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

Beginning back in XXXX or XXXX during the pandemic I had someone use my identity to open up a cell phone plan with XXXX. I filed a report with the XXXX XXXXXXXX XXXX for Id entity theft in XXXX also had my credit frozen through Experian or XXXX after the identity theft in XXXX or XXXX. I have also filed a Fraud Report with the FTC with the report number being XXXX for this other account that is fraud. 
Back in XXXX of XXXX I field a dispute with Experian for a debt under the company name of XXXX XXXX associates. After Experian reviewed the filed report they removed it from my credit file. Then a company named XXXX XXXX has appeared on my credit report. It looks like they are the trying to collect on the same fraudulent debt that XXXX XXXX associates was trying to. I reached out to XXXX XXXX for more information and was told to call a different company. This company called prime recovery stated that even if I had a fraud report or proof of fraud they would not remove this fraudulent debt. I have also ask for proof of verification of this debt which has not been given. I have also had fraud protection added to my accounts.
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 XXXX5 USC 1681.

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.
Product: Credit card

I am writing in regards to how Citibank reported me as past due and did not even bother to contact me through any of their customer contact channels. I had to find out when my card was declined at a merchant. I opened this new account because Citibank hounded me to open an additional account as they took over the XXXX XXXX partnership. After 6 months of solicitations, I chose to do so and apply - and within 3 months they made an error and reported me past due. I am very frustrated as I have had a relationship with Citibank since 2000 and have NEVER been past due on any accounts. I am very concerned as this will impact my credit score and impact my ability to refinance my mortgage and apply for student loans for my children as they starting college soon.
Product: Debt collection

Company : Collections Associates, XXXX Original lender : XXXX XXXX XXXX keeps reporting an account that has been paid off. They did not send me any proof that account belongs to me and that is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from my creditor, XXXX, advising that they had reduced my available credit limit. On XX/XX/year>, I reviewed my credit score and found that this change had reduced my score by XXXX XXXX  on XXXX and XXXX XXXX  on XXXX. I contacted XXXX and was told that this was an internal change and should not affect my credit score. I was told that I could reinstate my original limit with in 60 days. 
Even with this adjustment my credit usage is at 5 %. 
I am concerned by such a large decrease in my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit card or prepaid card

I opened a Self.inc credit account on or about XX/XX/2020, self.inc helps you to establish a loan for yourself, and build up your credit score. So the terms were that every month I would make two payments one of {$15.00}, and the other one of {$35.00}. I invested a total of {$720.00} with self.inc towards my future investment, and every month that they deducted {$35.00} from my XXXX XXXX checkings account ending in XXXX, they would mail me a check from my account to them, so they would have me mail it to them, after some time they no longer wanted the checks to be mailed they wanted you to pay them with it online somehow. Before you know it they close my account and I was not even late with my payment. I tried to reason with them by email to XXXX they were not in compliance under any circumstances. Completely self centered and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

This in regards to XXXX XXXX  credit card account ending in # XXXX. 
On XX/XX/XXXX i spoke with XXXX, customer service supervisor at XXXX XXXX. 
She said my minimum payment due by XX/XX/XXXX was {$100.00}. I told her by Bank 's billpay automatically sends {$60.00} ( see exhibit " A " ) I made a payment of {$40.00} over the phone with her making the total due. I am just receiving notification that XXXX XXXX  is reporting me 30 days late. As a result my credit score fell XXXX points immediately. 

This is inaccurate reporting and I need it corrected and my XXXX points restored immediately.
Product: Money transfer, virtual currency, or money service

I'm not allowed to link bank accounts ...
Product: Credit card or prepaid card

I received a late fee on my card and as soon as I realized it was late I paid the balance in full and called to try to request a fee waiver. I explained to the agent that due to COVID I can not afford a {$40.00} late fee and because we suffered a loss of income recently. The agent said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Capital One 3xs, XXXX XXXX XXXX, XXXX XXXX 3xs, XXXX XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.
Product: Credit reporting or other personal consumer reports

Talked to an Equifax agent on the phone about the availability of Two Factor Authentication ( XXXX / XXXX ) for personal accounts. The agent didn't seem know what XXXX was and had to put me on hold ask. In the end, the answer came back that it was NOT offered to consumers. 

