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

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Transunion does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. The record shall be removed.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT, THE FRAUDULENT INFORMATION LISTED BELOW IS SHOWING ON MY CREDIT FILE BUT IS NOT MINE. 


ACCOUNTS XXXX XXXX US BANK XXXX XXXX US BANK
Product: Mortgage

Applied jointly in late XX/XX/XXXX for mortgage refinance with our bank of 30 years, Citizens Bank. Seemingly intentional delay of processing for months, then when final employment verification was finally sent for one of us in XXXX, employment conditions had changed due to XXXX developed. Loan was denied. We are well-qualified for the loan. Asking for XXXX on a XXXX home that is almost paid off ( XXXX cash out & some payoffs included ) One of us developed serious XXXX issue ( XXXX XXXX ) that led to going on XXXX XXXX while waiting for this refi to get processed. Loan officer and local branch manager were asked to to consider upcoming XXXX  XXXX payments as income but ignored and loan denied. Loan was reprocessed at significantly higher rate and fees with only other spouse-we were told it was only option. That loan hasn't closed yet. 
XX/XX/XXXX we were accused by phone of misrepresenting employment verification in XXXX ; the transition to XXXX hadn't even occurred yet then and we thought we'd be continuing in regular position with accommodations at that time. That ended up not happening, but didn't know that then. 
We've shared concerns with local and regional managers at Citizens, as well as the CEO. I was told XXXX weeks ago by CEO 's office that they were investigating, but no information has been shared since. Local and regional management basically ignored the issue and pushed higher cost loan forward.
Product: Credit card or prepaid card

for over 6 months now I have been trying to pay my american express card. I have been making payments with auto payment for many years now. I have cancelled the account and have a payment plan. I have been trying to make overpayment on this card but everytime the payment is not allocated as overpayment to reduce the credit card interest or principal. the overpayment is than deduted fro my monthly payment making impossible to make a overpaymet on the account. 
After dcontacting american express on the matter they told me I will have to make overpayimnets over the phine and the awating time is about 1 1/2 hours. I have been told before that I would be able to make online payments after the due date or make ovrpayments that is still deductiing out of my minimum balance. 

Problem- Unable to make overpayment before the due date or after without american express forcing me to maintain the same minimum payment on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called the bankruptcy court in Maryland. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times. 

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( 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.
Product: Credit reporting or other personal consumer reports

I received a notice that my credit was ran on XX/XX/year> for a FEB/Destiny Card. I didn't make the request nor am i familiar with this company. I called the company and they expressed to me that a account was never opened with them. However i didn't make the attempt to establish credit with them. It dropped my score by XXXX points.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I notice that there are inaccurate accounts furnishing on my credit report. It is canceled debt and the company have file taxes but also reporting on my credit report as debt. Per the IRS the company was supposed to send me a 1099c form so I can file as income. This is a violation of 15 USC 1681eb which speaks on maximum accuracy of a consumer report. Please delete these following accounts from my report. 



XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX  {$570.00}, XXXX XXXX {$330.00}, XXXX XXXX {$190.00}, XXXX XXXX {$11000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00}, XXXX {$40.00}, XXXX XXXX  {$790.00}.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Debt collection

Back in XXXX XXXX I was involved in a car accident ( I was rear-ended by a men whom provided the wrong personal information ) therefore I was obligated to file a claim against my insurance company. My company paid the car off to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX. XXXX the amount that was paid in full {$8800.00} Check # XXXX XXXX Insurance company kept the wrecked car ). Unfortunately I did n't have gap insurance therefore the was a balance little over $ XXXX at that time they were demanding the payment in full which I did n't have. I was not familiar with the process and requested payment arrangements however I never heard back from them. Now they are misreporting to the credit bureau showing as a repo with a higher balance $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD Inquiries XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Money transfer, virtual currency, or money service

I am submitting this complaint against Cash XXXX ( Block , Inc. ) due to their failure to provide adequate protection against fraudulent activity and their unfair handling of disputes. Cash App neglected to implement proper safeguards to protect my account from unauthorized transactions, leaving it vulnerable to fraud. when I reported the issue the company failed to respond in a timely or effetely manner worsening the situation. 

Moreover, Cash App 's dispute resolution process did not meet the standards required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their practices were misleading and unfair, as they failed to comply with the mandated procedures for resolving account errors. 

As a result of these failures, I have experienced unnecessary financial loss and stress. I am seeking appropriate action to address the damages caused by these violations and to ensure that cash app complies with applicable consumer laws in the future.
Product: Debt collection

Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named XXXX XXXX had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who XXXX is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our XXXX XXXX, thirteen years later, I am now being harassed by Machol & Johannes, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, Machol & Johannes is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.
Product: Checking or savings account

I reported BOA false charge to my checking account by XXXX in three different transactions. They gave credits initially in XX/XX/2018. 

I received the letter now, stating they will remove {$280.00} from my account. 

I called back XXXX, request not to remove {$280.00} from my account. 

