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

XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The Experian reporting agency, block information appearing on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Mortgage

Due to the change in property tax law put into place for XXXX, thousands of homeowners paid their taxes in XXXX. I contacted Ditech initially to see if they could release the funds but they were unable to do it prior to the end of XXXX. They instructed me to pay out of my own funds and send them the verification the taxes were paid, and they would refund me the appropriate amount. I dutifully paid the taxes due and sent Ditech the verification. Weeks passed and I received refunds from my 3 other mortgage servicesr, but nothing from Ditech so I reached out again by phone and email. They promised to get back to me and never did. To date, I still have a message in their apparently worthless message center fromXX/XX/XXXX that remains unanswered. I called again and was told they would do an escrow analysis -- still no call or email. I just went on line and the brilliant conclusion by the band of roving XXXX is that my payment will not be increasing! No Kidding?! Meanwhile they still are sitting on my over-funded escrow account doing nothing. 

I just called again and after 15 minutes on hold, the call was answered and I was forwarded to an automatic survey which then hung up on me! 

It seems curious that this company with nothing but complaints continues to exist. Completely XXXX   customer service and frankly illegal activities to hold my funds in excess as they have been for the past 3 months!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of collection from Midland and it is reporting negatively reporting on my bureau. This collection is a credit error. Please remove ASAP!
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to bring to your attention an issue regarding the accuracy of my credit report. Upon reviewing my credit report, I noticed that there are discrepancies related to the opening dates of certain accounts. 

Specifically, the opening date of one of my accounts appears to be inaccurately recorded. This discrepancy is concerning as it may affect my creditworthiness and financial standing. 

I kindly request that you investigate this matter and take the necessary steps to correct the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Hello this is very important to me, my name is XXXX XXXX XXXX and i have wrote this complaint because there are two inquiries reporting to my credit profile that i did not authorize. I have stressed to Experian the matter and asked them to respectfully remove them. I did not consent to these hard inquiries and they are hurting my profile. I work full time and when i get the chance to call the credit bureau ( Experian ) they do not help me. I am asking for these to be removed from my profile please. I never HELP. I have sent them my ftc report and still no response.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX  XXXX Balance Owed : {$970.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} Chapter XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX 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 or other personal consumer reports

I am a victim of identity theft. I filed a police report and a FTC report and submitted them to the credit reporting agencies with my disputes. The disputes were not filed correctly and the paperwork was not attached per the FCRA> And I did not get copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My complaint is with Capital One ( XXXX XXXX XXXX ). This is a XXXX part complaint : I had a balance of {$2300.00} at the end of XX/XX/2022. I PAID the FULL balance online yet Capital One didn't apply payment until after XX/XX/XXXX, incurring an additional {$50.00} interest/finance charge. So I IMMEDIATELY paid that {$50.00} and low and behold my XXXX statement comes and they are wanting {$10.00} fee for XXXX BALANCE!!! 

So on XX/XX/XXXX I called Capital One to cancel/close this account and had to go through a supervisor by the name of XXXX ( XXXX XXXX XXXX ) who was sarcastic and belittling. 

I'm contacting you first and the Minnesota Attorney General next as these are unfair practices and need to be addressed.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate information on my consumer report which is not under FCRA compliance. Please remove this account from all credit reporting agencies
Product: Mortgage

We were affected by hurricane Irma. After the hurricane we were contacted by our servicer XXXX about a forbearance and loan modification as a result of setbacks caused by the hurricane. We submitted the application all of the materials for the loan modification only to learn that our loan would be serviced by Freedom Mortgage. 

I notified Freedom of the dispute within the 60 day timeframe and the correction was never made. Upon following up again 2 weeks later, we were then told to resubmit the loan modification application and supporting material which we did 4 months ago. We called numerous times to follow up on our application only to be told it wasnt time to process the loan modification that we were in a forbearance. 

Over the course of the last 4 months we have telephoned Freedom over 20 times, only to be told we need to resubmit the same material we have been submitting since XX/XX/XXXX. 

