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

Date : XX/XX/year> Name : XXXX XXXX XXXX Dear XXXX, XXXX, and Equifax 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 ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) 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 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 an 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

NOTE ... FTC REPORT ATTACHED... 

Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX XXXX NOTE : VALID FTC REPORT ATTACHED, social security card an drivers license
Product: Credit reporting or other personal consumer reports

On XXXX  I called the third-party company National Interprise Services that bought the debt from XXXX XXXX. I was advised that If I settled with this company that they would delete and remove my account and report it in good standing as I agreed to their settlement on a recorded line. I got the letter and called back to National Interprise Service later that day to see how long this would take to delete off my credit reports and reflect on good standing they then told me after they were paid that they do not delete or remove accounts in good standing that they do not have authority to delete accounts. The agent then continued to get smart with me and hung up on me. Today I got a credit alert that stats that this debt is now back open after being over XXXX XXXX XXXX and was just recently paid and settled in good standing that my card is now open and reporting a balance of over {$400.00} when my original amount to open the card was only {$200.00} which I paid in the settlement. This company National Interprise Service is unprofessional rude and doing illegal activities on people 's credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I tried to dispute this claim several times, my identity has been leaked online and was used to make several accounts.
Product: Student loan

I have called Navient twice to request that any overpayments of my loan be applied to the lower balance of two loans. On both times, I was assured that would occur, and the lower amount loan would now be paid off. Instead, the amount was applied to the higher balance despite repeated attempts on my part to change the allocation. I was assured that the allocation had been paid. The lower balance loan would be completely paid off by now if they had done so. 

Instead, the amount I am paying towards the balance has DECREASED and my payment is now only 200 % of the interest rate. It is dramatically extending the life of the loan, and it is difficult to view that as a casual oversight as it is in their interest to continue to collect interest for a larger period of time. 

The balance is small, but they will not listen to me or reason with me and they actually REMOVED the option to self-service and direct overpayment allocations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made a complaint to have inaccurate information removed from my credit report XX/XX/XXXX. I've submitted my documentation of proof the Bankruptcy Federal Court documents showing the Federal Court house doesn't share information with any agencies or the credit bureaus, third parties either. As of XX/XX/XXXX I received and email from Experian stating my Bankruptcy information was removed. But Experian decided to leave two inaccurate reports on my credit report which was part of my dispute last month XX/XX/XXXX I made the complaint and stated what accounts needed to be removed. Experian removed three Bankruptcies off my credit report. In my complaint I clearly stated to have the follow removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Record Type XXXX XXXX XXXX petition Reference Number XXXX Experian pick and chooses to remove whatever they want causing harm to my credit worthiness and still fails to provide proof of documentation as Experian claims their information has been verified by the Federal Bankruptcy court house. Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. YOU ARE IN FEDERAL VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY AND YOU ARE DAMAGING MY REPUTATION. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 bureaus.
Product: Debt collection

I moved out of my apartment XXXX/XXXX/XXXX and in XXXX I received a bill from a debt collector requesting payment of {$350.00} from XXXX XXXX XXXX stating that the XXXX & XXXX disconnect date was XXXX/XXXX/XXXX at the same location that I had moved from. I had never received any bills attempting to collect from XXXX & XXXX in three years until I received this collections bill in XXXX. I contacted the collections agency and advised that I turned my service off with XXXX XXXX XXXX on XXXX/XXXX/XXXX, they advised me to get proof that I had moved, I got the proof from the leasing property management that shows the date I moved and mailed it to the collections agency. I called one week later to verify that they had received the document and they advised me that XXXX XXXX XXXX still wanted them to collect and to keep it as a valid debt due. I called XXXX & XXXX and was told that they do not accept proof such as a letter from the leasing company documenting that I had moved. I asked them to pull the record of the call where they were to disconnect the service and I was advised that they could but most likely would not do it. Even with proof that I was not residing at the apartment, they refuse to help me and are attempting to collect a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my credit report for the first time and notice a bunch of unauthorized Hard Inquiries. I did not authorize these Hard Inquiries nor do I know how they are on my credit report. I have filed a indentity theft on identitytheftgov and I have attached it to this complaint and i'm requesting that these Hard Inquiries be removed from my credit report expeditiously.
Product: Debt collection

