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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number : XXXX, XXXX XXXX Account opened on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX under the account Number : XXXX, XXXX XXXX under account number XXXX, The XXXX XXXX XXXX under account number XXXX, XXXX XXXX XXXX under account Number XXXX, XXXX XXXX  under account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  under Account Number : XXXX, XXXX XXXX XXXX under account number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX under Account Number : XXXX, XXXX  XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX under Account Number : XXXX, XXXX XXXXXXXX XXXX XXXX under Account Number : XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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. And the address XXXX XXXX XXXX XXXX. XXXX, Oh. which is associated with my credit profile needs to be removed. My only address is XXXX XXXX XXXX, XXXX Oh. XXXX. I will attach my ID to prove my correct and only address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.
Product: Checking or savings account

I am being cyber hacked/ attacked on all financial accounts and social media accounts.

My checking account is being breached through the financial accounts that have access to withdrawal Automatic Payments.

The money in my checking account is going missing and automatic payments are not being posted to accounts. Instead, all accounts are being manipulated with EXTREME fluctuating interest rates that are resulting in ridiculous FEES.

I have already reached out to the proper agencies and provide information on who may be causing there problems. 

My Bank of America checking account balance, according to a notification received today XX/XX/19 is - {$900.00}. Which is incorrect. I have reached out to the bank via telephone on various occasions to report this fraud. 

Since my last conversation with them, there should only have been 5 insufficient fund fees incurred ( each at a fee of {$35.00} ) which does not result in the account being overdrawn to - {$900.00}, since none of the payments were processed. 


I have written about my experience on XXXX. 
I have been unemployed for 17 months and this cyber hacker/stalker is also preventing me from finding employment.
Product: Mortgage

Freedom mortgage company did not charge insurance policy for 3 years. There were 2 a year, house, and hurricane wind policy, and they paid both, but because they didnt resolve escrow each year, did not charge me for wind policy, or did an escrow analysis for 3 years. XXXX XXXX they found their mistake, and want me to pay from XXXX monthly to XXXX monthly, because they never did escrow and find their mistake for 3 years. I dont think I should have to pay all at once for their error not applying insurance to me for 3 years. I can not afford that huge increase, in payments and ask for the amount to put at end of loan, and try and help me. My insurance company found the error talking to freedom mtg. Company insurance dept. they said u need to talk to escrow dept, and they refused to talk to me. The last lady at freedom mtg put in second request to spread over more months. I am waiting for their response., but fear it will be past XX/XX/XXXX when payment is due. They already said no once, but didnt refer to other gentlemen that ask for that a few days prior. Just got a message to pay that lump insurance amount sum, or pay XXXX. Monthly until the escrow is paid. They even one year said I paid too much escrow and gave me XXXX back 1 year. Very strange. Said I had to cash it. I should not be in a position to not be able to pay my mortgage because of their error of not doing my escrow analysis, and them missing second policy. I am already paying a bankruptcy, and until that is finished, I do not have the almost XXXX extra dollars to give them for their mistakes. Isnt it a law to do escrow every year? I want it applied to end of loan, because not my error, they made a big error. I was very sick last few years, confined to bed, or wheelchair, had XXXX last XXXX, and just got better from XXXX, and I didnt catch the error.. my life was on autopilot. XXXX needs to help me, and so far they only charged me for leaving out a insurance policy, they missed for 3 years, and I dont have that amount. I am researching what law or policy they broke for not doing escrow on me every year, and paying the XXXX policies for 3 years. Not fair, and I dont want to lose my house because of their mistakes. If they had done correct escrow, I would not owe such a huge amount, all at once for their negligence of not doing escrow, and not paying that XXXX policy to escrow for me to pay. My insurance has all the documentation, as well as taped calls of them finding the errors. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to conduct a proper investigation in order to correct the following erroneous information being reported on my Credit File. I have read that the Credit Bureaus are required to required to validate these accounts in line with the XXXX section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have been sending letters to addressed to the Credit Bureaus requesting that they conduct proper investigation and correct any erroneous reporting they can find. But despite all my efforts to correct my Credit Report, the Credit Bureaus seem to find entertainment in seeing a consumer struggling with their Credit Reports. I am now submitting this complaint requesting another investigation to be properly conducted this time and correct all erroneous reporting on my Credit File. Specifically, I need the following account corrected now : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/2016
Product: Debt collection

I get calls on average 15-20 times a day from Vital Recovery Services XXXX. I have no debts. I 'm 85 years old and they are calling me about a debt that one of my children supposedly has. They all have their own homes and phone # 's, and if one of them had a debt in collection, which they tell me they do n't, the calls this debt collector is making should be to them not me. I 've told them this in the past and yet they continue to call me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX their failure to address and investigate inaccuracies in reporting on my Equifax, XXXX, and XXXX credit XXXX. On XX/XX/XXXX, I sent a dispute letter to XXXX XXXX XXXX an investigation into the inaccurate reporting of an account that appears on all three of my credit reports. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. Despite all payments being made on time according to my payment history, XXXX has failed to update the reporting on my credit reports accordingly. 

