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

I completed an identity theft report and sent it in to the credit bureaus with the information and spoke with two representatives stating it couldnt be removed. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Credit reporting or other personal consumer reports

I am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA. 

My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX acct. # XXXX and SCA Collections XXXX  acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX now operating as XXXX XXXX XXXX has hired a company called Accelerate Receivable Management , Inc to collect what they claim is a debt of {$2900.00}. This is for a single cholesterol panel ordered by my family physician in 2014. This lab had ZERO contracts with insurance providers and was therefore out of network for all patients. Therefore, in order to get business with physicians they entered into an agreement that they would accept the insurance company 's out of network payment and not hold patients responsible for any remaining balance. I signed paperwork that assured this also XXXX. Therefore, the charge is completely fraudulent. In addition, when I got a hold of my insurance company I was told that they did not pay the claim because XXXX did not submit the claim properly and the insurance company denied the claim and asked for additional information that was never provided XXXX separate times. Now the claim is past the 15 month term and XXXX or Accelerated Receivables Management, Inc will not be able to submit the claim anymore, period. Accelerated Receivables Management, Inc is now asking me to provide an explanation of benefits that my insurance company can no longer provide me and attempting to charge me for whatever portion of the bill was not paid by my insurance company. This is outrageous and XXXX these companies should be investigated for fraud.
Product: Debt collection

I was seeing a XXXX from XX/XX/XXXX to around XX/XX/XXXX, on my visits I would receive an invoice with the portion of the bill that I owe and I would pay that amount each time I was asked to. 

The last time I received an invoice from this provider was on XX/XX/XXXX at which point I paid the outstanding balance that I owed at that time ( according to their billing ). No subsequent bills have been received by me ( either by mail or electronic format ). 

Starting around XX/XX/XXXX I started to receive collection calls ( initially thought they were scams since I get those a lot ) but finally discussed my account with the collection company and verified it was related to the XXXX charges I referenced above. I reviewed my own EOB 's from the previous year and confirmed the charges are consistent but again, I had never received ANY communication from this provider regarding outstanding charges since that bill I paid, nothing in the mail, no email or phone communications- they just sent it to collections. 

I plan to pay the charges I owe but do not feel that I owe the interest since no attempts to collect on that debt were ever made by the provider.
Product: Credit reporting or other personal consumer reports

I got a new XXXX through XXXX XXXX XXXX on XX/XX/2023. On XX/XX/XXXX I made my first payment through my personal account in XXXX online banking since I am able to see all my personal accounts including my XXXX XXXX XXXX account through Online banking. 
After that, I create the payments through XXXX XXXX in my Business account ( XXXX XXXX XXXX XXXX  XXXX ) I always pay my cars through my business account not personal account. Since my previous XXXX car was through XXXX XXXX, this payment was already created. I modified that automatic payment and added the XXXX XXXX XXXX  account number but inadvertently did not make the change from XXXX to XXXX, therefore even though the payments were created and sent with the correct XXXX XXXX they were sent as a check to XXXX instead of XXXX  ( a completely mess ). On XX/XX/XXXX and received an email that my car account was past due ( I did not receive an email prior to this or by mail ). I contacted XXXX XXXXight away and they said that my account was paperless and that they do not understand why I did not receive an email or phone call prior to that. I explained the entire situation to them but of course they said they understand it was a mistake and that they already reported me to XXXX and I need to fight this with them. They say they will add the notes of what happened on my profile that way when XXXX contacted them, they were able to explain but they can not call XXXX on my behalf. I have been fighting with XXXX since that trying to figure out where the payments are and to obtain the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested - by CFPB complaint XXXX - that promised theft protection be provided and notice of protection be provided to me. 

No information on protection has been provided to me.
Product: Mortgage

I was initially in a loan payment delay during COVID as I was laid off from my job during the pandemic. Once I gained employment, I reached out to the company about a loan modification ( enclosed ). I completed all of the requirements of the loan modification and was sent loan modification paperwork ( enclosed ), which needed to be signed and notarized. I sent all of the signed and notarized completed paperwork in on XX/XX/2022 and my updated payment was due on XX/XX/2022 which I paid through their collections.The loan modification was reflected on my XXXX credit report on XX/XX/2022. I have also made the XX/XX/2022 payment. I am still getting calls from the Mortgage company threatening foreclosure and an overdue balance. The mortgage company also has reported late payment, despite me being signed up for a mortgage forbearance program in addition to going through the loan modification process.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, 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 days 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 XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Checking or savings account

This started on XXXX XXXX XXXX I withdrew a cashiers check and deposited this check to the safety deposit box for my landlord. they confirmed that they received the check but the check was never applied to my rent as intended. This check was still cashed and I have a copy of the check from my bank which I retrieved in XXXX XXXX XXXX. I provided this copy to the landlord and they threatened to evict me. since then I have express to my bank that I need something more than what was provided in the copy of the check as the details of the payee in the check are completely illegible. it looks like that information was scratched off. I have not gotten any help from my bank and they will not provide any more information about the check. When I spoke with First Republic bank representatives, they said that I would have to reach out to my bank. Both banks seem to just passing the buck back to the other and this is not getting me any closer to resolving this issue. 
Meanwhile, Ive slipped into severe housing and stability and financial instability with no reasonable means of the fact remaining. I paid my rent every month I I lived there.
Product: Credit reporting or other personal consumer reports

These inquiries on my Equifax credit report must be removed. I did not give written consent for them to be reported in my consumer report. XXXX XXXX XXXX. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The following information i did not request for my credit to be pulled : XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX 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 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Equifax had published a Bankruptcy on my consumer file from courts in XXXX, TX and XXXX, TX. I did not give written consent to Equifax to publish this on my consumer report that's a violation of my consumer rights. When I challenged it, via certified on XX/XX/2021 they removed the bankruptcy and replaced with a federal bankruptcy and reported the date XX/XX/2021 that's a violation of my consumer rights. So they reaged my bankruptcy that's a violation of my consumer rights. They did not furnish any mailing address either, that's another violation of my consumer rights. Equifax has refused to respond in a timely matter, thats a violation of my consumer rights. I sent them an certified affidavit on XX/XX/2021 showing them my consumer right laws that they have broken. On XX/XX/2021, I sent another certified letter asking them to permanently delete this from my file.
Product: Money transfer, virtual currency, or money service

I am a student at XXXX, XXXX. I was looking for a place to rent and found this place on a XXXX group for XXXX students to look for housing XXXX XXXX XXXX XXXXXXXX housing sublets and roommates- XXXX XXXX It was posted by someone named XXXX XXXX. I contacted her on XXXX XXXX and she gave me the address XXXX XXXX XXXX XXXX, XXXX. She said she is a biochemistry incoming masters student at XXXX. She also gave me a video of the place which she said her brother took as she didnt contact the landlord. She gave me the number of the landlord whose name is apparently XXXX XXXX XXXX ( XXXX : XXXX ( XXXX ) XXXX ). I asked him if i could see the place in person to which he replied that XXXX might have shared the video and it was taken a week ago. Also he lives in XXXX and isnt planning to come to charlottesville soon. I didnt mind as I assumed the video was recent. He asked me to fill a rental application and charged {$100.00} which i transferred through XXXX on XXXX ( Shows the merchant name as Virginia XXXX on XXXX ) on XX/XX/XXXX. He also gave me a number earlier ( XXXX ) and I wasnt able to transfer it on this as it declined from my side. He gave me the lease and i signed it and asked me for security deposit and one month rent ( XXXX {$1500.00} ) through XXXX. I transferred it to XXXX ( shows XXXX XXXX as the merchant on XXXX ) on XX/XX/XXXX. He also gave me a number earlier which didnt work on XXXX  ( XXXX XXXX ). I deposited the amount and just went to see the place from outside the same day and realized that the video doesnt match the house and there were already people living in it. I asked him and made up some excuse that his friend wanted a place to stay so he gave it to them. Also I was told it was a 2bed/2bath house but when i went i saw it was a 2 floor house. I checked online and I found on zillow that it was last sold in XXXX. The landlord however gave me a certificate of ownership in which it showed he bought the property in XXXX. He also gave me his Indiana ID. All this while I was also touch with XXXX, the student whoI was confirming everything with including the fact that there were people living in the house. The moment i realized the video is different from the house and the property is not owned by this landlord I realized that the person XXXX and the landlord might be the same. I filed a claim at Bank of America though which i did my transactions and gave them the details they asked on XX/XX/XXXX itself ( the day i paid the XXXX deposit and saw the house from outside ). Also the XXXX XXXX i found them on, I saw multiple messages from random people describing sort of similar housing space posting on it. I think Im not the only person or they are targeting other people aggressively. Im 100 % sure this is a scam and i hope ill get some help. I am an international student and it has not been long here for me and that money is hard earned.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on a account when i was not late. From the date of my account being open which was XX/XX/XXXX the dates have been inaccurate on my consumer report. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i was not late with payments for this account on XX/XX/XXXX XX/XX/XXXX and upon viewing my consumer report again there was inaccurate reporting on dates. Please investigate and provide proof with statements showing that these late payments were late and furthermore any repossessions and my consumer report having no inaccurate information to the best of their ability with maximum accuracy being reported. The following are inaccurate information on my consumer report ( LAST VERIFIED ) XXXX XX/XX/XXXX XXXX nothing reported XXXX- XXXX reported ( DATE LAST ACTIVITY ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX DATE REPORTED ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX DATE OPENED ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX BALANCE OWED ) XXXX {$XXXX XXXX XXXX XXXX XXXX} ( ACCOUNT RATING ) XXXX XXXX XXXX XXXX XXXX  ( ACCOUNT STATUS XXXX XXXX XXXX XXXX XXXX XXXX  Closed ( CREDITOR REMARKS ) XXXX XXXX XXXX XXXX Nothing Reported XXXX XXXX XXXX XXXX LAST PAYMENT ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX ( TERM LENGTH ) XXXX- 48 months XXXX 48 months XXXX  -nothing reported... If proof cant be provided i demand all payments be updated to paid as agreed on time as they should be due to the fact i wasnt late and there are inaccurate information on my consumers report. Thanks! please see screenshots attached
Product: Vehicle loan or lease

