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

XXXX XXXX - XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX - - XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX - - XXXX - - - XXXX - - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - XXXX XXXX XXXX CO - - PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Experian has been an issue for me for years. Recently a fraudulent account showed up on my report from a credit recovery company that I have no knowledge of and owe no money to. I never signed a contract with this company and was in the process of buying a home. Now the loan fell through because Experian dropped my score XXXX points due to this fraudulent transaction. I had identity theft a while back. placed several police reports about it, froze my credit and now this. This account is not mine. 

Experian also has a name on my report that is not legally mine that they have not taken off my report. I get confused for this person all the time. 
The FTC also has a case of identity theft with them as well. XXXX Is the complaint number. 
I included one of the many police reports filed.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Someone tried to open an account during fraud and identify theft.
Product: Mortgage

Original mortgage with XXXX ; they failed to accept short sale ; I was insovlent and unable to pay. XXXX transferred mortgage to XXXX, who issued a XXXX in XX/XX/2014. Now Shellpoint Mortgage Servicing is trying to collect, saying I have an outstanding mortgage with them for the same property. My credit it showing all three as unpaid and negative. The debt was cleared when the XXXX was issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B 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 Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Product: Payday loan, title loan, or personal loan

After hurricane Harvey in XX/XX/2017 I made a claim with Conn 's home plus regarding items lost. I pay for their warranty on all my products. I was told there was a high volume of claims and it would be a while. I waited 6 months, sent them multiple emails, took pictures of the damages as requested, and kept being told to wait. Two years later they have completed ignored me and I can not keep making payments in items I don't have because of damage. They took advantage and have committed fraud against me. I want this solved so I don't have to hire a lawyer.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts on my credit report as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts that need to be blocked and deleted are as follows : Accounts : XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX XX/XX/XXXX
Product: Student loan

I was in an Income-Based Repayment Plan with Navient and opted to overpay for multiple  months. I was removed from the Income-Based Repayment Plan for " paying '' myself " out of the plan. '' This was never mentioned  to me as a possibility or a negative of overpaying what was owed each month. I only discovered this was the case because I received a startling high bill and called in to see why my bill had jumped to over $  XXXX . When I asked for an explanation I was told I could possibly be put back into the Income-Based Repayment Plan ( I still had 6 months left without having to re-apply ) and they would make a note on my account. I am still trying to figure out how to allocate my overpayments to the principal. According to their website and the woman I spoke with on the phone, the only way to do this is to mail a physical check and each time, include a payment plan/schedule. Their sample payment plans are unduly confusing and I can not figure out how I would even set  one up with a physical payment. It is misleading and unnecessarily confusing that you can not allocate how your overpayments are applied online. To force a customer to do this manually EACH time, AND only if you 're paying with a physical check, is concerning. I doubt most people under the age of 40 us e physical checks to pay their bills. For instance, my main checking account is solely online and I would n't be able to include a piece of paper if I order a check through them to go to my student loans (   XXXX   XXXX    ). This  is really frustrating as I 'm trying my best to actually pay off my loans.
Product: Mortgage

On XX/XX/XXXX I received a notice from my XXXX XXXX XXXX XXXX XXXX reflecting an overdue balance for water and sewer charge of XXXX plus late charges of XXXX. I immediately called my mortgage company, AMERIHOME to find out what was the reason it was not paid in time despite my monthly escrow payment made on time. They were unable to give me a reason, I faxed then the notice for immediate action. Nothing happened, the agent I talked to just took note of my call and didn't escalate the case so on XX/XX/XXXX I received a 2nd notice with XXXX late charge. I called XXXX and faxed it for immediate payment and at this date all they tell me is that they are working on it ... ..This is unacceptable.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account I am filing a complaint against XXXX, Equifax, and XXXX due to inaccurate information reported on my credit reports regarding an account froXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Below are the details of the discrepancies : 1. Account Number Discrepancies : Equifax is reporting a different account number for this account than what is shown in XXXX and XXXX reports. 
2. Account Open Date Discrepancies : XXXX reports a different account open date compared to Equifax and XXXX. 
3. Late Payment Reporting Discrepancies : XXXX reports four late payments, while XXXX and Equifax report five for the same account. 
These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information.

I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the three violations noted.

