loan

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 XXXX # XXXX, Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account  XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint to CFPB The response I got was " After researching your concern, we were not able to locate a XXXX account associated to you. 

Signed XXXX XXXX Escalation Rep. 

I can't change the information, they can't find any late payments so why would they purposely summit incorrect information to the credit bureau. 
I work very hard to maintain a good credit score and it's not fair that you would penalize me for your mistake. Please contact XXXX and tell them you have no history of my account being late
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per XXXX guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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

I am a victim of identity theft .After reaching out to the bureaus on numerous occasions I strongly feel as if this is my last resort. I am currently in the process of filing a lawsuit against the XXXX, XXXX and Experian. My Lawyer ( XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX has reviewed my case. In his investigation, he found several breaches in the FCRA that XXXX, XXXX and Experian were in non compliance due to my identity theft issues. I have detail certified mail documentation along with a police report that was faxed and mailed in to each bureau. This has taken a toll on my wife and kids and put us in a financial bind. I was also almost arrested because someone used my name and info to commit a white collar crime. 

Here are a list of the fraudulent accounts per bureau : EXPERIAN XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXXXXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$1200.00} Inquires XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX  XX/XX/XXXX XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$6300.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX  {$5100.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Her is a list of all the fraudulent accounts and inquires that took place on my credit profile. 

In my pending lawsuit if I decided to proceed, contingent on the immediate removal of the fraudulent accounts and inquires. We have name the following indiviuals in our civil case against each bureau Experian XXXX XXXX NCAC operations Supervisor Experian XXXX XXXX CEO Experian North Americas XXXX XXXX Vice president and associate general counsel XXXX XXXX XXXX Senior vice president XXXX fraud ID theft XXXX XXXX Vice President and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief legal officer XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX- Director of fraud and identity management XXXX XXXX Exec VP Secretary gen counsel XXXX XXXX senior attorney XXXX XXXX Vice president and division general counsel regulatory These individuals will be named in my lawsuit if accounts are not removed immediately, Thank you
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$11000.00}.
Product: Checking or savings account

Bank of America took {$1200.00} from my Personal Checking Account ending in XXXX on XX/XX/year> to cover XXXX XXXX XXXX XXXX XXXX Credit Card Debt ending in XXXX. I called the bank and asked about the amount taken for my account. 

Bank of America told me the have the right to offset and would continue to take money from my Personal Checking Account to cover XXXX XXXX XXXX XXXX XXXX Credit Card Debt.
Product: Debt collection

Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted Calvary Portfolio Services a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to Calvary. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.
Product: Debt collection

ERC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. 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 ERC 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 including : 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 : ERC 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 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

account being opened without your consent, I Do Not have a Contract with COLUMBIA DEBT RECOVERY a credit inquiry made without your authorization, Never provided Consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.
Product: Debt collection

I have a debt with XXXX XXXX for unpaid restitution from XXXX with a balance of {$680.00}. After reaching out to the clerk of courts in XX/XX/XXXX, I was advised that Collection Management Company now owns the debt. Upon going in person, I noticed that the office looks abandoned, no one to speak with in person, and the hrs of operation are very limited. I called their number on XX/XX/XXXX and spoke with XXXX. XXXX told me that I owe balance of {$850.00}, which includes a 20 % fee. After I begun to question XXXX about the fee and balance, she became very irritated and and began to do some math on her end to better explain. I advised XXXX that I can't just take her word for it and that XXXX needs to send me a itemized bill to reflect this fee. I received a letter date for XX/XX/XXXX. In that letter, there are multiple line items that include but aren't limited to " As of XX/XX/XXXX, you owned XXXX '', " You were charged this amount in interest, XXXX '', You were charged this amount in fees, XXXX '', etc. My concern is that the the legal court docket, shows a balance of XXXX. I called after receiving the doc and XXXX told me that they didn't receive the account until XX/XX/XXXX, I'm confused on why they would send me a bill with a balance date prior to when they received it but somehow added a fee in there. I advised XXXX that they can't just tell people there's a fee without providing proof of it. I then received another letter that was typed out to me stating that they charge 20 %. In any case, 20 % x XXXX, is NOT XXXX. I would like all alleged fees waived/removed. This is much more impactful than everyday credit collections, Credit Management Company is collecting on behalf of XXXX XXXX, ultimately keeping people on probation/parole due to unpaid court fee, fines, etc. This is a form of systemic oppression when people are given made up fee to increase the amount they actually owe.
Product: Credit card or prepaid card

I asked the company to help me on XXXX with a hardship plan. They did said the card would close temporarily and no interest would be charged. 

They closed the account permanently and will not open it back up they also charged all the interest on the account please help. 

I contacted the credit companies twice with chat conversation from me and the credit card company. 

Still the same outcome.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/scrub>XXXX and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Source receivables : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report that have adversely affected my creditworthiness. Upon reviewing my report, I have identified multiple erroneous entries, including incorrect pay dates, account numbers, and spelling of my first and last name. Additionally, there are inaccuracies related to my addresses and contact information. 

These discrepancies not only misrepresent my financial history but also hinder my ability to secure credit or loans. I take my financial responsibilities seriously, and it is imperative that my credit report reflects accurate and truthful information. 

I kindly request a thorough investigation into these errors and prompt corrections to ensure my credit report is accurate. I appreciate your immediate attention to this matter and look forward to your swift response.
Product: Checking or savings account

Since, the opening of bank account with HSBC BANK USA, NA., I was unable to add bill payee OR make bank to bank transfers to my own account I tried to contact XXXX XXXX of HSBC customer relations. She said she is investigating the bug. 

Even after several emails, she has chosen not to reply to my emails. 

It is irresponsible breach of trust from a big bank like HSBC. 

My account is unusable. 

I made several complaints with the following ticket IDs. 

XXXX is the ticket number dated XXXX XXXX, 2021 - NO RESPONSE YET ID:XXXX is a ticket dated XXXX XXXX, 2021 - NO RESPONSE YET
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my credit report. I did not authorize this inquiry and believe it may be a result of identity theft or an error. 

Unauthorized Inquiries : XXXX XXXX. Date : XX/XX/year>. Source : XXXX XXXX. 
XXXX XXXX. Date : XX/XX/year>. Source. XXXX XXXXXXXX. 
XXXX XXXX. Date : XX/XX/year>. Source. XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations
Product: Debt collection

I would like for Experian to removed XXXX XXXX XXXX off my credit report because earlier I filed a dispute and they have failed to provide a proof of validation of debt. They verified the account but there was never a proof of debt validation send to me. I disputed the same account on XXXX  and it was deleted from my credit report. I would like for Experian to do the same.