It's appalling that any business - ESPECIALLY one of the only three credit bureaus- don't offer this capability!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment on my wells fargo credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX branch on XX/XX/XXXX at XXXX pm and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying " I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from wells fargo to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$680.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

My student loans is supposed to be deferred I am currently still in school and it is showing bad on my credit report, I am not sure how to go by fixing it
Product: Credit card or prepaid card

I used to have a checking account with Bank of America for many years, and I still have a credit card with them. I closed my checking account with BoA about half a year ago and opened a new checking account with XXXX. During this process, I made sure that I switched the autopay for my BoA credit card to my new XXXX bank account. I saw that the first credit card payment came out of my XXXX checking account so it appeared to be linked. I went on using my BoA credit card for a few months, but 3-4 months later saw a statement that said I was late on all of my payments since switching, because no payments were being made. I went on to see that not only was autopay not set up, but my XXXX bank details were not even attached or to be found anywhere. I was shocked because I had gone through the bank verification process and still even had the couple cents that were deposited to my XXXX account to verify that I had done it. I went through the process for verification again to re-add my XXXX bank account and paid off the entire amount due for the last 4 months, and then re-setup autopay. I called BoA to say that something had gone wrong with autopay, and I was able to set it up again but wanted to confirm it wouldnt happen again - and wanted the late payments to be taken off my credit history. They stated that I mustve added the bank account and not set up auto pay so they wouldnt be able to reverse anything. But if that were the case, my XXXX bank account details would have at least still been on the account, but not linked to auto pay. I asked a few more times but they refused to look into it. I went online and saw that many others were experiencing some strange things with autopay not working for them, and even for those that did not have any issues, they complained that the user interface for setting it up is not clear at all, and almost seems to set people up for failure so they can collect more fees.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Transunion associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Transunion has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Debt collection

Im writing to file a complaint about portfolio rc. I previously filed a dispute with XXXX   regarding the matter and they just sold the debt to another collections agency once XXXX  removed it. I have tried to dispute it with them and they have advised that the debt is legit and they will continue to pursue.
Product: Mortgage

As per prior complaints against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, there has been mortgage fraud and my house XXXX XXXX XXXX, XXXXXXXX XXXX was seized by XXXX and NewRez, and XXXX XXXX. I have received no funds and no information on why the house was seized and why there was a foreclosure after I attempted to pay off XXXXXXXX XXXX  debt prior to discovering that there were XXXX XXXX XXXX mortgages with my forged signature.
Product: Mortgage

I have an old complaint number of XXXX submitted XXXX/XXXX/XXXX and I have a new complaint number of XXXX filed XX/XX/XXXX. " THIS IS PART OF THE DISPUTE " On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of Vericrest Financial , Inc. A/K/A Caliber Homes Loans, Inc. XXXX XXXX XXXX was an employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or rep. of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by Caliber that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to XXXX XXXX, XXXX. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from XXXX XXXX giving Caliber Homes the Authority to dispose of these matters as it concerns XXXX XXXX XXXX , XXXX, NC XXXX.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated before, Experian continues to report fraudulent information on my credit report file. XXXX XXXX XXXX XXXX  ( XXXX  ) on my credit report file is fraudulent and from identity theft. Experian shares they contacted XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and that XXXX identified the account as accurate. 

Of course XXXX are going to say that the mortgage account is accurate as they were the ones who approved the fraudulent mortgage account. 

I sent police reports, identity theft affidavits and FTC identity theft affidavits. I filed a accurate police report sharing I am a victim of identity theft. That report should be sufficient enough to remove that fraudulent mortgage from my credit report file. 

I am requesting Experian to remove and delete this account from my credit file as per my attorney or we will file a law suit for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account paid with the agreement that they remove from my credit report. Please delete this account from all 3 credit agencies.
Product: Checking or savings account

I had a bill due for XX/XX/XXXX to my XXXX XXXX credit card. I use Capital One for my checking account with their online bill payment service. I had set XXXX payments to be sent on XX/XX/XXXX. On XX/XX/XXXX I received a notification from XXXX that they had not received payment. The funds ( {$500.00} ) had been debited from my Capital One account but not sent to XXXX. I subsequently sent an additional payment on XX/XX/XXXX to XXXX and that also did not process. Upon calling Capital One 's " customer service '' department I was made aware that they knew about the issue for over a week. At no time had Capital One contacted me to tell me of this problem. Moreover, their " solution '' is to return the funds to my account but not pay the outstanding bill or the late payment I have been assessed. This is an illegal practice and should fall under the RICO statute as multiple people within Capital One had to be involved in this fraud. XXXX XXXX, the XXXX, should be held to account and arrested. Capital One has acutely shown they do not care about their customer 's or the law. In searching the web I see this has happened many times before. It is past time to hold them accountable. The fine needs to get their attention. The entire management and board need to be replaced and Capital One should be taken into conservertorship until a new system is put into place.