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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX - XX/XX/2021 XXXXXXXX XXXX  - XX/XX/202XXXX XXXX XXXXXXXX - XX/XX/2021, 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: Credit reporting, credit repair services, or other personal consumer reports

according to my credit report XX/XX/22 there a several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting zero if one compnay is reporting zero all of them should report zero
Product: Credit reporting or other personal consumer reports

At XXXX on XX/XX/2023, I received and email from Capital One that my phone number was updated on my account ( that I do not have ) and that I was approved for the Venture XXXX credit card with the company. Welcome to the family, XXXX! Now that youre approved for your new XXXX card, you should receive it in the mail in XXXX days. In the meantime, check out your Important Disclosures and Credit Score Disclosure Notice. Then, be sure to download or print and save a copy for your records. At the same time, my bank notified me that there was a credit check on my account since it notifies me of any credit score changes. I never applied for this account nor did I consent to my credit to be checked for this account.
Product: Debt collection

This company is reporting inaccurately. I have no debt with them and they cant validate it. They closed the account on my credit but wont remove it off my credit. Very abusive and taking advantage of this time
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$8500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my report that have a XXXX  balance and I have sent several letters disputing these accounts. I have asked the agency to investigate this and send me whatever information they have to prove that they are my accounts. I have never received anything other than a credit report stating that I the consumer disputes the account. 
The accounts include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Account Details Dear Sir/Madam, I am writing regarding the account listed under my credit report with the following details : Account Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX to clarify that I am not disputing this account. However, I kindly request the following information for my records : XXXX. The Date of First Delinquency for this account. 
XXXX. The Date of Last Payment made on this account. 
XXXX. The Date of XXXX for this account. 

Please provide the requested information in writing at your earliest convenience. I appreciate your cooperation in this matter. 
Thank you for your prompt attention to this matter. 

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

Per FTC sec 609 companies are not validating credit account. They are simply verifying my information.
Product: Checking or savings account

my business acoount in the name XXXX XXXX with its own eid number was attemtpted to be defrauded by someone accessing my account to steal money and data and from my FNBO Bank account located at XXXX XXXX XXXX, XXXX, Tx XXXX and it was stopped and bank will not check it outthis is not first time my accounts were defrauded at this bank and they lie to protect their reputation at customer expense and stress
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX reported {$440.00} bad debt collection to my experian account in XX/XX/2023. XXXXXXXX XXXX XXXX states My account was improperly closed however, the proof is provided that the account was closed successfully.
Product: Student loan

Without my express written or verbal consent XXXX altered the name on my account. Subsequently the incorrect information was passed on to other creditors, Navient and XXXX XXXX XXXX. It is causing extreme hardship attempting to update the name on my account.
Product: Credit reporting or other personal consumer reports

This is concerning, my credit report has inquiries that I don't recognize. I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter on XX/XX/XXXX in regards to be a victim of XXXX data breach as well as a victim of identity theft and that there are XXXX accounts on my credit report that aren't mine. It is now XX/XX/XXXX and Experian has not replied to the letter in regards to this problem. Due to XXXX day time frame for them to notify me of results are investigation i am requesting these accounts be deleted. It has damaged my ability to get assistance to provide for my family and I have been patient enough. 
Please delete now : 1. XXXX- account # XXXX 2.XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX These accounts are not mine and I have bee waiting past the 30 days for a response, update to my letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report despite qualifying as income under IRS guidelines . The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off. 

Legal Basis for Complaint Violation of IRC 6050P : The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditor 's adherence to federal law.

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and finishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) It is considered an unfair, deceptive, or abusive act or practice ( XXXX  ) to report a charged-off account as collectible and delinquent when it should be classified as income and documented through a 1099-C
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX im writing regarding FNBO credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by me.
Product: Mortgage

Rocket Mortgage underwriters issued a mortgage {$120000.00} to me for XXXX XXXX which included taxes and insurance with an interest rate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Now, last month, they decided to raise it ( without taxes or insurance prices going up ).!!!!! XXXX and XX/XX/XXXX they increased to XXXX  XXXX. 

It seems they initiated the numbers with only half of the insurance costs to make it look favorable to me, the purchaser, of the mortgage. By the way, XXXX did this to my son 's mortgage, around the same timing!!! 

I believe they may have done this to thousands of customers for their own financial gain and that's why I'm writing to you. On my closing documents I see that they only indicated half of what the insurance costs actually are. Underwriters are methodical and perfectionists. Besides, they couldn't have done this to me and my son with XXXX different banks, XXXX and Rocket Mortgage. 

