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

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit card or prepaid card

My credit card was used at Florida where I never been there. Here are the details : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX FL {$400.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

+HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

My mortgage company transferred my loan on XX/XX/ from RUSHMORE LOAN MANAGEMENT to RUSHMORE SERVICING/NATIONSTAR The company is showing account closed instead of transfer. Also, Rushmore Loan Management is reporting me 90 days past due when in reality my payments have been transferred to Rushmore Servicing. Company has made a mistake and needs to correct the problem. They are quick to put negative information on your report but slow at correcting the mistakes. please assist in this issue as this is impacting my ability to get fair and reasonable credit.
Product: Credit card or prepaid card

I applied for two Credit Cards from two different Banks. Bank of america was seriously delayed so I called them. On the phone I was told I had a Freeze. I removed this a Few months back when I punched Land. the operator said I had a freeze but since she had me on the phone she said I can re-submit my application once again then put me on hold. So I got on my laptop to confirm if I was being lied too. I see on my laptop that I had not Freeze and that I was being lied too. The Bank assistant get beck on the phone and states '' Congrats you are approved for {$7000.00}. I told her wait! I just checked my Credit card Company that I placed a Frees on and Removed that Freeze and there is NO FREEZE! i said you lied to me! your Company lied to me. I said because you delayed my credit you had to lower my amount because as you can see XXXX XXXX gave me {$10000.00}. Because your company delayed my card and then used an excuse that I had a Freeze and as you can see this resubmission you did not mention on the then Siad because of your negligence I can not use you and do not want it. She then stated well, I have to read you these 4 things. I then just hung up. 
Well, I then get a letter from the Credit Card Company, Bank of America stating " At my request they have cancelled my Application. A second lie, because it went beyond Application and is Approved for {$7000.00} and Bank Assistant stated! Then lied and said my income is insufficient. I applied for a loan just a week ago and was approved for {$50000.00}. Then Bank of america threw in another lie stating I was denied because of no deposit or investment balance. 
Remember the woman on the phone told me I was approved for {$7000.00}. and still continued to lie writing we make decisions with current economic situations etc., etc. They did not mention the reason was becasue they dragged their tails and then lied and said I had a Freeze to cover themselves. Then Approved me for a Lower Amount then spewed out lies to cover their tails! Have to make this short your system stated I must hurry up or be timed out!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am would like to inform you that I do not recognize these accounts. Suddenly they appeared in one Bureau while other bureaus do not report these unknown for me accounts. I believe I became identity theft victim, otherwise I can not explain their existence in my report. I requesting you delete them from my profile as I can not move on in my life because of them ... Why do I have in my profile somebody's else information or misleading information? Its not fair absolutely so please help me and remove them.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and 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 reported in XX/XX/year> and XX/XX/year> to be removed. 

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 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c2 ), that you, The XXXX, XXXX, and Experian credit reporting agencies, 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 personal credit card accounts opened and collections accounts opened. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of all accounts and inquiries in question as well as a copy of the fact that my personal information was impacted by the XXXX XXXX XXXX. I do not recognize the aforementioned accounts, collections, or 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING A LATE PAYMENT FOR MY CREDIT CARD WITH XXXX XXXXXXXX XXXX  FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT TRANSUNION. 

AFTER SEEING THIS LATE PAYMENT I CONTACTED XXXX  XXXX. THEY EXPLAINED THAT THIS WAS A BILLING ERROR ON THEIR END AND THEY CORRECTED THIS ISSUE AND ISSES A REFUND FOR THE FEE. I HAVE ATTACHED PROOF THIS LATE PAYMENT IS AN ERROR.
Product: Student loan

Ive called many times and emailed regarding my PSLF status as I was just transferred to Mohela. I can not get ahold of anyone to tell me any next steps but the website reflects Ive made the 120 payments necessary for PSLF to happen.

The website directs me to US Dept if Ed to verify employment but I have already completed those steps with XXXX
Product: Debt collection

In XX/XX/2015 I attended a continued education program through my union and got hurt while I was there so I visited the hospital and got looked at. The hospital ( MARYLAND XXXX XXXX ) gave me the bill and I gave them my current XXXX XXXX insurance number which was up to date which then my insurance took care of it. This debt collection has been showing up in my credit reports for the past 3 years and and is causing financial hardship.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ACCOUNTS and INQUIRIES Letters As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX - {$290.00} Based on : 15 U.S. 1666b - Timing of payments AND 15 U.S. 1681a - Definitions - 2. Exclusions ( A ) i.

It is my understanding that this information should not be shared publicly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to see what was happening as is my right. I ahve written Experian many times telling them that they are reporting inaccurately. However, they have done NOTHING to fix the problem. I write them XX/XX/19 an let them knowthey are reporting an account inaccurately and where the information came is unknown to me on collection company called XXXX XXXX - on XX/XX/19 they responded and stated their notes they updated the account and processed it in XX/XX/2019. They didnt make a single change or update to the account as referenced on page 3 of the submitted document. I have shown that a paid account is NOT A CHARGE OFF. I then disputed it again on XX/XX/19 pointing out more errors that they could not have updated or validated the account as there are THREE ( 3 ) different dates of last activity with all three main bureaus. Again I expected deletion as is my right since they are reporting inaccurately. I wrote them again on XX/XX/19 and advised them that the account was never a charge off and yet they started reporting is as such when that was never the case and for well over a year there was no reporting. They responded that they updated the account. The only change made was removing the comments section and NO LONGER REPORTING account is in dispute. See enclosed information. They have never looked into this account. They have never verified it to be accurate. This is a direct violation of my rights. On THREE seperate attempts they have ignored my letters and just gave fluff back. Never once did they follow through and get the correct information on the account. I demand deletion for the inaccuracies as well as for their PROVEN violation of the FCRA/FDCPA. I have written them a 4th time, but given their extreme neglect of my rights I dont suppose they will do any better.
Product: Debt collection

