23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

So today I received a notification that a XXXX XXXX credit account, allegedly mine was closed. I then used due diligence and fully investigated my credit report, and noticed an immense number of things on my credit report that didn't belong to me. First and foremost, I was just incarcerated for attempted murder and a number of other offenses, from XX/XX/XXXX to XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With that being said, the XXXX  XXXX account which I previously mentioned was opened in XX/XX/XXXX which indicates that I couldn't have opened this account being as though I was in prison. Furthermore, XXXX, Equifax, and XXXX has engaged in the act of fraud, violatiXXXXg 15 USC Section 1651e et seq, as they have reported fraudulent information concerning me which I did not consent to, approve of, etc. Wherefore, I am asking that the credit bureaus and/or reporting agencies remove the following accounts from my credit report, as well as, any inquiries ( hard or soft ) that are related to these accounts. The accounts are as follows : ( XXXX ) XXXX  XXXX opened on XXXX XXXX, XXXX ( XXXX ) XXXX XXXX BANK opened on XX/XX/XXXX ( XXXX ) XXXX XXXX opened XXXX XXXX, XXXX ( XXXX ) XXXX/XXXX  opened XX/XX/XXXX Please, delete these items from my credit report, as I was locked up while all of these accounts were opened.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX XXXX that personal information had been compromised. I then contacted all three Credit bureaus of the situation. There are a string of delinquent credit cards on my history. I wrote letters asking each of them to review and remove said reports. They have not. These fraudulent charges are creating impossible hurdles for me to overcome. XXXX XXXX XXXX XXXX I dont know how much longer I have to live. I need this situation attended to. XXXX, EQUIFAX and XXXX. I need these accounts removed immediately. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around last year time frame I have a balance of around {$660.00} with an aspire credit card. I called to pay the balance down and they lady over the phone explained to me that I called at the right time because they was offering a 100 % match program and that my account qualified. I asked her is i payed the {$330.00} what would happen to the account, she explained that it would be {$0.00} and it would stay open for use. Literally as soon as I made the payment about 3 days later I noticed the account went to closed status and charged off.. I immediately called them and they have now kept forwarding my calls to this scam like collection company name XXXX XXXX XXXX. These people can not answer one single question about my account nor provide me with any information.. I mean ZERO information. This is illegal and goes totally against the consumer law. My account should have not went to these people in the first place and also on my credit report it still says aspire have the account but that is also incorrect according to aspire. Thanks
Product: Debt collection

Yesterday on XX/XX/XXXX I received a mail from TRANSWORLD SYSTEMS INC. claiming that I have {$31.00} in debt to the creditor of XXXX XXXX XXXX XXXX on XX/XX/2020. There was no debt validation or evidence to which I had used XXXX nor do I have relations with XXXX  corporate. I contacted XXXX about this claim and they told me it is not the way they usually call and handle debt and assured me it is a scam. I did my research and many claimed that one should ignore and others say I should contact cfpb about it to cancel and confirm that this claim and statement are false.
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATE XXXX XXXX
Product: Debt collection

This is a follow up to cfpb complaint XXXX. Ideal Collection Services stated We have already provided the validation which is the name and address of the original creditor and the amount owed in my previous response. We did provide more information then that. We provided the the notice to impose claim, the move out statement, and the signed lease which was signed electronically. Attached, please find a copy the early termination addendum and the signed application. 

Despite my efforts to rectify this matter concerning account with Ideal Collection Services has to date, failed to prove that this account is mine. You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. I have documented my correspondence with you, and I have filed complaints with the appropriate authorities since you have not removed this item from my credit report. 
This will serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. 
You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves.
Product: Credit reporting or other personal consumer reports

