23daVinci/CFPB_Complaints huggingface dataset:
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 a confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT XXXX : XXXX, XXXX ACCT # XXXX, XXXX ACCT # : XXXX, XXXX ACCT # : 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am reporting this. I have been a victim of identity theft. Someone has stolen and fraudulently opened accounts under my name without my permission. The following accounts are a result of identity theft, and opened with a fraudulent application. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX DEPT OF EDXXXX Opened XX/XX/XXXX {$340000.00} USDOE/XXXX Opened XX/XX/XXXX {$210000.00}. 
These accounts where not opened by me nor have I authorized anybody to one these accounts for me. I had a suspended license during the time this account with XXXX. I also could've never opened a student loan because I dropped out of high school. Please Block these accounts ASAP. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus and the company has as well. The company, XXXX has stated that per our agreement that the account were paid and have agreed to deleted those accounts from credit report
Product: Debt collection

I received my credit report in XXXX of XXXX and noticed this collection agency called NATLCRSYS were trying to collect a debt from me for an unknown source called XXXX XXXX. I had no knowledge of this account that stated it was a collection of $ 1,000+. I attempted to dispute this debt in form of receiving VERIFICATION from this agency showing my signature on a contract where I agreed to owe this amount at any point in time. They have constantly updated this account on my credit report and closing the dispute without ever sending me verification of this account and the proof of how it is my debt. This has been going on since XXXX of XXXX. I would like to have this account deleted and removed from my account because it is not my debt to collect.
Product: Payday loan, title loan, personal loan, or advance loan

My identity has been used and accounts have been taken out under my information and is on my credit report.
Product: Debt collection

I tried to contact this debt collector and asked them to provide more proof showing that I am responsible for paying the debt in question, and they were unable to provide any valid proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Activity : 60 days past due The continue to report the wrong balance on my report. They also continue to report it as if I have not made payment. It continues to increase in date. 

This information below is the actual amount owed on this account. 
Recent Account Activity Date Type Details Status XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not lived in the XXXX area for over 3 years and the accounts on my fill are from 2020, XXXX. I am just now moving back to the XXXX OHIO area to my old address to discover I have been compromised. This is the second or third time I have filed a complaint as well a filling an FTC REPORT # XXXX and XXXX POLICE REPORT. I am a victim of fraud and account take over for several business and credit accounts! I found an address that is on my file the was also listed as being on the National FraudDatabase : XXXX XXXX XXXX XXXX OH XXXX. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX, XXXX, OH XXXX. MY FULL NAME IS XXXX XXXX XXXX. PLEASE DELETE/REMOVE THE FOLLOWING ACCOUNTS : : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 XXXXXXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE REMOVE DELETE THE FOLLOWING PHONE 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

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for my account with XXXX. These late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this account.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, which provides for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Acts requirements. 

Summary of the XXXX account errors Incorrect Late Payments : All bureaus report a 30-day late payment, despite on-time autopay setup.

Inconsistent Account Status : Account is marked " Paid '' but shows late payments, which is contradictory.

Varying Reporting Dates : Each bureau lists a different " Last Reported '' date. 
Credit Limit Discrepancy : XXXX and XXXX report a {$250.00} limit, while Equifax inaccurately shows {$0.00}. 
These errors violate FCRA standards, and corrections are needed for accurate reporting. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} ; ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Twice in the 6 months ( XXXX and XXXX ) Bank of America has taken too long to process a mailed payment for credit card. The payment was for the balance in full and mailed 5 business days in advance as recommmended. In both cases, I attempted to pay online and over the phone after B of A claimed the payment was late. After receiving my payment, Bank of America then processed my manual check IN ADDITION to the electronic payment. Also, as a reference point, I mailed another credit card payment to a different company on the same dates with similar due dates and these payments were processed in under 5 business days. 

I believe that Bank of America and delaying processing of mailed payments to collect late fees AND to drive customers to electronic payments. I will pay off this card and cancel it but I feel that they should not be able to get away with this behavior.
Product: Credit reporting or other personal consumer reports

RQUESTED DOCUMENTATION SHOWING PROOF THAT THE XXXX  ACCOUNTS BELONG TO ME. I WAS NEVER PROVIDED THE NECCESSARY INFORMATION PROVING THESE ACCOUNTS BELONG TO ME. EVEN AFTER BEING NOTIFIED THEY CONTINUE TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFSA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I speak appropriate redress for these violations.
Product: Debt collection

portfolio recovery has repeatedly claimed I owe a debt of XXXX with no proof. I have written and asked for any legal proof and they constantly deny me a response. 



