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

I am a victim of identity theft. I contacted " Equifax Alerts '' by phone on XX/XX/2023 Eastern standard time at XXXX am. I was connected to a representative in the dispute department by the name of " XXXX ''. I informed the representee that I was in fact a victim of identity theft and per the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The representative stated the only two ways to dispute identity theft is by mail or fax. The representative then stated their fax machine was down. I stated I do not have the transportation or money to send documents certified and asked about the dispute option only. The representative then informed me he can dispute over the phone but would still rather I send documents for my Federal Trade Commission Identity theft report via certified mail. I insisted on uploading documents immediately online and to provide my identity theft report number in the dispute. The representative was very reluctant to and ended our call without giving me my dispute confirmation number and sent me back into the queue.
Product: Checking or savings account

As of XX/XX/year> I was unable to use my debit card and or log into my Citi Bank app to view my account information.I called in and they were unable to give me information. Therefore on XX/XX/year> I walked into the Citibank in encino Ca at exactly XXXX am. They were able to let me know that they had decided to close my account that there was no reason as to why and that they were going to move my account to closed completely after 30-60 days. I then said that I wanted the funds in my account as my father had zelled me {$1900.00} to pay our rent and they told me that they were not able to get me funds because they were not protected funds. That they could only give me {$210.00} that had come from an ACH. This then led me to ask why they closure and they couldn't tell me and they stated that after they conduct their investigation they will then send me check with my balance of {$1800.00}. Meanwhile since they can not prove its my money they can not give it to me. I left the branch and called Citibank customer service, the representative had me identify myself about 3 times to tell me that there was nothing I could do that a supervisor could call me back I very upset told her I would wait for the supervisor to come on the line and was not going to take a call back. The supervisor said they had no further information on my account that there was no one superior to him that could help and or support me with obtaining my money out of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY CAME BACK SAYING THAT THEY VERIFIED THE ITEMS REPORTED WAS CORRECTLY. AND NO FURTHER INFORMATION WAS GIVEN.HOW ARE THEY VERIFYING THE INFOR IF THEY CAN'T PROVE ANYTHING.
Product: Debt collection

upon checking my report I stumbled across fraud on my account. after closely reviewing the information furnished on my report I can not understand nor remember going into a agreement with this company. They are furnishing bad reports and being deceptive to the system, my credit report and Transunion are allowing them to violate my consumer rights. I certified mailed a verification of debt and cease all communication until all things are solved but this is still on my credit until this day. Tranunion and this company received certified correspondence from me. attached is the document I sent to both companies
Product: Consumer Loan

the company ran my credit report multiple times, unauthorized, resulting in several credit inquiries on my credit report damaging my credit standing/score. i have contacted the company via certified letter requesting removal or proof in the very least. they replied without proof and with no resolution. I then called the company and got more of same and bounced around to several departments with no luck. i then contacted XXXX by phone ( tried an online dispute with them prior to this ) where the inquiries were generated and they informed me that they do not dispute inquiries.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 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
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 16c-2, I am requesting the removal of unauthorized hard inquiries from my credit report, as they are incorrect and harming my credit.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00}.
Product: Credit reporting or other personal consumer reports

Unlawfully reinserted an account that was previously deleted without notifying me as required by law. This is a clear violation of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), and I expect it to be removed immediately. ''
Product: Mortgage

I have made an overpayment on my home mortgage. Then I have done refinancing. The mortgage bank is not refunding my overpayment.
Product: Credit reporting or other personal consumer reports

I am a living human being, i have rights under 15 usc 1681 Equifax is govern by 15 usc 1681 And they violated my rights numerous of times I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts XXXX. XXXX XXXX XXXX XXXX  = XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

please see attachments. I HAVE TRIED TO OFFER TO PAY THIS DEBT  ON 3 DIFFERENT OCCASIONS IN EXCHANGE FOR MY PROMISSORY NOTE. I CONTINUE TO GET THESE OPEN ENDED LETTERS THAT MEAN NOTHING NOR ARE THEY COMPLYING WITH MY CONSTENT REQUEST FOR MY PROMISSORY NOTE IN ITS ORIGNAL FORM. MEANWHILE THEY CONTINUE TO LIST A {$0.00} DEBT ON MY CREDIT REPORTS. THEY REFER ENCE ME TO   XXXX   XXXX   XXXX   XXXX   FUNDS WHICH BOTH BEEN DELETED OFF MY CREDIT REPORTS FOR INACCURATE INFORMATION. MY HANDS ARE TIED AND I 'VE DECIDED TO LEAVE THIS MATTER IN YOUR HANDS
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXXXXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

I recently pulled my credit report from XXXX, XXXX & XXXX. On all three reports, Synchrony incorrectly reported balance and charge off amounts. This account is over 6 years since charge off. This is an old account. 
Partial Acct # XXXX There are incorrect balances, dates, and closed date showing. I immediately disputed this information with XXXX, XXXX & XXXX and the results of the investigation came back as verified by your organization. 
According to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the error ( s ) with the credit bureaus, and you obviously verified them, I was curious as to what kinds of records you may have for this alleged account. 
Under the FCRA, you are required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation you may have verifying the legitimacy and accuracy of your verification and reporting of the account as stated above. I submitted my written request to you to conduct an investigation and provide me with the original documentation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request, but you failed to respond within this time period, per the FCRA, you must remove this negative information from all three credit repositories or face litigation with punitive damages of {$1000.00} per error and I fully intend to utilize litigation if needed to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit card for years and have a great payment history with my XXXX XXXX/XXXX  account and there is nothing being reported towards payments or credit line with this card. It was on my report for years and for the last 5 or 6 months it doesnt appear on any credit report ive spoke to credit card company and all credit bureaus and noone seems to know why or how to help me.
Product: Checking or savings account