For MANY YEARS we have been borrowing $ & PAYING IT OFF ON TIME OR EARLY, MOSTLY WITH CREDIT CARDS ... OUR CREDIT SCORE SCORE WAS, UNTIL RECENTLY XXXX .... & WE HAD A REVERSE MORTGAGE ON OUR {$240000.00} HOME & LAND..SINCE XXXX. WE'VE HAD GREAT CREDIT WITH SEVERAL CREDIT CARDS FOR YEARS ... THEY CONSTANTLY MAIL US OFFERS OF " 0 PERCENT " SHORT TERM LOANS e.g. {$4000.00} for 12 months + very small UPFRONT FEE, like 3-4 %... SO WE WOULD PAYBACK FEE $ 120-160 & {$4000.00} = {$4100.00} TOTAL FOR YEARS! IT IS LIKE FREE FREE LOANS!!! SOMETIMES WE TAKE ADVANTAGE OF THIS TO BUILD UP OUR RENTAL HOUSE BUSINESS..OUR CREDIT CARD COMPANIES NEVER EVER COMPLAINED! NOW, THIS YEAR XXXX  WE ARE TRYING TO GET A CONVENTIONAL HOME LOAN XXXX XXXX TO PAY OFF THE REVERSE MORTGAGE! WE GROSS ABOUT {$33000.00} A YEAR. EVERY LOAN APPLICATION HAS BEEN TURNED DOWN BY SEVERAL LENDERS, BASED ON OUT CREDIT REPORTS ..WHICH ARE LOADED WITH ERRORS!!! WE ONLY HAVE 2 CREDIT CARDS & WE ONLY ONLY USE ONE! WE CLOSED ALL THE OTHER ACCOUNTS EARLIER THIS YEAR! THEY SAY ALL KINDS OF LIES ABOUT ON OUR CREDIT REPORTS!!!! " INSUFFICIENT LIQUID ASSETS ... .DEBT TO INCOME RATIO ... .LACK OF RECENT INSTALLMENT INFORMATION ... .TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED ... .TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT... .RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH ... .IM XXXX XXXX XXXX ... IVE BEEN IN HOME CONSTRUCTION FOR MANY YEARS!!! I BUILT MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....! MY ELECTRIC BILL IS {$20.00} A MONTH, YEAR ROUND, FOR MANY YEARS & I HAVE ALL THE ELECTRIC BILLS TO PROVE IT!!! & MUCH MORE! THANK YOU FOR HELPING XXXX!!! WE ARE TRUE PATRIOTIC AMERICANS!
Product: Credit card or prepaid card

XX/XX/23 Put in an application for a Capital One XXXX XXXX card and was given an auto denial based on " Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable '' and realized that my XXXX and XXXX credit reports were frozen but the XXXX credit report was not. I was exercising my right granted to consumers under the FCRA, part of the Consumer Credit Protection Act to freeze my credit reports. 

XX/XX/23 Called on the phone to customer service and asked for a manual reconsideration but was told that the application was going to be reprocessed by their system and was given an auto denial yet again. The reason was " Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquiries '' and " Based on your credit report from one or more of the agencies on the back of this letter, time since recent inquiry is too short ''. The system is referencing the previous application that was denied earlier based on my credit being frozen and denying it because the time between the applications are too short. 

XX/XX/23 Called multiple times to customer service and was told they could not manually reconsider my application as they did not have a human underwriting department and would have to be automatically reprocessed yet again most likely resulting in the same outcome and putting yet another hard inquiry ( 2 of them as of now ) for this same application. I did not proceed with the reprocessing. 

The system is denying my the ability to exercise my right as a consumer granted to me by the Consumer Credit Protection Act and is in clear violation of Regulation B ( Equal Credit Opportunity Act ) that prohibits discrimination on any prohibited basis, and 1002.2 ( z ) includes in the definition of prohibited basis the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau.

Capital One 's system is punishing those who freeze their credit reports by auto-denying applications that are reprocessed once the credit freeze is being lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated and confirmed in the attached emails from GM Financial, five of my scheduled monthly lease payments were deferred and approved as follow : - XX/XX/2020 & XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 It is to my total surprise that I found out that only 3 of those payments were in fact deferred, even though we have written notices confirming deferments. 2 of those approved deferment ended being reported as late payments. I of course made the payments the second I realized my account was reported as late. GM Financial recognized their mistake but refuses to correct the error with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 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 As this is not an account of mine and the information is being shared and reported on my account. 
Addresses XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone numbers ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I am currently late every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently late for any payments because the account is closed and should be reporting a XXXX balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. It is being included in my credit score calculation incorrectly as well. Both XXXX and Equifax are reporting this account incorrectly despite several dispute requests.
Product: Debt collection

On XXXX, I sent a letter to this company regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that during the time of this investigation, if they report any inaccurate or invalidated information that could be considered detrimental to any of my credit reports, they were again violating my consumer rights. This company continued to report inaccurate and invalidated information to the credit reporting agencies. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand this account be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an XXXX  this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.
Product: Debt collection

On XX/XX/2022 a collections notice was placed on my credit and I was notified via XXXX. Sadly I was unaware of any outstanding debt. A company called Credence Resources was the collections company that had filed on my credit effectively lowering my credit score by XXXX points overnight putting my business and borrowing abilities at risk. I contacted Credence as soon as they opened and was informed that there had been an AT & T account set up either in my name or social secruity number. I had never received any calls or emails attempting to collect this money becasue the account was clearly fraudulant. I have since notifiy the big XXXX credit bureuas of the fraud as well as XXXX and filed a police report. My biggest concerns is XXXX XXXX XXXX and Credence Resources severe neglect in not checking my XXXX current upstanding acocunts that have been active for many years now. How XXXX XXXX XXXX  or Credence never called me or connected the dots that I have XXXX perfect accounts for multiple years ruining my credit with their negligance of checking social security numbers against existing upstanding customers.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX .... 

