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

Dear Sir/Madam, I am writing to dispute a fraudulent account that has appeared on my Experian, XXXX, and XXXX credit XXXX. I recently discovered this unauthorized account, and I firmly believe that I am a victim of identity theft. I kindly request your assistance in investigating and removing this fraudulent account from my credit reports. 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2023 Outstanding Balance : {$140.00} Reasons for Dispute : 1.Lack of Awareness : I have always maintained a diligent approach to monitoring my financial activities and credit reports. However, due to the sophisticated nature of the fraudulent activity, I was unaware of the existence of this account until recently. This highlights the covert nature of the identity theft, making it difficult for me to detect the fraudulent activity at an earlier stage. 

2.No Record of Transaction : Upon thorough review of my financial records, I have found no evidence of any transactions or agreements with XXXX XXXX XXXX . This further strengthens my belief that this account is fraudulent and has been opened without my knowledge or consent. 

3.Violation of Fair Credit Reporting Act ( FCRA ) : The presence of this fraudulent account on my credit reports violates my rights under the FCRA. As a victim of identity theft, I have the right to accurate and up-to-date credit information. The inclusion of this unauthorized account damages my creditworthiness and may result in adverse consequences for my financial well-being. 

4.Legal Rights and Responsibilities : Under the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit reports. I am also entitled to a fair and timely investigation by the credit reporting agencies. Therefore, I kindly request that you initiate an investigation into this matter and take appropriate actions to rectify the inaccuracies caused by the fraudulent account. 

I kindly request that you promptly investigate this dispute and take the necessary steps to remove the fraudulent account from my Experian, XXXX, and XXXX credit reports. Additionally, I request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been deleted. 

I appreciate your attention to this matter and your assistance in resolving this fraudulent account issue. Please do not hesitate to contact me if you require any further information or documentation. I look forward to a swift resolution to this matter and the restoration of my accurate credit information. 

Thank you for your prompt attention. 

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

Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I notice I have fraudulent account on my report. please remove this account from my report, it is hurting my ability to obtain credit.
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being. I have attached a copy of my identity theft report filed to substantiate my claim. Your prompt attention to this matter is crucial to mitigating the damage caused by this identity theft and restoring my creditworthiness.
Product: Credit reporting or other personal consumer reports

I have tried many times to get this violation of my right to an accurate credit file corrected. As seen in the attachment XXXX XXXX continues to report XXXX charge offs as open on my credit report. These charge offs happened years ago yet show as if they happened last month. XXXX as well as Experian continue to support this violation of my rights. I held these accounts for years in good standing until I was forced to retire. Even then I paid on time for XXXX more years until my saving ran out and I could no longer pay. The irony is my credit has recovered somewhat because I pay on time. I could have used XXXX XXXX again but cant and wont because of the vindictive nature of the company.
Product: Credit reporting or other personal consumer reports

I am attaching my report I am not thrilled about how Experian XXXX and XXXX have attacked me they need to update and fix info that is not accurate on my report Im attaching that info there is accounts on my credit that are over 7 years old that need to come off Im not allowing the bureaus to ruin my score with false info any longer Im also contacting department of justice and XXXX XXXX is a fraudulent account that needs to come off
Product: Mortgage

Hi, my mortgage company CMG Financial isn't paying my property taxes to the XXXX County of Georgia Tax Assessor with the money I pay through my mortgage each month into escrow. The XXXX XXXX Tax Assessor sent me a delinquent property tax bill and advised a tax lien will be applied to my property on XX/XX/2021, if I fail to pay $ XXXX-something in back taxes- taxes which I've paid via my mortgage through escrow. I tried contacting my mortgage company as advised on the back of my mortgage bill by sending an email to XXXX, but I haven't received a reply. 

The thing which is deeply disturbing to me, and which I can't understand to save my life, is the seller, from who I purchased this property on XX/XX/XXXX, XXXX their name is listed as the property owner on the delinquent tax bill I received. I pay taxes through escrow and this property cleared title, so I don't understand why I'm receiving this tax notice. 

Additionally, I can not login to my mortgage payment account at https : //cmgmortgage.loanadministration.com/ Suddenly, my login credentials fail to work and when I go to look up my username, I receive a message that my email address and social security number isn't recognized. When I call to speak with someone, after navigating through about 10 minutes of useless automated information, I receive a message to call back during normal business hours.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reportingact XXXX account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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
Product: Credit reporting, credit repair services, or other personal consumer reports

good morning, please be advised I file a dispute with all three bureaus regards to inaccuracies on my credit report. I have disputed these items 60 days ago and I have not received any information on my credit report. fair Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im sure that some person hacked my profile and get my personal information! DELETE this negative account.
Product: Debt collection

There is a collection agency which was retrieved my personal information without my consent and did not notify about the nature of their grievance. I 've never heard about Central Credit Services and have never conducted any business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Account # XXXX has not been updated since XX/XX/19 as paid and no balance of {$0.00}
Product: Checking or savings account

New account opened XXXX XXXX  Key Bank XXXX XXXX deposit of first payroll check deposited XXXXXX/XX/XXXX via mobile deposit. Bank holiday on XXXXXX/XX/XXXX ; check cleared XX/XX/XXXXXXXX 

Mobile deposit of payroll check on XX/XX/XXXX. Checked balance, and there is a hold on this check until XXXXXXXX 

Two online customer service agents indicated the hold was because it was a new account, but could not explain why the first check did not have a hold and told me that I needed to go to a branch to have it resolved. 

Went to the XXXX branch of Key bank and was told they could not resolve the issue. They indicated the hold was due to it being a new account. They could not answer why the first payroll check was cleared without incident. But, the manager,, would research and get back to me. 

With the return call, back, he continued to tell me that the hold was because it was a new account, but still had no answer for the first check being deposited without incident. We ended the call wherein he indicated he would be doing more " research. '' On the final call, I was told that the reason for the hold was " confidential. '' At this point, I relayed that I would be filing a CFPB complaint and a Key Bank complaint. What is being done with my money should not be confidential. 

A complaint has also been filed with Key Bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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. XXXX XXXX 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: Credit card or prepaid card

I have a complain about Capital one Credit card. they closed my account and make it charge off without any reason. I paid as agreed. but they report my account as charge off. I charge {$2200.00} on XX/XX/XXXX XXXX and I paid off everything with in 30 days. but still they make my account charge off and close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Consumer Credit Report To whom it may concern : Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report I realized my report was inaccurate and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when during your company 's initial investigation that you were going to report this information.

Pursuant 15 usc 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your company 's procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your company 's database.

Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company has assumed this role. You were not given express permission by me, the consumer, or competent court jurisdiction. So not only did you fail in the initial investigation of this information you assumed this role and assumed this information as valid, which is a violation of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out even if this transaction took place. As a result of this my privacy was breached and this violated my privacy.

Pursuant to 15 usc a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether or not it factually took place can be categorized as a transaction that took place between a consumer and the person making the report, which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 
Pursuant to 15 usc 1681 a ( d ) ( 2 ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This in fact is another violation.

Pursuant to 15 usc 1681 a ( b ) Any authorization of specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined 15 usc 1602 ( i ). 
Sincerely, XXXX ; XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates. Portfolio Recovery Associates is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

XXXX XXXX : Account # XXXX ( Balance : {$2600.00} ) XXXX XXXXXXXX : Account # XXXX ( Balance : {$2900.00} ) These XXXX accounts show the same account number and open date of XX/XX/. Not only are they not my accounts. It appears to be reported twice. 

15 U.S. Code 1681 s2 states 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. 

The account information they are showing on XXXX, XXXX, and XXXX all have discrepancies. Both XXXX and XXXX are reporting this as an Open Account. They are all showing different information. I have attached screenshots of the inaccuracies showing on my reports. 

I have already disputed these accounts with them and they have failed to provide me with the original contracts, statements, or proof of ownership of the debt that I requested. 

They are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information.