This behavior affects the mortgage industry as they monopolize the public and make the industry look bad. They kept me from shopping around. Please audit them!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has removed this account due to invalidity and i have tried to dispute from Experian and XXXX but unfortunately they have not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying a slightly different approach. 

NOTE OLD INFORMATION ON REPORTS! 
THIS DOES NOT NEED TO BE FURTHER INVESTIGATED. THE CREDITOR VERIFIED DATE 100 TIMES. IT SIMPLY NEEDS TO BE REMOVED! STUDENT LOANS WERE TAKEN OUT NEARLY 14YRS AGO WITH 36 MONTH TERMS. NO PAYMENTS MADE. THE CREDITORS FAILED TO REPORT FOR 7YRS AND WOULD HAVE COME OFF THEN BUT THEN STARTED TO REPORT MISSED PAYMENTS AFTER 7YRS. I DON'T KNOW IF THIS CONFUSED THEM BUT THESE OLD NEGATIVE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY. 
THE NEGATIVE IMPACT HAS AFFECTED MY LIFE, ABILITY TO APPLY FOR CREDIT AND GET CERTAIN JOBS! 

NOTE TO CFPB KEEP TRACK IF THEIR RESPONSE IS GENERIC AND DOES NOT ADDRESS ISSUE. THEY ALWAYS RESPOND THE SAME WAY SAYING THEY WILL INVESTIGATE BUT THE ISSUE IS NOT AN INVESTIGATION ISSUE.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances of getting a mortgage and has caused a lot of financial harm to me. I need these fraudulent inquiry accounts removed ASAP.
Product: Debt collection

Im filing this complaint against Portfolio Recovery Associates, LLC, because I have been disputing 2 negative items on my credit file since 2018. Portfolio Recovery Associates, LLC, is reporting I owe them for 2 accounts in the amount of {$840.00} and {$1100.00}. Ive been disputing the account in the amount of {$840.00} since XX/XX/2018 and {$1100.00} since XX/XX/2018, directly with Portfolio Recovery Associates, LLC, in addition to all 3 credit bureaus. In these disputes Ive consistently requested validation of these debts, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have consistently requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. As of today, I still have not received lawful evidence that this debt belongs to me. In its place, Portfolio Recovery Associates, LLC, has consistently sent me bills and letters from what appears to be the original creditor XXXX XXXX. Which, again is not lawful evidence that this debt belongs to me, and violates FCRA & FDCPA. As per FTC opinion letter a printout of a bill or itemized document does not constitute verification. In addition, to them sending me bills and letters from XXXX XXXX theyve sent me letters stating the accounts were sold, assigned, and transferred to them from XXXX, XXXX. Whom provided them with an electronic file of its business records concerning the accounts. With that being said there should be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. Which, again they have failed to send me. These negative items on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery Associates, LLC for a debt I dont owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete these entries. These negative reportings are harming my credit file, and hurting me financially. As this has caused denial of credit, higher interest rates, higher insurance payments, all due to these items lowering my credit score. With this complaint Ive included some of my dispute letters and the letters Ive received from Portfolio Recovery Associates, LLC, along with what they consider validation of debt. Ive only included some of the most recent letters due to file size limitations.
Product: Checking or savings account

submitted a claim in XX/XX/XXXX for a deposit reimbursement on a moving company that i cancelled service within 24 hours ( below their 72 hour policy ) BOA rejected my claim, in favor of the merchant, i faxed all the backup document in XX/XX/XXXX, with proof of email cancellation within 24 hours, and the company 's cancellation policy. BOA again, rejected my claim in XX/XX/XXXX with out any explanation and any mail sent to me with explanation. Even though i had spoken to 4 different customer service agents who escalated it and acknowledged my fax. I called BOA on XX/XX/XXXX, and they acted like they didn't know about the fax i sent, and the proof of cancellation. The Claim 's department is the worse i have seen in my life. Instead of helping their customers ( i have been a loyal customer for over 15 years ) they don't care. They rather loose the business than have to to real work and their job. Why does BOA pay these people for doing nothing, but the are ok with taking XXXX dollars from their customers, unfairly.! Also, they already took my money from my account on XX/XX/2018 XXXX Temporary Credit Reversal. but i got a new message stating that a result, the credit for {$860.00} that was previously applied to your account will be removed on XX/XX/XXXX.  Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be removed. THEY WANT TO TAKE IT OUT OF MY ACCOUNT Twice!! Please help recover my money, due to this and their other claim mistake, i have been hit with many NSF charges.
Product: Mortgage

