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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681c-2 ) THAT YOU, THE CREDIT REPORTING AGENCY, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT. THIS FRAUDULENT, INACCURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL AUTO LOAN WITH XXXX XXXX XXXX  UNDER ACCOUNT NUMBER XXXX THIS ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS/CHARGE-OFF 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 ITEMS. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS 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/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF A FTC IDENTITY THEFT CRIMINAL COMPLAINT AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal statement, I dont know who put that Phone number on my credit report, how Can I take off that?
Product: Debt collection

On XX/XX/XXXX, I sent Associates Credit Services a letter specifically saying " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. '' They received the letter and sent me an invalid response letter dated XX/XX/XXXX. Associated Credit Services is reporting this account on XXXX XXXX and XXXX. This account does not belong to me, they have been unable to provide me factual evidence proving this account belongs to me. The only document they provided was a balance statement dated XX/XX/XXXXwith an address not belonging to me, dates and amounts. I have attached ( 1 ) the letter I sent ACS on XX/XX/XXXX, ( 2 ) a copy of the certified mail receipt, ( 3 ) a copy of my receipt showing the tracking number, ( 4 ) both letters from ACS dated XX/XX/XXXX and XX/XX/XXXX ( which states " Enclosed please find verification of the debt as per your request ) which both arrived in the same envelope. As of XX/XX/XXXX, they have failed to provide me with VALIDATION.
Product: Debt collection

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Debt Validation Request Per Section 809 ( FDCPA ) To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and is there some contractual obligation that is binding on me to pay this alleged debt. Prove to me beyond a reasonable doubt that I have a signed contract with your company XXXX XXXX XXXX agreeing to pay this assigned debt. Please prove that you are the original creditor. This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a civil suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request and fail to prove that you are the original creditor with proof of a signed agreement within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Regards XXXX XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Today at XXXX check credit score through XXXX XXXX XXXX XXXX using my Android phone. It appeared that I'm employed according to TransUnion. 
I don't know who, what when nor where. Please investigate.
Product: Credit reporting or other personal consumer reports

All of XXXX and continuing into XXXX, Experian and XXXX refuse to follow all USA Federal Laws and State laws for Identity Theft and Fraudulent Credit Card Take Over is credit card fraud to block and delete both XXXX XXXX credit cards # XXXX & # XXXX. 
XXXX XXXX has laced false line entries on both XXXX XXXX credit cards # XXXX & # XXXX and has stolen my XX/XX/XXXX {$100.00} XXXX XXXX mobile app payment to card ending in # XXXX. XXXX XXXX has posted false line entries for false payments to get interest and late fees 2 to 3 months later and XXXX XXXX has moved my payments back and forth between both credit cards to create interest and late fees. THE CARDS ARE CLOSED because of XXXX XXXXXXXX compromising both # XXXX & # XXXX Capital XXXX credit cards is FRAUDULENT CREDIT CARD TAKE OVER AND IDENTITY THEFT. XXXX XXXX continues to post false line entries to get interest and late fees after the XX/XX/XXXX both credit cards CLOSED is credit card fraud. XXXX XXXX has stolen XX/XX/XXXX {$100.00} XXXX XXXX XXXX  app payment to card ending in # XXXX THREE TIMES ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and charged interest and late fees illegally ). NOT FCRA and violating Fair Credit Billing Act and the AZ Consumer Fraud Act ARS 44-1522 and ARS 13-2008. 4 FTC Identity Theft Reports, Scottsdale Police Report and all the laws all 3 parties have violated are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, CITI XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, CITICARDS XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I am complaining about my mortgage not showing on my husbands and my credit report with Experian credit agency. 
Our original mortgage was with XXXX XXXX XXXX. The mortgage was transferred to XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX XXXX 
I emailed and called XXXX on XX/XX/XXXX regarding, the mortgage not showing up on our credit report and was told the mortgage is being reported to the credit agencies. I was told by the representative that Ill need to contact the credit agencies to find out why the mortgage is not listed on our report. 
I called Experian on XX/XX/XXXX at XXXX XXXX  using the number, XXXX regarding this issue. I spoke to XXXX in the Customer Service department. He transferred me to XXXX in the Dispute department. XXXX stated, the membership department should be able to update my file and he transferred me to XXXX in the membership department. XXXX stated that my mortgage will not show up on my credit report. I asked to speak to a manager. I spoke to XXXX and he stated that he can not make any updates to my credit report, only the dispute department can do that. I told him I talked to the dispute department and was told the membership department can only make the change. 
I decided to make a complaint, because I have tried to get this resolved since XX/XX/XXXX. Our credit file does not show we have a mortgage listed on it and my husband and I pay our mortgage on time every month and we deserve to get credit for it. 
I look forward to your response to my compliant. You can contact me via phone XXXX or email address : XXXX XXXX
Product: Debt collection