They refused my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a problem with equifax since  XXXX  of  2017 .   XXXX   XXXX   has submitted multiple requests to have some hard inquiries removed off of my report. I have previously submitted letters to cfpb that show where the   XXXX   XXXX   submitted the request. They submitted the request again on  XXXX   XXXX ,  2017  and spoke with equifax business at  XXXX  option  XXXX . They were given case number  XXXX  as proof that the inquiry 's were removed but they 're still on my personal credit report. Equifax is a horrible company who gives consumers the run around. I was told to send a copy of the letter from   XXXX   XXXX   and they would remove the inquiry in which they have not done.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. The account XXXX XXXX  XXXX Reported to XXXX with an account number of XXXX and also reporting to XXXX as a charge off with payment history and through Transunion with no two year payment history reported at all. These accounts are incomplet and inaccurate.

I mailed out a letter to each of the previously mentioned companies on XX/XX/year>. Its been over 35 days with no response and according to 15USC 1681 i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a sonsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through the reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jpmcb - Card Service failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Product: Student loan

I have attempted twice to repay my loan with Edfinancial in full. This is documented in the payment history on my account. On both occasions, my loan showed a {$0.00} balance after I submitted my payment, but the payment was later reversed with no explanation. 

While this has been occurring, interest has continued to accrue on my account and my payments have gotten larger. 

I have looked online and found examples of others documenting similar experiences with this company. Here is a link to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, CA XXXX XXXX NOW XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance XXXX {$1400.00} Bankruptcy chapter XXXX XXXX Filed on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX BANK XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX Balance : - Bankruptcy XXXX Dismissed XXXX XXXX Filed on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX & A, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXX, A XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, CA XXXX XXXX  Inquired on XX/XX/XXXX XXXX FCU Inquired on XXXX XXXX, XXXX
Product: Credit reporting

I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( Equifax, XXXX, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX account opened XX/XX/2019
Product: Checking or savings account

the company is CHIME. i had a deposit of XXXX $ and when i went to check the next day to see if it had gone through to my chime account it was there but someone got into my account and took it and charged 2 cash advance on my account which was a total of XXXX $ to a XXXX XXXX. i called the chime right away to file a dispute and they told me will take 20 days to get results, well i told them when the transaction happed and what time and what app took it. well they said they will investiaget. they did a few days later they email me and said they found no error, i argued with them and said someone took my money from a XXXX XXXX it was a XXXX XXXX i dont use XXXX XXXX  and i would never take my money through a money app, needless to say they saw no error. that money was part of my rent and they wouldnt even give it back. to this day they will not close my account because they say i owe them the cash advance they took, i dont owe that money. i want my XXXX $ deposit back. they are crooks. they are also owners of XXXX XXXX thats how they steal your money. so i dont know what to do now. they wont give me my money back. i ahve also went to the XXXX. and they told me to reach out to you also. hopefully ill get my money back.
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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom t may concern, XXXX XXXX XXXX Account # XXXX, has not yet deleted this account from my credit report as promised. Please see attachment. 

Please investigate and delete. Thanks in advance! 

XXXX XXXX XXXX XXXX
Product: Debt collection

I have faxed to XXXX information from my bank account indicating that the debt was settled and to the bank saying that the debt was still owed ; despite the fact that my banking information was received. For the last 4 years it has been taken off, then put back on hurting my credit score. I have finally sent to the reporting company NCA my proof. They are doing something about it, but it has already for years now, ruined my credit score.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XX/XX/2023 Office file number : XXXX Dear XXXX XXXX : We have reviewed the email that you forwarded to us. It is a scam that we see very frequently. The most important thing for you to do is NOT to reply or engage with them in any way. In fact, you can mark the email message as junk and block the sender.
Product: Credit reporting or other personal consumer reports

I see items on my credit report that I dont recognize, and I suspect my identity may have been stolen since I didnt authorize these accounts. Ive raised this issue before and now urgently request their removal from my report. These accounts dont reflect my true credit history and are causing me significant stress. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are major obstacles in achieving my financial goals, like buying a house and supporting my family. I hope we can address this issue promptly.
Product: Debt collection

I have not received any valid proof where I owed NCB MANAGEMENT SERVICES INC .

All I received was a garnishment letter from a company that says I owe them. Where they are garnishing wages. I would like to receive Validation letter on NCB MANAGEMENT SERVICES letterhead saying I owe them a debt for what reason, when I defaulted with NCB MANAGEMENT SERVICES INC. And where is the documentation I signed to that I agree to the amount saying I owe NCB MANAGEMENT SERVICES INC .
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is fraudulent and must be blocked from my report ; XXXX XXXX XXXX, This was blocked by Experian when reported but they added it back recently with no reason. 

attached is the Theft report from the FTC that was reported in XXXX.
Product: Credit reporting or other personal consumer reports

I filed over a dozen disputes over the past XXXX years and none were answered and still remain on my credit report.