We successfully disputed our tax obligation, resulting in a property tax reduction. This reduction resulted in an XXXX overage in XXXX of over {$1700.00}. This disbursement was never mailed to us by Shellpoint, our mortgage servicer ( account XXXX ). I called their customer service representatives on our around XX/XX/XXXX to inquire why the check had never been sent. I was told they don't know why it was never received, and said they would issue a new one. Two weeks later, on XX/XX/XXXX, I called again. I was told the check was cancelled for some " unknown reason '' but they would initiate a direct deposit for the refund. When it still had not been received, I called again on XX/XX/XXXX. I was told they didn't have enough information and needed the direct deposit account numbers again. I again provided that information. After still not receiving a deposit, I called on XX/XX/XXXX and was told the refund was cancelled because the account is past due. I explained that I needed that refund to help assist in getting the account current. I was told it is " Shellpoint 's policy to not issue escrow refunds unless an account is current ''. I told the representative the law requires them to return any overages within 20 days by law, but they've held the refund now for over 120 days. The representative argued with me and said there was nothing he could do. When complaining that they are illegally holding my XXXX refund hostage, he retorted that " it's also illegal to not pay your mortgage ''.
Product: Debt collection

I called XXXX to have my number ported to another provider XXXX XXXX, 2022. They ported my number and I started service with another company. I got a bill From XXXX for XXXX XXXX in the amount of {$59.00} even though my last call with them was XXXX XXXX, 2022. I paid them a month in advance when I started the service, and so I should have had a credit coming. Even if they refused to credit me for the partial month I paid in advance, I used XXXX services through XXXX XXXX, so they should only have billed me for XXXX XXXX in the amount of {$17.00} ( 9 days @ $ XXXX = {$17.00} ). Instead, they billed me for the full months amount of {$59.00}. They turned me over to a collection agency, Afni, and when they called today, I explained all this to them and offered to pay {$17.00}. The agency refused and I told them I would be filing complaints with XXXX  and CFPB. Since XXXX turned this over to a collection agency, this will negatively affect my XXXX XXXX. I have worked hard to pay my bills on time, and I currently have a score of XXXX. I don't think it's fair that a business who is trying to scam a person out of money should be able to negatively affect a persons credit score.
Product: Debt collection

I received a correspondence on XX/XX/2023 from AAA Collections XXXX stating I owed them over {$10000.00} plus interest. I immediately called in an attempt to dispute the debt. I was not comfortable with them reading the " mini miranda '' which I interpret and view as an acknowledgement that debt is owed. I, XXXX XXXX, refused the mini miranda as. I simply wanted to dispute the debt as I'm entitled to by law. AAA Collections will not take my calls to acknowledge a billing error did occur from their client XXXX XXXX. Rather they've but my file on hold per XXXX XXXX versus removing it as they're required to by law.
Product: Debt collection

on XX/XX/19 they called me AGAIN after being asked not to contact myself or my employer phone number. XXXX XXXX  and they called a phone number that they were never given. ( XXXX ) XXXX XXXX. I stated on the recording not to contact me at this or any other phone number for any reason at any time.
Product: Checking or savings account

On XXXX I deposited my XXXX XXXX XXXX XXXX Pay check in person at local branch near the location I had been work at that day. When the deposit was done I received a receipt of the transaction then ask for estimate availability to my pay check. The response was tomorrow. To my surprise the follow day I woke up to a notification stating the my paycheck had been place on a ridiculous extend hold of the full amount to the XXXX. I have yet to speak to anyone who will help me. I am being told there is nothing that can be done after that hold is place on the check. No one can release it, and it done to insure the check does not bounce. I work for a government funded entity, I cant understand when has a XXXX XXXX XXXX XXXXXXXX XXXX pay check ever bounce. All 3 calls was with there customer service line with no resolution. I have been charge multiple over draft fee to automated payment I could not change, expecting my hard earn money to be in my account to cover my bills. I been force to use credit cards to get by, beside incur penalty due to the rejection of my automatic payments. This isn't the first XXXX XXXX XXXX XXXXXXXX pay check I deposited and never have dealt with such egregious treatment from a bank. The check was for {$2000.00} dollar which is well below the regulation that governor {$5000.00} and above. My account has been open for 10 or more year so new account regulation wouldn't pertain.