From Equifax, it is evident that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. XXXX shows payments made on time from XX/XX/XXXX to XX/XX/XXXX, with no further data available. XXXX is not reporting any payment history at all. Furthermore, there are discrepancies in the payment status reported by each credit bureau XXXX is reporting as " unrated '' or " bankruptcy, '' XXXX is reporting as " charge off, '' and Equifax is reporting as " Included on Bankruptcy. '' In my dispute letter, I specifically requested XXXXn to XXXX detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXX 

On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, XXXX has XXXX to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXX XXXX of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXX for their failure to investigate and correct the inaccuracies in reporting on my credit reports.
Product: Credit reporting, credit repair services, 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 Experian and XXXX 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 corrected : XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the companies in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Transunion feels Im not following all the steps. Seeing Ive submitted my claim with XXXX, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. FTC is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a credit card with VyStar Credit Union, but I never received the first card. After notifying VyStar that I did not receive it and requesting a replacement, I later discovered a delinquent balance of $ XXXX balance I never authorized or used. I have no knowledge of where these charges originated. This fraudulent activity has severely impacted my credit and financial standing. Vystar, XXXX, XXXX and XXXX are all reporting this account with a balance that is not mine. My identity has been stolen, and I have taken the necessary steps to report this crime, including filing a complaint with the FTC and XXXX XXXX police department.
Product: Credit card

I am writing to file a formal complaint against Capital One concerning the unwarranted closure of my credit account and the subsequent allegations of First Party Fraud, as detailed in their correspondence dated XX/XX/XXXX. This matter involves a concerning misinterpretation of the terms within Capital One 's cardholder agreement and raises questions about the legality of their actions. 

On XX/XX/XXXX, I tendered payment for the bill sent to me by Capital One, adhering meticulously to the provisions outlined in the bill of exchange and the accompanying instructions. The payment, intended to be applied as a positive value to my principal credit account, was, however, deemed by Capital One as illegal and constituting fraudulent activity. This conclusion was reached despite my strict adherence to the guidelines set forth in their cardholder agreement.

The cardholder agreement explicitly directs that items bearing restrictive words, conditions, limitations, or special instructions, including those marked " Paid in Full '' or similar language, should be exclusively mailed to the specified address : Capital One XXXX XXXX XXXX XXXX, NC XXXX It is worth noting that all accompanying communications are also subject to this requirement. Despite my compliance with these stipulations, Capital One has deemed my payment and its associated communications as violative of their agreement.

Subsequent to their receipt of my payment, Capital One proceeded to close my credit account. Notably, they assert that the closure is attributed to my failure to remit federal reserve notes, a condition not explicitly stipulated in the cardholder agreement. As the original cardholder and holder in due course, I communicated to Capital One that they lack the authority to close my credit account without my explicit permission and, concurrently, retain the tender payment. This action, in my view, constitutes an unauthorized use of my credit, as delineated in 15 USC Sec. 1602 ( p ).
Product: Credit reporting or other personal consumer reports

Equifax is reporting unauthorized, unknown credit inquiries on my credit report.
Product: Debt collection

I have disputed this collection for over 3 years since, XX/XX/2018. 
I paid my service contract, in full, with XXXX when I ported my XXXX phone numbers to XXXX XXXX XXXX. The phone numbers can not be released by XXXX unless they have a XXXX outstanding balance. The numbers ported to XXXX XXXX XXXX from XXXX with XXXXXXXX XXXX consent, were : XXXX and XXXX. Both of these phone numbers have been under an XXXX XXXX XXXX service contract under XXXX XXXX XXXX XXXX, since that day. There was one phone, an XXXX XXXX, that was leased, so I had cleared the memory at XXXX XXXX XXXX store and later, sent the XXXX XXXX XXXX back to XXXX XXXX in the XXXX  provided, pre-addressed, Yellow envelope. Over the last 3 years, I have been harassed by at least 3 different collectors on different amounts, for different account bills, and nothing in writing consistent, from XXXX, from the prior collection attempts nor the validation of the new collection amounts. 
I have always disputed this collection, as I had the paid in full letter sent to the XXXX XXXX XXXX dealer in XXXX, the day we started the new account with XXXX XXXX XXXXin order to be able to get the release of the phone numbers, mentioned earlier, and " ported '' to the new phone service aith XXXX XXXX XXXX from XXXX. I could only do that with XXXXXXXX XXXX permission and guarantee release of the phone numbers to the new service provider. I pourchased a new phone from XXXX XXXX XXXX in order to be able to return the XXXX XXXX to XXXX in their envelope mailed to me that was bright yellow. 
Suddenly, XXXX started sending me more envelopes and stating they did not receive the phone. Later that year the collections began for unpaid balance charged for the subsequent month after the phone numbers were ported to XXXX XXXX XXXX. we closed the accounts and the service was not provided by XXXX because they no longer had the phone numbers in their control after releasing them XX/XX/2018. There is no service amount owed, as per the earlier disputes resolved with XXXX. Neither XXXX nor the current collection company, I.C. System Inc., which XXXX has now assigned the debt, for a new amount of {$700.00}, is willing to send me any written explanation of the debt and how they came to that amount, other than for a missing phone and services unpaid. No dates match the duration of my contract and previously the collectors stated the " lost phone '' was actually collected in an insurance claim from sprint with the mail carrier in the prior debt collection attempts. XXXX needs to substantiate this false claim, on the service bill they created falsely, from an account they state was paid in full and cancelled service, and paid in full, prior to my changing cellular companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent a promo check to my mothers house. I do not live there and have not lived there in longer than 25 years. My son with the same name lives there and was able to cash the check since we share the same name and no other identifiers. I had no idea all of this was occurring until XXXX XXXX called me about a payment that was due. This business has no right sending out checks randomly to see who will cash them. This is fraud and they are reporting on my credit report.
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 Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX Account # : Account number : # XXXX -- I do not have a loan through them as stated on my bureau report amongst other highly incorrect information Account name : XXXXXXXX XXXX XXXX  # : Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

Account name ; XXXX XXXX XXXX  Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

However, 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

However, 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. 


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 possibly incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also : 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 another adverse item of information, other than the 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.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. FCRA XXXX XXXX prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA XXXX XXXX also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, XXXX XXXX XXXX consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. I am demanding removal of the listed accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX I demand the removal of the incorrect information ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I demand the removal of these unauthorized inquiries ; XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX