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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXXXX/XX/XXXX
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 XXXX XXXX XXXX. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. Account Name : XXXX  XXXX XXXX Account Number XXXX ORIGINAL CREDITOR 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 supposed to modify accounts that aren't reporting correctly. 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nexis Lexis is in violation of the Fair Credit Reporting Act ( FCRA ). I contacted Lexis Nexis to obtain a copy of my credit report. I tried obtaining this report on line, however, unlike the corporations who the company serves, deliberately, willfully and negligently is preventing me from obtaining a copy of the report. This is the second attempt of my trying to obtain this report. As a result I lost the opportunity of getting a job that would have paid me over 100,000 dollars per year. I have already sustained severe financial damages as a result of not being able to obtain this report. Nexis Lexis has a double standard, one for the consumer and one for it's clients, in which Nexis Lexis bars the consumer from being able to obtain a copy of the report by deliberately putting in road blocks. Today we tried to get the copy of the report, having waited weeks to hear from Nexus Lexis. We were given a website and the pin number for the second time. This time what happened was the pin number once again does not work. When you call the number, the provide, a computer voice comes on and says that there is no one available to speak with and refers back to a revolving door to nowhere website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.
Product: Mortgage

My husband and I have a home with Nationstar Mortgage. We filed our Homestead Exemption with our XXXX county tax office here in XXXX XXXX, Tx. they owe us refund checks from our escrow account for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have called them multiple times and still have n't gotten any answers. They owe us about {$10000.00} if not more for our over paid taxes. My husband has a XXXX with the XXXX XXXX. They are not following the rules for our veterans with the tax exemptions. We filed form XXXX and form XXXX. None of our veteran friends have this problem with their homes and mortgage companies. I keep all our paperwork from Nationstar Mortgage and they still pretend like they do n't owe us an money. I will still seek out help until these issues are taken care of. also i will start to record all conversations with all representatives from now on.
Product: Checking or savings account

I am extremely dissatisfied with the services of Bank of America and their unwillingness to except my claim through the claims department because I didn't write the claim # on 3 out of 30 pages. BOA failed to keep their promise and gaurantee stated in the Advantage SAFEBALANCE Banking account which was carefully chosen by myself to avoid overdrafts. This type of account costed more than your basic checking account. I paid them monthly to be protected and they did not protect me. This complaint involves XXXX claims including both my debit and secured credit card accounts. Debit Card Claim # XXXX and Secured Credit Card Claim # XXXX. This claim also involves XXXX and the unauthorized charges to both of these cards towards a rental car. I would like to add that I was trying to establish or build my credit during this time and obtained a line of credit with BOA for a secured credit card. Additionally, I was under the impression that XXXX only charged a deposit when using a debit card as a form of payment. The use of a credit card did not waive the security deposit fee in my case though. On XX/XX/2023, I extended my credit line from $ XXXX {$700.00} and went to XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX to rent a car. I gave them my credit card to be used for the first initial rental agreement payment of {$590.00} which covered a {$300.00} security deposit and & XXXX for a rental vehicle from XXXX. I made it very clear that my credit card was not to be used or charged for anything else or any other amounts. They asked to put another card on file for payment so I gave them my debit card. This rental began on XX/XX/2023 and ended on XX/XX/2023. The rental agreements covered the rental through XX/XX/2023. Basically, the employees at XXXX  were treating my debit card as if it were a credit card and placing authorized holds on the funds instead of collecting the funds and I was assuming I was being charged each time I extended the rental per our phone conversation and email notifications from BOA. Long story short, XXXX let these charges pile up and tried to debit my account for {$5400.00} which caused my checking account to be overdrafted, my account was eventually closed, my attempt at improving my credit worsened, hindered my financial stability and options for banking locally. I was turned down by several local banks for opening up a checking account and I have a balance at XXXX and can no longer rent a vehicle. The documentation I have will give you a better understanding of this information and I also have recorded audio from when I went to XXXX  personally and met with XXXX XXXX and we called Bank of America to address the issue at hand. During that time, and as a result of our phone call to my bank, the fault was mostly placed on XXXX due to their misuse of a debit card and lack of staff training. XXXX apologized on their behalf and and said she would see what she could do. I then received a letter from XXXX XXXX, XXXX  Area Manager, offering a {$500.00} credit towards the balance owed. I tried to make a claim with Bank of America for both cards and they didn't process it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit has 2 mortgages reporting XXXX XXXX XXXX XXXX sold to XXXX XXXX, XXXX was settled in XX/XX/2020 Please have Experian updated as they refuse
Product: Credit reporting or other personal consumer reports

I havent sent proof of address, identification multiple attempts spoken with supervisor twice NO RESULTS, they continue to refuse updating my information.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
This item from XXXX XXXX Card ( revolving account ) is inaccurate [ and incomplete ] because, XXXX XXXX stated the account condition is Charged Off but on my credit report it still shows a balance past due {$5900.00} amount, like the account is still actually open. If the account has been charged off ( is what the letter they sent me stated ) shouldnt my credit report show a {$.00} balance? I am requesting that this item be reflected in the charge off letter XXXX XXXX XXXX stated. 
Enclosed is documentation supporting my request : Letter sent from XXXX XXXX XXXX is attached to this letter. 
Please investigate this matter and delete [ or correct ] the disputed item [ s ] as soon as possible.
Product: Credit reporting or other personal consumer reports

Every month I have to self report my account information as inaccurate, it is not automatically reported in 30 days or 45 days by Mohela. No one should have to self report their student loan balances as incorrect or uploading the account data, which is provided by Mohela.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX I - XX/XX/XXXX
Product: Payday loan

I am having financial difficulty and have asked the company to refinance to a lower interest rate or if they had a hardship program and they insist tbey do not. They are not willing to help me at all lower my payments! The company is Loan depot.I just want them to work with me.
Product: Credit reporting or other personal consumer reports

One 3 separate dates in the past year XXXX XXXX XXXX has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with XXXX XXXX in over 5 years.
Product: Credit card or prepaid card

XX/XX/XXXX AND XXXX OF 2020 MY COMPUTER WAS HACKED AND THEY USED CREDIT CARD WHICH WAS ON XXXX AND BOUGHT XXXX DOLLARS WORTH OF XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX.THE ONLY WAY MY WIFE COULD GET IT STOP WAS TO CLOSE XXXX ACCOUNT AND KNOW THEY WON'T HELP BECAUSE THEY SAID WE CLOSED OUR XXXX ACOOUNT AND I HAVE BEEN DEALING WITH THE CREDIT CARD COMPANY SINCE XX/XX/2020 FILING FRAUD ON IT AND THEY KEEP TELLING ME THAT IT WAS MY XXXX ADRESS AND KEEP TELLING THEM WHAT DO THEY EXPECT BECAUSE THEY HACKED MY COMPUTER FROM HOME.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TRANSUNION, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis.

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights. 


3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.
Product: Debt collection

Amount they are claiming I owe XXXX : {$80.00} They have called my personal cell phone number from the number ( XXXX ) XXXX on the following dates and times : XX/XX/2018 at XXXX XX/XX/2018 at XXXX XX/XX/2018 at XXXX They also used the following number on XX/XX/2018 at XXXX : ( XXXX ) XXXX I have received multiple collections letters in the mail claiming to be coupons and other misleading things from this company. 

On XX/XX/2018 this company called my girlfriend on her personal cell phone number at XXXX from the number XXXX XXXX XXXX XXXX. 

They also called her number on XX/XX/2018 at XXXX from phone number XXXX XXXX XXXX XXXX When answered the calls are completely silent. Upon calling them back it's revealed that its this collection agency. 

This debt is originally owed to XXXX from a no contract phone service. They keep reporting to my credit as a recent debt to keep collecting. I've checked my credit reports and their claim keeps getting updated as if I just acquired it.
Product: Credit card or prepaid card

I am a victim of identity theft and I have never had any type of credit cards with Discover Bank. I am requesting for Discover Bank to remove and delete this fraudulent account from my XXXX and XXXX credit report immediately or legal actions will be taken. 

1. Discover Bank Account # : XXXX I have attached correspondence from your company stating for the credit bureaus to delete and remove this fraudulent account from its system. Why is Discover, XXXX and XXXX violating my rights? 

I have attached a copy of my police report, Discover letter as well as a copy of FTC report for Discover Financial Services to remove and delete this fraudulent account from its system as well as my XXXX  and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Debt collection

I sent a certified letter to the company on XX/XX/2019 asking Midland Funding to please validate this debt they are reporting on my credit report. They received Monday, XX/XX/2019 at XXXX XXXX. I have not heard back from Midland Funding in regards to this debt which remains on my credit consumer report, in which they are attempting to collect for.
Product: Debt collection

About 8 years ago, I lost my house to foreclosure ( surprise surprise ), and when I was in the process, I stupidly asked the HOA if I should pay them after I had vacated the property. They told me no ... 
So I did n't, long story short I should have paid them for the time between when I vacated and when the property was actually foreclosed on. I tried to pay them but they would jack up the amount each time I did, adding fees and interest. they took me to small claims court, and tried to sue me for an amount that was nearly XXXX the original amount, judge had me pay the original amount plus some fees, but not the jacked up difference. I then paid that amount, but they sold the difference to a collection agency. 
I have the paperwork for the court saying the debt is paid in full, but this collection agency has been chasing me for years, and now they have brought my wife into it, by putting the debt against her, so its dinging her credit, even though we married long after I had bought the home, and was never on the hook for the mortgage, deed, hoa, or anything and during any of the legal proceedings had nothing to do with it. it only happened about a year ago when we were doing our yearly credit check, and we saw it show up on her credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute DepartmentEquifax XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 

Dispute the validity of the debt within 30 days of receiving the notice. 

Request verification of the debt before any further collection efforts are made. 

If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within 30 days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Debt collection

there are multiple violations. I send the credit bureaus and the collector multiple letters and every time i receive a letter saying the debt has been validated ... correct me if im wrong they did not even do a proper investigation for this account as i just pulled my report and there is no comment stating that this account is in dispute ... ..the account numbers are reporting differently between the 3 bureaus ... .account types are reporting differently ... XXXX  is reporting a past due on a collection and the other 2 bureaus are not ... .XXXX  is reporting a payment status of 120 days late and the other 2 bureaus are reporting Collection/Chargeoff as payment status ... ..all 3 have different dates of last active ... .there are too many violations for them to have conducted a proper investigation ... i have attached a copy of the report ( only this portfolio account ) for you to see the violations ... .next step is sending this to an attorney as i have a copy of all of the letters i send to the bureaus and portfolio as well as all of the credit reports for those months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I got a message saying that my FICO score had dropped XXXX XXXX  due to a Late Payment in one of my accounts. This is completely false and incorrect, all of my accounts are current. I Contacted Experian and XXXX they went through my credit report and said that I was right, that all of my accounts were up to date, that they didnt know why my credit score went down or why a Late Payment note appears on my credit report. They didnt give me any solution towards removing this false information, they only said that they couldnt do anything about this note on my credit report. This is affecting me tremendously and this false information is suppose to stay there for 7 years.