Date account was open XX/XX/year> Creditor name : XXXX XXXX XXXX Collection agency : Midland cred Balance : {$1200.00}, This company sent this debt to the collection agency as a charge off However, I am unaware of this debt I didn't have a opportunity to dispute this information, if in fact you Believe you gave me proper notification then please send me the certified mail receipt with my name and address on it stating that I received it
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to human trafficking-related debt bondage, which qualifies as trafficking under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX XXXX # : XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX # : XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX # : XXXX Balance : {$450.00}
Product: Credit card or prepaid card

I applied for  the Amazon Visa Rewards c ard for the cash back and promotiona l Amazon  credit. I currently h ave   XXXX   ca  rds and a good credit score with no marks against it. Chase did conduct a hard credit inquiry, so they were aware of my standing. I 'm certain that I qualify for this credit card.      I was asked to submit proof of my identity such as a government issued ID. I sent a copy of my state driver 's license and a copy of a recent bill. I was then notified that the application was closed, and I was given no reason as to why. I also inquired as to what I could do to satisfy their requirements to prove my identity, and they would not tell me. I called multiple times and spoke with multiple representatives, and none of them could give me a reason for the closure or information about what I could do to satisfy them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently had an account by the name of XXXX XXXX on my collections. It popped up out of nowhere, I was never alerted, contacted, or emailed regarding this collection. I have no collections regarding to this. I have tried calling but it sends me right to voicemail. It also says its from XXXX XXXX XXXX XXXX. I can not contact them either because the school had closed down in XXXX for fraud. I would like to get help to get off my credit report, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I never had an online access to my credit report, and of course I was not able to see any changes as well as new fraudulent accounts on my credit report. After I signed up for XXXX I pulled my report and found out there were continuously fraudulent activities on my report. I went to Police Department and also filed a complaint with Federal Trade Commission. The TransUnion told me that they can not accept the police and ftc report since it does not feet their criteria 's. I need your help to putt legal pressure on TransUnion to make them to obey the low as we all do. I really relay on your help, there is nothing else I can do
Product: Vehicle loan or lease

This truck I purchased this truck from XXXX XXXX through credit acceptance it had horrible significant damages prior and that never discussed about when I clearly asked about trucks car fax and any prior damages or work done. I cash put down technically is way more than the value of the truck. They truck is dangerously possibly unfixable. They sold me the truck with an extravagantly large crack along the entire frame. The crack was covered by paint and covered by a half done fast weld. This truck could have hurt me and my family significantly. Should have never been sold
Product: Credit card or prepaid card

I have filed a dispute with Bank of America and the credit bureaus, I have never had a credit card with bank of America. Also how did a credit card with a XXXX limit end up being over {$6300.00}? This is not my account and was opened and used in id theft.
Product: Checking or savings account

I had gone to an ATM to deposit money {$100.00} to be exact to cover a payment coming out of my account the next day. The ATM in XXXX XXXX XXXX took my XXXX dollars and confirmed it had taken it and we drove away shortly after I was informed, my debit card was used but with the wrong pin. This email made me look at my account and I realized Wells Fargo credited my {$100.00} deposit then debited it.. I contacted Wells Fargo immediately to open up a claim that there must be an issue with that ATM. Initially they had put in the claim wrong and it was denied. I asked for a video evidence so that I could show that I did not take that money back out, they would not provide it for me. I called Wells Fargo resolution and they resubmitted a new claim correctly while that was being done. I had gone to the XXXX police department to file a theft and fraud against Wells Fargo so that I could obtain the video from the ATM showing I did not deposit and withdraw the money it was only deposited on XXXX I was reinforced that they denied my claim again because they said I deposited the {$100.00} and automatically would drew it within seconds. I tried to explain to them why would I deposit {$100.00} and quickly withdraw it knowing I have a payment coming out the next day and that I have done this ATM deposits before for this exact same reason and is clearly shown on my account. they didnt care and still denied my claim and kept my {$100.00}. 

I have asked a supervisor of the XXXXesolution department of Wells Fargo to contact me because they would not escalate it while on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XXXX XXXX, 2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. 
This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquire on XX/XX/2016 is still showing on my report where the 2 year mark has passed.
Product: Prepaid card

Bank of america XXXX  there were transactions that I didn't make at all I wasn't around I was in XXXX  I was just released on XXXX and when I was finally able to log in the account I seen charges that I never seven made it was a lot of money so I been trying to file a dispute I sent all my paper work to prove them I wasn't the one using the card I even went to the bank to verify my identity twice and they still haven't let me file my dispute I spoke to XXXX first and they said for me to file the dispute since they have also sewn the paper work when I was released from XXXX bank of america is the only one making it a problem
Product: Credit reporting or other personal consumer reports

I checked my credit report in XX/XX/year> and the amount that was shown on the report was {$7500.00} which do not belong to me. The collection company was contacted several times and was advised that the information on report did not belong to me. 

Charged off Account Account Closed by Credit Grantor Company name is CITICARDS Account number is XXXX
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

1.rent recovery solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX amount {$86.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX amount {$730.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX amount {$100.00}
Product: Credit reporting or other personal consumer reports

Sent letters to XXXX, XXXX, and Transunion regarding the fact that they are reporting an XXXX yr old XXXX XXXX XXXX with wrong information. I asked them to review or delete. XXXX did the right thing and deleted. 

XXXX and Transunion just responded by saying they have verified the info and it is correct. I then resent letter asking for verification of how they got the info. All they said was that it was public record from the court. 

I sent letter to XXXX Bankruptcy XXXX, and they stated that XXXX and Transunion lied because they do not verify or confirm bankruptcy information with any credit reporting agencies. This fact can also be XXXX  when you ask XXXX XXXX Bankruptcy XXXX provide verification to credit agencies. 

Sent letter to both XXXX and Transunion and they never respond and continue to report incorrect information. As a XXXX XXXX total and XXXX XXXX XXXX, this false Information is killing me. Please have them remove this info.
Product: Mortgage

Nationstar mortgage purchased my loan from XXXX XXXX XXXX. Shortly after I refinanced with Nationstar to lower my MMP and APR. My new payment was {$1200.00}. I recently checked my bank account and Nationstar increase my monthly minimum payment ( MMP ) to {$1500.00}. I noticed that they increase my MMP months ago without informing me. I called and asked for an explanation and they said that it was because my taxes increased. I educated them that it was not possible. They then said that it was because I did n't have enough money in my escrow account. I 'm upset that I never had this problem with XXXX XXXX XXXX in regards to my escrow. I paid into a escrow account monthly and there 's no reason why I should be thousands of dollars negative. This was a miscalculation when my home was refinanced. My annual taxes are around XXXX XXXX dollars and it still estimated to be the same amount this year. Theres no reason for Nationstar to increase my payment {$330.00} unless they failed as a bank. This is causing a problem for my finances and needs to be fixed. I am currently paying more after refinancing then I did prior with a high rate and a higher amount financed. Nationstar is acting like they 're XXXX different banks. My previous loan prior to my refinancing was with Nationstar who purchased it from XXXX XXXX XXXX. However, they are basically saying that it 's a XXXX XXXX XXXX issue and not their fault or responsibility. I put 100 % of the problem with Nationstar. They should have ensure that everything was 100 % when I refinanced and they did not. One month after I refinanced they increased my fixed payment.
Product: Credit reporting or other personal consumer reports

I never consented any line of communication.

This account wasn't on my credit report and appeared out of nowhere!

Decreasing my score an extreme financial hardship took place after!

15 U.S Code 1692c Communication with debt!

1 - U.S. Code - Unannotated Title 15. Commerce and Trade 1. Trusts, etc., in restraint of trade illegal ; penalty. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal.