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

This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : 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 have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. I use to live in OHIO 10 years ago I have been in XXXX FL since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Debt collection

On XX/XX/year> at XXXX I was served papers claiming to be from the First District Court for XXXX XXXX XXXX Utah . The papers i was served included a Summons, a Complaint, and the paperwork showing that my debt was purchased from the original owner of the debt. The paperwork was all dated XX/XX/year> and stated that i must file a written answer within 10 days or else " judgement by default will be taken against you for the relief demanded in said complain. '' I first attempted to contact the company but could not reach anyone, i could only get an automated system so I then contacted the First District Court to verify if these documents were real and the courts have no record of any summons or complaint. The company that has violated my rights under the FDCPA by fabricating false government court documents and threatening with a false lawsuit is, Jefferson Capital Systems , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late with XXXX student loan company. 
Acct shows I was late several years ago. XXXX bought account. I've never been late with XXXX.
Product: Credit reporting

I have an account with Credit Check total. I logged in a few days back and discovered within two weeks a number of unauthorized inquiries processed with about two weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right!
Product: Checking or savings account

XX/XX/XXXX - {$99.00} XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$100.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$89.00} XXXX XXXX XXXX FL XXXX All these locations committed fraud, I've never been to these location. Wells Fargo confirmed that I as a client have no history in any of these locations. But they only refunded the first incident of this, and told me I'm out of luck with the other ones. Even though it is in their 'notes ' that I'm not at fault here.
Product: Checking or savings account

Dear CFPB, I am disappointed with Chase 's handling of my fraud claim. On my XX/XX/2023, my device was stolen and someone had accessed my personal information, XXXX keychain passwords, including my debit card number and made a fraudulent transaction at XXXX  for {$150.00}. I have promptly notified Chase within the same day that my device was stolen and my Chase online banking profile was secured and a new debit card was reissued. On XX/XX/2023, Chase has concluded my claim stating that the transaction was indeed authorized. [ Letter from Chase Attached ] Chase 's decision was made based on the merchant 's information, XXXX The merchant, XXXX, were able to base their finding on " no change of registered email address or passcode, before or at the time of the reported transactions '' [ Letter from XXXX Attached ]. This is in fact true, as my device was stolen and all of my passwords were saved on the XXXX keychain. Therefore, the perpetrator had access to that information and was able to make those fraudulent charges. 

I am disappointed from Chase because their Deposit Account Agreement and Privacy Notice under Special Provisions for Card Transactions ( Zero Liability Protection ) clearly states that " you are not liable for any unauthorized card transactions if you notify us promptly. '' [ Deposit Agreement Attached ].

I have a direct deposit relationship with Chase for about 5 years now and this is my first claim with them. I am very unsatisfied and have lost faint in them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Product: Credit reporting 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an 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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a health care working traveling across the United States with rights under 15 USC 1681. Equifax has violated my rights some many times. I demand the accounts listed below be remove because according to 15 USC 1681 I have the right to privacy and I did not give Equifax permission to furnish these accounts.

I own three vehicles since 2021. I can only drive one at a time. I travel using my Honda Accord because easy to ship. This is fraudulent of Equifax.

1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has not reported to the credit agencies since XXXX. I have recently payed off all my debts, including this one, but them not updating my current balance is effecting my credit score, and I will be applying for mortgages soon. I need them to report my XXXX XXXX balance correctly so that the utilization for my BJ 's Perks Mastercard is reflected correctly. It should change significantly from above 90 % to less than 12 % utilization. My statement closing date was XX/XX/2022 and like I said before, they have not reported my credit account with them since XXXX. 

I have tried reaching out multiple times and spent hours on hold, I can never reach anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Equifax this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$250000.00} XXXX XXXX XXXX XXXX : {$250000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my Transunion credit report, is the result of that trafficking.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act theses convergent accounts have violated my rights : 1 ). XXXX  XXXX ( XXXX ) Account # XXXX 2 ). XXXX  XXXX ( XXXX ) Account # XXXX 3. ) XXXX XXXX XXXX ( XXXX ) Account # XXXX. 

Rights Violations : 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: Debt collection

PSC collection put ex wife med bills on my credit report. my ex lives in XXXX and is a XXXX XXXX. she has med insurance these bills never went thru any insurance..and she said there not her bills. from a wa state hosp. collection gave me her bills and med info.which is violation of HPPA act. bills and exwife name no proof of validation. XXXX 6 med bills.. and while been complaining to them and BBB. they sent me a bill I owed them XXXX for a ticket bill i paid and have receipt for they added XXXX in interest to it..SO med bills are fraud. plus there not in my name. Its consumer report. Not a report that is for how you moniter others because if they dont pay there debts.a collection agency who has power will ruin your credit report and there is nothing credit bueros will do. They will ask the fraud agency they will say YES of coarse its valid then case closed..SO Now your screwed
Product: Credit card

I entered into a settlement agreement with Citibank on a Sears account ending in XXXX that allowed me to pay them {$4200.00} as payment in full. I was not able to get the loan completed by their payment due date, so I called and asked for an extension and was told that it was fine and I asked if needed another settlement letter and Citibank said no. So the loan went through with my credit union and sent them Certified check marked loan payoff. I thought it was all over until I started receiving calls from XXXX and I told them i paid the account with Citibank, but still went ahead and filed a collection lawsuit against me for the account I settled with Citibank.
Product: Payday loan, title loan, or personal loan

on X/XX/17, I received a {$400.00} deposit into my savings account from Riverbendcash.com. I never authorized this loan nor did I ever have any contact with them prior to the monies being deposited into my account. I called their customer service line and asked them to please reverse the deposit and take their money from my account and to block my account from any future deposits/drafts from their system. In addition, I requested how did they receive my information. The rep provided me with a phone number I use to have 10+ years ago and an email I had 15+ years ago. Under no circumstances did I ever request, authorize or consent for this loan.
Product: Credit reporting or other personal consumer reports

i m paying my accounts full every month and i submitted dispute with citi about a fraudelent so called hvac person who came and charged me and did nothing at all and had no clue what he is doing and had no clue to even diagnose.. 