Date Reported : XX/XX/XXXX Collection Agency XXXX AND XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor ClassificationXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of First DelinquencyXXXX XXXX XXXX The collection was for a wifi device that was stolen from my property and still has an active police report. I told XXXX and they copied on it. I went to sea duty and never got an notice about collections from XXXX and/or XXXX XXXX XXXX Upon my return I was surprised to find this collection notice and I paid right away. The account however was reported and still shows on my credit profile. XXXX XXXX isn't doing anything to help me out except saying that account is closed. I disputed with XXXX credit agencies and only XXXX remove it from my credit report. XXXX and XXXX are not doing anything unsure why. Request that this be removed due to the fact of me being on XXXX XXXX out to sea and not getting any consideration. It is literally XXXX USD and now hurting my prospects to get a hosue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,  XXXX  and Experian credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   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
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am being charged for the transaction of laptop which did not materialize XXXX {$1000.00} XXXX. Irony is I do not have the laptop also but still I am being charged for it. 

It seems the Citi bank is confused with the other transaction where the laptop was purchased but was returned back ( noisy fan ).
Product: Credit card or prepaid card

Today I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Lane Bryant account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a XXXX  balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a XXXX   balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX already agree that they will delete it from all credit bureau and for some reason they are miss-reporting
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I found my coinbase crypto account was transferred by a scammer with a huge sum of two times Total {$100000.00}. Then I wrote an email to coinbase to remain them some fraud company to transferred my money away. Coinbase reply me email said need 5 business day to solve the problem and locked my coinbase account. but until now it is over two months, coinbase never answer me and I email to them many time, they dont answer me and still locked my account, I still have some bitcoins in my account, they are illegal locked my personal account, They are responsible for the loss of my account.
Product: Credit reporting or other personal consumer reports

Personal Statement To whom it may concern, I am asking that all disclosure forms that I signed to have my non- public information be provided from the above companies stating that I cave permission tor any or my transactions and or experiences with the creators to be reported to any outside third party including but not limited to Experian, XXXX XXXX and XXXX.. According to 15 US Code S 6801 addresses the protection of non public personal intormation and accordina to non public intormation All late tees are included according to the law. Non publi personal intormation is a transaction and or experience made between myself and the creditor directly..My rignts have been violated greatly per the GRAMM LEACH BLILEY ACT 15 USC S 6801-6809.. Please remove all negative reporting referring to the above accounts immediately. There is a continuous obligation to respect my privacy and transactions.. Please remove upon an immediate basis. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding several items on my Experian Credit Report that are not accurate. Please be advised that my Social Security Number is XXXX, and my date of birth is XX/XX/XXXX. 

My report has a record from XXXX XXXX XXXX XXXX. I do not recognize this account, and I am not responsible for it. Please remove this account from my report immediately. 

Additionally, I do not recognize several hard-inquiries on my report. Please remove these hard inquiries as well : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Additionally, my name is not XXXX XXXX XXXX. Please remove this name from my report. 

I sent a complaint about this to Experian via USPS Priority Mail ( Tracking ID XXXX XXXX XXXX XXXX XXXX XXXX ), which was delivered to them over 30 days ago. Experian failed to respond to my request within the allowed 30-day time-frame, and therefore Experian is now in breach of the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed complaint XXXX. XXXX still has not provided the documents requested in this complaint. The company has yet to prove a balance is owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana. Billing statements and or a contract are not enough to prove a balance is owed. Accounting records are needed to prove a balance owed. XXXX cant provide that information. XXXX has sent out correspondence trying to extort me for an extension of credit that the company can not prove is owed. Thats a violation of 18usc 894. There are heavy penalties for this crime. In addition XXXX is reporting this derogatory account to my credit report through Experian, XXXX, and XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information every condition must be met to report my non public personal information to non affiliated third parties ( Experian, XXXX, XXXX. ) I never received any disclosures from XXXX. The FTC states without proper consent it is identify theft. A violation of 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. The information that is being reported to my credit report from this account is false and inaccurate. Its a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. If the company refuses to delete the account then Ill proceed forward with litigation. Ill pursue civil action for a failed requirement under the Fair Credit Reporting Act 15 U.S.C. 1681 s-2 ( b ), pleading for damages, caused by the XXXX, for false and negative reporting. I do want to bring up again the master purchase agreement as if this does get tied up in litigation itll be a key piece of evidence used. Companies that sell debt state in these agreements that they do not guarantee the information to be 100 % accurate. You can try using a Bill of Sale but theres this thing called the Rule of Completeness. I can request all relevant parts to a writing or a recorded statement. This ensures there are no misleading version of events. 
XXXX be sending a copy of this compliant to the State Attorney General and the FTC as there elements of extortion and fraud along with FCRA violations.