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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit with all XXXX credit bureaus, and I saw there was a collection account from XXXX XXXX opened on XX/XX/XXXX. I immediately disputed the collection account along with an address that the credit bureau told me was linked to the collection account of XXXX XXXX. To wait for the investigation to provide results. I Asked XXXX to explain to me what proof did XXXX have to show that that collection account was mine and they told me they couldnt provide that information. Meanwhile I called XXXX directly and also disputed the fraudulent account and they instructed me to file a police report and submit proof of address at the time of the incident and to upload to the fraud department. XXXX also provided me with the Debt collection agency that took over the account name : XXXX XXXX XXXX ph : XXXX in which I have called several times and no answers the phone. I did all of that on XXXX  morning, and by XXXX evening and XXXX  morning, I received XXXX emails from XXXX stating they had completed their investigation and found that I am not responsible for those charges and account and to send this letter to the credit reporting agencies. When I reached out to the credit reporting agencies they stated they do not use email letters as proof. Later in the evening I did receive an email from Transunion and XXXX stating they removed the address but that the XXXX account is mine. And did not want to accept the letter I received from XXXX emailed. I called XXXX to request the letter faxed and or mailed to my home they stated they do not mail any letters, only email.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Number XXXX Please remove this information on my credit report. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Number XXXX Please remove this information on my credit report. 

3.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number # # # # # XXXX Please remove this inaccurate information on my credit report. 

4. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account Number # # # # # XXXX Please remove this inaccurate information on my credit report 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Number XXXX Please remove this inaccurate information on my credit report In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Obtained the loan in XXXX of 2023 and continuously made regular payments with the balance almost being paid off. They changed the interest rates and charged higher " service fees '', making the loan impossible to pay off at a 299 % interest rate with a {$150.00} service fee that they do not put it on your statements. When you try to communicate with them about the changes, they tell you they can not do anything to change and or fix the balance do. 
They are a predatory lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX XXXX, XXXX XXXX   XXXX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages 6, 7, and 8 of the attached credit report. ) This account has been paid in full since XX/XX/2019 and should not be reporting on my credit report. This account has been closed. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

XXXX, have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's ' inaction violates federal law and my rights as a consumer. 

Additionally, there are many accounts across the XXXX credit bureaus that report inaccurate dates/opening and payments of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I currently work at a XXXX XXXX than the one I bank at. I have decided to change everything over to this new account and change everything out. I thought I had everything coming out of my new account, but three of the people pulled it out of the old account. I did n't want to close out the old account incase something were to come through I wanted to make sure things were taken care of. Only XX/17 a withdrawl of XXXX came out from the XXXX XXXX that was not suppose to. I figured I would take care of that and the overdraft asap. When I checked the account I was noticed a few fees on the account. When I called the XXXX, OH branch of PNC I was told that they charge XXXX dollars for one day, XXXX for two and XXXX for 3 up to 14 days. He informed me that I was almost at the 14 days when this took place. This has resulted in XXXX dollars worth of fees. I was told that they would see when they could do so that I could close out the account, but that I would just have to check the account. I have since has 2 more things come through, both of which were suppose to come out of my new account that has given me yet another overdraft fee. I am okay to pay the things that have come out and take care of what I need to, but it is my understanding that it is against CFPB regulations to charge an already overdrawn customer fees per day for being overdrawn. I would relly like to get this taken care of.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that | have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information 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

Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report.
Product: Checking or savings account

Opened a new checking account with Chase on XX/XX/XXXX I had paid off my overdraft fee and deposited around {$1000.00} only for my account to close down and now I am unable to get my money back unless the check is verified. I have given Chase all the possible ways to verify the check with the company but they did not accept it. It has now been a little over 3 months and still has not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a factual inaccuracy on my credit report showing a balance of {$12000.00} but this debt has already been sold so it should be presented as a zero balance since the debt has been sold and off their income sheet. 

Furthermore, they are presenting false Account Number as # XXXX this direct violation of Section 609 ( a ) ( 1 ) : Information to be disclosed : Advisory Opinion to Darcy ( 06-30-00 ) stating : " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. '' They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.
Product: Debt collection

We recently moved out of an apartment on XX/XX/2023, prior to that we had submitted all final payments and were notified by the apartments we were all set and nothing else was owed. I did not give the apartment our current address and had the mail forwarded elsewhere, so I am uncertain how my current address was obtained. On XX/XX/2023 I received a letter from I.Q. Data International , Inc. is trying to collect a debt I owe of {$550.00} to the apartment. I sent a letter back on XX/XX/2023 requesting information from the debt collector on what this debt is, the itemized receipt, how and why this was sent, and how come the other people residing in the apartment did not receive this letter as well. I have not heard back from them until XX/XX/2023 when they sent another letter with interest added of {$2.00} to the original debt. I arrived at the apartments today, XX/XX/2023, and was given a ledger of our account prior to moving out that reflects a balance of {$0.00} owed as of XX/XX/2023. I have not heard back from these so-called debt collectors and the {$550.00} is nowhere listed in the apartments system that I saw. I can attach all necessary documentation showing I do not owe this amount.
Product: Credit reporting