i have tried 6 times to get JEFFERSON CAPITAL SYSTEMS off my XXXX it is a fraud account i have never had XXXX in my life this is hurting my score i cant buy a home a car nothing because my information was used i have got this off the other two Credit companies but XXXX  is not and i want to take legal action now
Product: Checking or savings account

On XXXX 2020 the Bank of America closed three accounts I had with them since then they sent me money from two accounts in form of checks and one of my accounts in amount of {$900.00} they said was sent to back office for review now month half later after repeated calls waiting on funds being sent out to me today spoke with supervisor say funds will not be returned to me with no reason or Explanation at this point I am confused please help thanks
Product: Checking or savings account

In XXXX, 2023, I opened US Bank XXXX checking account with a premise to receive {$300.00} or {$500.00} opening bonus with qualifying activities, final amount of the bonus depending on amount of direct deposits received to the new account. I met all the requirements and easily exceeded minimum direct deposit requirement by the end of evaluation period, and based on the account opening date, the opening bonus should have been deposited to my account on XX/XX/2023, at the latest. However, I have not received the bonus and have been unable to get help from US Bank in resolving this.
Product: Debt collection

I am writing to address a matter of serious concern regarding a debt collection attempt made byMidland Credit which I believe has resulted in a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Today I discovered that Midland Credit reported a debt to one or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt collectors must provide consumers with certain information before reporting a debt to credit bureaus. 

Specifically, Midland Credit failed to adhere to the following requirements under the FDCPA : Notification of the Debt : Prior to reporting a debt to credit bureaus, debt collectors are required to notify consumers in writing about the debt 's existence. However, I did not receive any such notification from XXXX XXXX XXXX. As a result, I was unaware of the debt until I discovered it on my credit report. 

Instructions on Disputing the Debt : The FDCPA also mandates that consumers be provided with clear instructions on how to dispute the debt if they believe it is inaccurate or incomplete. Unfortunately, Midland Credit did not provide me with any information on how to dispute the debt prior to reporting it to the credit bureaus. 

Timeframe for Disputing the Debt : Even if I had received notification of the debt, Midland Credit failed to inform me of the timeframe within which I could dispute the debt under the FDCPA. As a result, I was deprived of my right to challenge the accuracy of the debt before it negatively impacted my credit report. 

This failure to comply with the FDCPA has had significant adverse effects on my financial well-being and creditworthiness. I have been unfairly penalized due to a debt that I was not properly informed of and had no opportunity to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have not been reporting my XXXX account timely. The last reporting was on XX/XX/2022. There is no XXXX update, today is XX/XX/XXXX. The Credit Bureaus claim XXXX has not provided them with an AUD since XX/XX/2022. 
Therefore I must ask and request the following information : Does XXXX provide monthly updated account information to Experian, XXXX and XXXX? 
If Upgrade has Provided account information since XX/XX/2022 I am requesting a copy of the AUD ( Automated Universal Data., or AUD, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An AUD is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX did not provide the Credit Bureaus with updated information for my account I am asking why not and what is their reporting policy. When account are not updated timely this has a negative effect on my credit score by the following : I do not get credit for recent monthly payments Account does not provide an accurate current balance I am robbed of the month 's payment history which if paid on time increases my credit score.
Product: Credit reporting or other personal consumer reports

Two fraudulent accounts opened in XXXX and XXXX by deceased sibling. Police report filed
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus Trans Union, XXXX and XXXX are reporting incorrectly on credit report. previously account was stating account status of derogatory by all three bureaus with a date opened of XX/XX/XXXX by TransUnion XXXX XXXX and XXXX reported XXXX XXXX. Account with stating as payment status of collection/Charge off and derogatory. reporting date of last payment of XX/XX/XXXX by Trans Union and XXXX while XXXX reported date last payment of XX/XX/XXXX, XXXX on the other hand payment history was reporting OK as agreed by XXXX XXXX XX/XX/XXXX all the way through XX/XX/XXXX while XXXX reported consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Making no sense with data reported on date of last payment dates do not make sense do not match. after I dispute it with all three bureaus for inaccuracies results came back still incorrectly. Data that was being reported on date of last payment has now been removed leaving nothing to show by all three bureaus. Payment history, XXXX deleted OK as agree and replaced it with consecutive charge of all the way. This is not acceptable and I do not tolerate this type of inaccuracies. Account is now reporting a account status of being closed by all three bureaus and XXXX and XXXX have have change the date open to XXXX XXXX, XXXX. Stating incorrect date last active. There is no way that all three bureaus can be correct if information is coming from the same furniture data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance : {$34000.00}
Product: Credit card or prepaid card

When going to make a payment ... once again we are asked to update my email address and it will not accept it. I have linked accounts several times now over the last 10 months and it is getting tiresome when needing to pay account and forced to call them and pay that way. I have had this email the entire time I have had this Citibank Home Depot account. I have EXCELLENT payment history and this hindered multiple payments in a 30 day cycle. It truly feels like they are purposely making it harder to pay down promotional balances and avoid finance defered charges. I won a previous complaint when they improperly applied payments during a lockout situation last XXXX. I am having the exact issue again now with lock out from my on-line access. I have screen shot showing issue once again prohibiting me from access.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was informed of a company called XXXX XXXX. This program was to help you find a home with selection of home to choose by number, and an agent would get in touch with you..You had to go through XXXX XXXX XXXX  and show proof of signing up with them to have an agent contact you by showing you the homes with no down payment nor closing cost only Rent To Own. NEVER happened the company has no contact, but XXXX XXXX XXXX   started taking payment out of my Checking account on XX/XX/XXXX first payment then second one in XX/XX/XXXX up until XX/XX/XXXX, contacting them they have only returned one payment, and I have nothing removed from my credit as said, nor have I seen the Agent to view any homes.XXXX was debited out of my account in order for me to use The XXXX XXXX but never has.

Thank You XXXX XXXX
Product: Debt collection

on XX/XX/year> i had received a call from XXXX the company 's name they said NPAS Solution, llc. and they said it's dept collection agency from XXXX XXXX  XXXX told me i owe {$4000.00} and i did't collected {$2500.00} from my credit card and after that i called them to get the a refund because i found out memorial university of health don't use NPAS Solution LLc for dept collection they have XXXX XXXX only one dept collection company works for them ( i had personally called XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  ) .so basically it's seems like a fraud and i need my money back even if it's not a fraud. if i owe any money to dept collection agency they should send me a mail not call me over the phone and make a deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  amount XXXX ; disputed account and requested for it to be removed because this is not my account and it is still on my credit report with all 3 credit bureaus
Product: Debt collection

I XXXX dont owe ic system any money. I understand ic system is a debt buyer. I dont have a signed contract with ic system. Im requesting ic to ceast and defrain from contract me. I request everything by postal mail. I want ic to delete collection off my credit report ASAP. This is a violation of fcra
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. Upon noticing inaccuracies in my report, I demand the immediate removal of the negative payment status associated with this account from my credit report. SHELLPOINT MORTGAGE XXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several outdated addresses- XXXX XXXX  and two addresses in which I have never lived or used for credit purposes- one in XXXX XXXX  where I have never been as an adult, dont know anyone who lives at this address and the other an apartment which I have never lived at, also dont know anyone whom has lived here or lives here. I have been at my residence since XX/XX/2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.