Chime failed to refund me my balances within 14 day when Chime failed to refund me within 90 days. Which resulted in In me not having access to funds in my bank accounts I was unable to pay for basic living expenses, like gas rent
Product: Debt collection

On XX/XX/19 I was notified by XXXX  that penn credit corp reported a collection account that I have never been provided with a bill or any documents validating the debt in question.
Product: Mortgage

Ocwen Loan Servicing, first wrongfully reported me to be late in making payment by wrongfully allocating the monthly payment towards the principal and then began to charge late payment fees. They do this on a regular basis. PLUS they reported me to the Credit Reporting Agency for late payment, when we did not miss a single payment to them. What they do is simple. In the month of XX/XX/XXXX ( the short month ) any payment received on XX/XX/XXXX for XX/XX/XXXX is  allocated as a " DOUBLE PAYMENT in the same Month '', as they receive one payment on XX/XX/XXXX and another on XX/XX/XXXX. This works each time as I make my payment reach them on the XXXX of the month. XX/XX/XXXX being 31 days and XX/XX/XXXX being shorter in length, they end up getting two payments in that month. So they allocate a payment without your consent or information to the PRINCIPAL balance, as if by mistake. BUT the intent is to charge you late fee of around {$100.00} per month.

WITHOUT MISSING A SINGLE PAYMENT, they have reported me late. My case Number with them ( XXXX ) and NC Department of Justice ( XXXX ) is ignored and they reported me to XXXX as delinquent ( Case No. XXXX  ). They have done this trick for the THIRD TIME. Their Ombudsman lady XXXX XXXX writes long jargon filled letters that do not address the complaint and try to side swipe their customers with fraudulent charges by wrongful manipulations without your knowledge or consent. OCWEN is a corrupt financial institution like XXXX, that is cheating people and has built-in cheating mechanisms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX  partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX 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. This fraudulent, inaccurate, and false information consists of a personal car loan open at XXXX XXXX XXXX, on XX/XX/2022, under the account # XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Credit card

I lost my job 3 months ago and they kept asking for more and more documents which I did give them. XX/XX/year> is when I lost my job and can't pay but they want me to pay which I don't have enough money to pay because I am getting unemployment. I told them I can't pay because of my situation. They still want me to pay, I enrolled in credit protection but they haven't honor the agreement that I signed when I started with them. So what can I do?
Product: Debt collection

AFNI has knowing and wrongfully placed a collection account on my credit reports with  XXXX  and  XXXX   XXXX  that does not belong to me, they continual to harass me for my personal identification information and threaten to take further action against me for a debt I know nothing about.     I have not entered into any type of legal or binding contract with  AFNI  nor have I subscribed to or received any services from them. The identifying information which was provided to me by  one of there collection agent does not belong to me and are not mines and I never have resided in the State, City  or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts have appeared on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts from my credit report immediately. 
XXXX Accounts : XXXX. XXXXXXXX XXXX XXXX - Account Number : XXXX - Date Opened : XXXX XXXX - Amount : {$4500.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XXXX - Amount : {$2300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XXXX - Amount : {$1100.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX  - Date Opened : XXXX - Amount : {$490.00} XXXX. XXXX  XXXX XXXX  - Account Number : XXXX - Date Opened : XXXX - Amount : {$420.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XXXX - Amount : {$1100.00} XXXX. XXXX  XXXX - Account Number : XXXX - Date Opened : XXXX - Amount : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I filed disputes with Equifax, XXXX   and XXXX regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my XXXX account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered " NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to me.
Product: Debt collection

On XX/XX/XXXX I pulled my consumer credit report and found that a company XXXX XXXX XXXX is negatively reporting an account with them as a XXXX XXXX on my consumer profile. I believe I am  seeing multiple possible FCRA & FDCP violations This negative and Inaccurate report is harming me and stopping me from being able to acquire services on credit. 
15 USC 1640 civil liabilities for reporting inaccurate information 18 USC 1028 ( a ) Identity Theft I never instructed or gave XXXX XXXX XXXX permission to furnish information. to give the information to my consumer profile I never consented to the report in the first place. 

XXXX  XXXX XXXX Sold my information to a XXXX XXXX  and engaged in unfair debt collection practices when they hired and gave my private information to an outside towing company XXXX XXXX  who breached the peace at my home when they illegally took possession of my automobile. 


on XXXX XXXX  XXXX I mailed this company a Debt Validation Letter and Opportunity to Cure notice which was sent by Certified Receipt XXXX XXXX XXXX XXXX XXXX XXXX to the XXXX  XXXX XXXX and was shown to be received and signed for on XX/XX/XXXX but never responded to. 


15 USC 1692 ( d ) harassment and abuse STRIKE XXXX XXXX reps were instructed not to make contact during business hours. They were given specific time slots when the phone would be free to receive calls pertaining to this account but the reps repeatedly deviated from that agreed XXXX  time frame and made calls at times which were disruptive to day to day business operations. Their own internal system notes reflect the fact that they were instructed to communicate during certain hours and their records will show the times they made contact with me during those hours and the duration of the phone calls. 

If we did a FOIA request of the transcripts it will also show that they were aware of their breaches and knowingly and willingly ignored the laws the govern when and how to communicate with alleged debtors per FDCPA 15 USC 1692 ( G ) No XXXX  day notice was given before they furnished this Negative item to my consumer report.. nor did they have my permission