I mailed my first letter to Experian XXXX XXXX, 2015 and about 20 days later I received a letter from them stating that : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " I immediately sent them a letter explaining that it was not suspicious and how offended I was by the letter and recieved no response. I called them and gave them a list of items to dispute with explainations. They refused to use my explainations ( verifcation and validation ) stating that they were not valid reasons, they would only allow me to say not mine, wrong balance, wrong account number ... After waiting 45 days I still had no response and once again I called them. They said they had finished the investigation and that I should have received the results but I did not and that they would mail it again. They did and I sent another letter mid XXXX asking them to investigate once again and they refused stating that : We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " Experian is violating my rights and the rights of others to dispute and correct errors on our credit reports. Is there anything that can be done to put a stop to there ridiculous tatics? 

Please help! I can be reached @ XXXX
Product: Mortgage

I have a mortgage loan serviced by Nationstar Mortgage # XXXX. My XX/XX/XXXX Principal payment they totally screwed up. I submitted a handwritten and signed instructions to apply to principal only. They disregarded and applied to the XX/XX/XXXX payment of interest. I obtained a payoff from Nationastar and sent good funds in the form of a cashiers check drawn on XXXX XXXX XXXX in XX/XX/XXXX and mailed it to their payoff address on the demand with extra days interest. On XXXX XXXX, Nationstar cashed my cashier check. They started contacting me about being delinquent on my loan. After talking to them I provided from my credit union a copy of the endorsed and cashed check ... .endorsed by Nationstar Mortgage. They submitted the dispute and on XXXX XXXX they send a letter XXXX saying theyXXXX made no error and that they were unable to locate my XXXX last check. I called on XX/XX/XXXX and talked to one of their service people who said he could clearly see they endorsed the check and cashed it. I am getting calls from Nationstar daily for being delinquent on the account. Obviously now that it is almost two months later and still unresolved from when they cashed my check they will erroneously report my credit profile as being 30 and now 60 days late. This is ridiculous. Within the past couple days I received a notice of a certified letter. My wife drove 30 minutes to the post office and back XXXX cities away to find a certified letter saying I am late on this account. I have had upwards of XXXX mortgage loans and this is by far the most incompetent servicing I have seen in my life. I called today and it is still not resolved. There is no process to expedite resolution which is a major flaw in their system. You should not go to the back of the resolution line and start your 7-30 day process over again. They should be able to email a manager and get it done now. Instead evidently I will continue to be harassed day and night and perhaps by mail on my so called delinquent account that I paid off just short of two months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown account on my credit report which is reflecting me as an authorized user. When contacting the bank, they are stating its not an existing account. Ultimately, I have been trying to be removed as authorizer user and they will not remove this from your credit profile.
Product: Credit card or prepaid card

I opened my account XX/XX/XXXX with Synchrony Bank care credit, they emailed me while XXXX that my account was scheduled to be closed due to inactivity. However, I reached out to their service agent via text and described the issue explaining I was XXXX overseas XX/XX/XXXX and asked to please not close the account. They assured me they were aware and my account would remain in good standing. Then come to find out XX/XX/XXXX my account has been closed and reported to the credit bureaus. I tried reaching out to the company same day, to reopen my account they stated I had to reapply. I am at no fault for this incident and was assured my account would remain in good standing, yet while serving my country, my credit has been negative impacted and I am to apply again for another hard credit pull? Absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX XXXXXXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector Portfolio Recovery and XXXXXXXX XXXX. XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
Product: Credit reporting or other personal consumer reports

I recently checked my report and noticed inaccurate accounts reporting. I did file FTC report and nobody has yet to help me.
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX written requests, the exclusions are still listed on my consumer credit report which is a violation of Federal Law. These accounts were initiated by my social security card XXXX XXXX Bank, XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Finance Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Pursuant to TILA 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card I used to initiate a consumer credit transaction is a credit card, that means anything thats attached to my social security card is Excluded from my consumer report. Equifax is in violation of willful noncompliance for reporting Excluded items on my consumer credit report for over a year. title 15 USC 1682o ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and 15 USC 1681n ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Furthermore, a charge off is consider income. According to the XXXX, nearly any debt you owe that is canceled, forgiven or discharged becomes taxable income to you. 

Equifax is reporting XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation. 
Equifax is reporting XXXX XXXX XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation. 
Equifax is reporting XXXX XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation.
Product: Checking or savings account

I had a checking account with Wells Fargo in 2011 and my money kept going down for no cause reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery reports they have validated the debt yet I have not received validation documentation.