They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Product: Credit card or prepaid card

I noticed a fraudulent charge on my Direct Express debit card last week on XX/XX/XXXX for {$4.00}. That card is where my Social Security payment is deposited each month. The store where the charge was made is one I knew I hadn't visited in about 6 months & my debit card has NEVER been out of my possession. So I knew it was fraudulent. I called the customer service number on the back of my Direct Express debit card & stayed on hold for way over an hour but finally got through & reported the charge. I asked whether the card should be canceled & was told that since the fraudulent charge was still pendingI needed to wait until it went through. A few days later, after this month 's SS payment was deposited on the XXXX, I got a low balance alert from Direct Express on the same day & discovered that someone had charged {$860.00} to my card in XXXX, AL, which is about 4 hours from where I live. The charge was made at a XXXX XXXX store. I was at the doctor 's office getting tests but within an hour was back home & began calling to report the fraudulent charge. I stayed on hold over & over again, only to get a recording saying they were experiencing heavy call volume & disconnected. Finally after almost two hours of calling & being on hold, I managed to reach customer service & reported the fraud. The rep canceled my card & I paid {$13.00} for expedited shipping of a new one. This was on Tuesday XX/XX/XXXX. I received the card today, Thursday XX/XX/XXXX & stayed on hold almost 90 minutes to get it activated. That agent told me to hold while he transferred me to " Level Two '' and I was on hold for an additional hour and 10 minutes. When I finally reached customer service, that person was incredibly rude, basically accused me of misusing the card myself and told me they would " try '' to get my money back but it would take 45 days. I was so upset I was having XXXX XXXX. I thought I had protection against fraud & that my money would be at least provisionally added back to my card while they investigated. But no. I am appalled that the SSA is using this shady outfit & recommending it to seniors like me who mostly live on a fixed income. This is a disaster for me. I've had some unexpected medical & other expenses recently & have literally no money now to pay my bills this month or even buy food. When I XXXX  the Direct Express card, I found dozens of horror stories identical to mine, of people being on hold for hours & hours, disconnected due to heavy call volume, unable to recover the money fraudulently charged to their debit card ... many people reported never getting their funds back at all. How are they getting away with this? I learned through XXXX that there is or has been a Class Action suit against Direct Express because of these incredible practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

NewRez placed lender based insurance when I had clear proof of insurance. Sent Certificate of Insurance to NewRez several times and was still placed with additional insurance. Requested refund and was told the lender policy was canceled, yet it is still in my escrow and I am being told to pay it or risk additional fees. This is complete FRAUD!
Product: Credit card or prepaid card

I receive my social security funds directly into my DirectExpress account. There have been numerous fraudulent charges throughout my time with DirectExpress. I tried resolving but when they send me the paperwork it never is timely. They have a rule you have 10 business days to file your complaint from the time DirectExpress sends it through USP service. They gave me fax numbers that do not work, e-mail address that doesn't work and no physical address, just a P. O. Box address. I really would like to speak with someone regarding the amount of money I have been denied. The individuals working at DirectExpress are rude, I've been yelled at stating that their fax machines are working and that it's my fault. I just put a complaint on XX/XX/2022, through 2-day mail delivery to their XXXX XXXX to in XXXX XXXX XXXX TX. I had {$230.00} in fraudulent charges from XXXX in my XX/XX/2022 statement. I do not own or have XXXX products. This has happened prior to this many times. Always XXXX charges. All fraud. Email me please. After the charges I have nothing to buy food. Please help me. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
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
Product: Mortgage

I recently purchased a house through a premium mortgage on XX/XX/year>. Premium mortgage appraised my house for more than it was worth. I am now starting with negativity equity, and the house has caused me financial, mental, and physical stress. Unfortunately, my realtor did not advise me properly and convinced me to get a home inspection after the tenants moved out. Once the home inspection was completed, it revealed that the house had multiple issues that the seller did not disclose. The house has structural problems, the electrical was outdated, and there are foundation issues. I spent over XXXX on this house, and there is still more to fix.
Product: Credit reporting or other personal consumer reports

XXXX is incorrectly showing a date of 1st delinquency which affects how long the account stays on my report.