In XX/XX/XXXX I finally asked to speak to someone in the escalation department and was told that I have been assigned a Single Point of Contact and that because I was current on the mortgage prior to the disaster, that in accordance with Mortgagee Letter XX/XX/XXXX issued by HUD it was a straight forward process and should be resolved within 2 weeks. 

Since that time I have called at least once a week to talk to the single point of contact assigned to me ; over the 6 week period and multiple messages I have yet to have a return phone call, and email, or any form of communication from that individual. The only letter I did receive was to let me know that now Freedom would be reporting me to the credit agencies for being delinquent over 120 days. This is completely unacceptable, especially since I have been paying the mortgage and the delay was not caused by me. The delay was the direct result of Freedom not resolving the issue upon the transfer of the servicing as required and furthermore, stringing out the process. 

I called Freedom again last week and was told that before I can have the disaster modification I need to complete a trial period. This too was incorrect information provided, for one,  we have been paying the mortgage, and secondly as stipulated in HUD Mortgagee Letter XX/XX/XXXX, a Trial Payment Plan ( TPP ) is not required before completion of a Disaster Rate and Term Loan Modification or a Disaster Standalone Partial Claim for a Borrower who was current or less than 30 days past due as of the date of the applicable Disaster Declaration. 

Quite frankly, it is clear to me that Freedom has no idea what is going on or what to do, even though HUD has clearly outlined the policy. As a result, they are now reporting a delinquency to the credit agencies, won't return a phone call to address the issue, and fail to finalize the disaster modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts that are reporting on my credit. I have made a list of these inaccurate accounts that I would like removed. I am in the process of purchasing my first home for my family. Please review my documents and remove the accounts that are listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX loan appears on behalf of XXXX XXXX XXXX in which I have not applied for nor ask for any web or online pay day loan. I'm also filing a complaint with the US Attorney office as well as the justice Department on American Web. My credit file with Experian is opt out on marketing and offers etc. I have not ask or want any pay day loan. It seems like a lot of fraud on Experian part by XXXX  being a part of them. It also seems your targeting people for high loans and a big scam on all parties take your XXXX else where and no you been filed on several agency.I 'm also filing a police report on this company Experian as well as XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that my personal information was being misused to open unauthorized accounts in my name. I promptly contacted Transunion to report this identity theft and requested a copy of my credit report to review the fraudulent activities listed. 

Despite my requests, I have not received the credit report, nor have I been able to get a clear response from Transunion about the status of my inquiry. This lack of communication is concerning and has further exacerbated the difficulties I am facing due to identity theft. I have made multiple attempts to reach out to their customer service team, but my efforts have been met with delays and inadequate responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX  XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX  XXXX accounts can be removed from my credit history.
Product: Credit card or prepaid card

Hi, On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX and then also XXXX ( both attached ). On both of these reports, I found a Credit Card account beginning with XXXX, and ending in XXXX with Bank of America that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the report, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call Bank of America and all three major credit bureaus. I first called Bank of America and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of Bank of America, I was told the account was associated with the address and phone number listed above. 

During this time, I also filed an identity theft report with the FTC, which is report # XXXX After filing this dispute, I received a letter from Bank of America dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I am claiming this credit card account is a result of identity theft. I will be following up this CPFB complaint with another addressed to the three major bureaus who have utilized this Bank of America fraud claim outcome to state that the account listed in their initial reports has been verified as accurate.

Following up, I have also frozen my credit with all three bureaus.

I am challenging Bank of America to produce any documentation to support my creation of this account. And I will sign any document or provide, in any capacity as a witness, that I had no knowledge of this  account prior to discovering it on XX/XX/XXXX, via the credit reports I ran. 

Please let me know of any additional information I can provide, and thank you. 

- XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX regarding their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to a debt they claim to have acquired from Upstart. 