Attempted several times to try to correct this misreported information I do not have an account with XXXX and did not have this account with XXXX. I need to know why this information is reported and not removed for it is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

They have identity on all 3 of my credit report XXXX, trans union, XXXX credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX   XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.
Product: Debt collection

AMSHER COLLECTION SERVICES a agency attempting to collect on a alleged medical debt that I have no knowledge of. 

They place derogatory information on my credit report without due process ... .process to include, allowing me the right to dispute this alleged account and I never received any written notice prior to them placing this damaging information on my report as if it were valid when in fact it is not. 

I feel that my rights were violated as a consumer pursuant to the FAIR CREDIT REPORTING ACT. 

The original creditor is : XXXX XXXX XXXX..alleged amount $ v XXXX
Product: Student loan

XXXX Received letter from Dept. of Education stating full discharge of student loan balance. 
XXXX Filed complaint with DOE FSA with proof. 
XXXX Servicer replies email with Letter stating they received discharge from DOE and that discharge was in process. Claims account will remain in forbearance until discharged. 
XXXX Servicer sends account into repayment status. Now 5 months overdue. 
XXXX Filed second complaint with FSA to no response.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 TeleCheck XXXX XXXX   XXXX XXXX XXXX, MD XXXX CFPB Complaint XXXX - TRACKING NUMBER XXXX XX/XX/2019 I received XXXX XXXX responded latter from I submit complain though CFPB. 
Today ( XX/XX/2019 ) I went XXXX XXXX and given paper check # XXXX amount of XXXX has been declined. 
Seven digit dined reference # XXXX I am already tired with dealing with issue and I am going to serious legal action soon. Please fix this issue as soon as possible. 


Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

My mortgage has been sold again - one of numerous sales since we closed on our home. In this transition from XXXX XXXX to Rocket Mortgage, there has been a lapse of all online records for over a week. In addition, there is no way to make payments to principal during the transition process. Lastly, I followed the transition insructions from both companies and made a principal payment prior to the transition as per the instructions. I received confirmation of the payment being received by XXXX prior but balance shown on the Rocket Mortgage site is wrong- it most likely does not include the principal payment. When I called Rocket Mortgage to address these issues, the representative was unable to access my mortgage account information and was informed that a manager would get back to me in 24 to 48 hours. This is truly outrageous.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and some of my accounts were compromised. After finding out about this, I immediately reported the concern to the credit bureaus. Some of the accounts on my reports are not even mine, some were used fraudulently causing unauthorized charges and negative remarks on my reports. 

Please delete this account and hard inquiry, they are fraud and not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraud inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts were compromised and are reporting late because of unauthorized charges. I need your help in removing the negative remarks on the account due to identity theft. The compromised accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my generated FTC from http : //reportfraud.ftc.gov/ as instructed by the bureaus. I have also included here my ID, social security card, and proof of address.
Product: Money transfer, virtual currency, or money service

on XX/XX/2022, in response to a computer ad, sent {$100.00} by paypal as deposit for delivery of a puppy..was to be delivered the following day with cash on delivery ... not delivered ... numerous calls during the day asking for more money to be sent by Paypal ... Paypal transaction ID XXXX ... to XXXX XXXX... we did not pay any more and no delivery..they have not responded.
Product: Mortgage

They have taken over {$3000.00} of mine just missing off of my mortgage payments they subtract ed more when I complain last time they took {$1900.00} from me last time I complained I want an audit done on this otherwise I'm going to the FBI
Product: Consumer Loan

I have a car loan with Ally financial. My bill pay did not pay one month in XXXX 2015, and I did not know this since it is an automatic bill pay. I paid for XXXX on time and they charged me XXXX for a late payment charge. I think this is excessive and unfair practice. That fee is over 80 % interest rate which is loan sharking. No bank that I know of can charge that much for a late fee. I want to know why it is so much and why they have a right to charge that kind of a fee for being late for one month.