They have hounded me for many years with collection letters.
Product: Credit card or prepaid card

I want to use XXXX. It blocks external applicants.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> account with XXXXXXXX XXXX XXXX was opened without my permission and or consent. This account was opened fraudulently with my personal information. They opened the account and then switched the shipping information to receive the merchandise. I was contacted by XXXX customer support ( the store ) asking if this address change was done by me, I stated Never opened the account and never ordered any products. I called XXXXXXXX XXXX immediately and reported the fraud. But they failed to close the account and remove account from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with American Credit Acceptance was originally showing paid as agreed after a payment extension was granted to me and an additional payment was received. On XX/XX/11 my mortgage company pulled my credit report which showed paid as agreed. I am in the process of trying to buy a home which I was supposed to close on this month and now may not be able to. American Credit acceptance is now reporting to the bureaus that I was 90 days late for the months of XXXX and XXXX and it has removed my payment for XXXX that had been reporting current and is now not. 
Not only is it reporting inaccurately and is representing false information since I have NEVER been 90 days late, it is also showing I am passed due XXXX which is also a lie as that payment has been made and was never late. 
I am at risk of losing my mortgage approval and feel this is an injustice to me as the way they are reporting and their reporting practices are severely unfair.
Product: Student loan

On XX/XX/XXXX, I ran my three credit reports. There was a closed student loan on there for the amount of {$1500.00} from Oklahoma Student Loan Authority. There was also an address listed on the report for a Texas address. Both of these items are incorrect as I have never taken out a student loan. I called OK Student Loan Authority on XX/XX/XXXX to see what I needed to do to take care of this. They forwarded me their Loan Discharge Application : Forgery form to complete. I filled out this form and returned it same day along with a copy of my Drivers License, social security card, mortgage statement and utility bill. I continued to follow up with this company, but they would never transfer me to the correct department or provide me any answers on what the status was. It is now more than a month later and we are no closer to this being resolved. It is important to note that I currently, and at the time the loan was opened had an extended credit freeze on my account due to past identity theft. This loan should never been able to be opened without contacting me personally in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra inaccurate information ftc,,fra violaiton
Product: Mortgage

I went to pay my house payment last month and found that Mr Cooper/ Nationstar raised my house payment over {$600.00} per month. Loan # XXXX I immediately call Mr cooper to find out what was going on. I was told that my taxes went up and there was not enough money in the escrow account to pay the taxes. 
I knew this was not true as I just filed my taxes and my taxes had only gone up by around {$160.00} per year total. 
I told them that and they argued with me and declined to get me to someone that I could talk to about this. 
After looking into this more, what I found is that when Mr cooper put my loan together they did not include one of the tax lots that my property is on. 
I know that they knew about the extra tax lot because they were trying to get a better loan to value on the property by using the lot in the appraisal but couldn't. 
They also had several years of my tax records before they would process the loan. 
Here is what I know happened. I only was getting the load to pay off some credit card dept that I occurred to remodel the property. I told the loan  officer XXXX XXXX that I did not want my payments to be higher than what I was paying at the time. 
She assured me that they would only be a few dollars more than what I was paying at the time. 
Also after they told me the loan was approved and there would be enough money to pay off what I wanted to they came back to me and said that they had to raise the interest rate so that the loan would qualify. 
That did not set well with me but I did it because the rate although higher than I had been quoted by other companies was not much higher and I did not want to go through the whole process again with another company. 
Bottom line is that I just can not afford to pay an extra {$600.00} plus a month on my house payment. This because Mr Cooper did not do there job when putting the loan together. 
I hope that you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I signed a loan modification agreement with XXXX  XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to XXXX. XXXX did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and XXXX reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement. 

I have provided this documentation to XXXX ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

The following inquiries are showing up on my credit profile. These are inquiries that were not authorized by me and that I have no accounts with. These need to be deleted from my credit profile right away. 

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
Product: Money transfer, virtual currency, or money service

I have been struggling to get in contact with Crypto.com. I have 3 emails and I dont know which one I used. I gave them my verification info. I am still unable to get into my acct. I attempted to go to the crypto chat from the internet. I was unable to. Then I kept trying to go chat from the crypto.com web site. So I am completely locked out of my acct plz. Help. I need a human
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

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

I never received any written response to any of my disputes cases to my address of XXXX XXXX XXXX XXXX XXXX, FL XXXX ==== You guys are not doing what you are suppose to do.=== CFPB case # XXXX I do not want to use your dispute tool, your tools are powerless and very limited in resolving.
Product: Mortgage

My property was sold on XXXXXXXX2015 after 120 days sending documents to SPS servicer train to qualify for a lone modification., at the same time the bank, SPS servicer continue with the Foreclosure presiding 's, ( Dual Tracking ) at the foreclosure the SPS did not claim as Defendant my wife in the complaint and did not server any liss pendis documents to her, violation of state constitutional law .Art X, & XXXX, Fla.Const ; XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ). the y have violated her rights to due proses and have violate her XXXX amendment constitutional right., I have file in civil court a Objection to sale, and to the bank SPS servicer a Appeal under the settlement agreement
Product: Debt collection

I am writing to file a formal complaint regarding the unfair and abusive debt collection tactics I have experienced from your company. The behavior I have encountered violates the Fair Debt Collection Practices Act ( FDCPA ) and is unacceptable. The debt collector for repeatedly called and used abusive language to be specific I encountered many incidents of abusive behavior. All of the harassing phone calls, threats, false statements, or other violations of the FDCPA. According to the FDCPA Im entitled to XXXX for each violation