In XX/XX/2022 i saw that someone had opened accounts in my name. I disputed these accounts with credit agencys. theres XXXX accounts from first help financial and XXXX from XXXX XXXX. 
Theres also XXXX names that are not my name in the account. Also addresses that are nor mine. I dont owe that money. Ive lived in XXXX XXXX my entire life. Those accounts are from somewhere in the USA that i have no knowledge of. You can see my info and see that everything i have is in XXXX XXXX. Not in The US. Also, inquiries that arent mine are also there.
Product: Credit card

I called to report unauthorized charges on my card and was told for security purposes they would be canceling that card and sending me a new one while they investigated. Rather than cancelling and closing that account they opened up a whole new one for me that I was unaware of with the same balance owed so now I have XXXX accounts showing up on my credit report as delinquent rather than only XXXX! They never let me know the outcome of the investigation either and because of XXXX accounts being delinquent my score has significantly decreased to the point that now that I've lost my job and can't afford my rent I can't even get approved for a loan anywhere when I had an XXXX XXXX XXXX prior to obtaining this card!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1400.00} XXXX 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have owned the home at XXXX XXXX XXXX in XXXX XXXX since XXXX. The home was completely destroyed in the XXXX fire in XXXX XXXX XXXX, XX/XX/XXXX. Since losing the home I have been trying to come to an agreement with the mortgage company to avoid foreclosure. 

I do not intend to keep the property and wish to swiftly move to sell the remaining land or transfer the deed back to the mortgage co. 

I have made many attempts by phone, email and regular mail to file financial documents and submit applications for the decision to terminate the loan and we have been completely ignored, or even worse handled by claim and mortgage agents who have no idea what to do in this situation. 

Given the extreme loss of home and property there is no way I can continue to make loan payments on a house that doesnt exist. 

I just need the mortgage company to reply with an educated professional opinion and advice in order to avoid foreclosure. So far, the company has made this simple request impossibly complicated! 

Thanks for your attention,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a legal name change and bankruptcy. I came back to attempt to reopen a new checking acvount with XXXX. They lied to me and said my account was still open and I would need to repay the owed money from my Chapter XXXX first. But couldn't officially ask for it back. They have cashed my checks for XXXX dollars so far with the loan account number that I've since verified with Transunion was closed with my bankruptcy. They refuse to speak with me and clearly KNOWINGLY DEFRAUDED this money from me with no intention of offering me a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a 2nd complaint against Equifax. I had an incorrect collection with XXXX XXXX on my report that cost me 35 points. I disputed this several times with Equifax, as it was not my debt, and paid to the original provider NOT XXXX XXXX. When XXXX and XXXX   received my dispute, they immediately removed it from my reports and gave me back my points. Equifax has not. When I disputed this through you, they generated a generic response through you to me. Their response does not satisfy me and although this item was IN FACT REMOVED, I received 1-2 points back, not the complete 35 they took away. Something needs to be done as this is definitely not FAIR REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.