Please provide a response detailing the actions taken to correct these issues.
Product: Checking or savings account

Quite honestly the only reason we decided to give Huntington a shot was because of their promised sign on bonus. It said that if we signed up and had a collective total of {$1000.00} or more direct deposited into our account within 60 days, that after 90 days we would receive a {$150.00} bonus. We have far surpassed the requirements and after multiple phone calls and messages, I have come to find that was a complete lie, and Huntington isn't willing to abide by THEIR agreement. Every representative asked for a bonus code... THERE ISNT ONE. The link is still on their website and explicitly states that the only way to get the bonus is to follow that link. No code. It doesn't give you one. I have a screenshot. This is beyond unacceptable - I've already had to file a complaint against Huntington for holding a check under false pretenses ( tried to say we double cashed it, when we most certainly did not ) and making our mortgage payment bounce. Give me what you agreed to or I will have no choice but to get my attorney involved and rake your company over the coals for every lie you're worth.
Product: Debt collection

This debt was paid off XX/XX/XXXX. ProCollect ( the company ) accepted payment for all debts in their offices in XXXX, XXXX. XXXX XXXX received notice from the company on XXXX/XXXX/XXXX that all debts had a XXXX balance and as part of the agreement, the debt would be removed from his credit report ( proof of this email exchange has been sent to the company 22 times, final receipt was by certified mail on XXXX/XXXX/XXXX. ) After collection attempts continued, the CFPB was notified and a case was opened ( XXXX ). The result of the case was XXXX XXXX would no longer be receiving phone calls from the company and the item ( s ) would be removed from his credit report. The items were removed from the report, then subsequently added back to XXXX XXXX ' credit report. ProCollect has violated the Fair Debt Collection Practices Act and with malice has caused due harm to XXXX XXXX. Representation of ProCollect has not been accurate, nor have they been lawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$37.00}, {$4100.00}, {$5200.00}, {$0.00}, {$320.00}, {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6.  XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have two fraudulent credit cards reporting on my credit report on XXXX. 

They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted my lender representative SLS ( Specialized Loan Servicing ) in XX/XX/2021 and explained I was experiencing a loss of income due to Covid-19. I asked to be placed into the Covid related forebearance program. SLS complied with my request and stated I was not required to make monthly mortgage payments for the months XXXX, XXXX, and XX/XX/2021. SLS further stated the missing mortgage payments for those XXXX  months would not be considered delinquent or reported to consumer credit agencies as delinquent. 

On XX/XX/2021 I received a letter from SLS stating my mortgage was now considered delinquent despite me being in the Covid related mortgage forebearance program. I am concerned SLS is reporting my mortgage as delinquent to my lender despite my approval for mortgage forebearance. I am concerned SLS is reporting this erroneous delinquency to a credit reporting agency in violation of the program. I am concerned if because of future covid related loss of income I need the forebearance program extended beyond XX/XX/2021 SLS will deny my request based on this purported payment delinquency. 

Additonally, in a prior CFPB complaint I asked SLS to disclose who my actual lender was. Their official response was that my current lender is XXXX XXXX. However, I have been unable to confirm this through the XXXX XXXX website which denies they are my lender.
Product: Credit card or prepaid card

Case ID XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$370.00} Dispute Date : XX/XX/XXXX Dispute Amount : {$190.00} XXXX opened a disputed for {$190.00} on XX/XX/XXXX. Citi Bank resolved the dispute in my favor on XX/XX/XXXX but has failed to credit my account for the disputed amount of {$190.00}. 

It has been 357 days since the dispute was initiated. It has been XXXX billing cycles since the dispute was initiated. It has been XXXX billing cycles since the dispute was resolved. Citi Bank has still not credited my account the disputed amount. 

I emailed XXXX on XX/XX/XXXX asking them to credit my account. This was 9 days ago. Till this date they have failed to credit amount. 

I really hope CFPB and FTC investigates on Citi Bank for fraudulent activities. I highly doubt that the Bank is complaint with all consumer rights and regulations. This is not the first time they have shown fraudulent behavior and have intently defrauded me and stripped me of my rights.
Product: Credit reporting

I obtained my credit report and discovered multiple errors. I send a letter to Experian stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XXXX and it was signed for on XXXX. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XXXX and it was signed for on XXXX, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XXXX and it was signed for on XXXX. I called Experian and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have submitted proof that these items are inaccurate numerous times. I have submitted police reports, FTC reports showing these items are inaccurate. Transunion removed the items and then reinserted them, which is a violation of the law. I have attached copies of everything i have submitted and the laws that were violated. 

See documemts attached ....
Product: Debt collection

They put XXXX on my credit report. They never tell me where is this amount came from or sending any validation Or any notice that I have the amount. I have no idea where is this came from I always on top of my bills never missed one single payment. I called them to ask about it. They hang up on my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a permanent security freezes on file with Equifax, XXXX, and XXXX. I recently went to unfreeze my files with each company and found that Equifax failed to require the PIN that I used when I initially froze my credit report. Equifax also failed to properly identify me when my credit report was unfrozen. In addition, I was not able to use their phone based service as it could not find my file and was forced to use their online service, which I believe is unsecure. Equifax is failing as a credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.