citi not only rejected my disputed, but started threatening me to send my account to agencies though the amount was already in full paid by myself THIS IS UNACCEPTABLE TO SEND SUCH LETTER WHEN I ALREADY PAID MY ACCIUNT AND THE AMOUNT ITS ABSOLUTELY OUTRAGEOUS i have credit score of XXXX and never ever had a late payment and i have been abused by citi by letter threatened i m having my account send to agency, while the amount was fully paid and i have automatic payments full balance each month whatever i write here can be verified
Product: Debt collection

Action Taken : I sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically asking them to provide evidence that the debt was legitimate and owed by me. 

2. Debt Validation Request Details Provided : In my letter, I requested : Proof of the original debt, including the original creditors name and account details. 
Documentation showing the transfer or assignment of the debt to the collection agency. 
Verification of the exact amount owed, including any fees or interest added. 
Delivery Method : The request was sent via certified mail with a return receipt to ensure documentation of the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy back in 2012, but according to the New law that took effect in July they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I saw addresses on there that are not correct. I looked up your website, I have enclosed proof of my current address that you require. 
The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. 


Here is a list of the incorrect address, please remove them : Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

During the pandemic, we put our loan with Arvest Central Mortgage XXXX loan # XXXX XXXX on forbearance. I was told by Arvest this would not effect my credit score. We sell the property XX/XX/2020. Today, I get a message from my bank about my monthly credit score is updated and it shows XXXX. My score usually runs in the 790s. The only negative reflection is Arvest Central Mortgage. I contact them and they can not tell me why. I am waiting for them to a review and remove the negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I am being harassed by mail advertisements for personal loan from Oportun using my home address but address to XXXX XXXX. I do not know this individual. I have had filed several complaints with the company and received acknowledgment. They promised to stop sending mailers and removing my address from their records. I keep receiving the same advertisement for the same individual in English and XXXX every other month. This has happened for 2 years now. Extremely Frustrating!!! Please Help
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and requested the removal of this fraud account multiple times. I went back and forth with the bureaus since XX/XX/XXXX but to this day, the fraud account is still on my credit report. 

Please delete XXXX XXXX XXXXXXXX - XXXX - date opened : XX/XX/XXXX ASAP. 

and delete these fraudulent inquiries : XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. 

I have aattached my new and old FTC reports along with my IDs
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XXXX XXXX XXXX XXXX to have incorrect/transposed legal names removed from my Experian credit report. Experian removed multiple names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and four other incorrect/transposed names but they will not remove XXXX XXXX XXXX XXXX which is not my name. 

The only name that should be on my report should be XXXX XXXX XXXX XXXX. Thank you for your time!
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXXB ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$210.00} XXXX XXXXXXXX Balance {$210.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received notification from XXXX XXXX XXXX in XX/XX/2020, that effective XX/XX/2020 XXXX XXXX would cease operations. On XX/XX/2020, I went to XXXX XXXX XXXX to cancel my membership. When I arrived at the gym I saw that the gym was closed and I saw moving people inside packing up all of the equipment. I then called and no one answered the phone. Then I went online to their website and discovered the site was shut down. 

Since my membership was month to month, and I was unable to speak to anyone I contacted my bank to stop all payments to the gym. Then on XX/XX/2020, I received from First Credit Services , Inc notification that my account has been placed in collections. I tried on 5 different occasions to speak to someone. Every time I called I requested to speak to someone in XXXX ( I am English challenged in speaking ). Every time I was told someone would return my call to assist me. I have yet to receive a phone call from them. 

I dispute this claim on the following bases. 
1. I attempted to cancel my membership and was unable to due to the closure of the business.

2 My membership was month to month with no long term contract.

3. I have attempted to reach out to the collection company and they have not been helpful in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax continues to report inaccurate information on my credit report for the account listed listed below. 

XXXX XXXX XXXX : Account number XXXX. 

I do not recognize nor understand the form of reporting of this account. This account has historically and continues to report inaccurate and inconsistent information to all 3 bureaus.

1. The company is fraudulently reporting last payment date of XXXX XXXX. Last payment was XX/XX/XXXX. 

2. The company has reported inconsistent payment statuses across all three bureaus.

3. The company has reported payments while the account is in charge off status. Last payment on XXXX shows as XXXX XXXX with a close date of XX/XX/XXXX. The company also shows " Times 30/60/90 days late 0/0/0 ''. On XXXX, the account was charged on XX/XX/XXXX. On Equifax, there is payment history. The account has been closed, reopened, and placed in 30,60, and 90 late statuses.

4. The company is reporting the account on my family 's credit report.

5. The company is reporting payment history to Equifax for the year XXXX, while also showing CO status on XXXX during the same time. The balance also continues to fluctuate. 
1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} I demand the account be removed from credit report immediately. I do not authorize the reporting of this tradeline. It has damaged my credit report since XXXX with its erroneous reporting. XXXX, Equifax, and XXXX have failed me as a consumer, and has not operated in good faith and according to FCR and FTC rules and regulations regarding accurate reporting of information. I have been disputing the accuracy of the reporting of this account for years, and the credit bureau does nothing to ensure accurate reporting. Instead accusing my disputes as being frivolous to avoid investigation.