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

When I reviewed my credit report, I discovered that the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX {$400000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : CFPB Complaint for Identity Theft and Fraud This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX XXXX Experian, and XXXX block certain information from my consumer credit report, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). This information is the result of identity theft and fraud and must be addressed within 4 business days of receipt of this complaint. 

The fraudulent information includes : A personal credit card account opened with XXXX XXXX XXXX in XX/XX/XXXX ( Account Number : XXXX ) with a balance of {$2500.00}. 
A credit card account opened with XXXX XXXX on XX/XX/XXXX ( Account XXXX : XXXX ) with a balance of {$6700.00}. 
These accounts have led to multiple fraudulent hard inquiries and late payments, as well as potential collections reported on my consumer FICO credit report. Additionally, the address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is also reported fraudulently. 

I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report, which clearly shows these fraudulent items. I do not recognize any of these accounts, collections, or hard inquiries, as they were not initiated by me. All items referenced are the result of identity theft and fraud. For further validation, I have included a copy of FTC Identity Theft Criminal Complaint # XXXX from the U.S. Federal Trade Commission. 

Demand for Relief : In light of the above, I respectfully request the following actions : Block Fraudulent Accounts : I request that all accounts, collections, and hard inquiries identified in this complaint be blocked from my consumer credit report within XXXX business days of receipt. 
Confirmation of Actions : Please send all written confirmation regarding the actions taken in response to this complaint to my email : XXXX. 
Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX  XXXX Balance : {$1400.00}
Product: Debt collection

XXXX XXXX 2015 Amount says XXXX This amount has been paid. Now a third party is trying to collect the same amount.
Product: Student loan

Hello, I have paid off my loan with XXXX, but currently, have a negative balance on my loan. My balance shows as - {$44.00}, which would mean that I should receive a refund in that amount. Upon noticing this at the end of XXXX, I used the internal email mechanism to contact my loan provider. I received an automated response, but have not, as of yet, been given a response to my inquiry, nor a refund in that amount. I am attaching a screenshot of my balance, as well as the confirmation of my email and the automated response received in return. <P/>Thank you. <P/>Regards, XXXX XXXX
Product: Debt collection

The debt collection agency that my medical debt was sold to is trying to collect {$1000.00} OVER the actual owed amount, with no itemized statement explaining WHY it is they're charging me that much over the actual balance. In Colorado the company can only inflate the debt if I agreed to it and signed a contract, which I did no such thing. I understand it is my responsibility to pay the original balance, but grossly inflating the amount owed is disgusting and should be illegal.
Product: Credit card

Chase Freedom Credit Card Special Offer Received in the Mail Regarding Balance transfer on XX/XX/2016, for {$14000.00} at XXXX percent interest, XXXX percent transfer fee which totaled to {$290.00}. 

I recently received a special offer in the mail for Balance transfer with the above terms. I do not have a problem with the disclosed information or the above terms. 
What I have a problem with, is the monthly minimum payment rate of XXXX percent of the monthly open balance. This minimum monthly payment of XXXX percent of the monthly open balance was NOT disclosed, which I find to be a deceptive practice. Presently, I am being charged over {$700.00} a month for the minimum payment. In my opinion, this is excessive, was not disclosed in the special offer, and when I checked the Chase Credit Card web site, I was unable to find this inflated minimum payment rate. 

My wife, XXXXXXXXXXXXXXXXx, with XXXXXXXXXXXXXXXXXt card ending in XXXX had a similar offer, that monthly payment rate is XXXX monthly of the open balance.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with 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
Product: Debt collection

Following my initial dispute sent on XX/XX/2024, to Southwest Recovery Services concerning two fraudulent accounts ( SWRSXXXX and SWRSXXXX ) listed on my credit report, I have yet to see any resolution or acknowledgment of my identity theft claim. Despite providing a comprehensive identity theft affidavit from the Consumer Financial Protection Bureau, their attempts to collect on these accounts persist, in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This continued action undermines the legal processes established to protect consumers and disregards the substantial evidence I have provided to support my claim of identity theft. 
I ask that this company be investigated for violations of Federal laws that are in place to protect consumers from companies who ignore victims of identity theft. 

It appears that this company is racially discriminating against me and not honoring my due process regarding my identify theft claim.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute inaccurate information appearing on my credit report for accounts with XXXX XXXX XXXX and XXXX XXXX. For the past two years, all three major credit bureaus ( XXXX, Experian, and XXXX ) have been reporting incorrect information about these accounts. 

I have contacted both XXXX XXXX XXXX and XXXX XXXX  on numerous occasions to address these discrepancies. Unfortunately, these attempts to resolve the issue have been unsuccessful. The reported information includes inconsistent late payments and account statuses that do not match reality. 

I request your assistance in having these inaccurate entries removed from my credit report as soon as possible. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

complaint : ( 1 ) refuse to close my account despite multiple requests to close the account in order to charge more fees ( 2 ) refuse to address customer 's concerns under the disguise that they could not " verify '' the customer due to use of unreasonable questionaire.

On XX/XX/XXXX afternoon, multiple " phone calls '' and " internet chats '' were made to inform you that IRS had fraudulently tried to cash a check of {$28000.00} after I had paid IRS the same amount online. You refused to listen to my concerns. Instead, you illegally charged me {$36.00} " NSF fee ''. Over the phone, your first " bank teller '' asked me some ID questions and then proceeded to ask me detail about my account activities. I told her that I do not remember my account activities and I did not have access to a computer to know the account activity. That bank teller then told me I " fail '' the identification test and I must " email '' her my driver license before she can talk to me again. I told her I can not send her my confidential driver license information using email because the risks of identity theft. I told her that she can verify my identity using other questions. I then asked to speak to a supervisor. After more than 1 hour of waiting, the supervisor told me the same thing. Unless I emailed the bank teller my driver license or come to a local branch to show my ID, I can not access my account. I told her I live in Texas and can not come in to a branch. I told her I had something very urgent I need her help and she can ask me other ID questions. The supervisor told me I either " comply '' with her demand or she can not help. I asked to speak to her supervisor and she said the second-line supervisor is not available but will call me. I then called several more times and were told my account is " locked '' until I sent the bank teller my driver license using email. But I was able to login to my account and attempted to " chat ''. The " chat '' person told me I have to " call ''. I told the " chat '' person they " lock '' my account. She/he then told me I had to " call '' again or come into the branch. After several " chats '' with different people, it went nowhere. The next day, no " supervisor '' ever called me. 

To protect my money, I ACH my remaining balance out. On XX/XX/XXXX, I sent you a message using your electronic mail system when I login ( see attached ). I demand you stop all transactions and close my account. The next day, you replied and said you can not help but I can do it by " chat '' " call '' or " at a branch ''. I had tried all above methods except walk-in and everyone had refused to address my problems. Instead, You continued to pile up more " fees '' despite knowing my demand to close my account and stop harassing me. 

On XX/XX/XXXX, I made my final request to demand you close my account and stop charging me illegal fees ( see attached ). Again, this fell on deaf ears. On XX/XX/XXXX, I received a " demand '' letter saying I " overdrawn '' my account and owed you {$100.00}. Again, the account is closed and I don't owe you any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have showed and sent proof of hippa law violations and fraudulent accounts and closed accounts they still have not removed the accounts!
Product: Mortgage

I filed a complaint with the necessary appended documents against Ditech on XX/XX/XXXX with CFPB and it is case number XXXX. On XX/XX/XXXX Dietech responded to the complaint in an unsatisfactory fashion. I expect to know when I will get clear title to my property, a detailed accounting of my escrow account and evidence that my credit history is clear of anything related to Ditech. I paid my mortgage off XX/XX/XXXX and this is still open. The contact telephone number given by Ditech allows only for a recorded message to be left. Once again they are avoiding any contact with clients.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified two reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name : XX/XX/XXXXXXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time. 

Thank you for your prompt attention to this matter.
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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act Account number:XXXX has violated my rights 15usc 1681 section 602 a states I have rights to privacy. 604 a 15usc 1681 section 2 states consumer agencies cant publish account without consent Experience and XXXX
Product: Checking or savings account

The bank close my account because they say I was laundry money but that was not true bacause my atm was robbed
Product: Debt collection

I contacted Credit Management LP in regards to a dept for XXXX. I spoke to them and agreed to pay if off in full in two installments one of XXXX on XX/XX/2020 and the other on XX/XX/XXXX for XXXX They drafted XXXX on XX/XX/XXXX the on the XX/XX/2020 they drafted {$370.00} and today on XX/XX/2020 another {$180.00} they have took out double the amount that was owed. 

The company is called Credit management LP XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX the reference Number # XXXX XXXX
Product: Debt collection

Lockhart , Morris & Montgomery appeared on my credit report XX/XX/2023. Multiple attempts to contact this company and I only receive a busy signal. I have never heard of this company, I never received any notices regarding a debt with this company, nor have I received any notices of my rights pertaining this debt with this company. 
The account listed on my credit report has no account number and is for {$990.00}. There is very little detail and many discrepancies with reporting across all three bureaus from this company. Ive never signed for this medical collection company and I would never allow another person to see my personal medical information. I also had Medicaid Insurance that covers any medical expense that I may have. Not to mention the fact that I have not received any bills, notices, letters or anything from this company. I have the right to demand to see a signed contract between Lockhart , Morris & Montgomery and myself. If they can not produce a signed contract from me, the consumer, then they must remove their trade line from my credit report per the Fair Credit Act. An alleged bill or alleged e-signature from a company other than Lockhart , Morris & Montgomery is not sufficient as a validation of debt.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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: Student loan

I hold a student loan that was originally serviced through Sallie May, this loan however was transferred to Navient 2014. When this loan was taken over by Navient I was denied public student loan forgiveness which I was insured through the Sallie May loan. Formerly I was on an income driven repayment plan, however was not notified of my yearly obligation to re-certify my income. Without notice I was removed from the income driven repayment plan, I was further denied an income driven repayment plan and my student loan payments are unmanageable as the payment has increased to more than is affordable.
Product: Debt collection

XXXX XXXX XXXX states I owe two medical bills which are showing on my Transunion credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the two collections are still on my credit report after disputing three times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information. Due to the inconsistencies and defamation I want this removed off my report immediately
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 1
5 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.