XXXX. Lack of Proper Notification from Upstart : My original creditor, Upstart, failed to notify me that my account was sold to XXXX XXXX XXXX, which I believe is a breach of my loan agreement. 
XXXX. Failure to Provide a Debt Validation Notice : XXXX XXXX XXXX did not send me a debt validation notice within five days of acquiring the account, as required by 15 U.S. Code XXXX of the FDCPA. 
I only became aware of their claim when I checked my credit report and saw a negative entry from them. 
XXXX. Inaccurate Credit Reporting Without Proper Validation : Despite failing to validate the debt, XXXX XXXX XXXX reported the account to the credit bureaus, damaging my credit. 
Under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of credit information must ensure accuracy and can not report unverifiable debts.
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding persistent issues with inaccurate information on my credit reports, as maintained by XXXX, Experian, and XXXX. Despite submitting multiple disputes regarding the same erroneous items, accounts, and inquiries, these inaccuracies remain unresolved, negatively impacting my financial stability. 

The items in question include : XXXX. Student Loans : I have disputed XXXX separate student loans that were fully forgiven due to my status as a 100 % Permanently and Totally XXXX XXXX. 


XXXX. Accounts : Erroneous accounts with entities including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX. Hard Inquiries : Over 60 unauthorized hard inquiries, which I have repeatedly disputed as the result of identity theft. 



To support my claims, I have submitted documentation, including : FTC Identity Theft Report Number : XXXX Data Breach Identity Restoration Number : XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., obligates credit reporting agencies to ensure the accuracy of consumer reports and to conduct thorough investigations of disputes. However, these agencies have failed to fulfill their statutory obligations, leaving me with unresolved disputes and recurring inaccuracies. This failure violates my rights under the FCRA and has caused significant financial and emotional harm.

Furthermore, I draw your attention to recent enforcement actions by your office, such as the {$15.00} million fine imposed on XXXX for failing to properly investigate disputes and reinserting deleted inaccuracies. My experience mirrors the practices cited in your findings, including : Ignoring consumer-submitted documentation, Reintroducing previously removed inaccuracies, and Issuing contradictory and confusing dispute results. 


These inaccuracies have had severe consequences, including hindering my ability to secure financial products and recover from the financial strain caused by identity theft. Despite my efforts to resolve these issues, I have been met with systemic failures by the credit reporting agencies, leaving me with no choice but to seek your intervention.
Product: Debt collection

I moved out of XXXX XXXX at the end of XXXX. There was a verbal agreement that if I vacated by XX/XX/2022 that I would not have any further charges and my remaining deposit would be forwarded to my home of record. I returned the keys and key fob upon the complete removal of all of my belongings from the apartment. The apartment was completely vacated by XX/XX/2022. Since then I have had several collection agencies try to collect XXXX from me. I have received numerous calls in this manner, and none of what they state is true. I adhered to the apartment managers request to vactate the property by XX/XX/XXXX to avoid any collection notices. This XXXX is not being truthful and this is affecting my credit and my rental history. XXXX XXXX is illegally trying to collect a debt that is not owed and taking advantage of individuals such as myself. I was not physically even in the state of California during XXXX through XXXX. I was working in XXXX Washington on a project with the school district and my employer. I can alos provide pay statements which prove this and shows the deciet XXXX XXXX has displayed. XXXX XXXX claims I resided in the apartment through XXXX. This is a flat out lie and they need to be held accountable.
Product: Credit reporting, credit repair services, 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 the following information items. 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Debt collection

A representative from IQ Data International formally known as Rent Collect Global by the name of XXXX called me regarding a debt, she immediately let me know that there was a judgement against me and that they were going to start garnishing my paycheck. I contacted my local court here in XXXX County Washington and they do not have a any public records file against me. I called XXXX back to let her know of my findings, she immediately turned aggressive, she said she would not provide me with any documentation regarding the judgement or my debt, I wanted to make payment arrangements and she did not allow me to. She talked over me during the whole phone call, I could barely get a word out, she kept threatening me and said " you will see how good we will get you when your check gets garnished ''. She threatened to take legal action, she falsified taking legal action and she mistreated me.