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

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX is reporting this account with a late payment when it shouldnt be reporting late.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$150.00} XXXX XXXX Balance Owed : {$710.00}
Product: Mortgage

Refer to my previous complaint # XXXX about BANK OF AMERICA for this same loan about a different issue. 

This equity account was opened XX/XX/XXXX at the rate of 4.5 % for 15 years with a credit limit of {$29000.00}. 
From that time the loan was kept at that rate until XX/XX/XXXX when they raised the rate to 4.75 % and I questioned this raise without receiving any valid or satisfactory response. They instead have continued to raise the rate again in XX/XX/XXXX to 5 % and then again 3 months later in XX/XX/XXXX to 5.25 % and then again 5.5 % in XX/XX/XXXX. Again for no reason equity rates are down all over the U.S. 
I have all statements since XX/XX/XXXX to prove my point which shows all amounts applied to principal and finance charges for the interest. The interest just keeps going up as I make the payments each month and less and less is being applied to the principal as it gets closer to the draw date of XX/XX/XXXX and the repayment period which according to their accounts is going to be another 10 years ( refer to document attached ). 
With equity rates down not up and they recently offered to customers with new equity loans a rate of 2.99 % how does that justify continually raising my rate ( the last being a matter of two months ) when I have auto pay, have not been late, and have made in the past some extra payments to the principal including one most recently which they did not credit me for. See document of XX/XX/XXXX. Additionally as they continue to raise my rate less is going to the principal and more to interest. 
Raising rates 3 times in less than 6 months while adding more interest on their end for no justifiable reason, and then sending out notices for XXXX XXXX ( attached document ) to request help is proof of the misleading and deceptive practices of Bank of America. Their game is stacked against the consumer to continue keeping the customer in debt and not to be helpful.
Product: Debt collection

I received a letter from Afni , Inc in 2016 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Mortgage

I started at XXXX at 30 years 4.25 I am now at XXXX at 30 years 2.75 % XXXX dollar increase over a 2 months. 
Did I just XXXX myself? I thought it was something fishy about it. I really did not want to do it. Did i win or loose? 
We like we have been XXXX and humiliated? 
Lets be clear I DID it because I wanted to lower my house note. 
Please advise!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Tried to get my home refinanced, and found out that these accounts were on my credit reports. I've never did business with any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received validation of debt by S & S Recovery via Mail Dated as the XX/XX/2022 information is attached to this complaint. The referenced Account # XXXX Reference # XXXX. There was an inaccuracy in which I was incorrectly billed in the amount of {$1400.00} was supposedly refunded back to the account. I did not receive any funding for an overage nor was this information shared with me until the investigation from S & S Recovery. The account balance reported from S & S Recovery is not reflected as the SAME BALANCE reported on my XXXX Credit Report. ( Doc. Attached ). 

I am contacting you because you claimed to have completed this investigation and verified this information with XXXX XXXX XXXX as reporting 100 % accurate. However, this account is STILL inaccurate and is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I have previously requested that you investigate and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE and remove this inaccurate account from my credit report.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Genesis Management DBA Columbia Debt Recovery is back harassing me & on my credit report as active and open! I filed a complaint already with you guys on Genesis Management but they are now trying to collect as Columbia Debt Recovery. You already closed this account as charged off but they are illegally trying under another name. I also need this company removed from my credit report as its affecting my credit. Genesis Management DBA Columbia Debt Recovery is fraudulent and illegal. They dont have my permission for none of this scamming.
Product: Bank account or service

BB & T charged the bank account for my XXXX for a " service charges prior period ''. When I called to inquire they said a manager would need to call me back. I called back a couple hours later and was then put on hold until the manager could talk with me. A manager is the only person that could reverse the charge. 

They had no good explanation other than the account was put into the wrong account type when they converted from XXXX to BB & T and they were going to charge the XXXX a fee for being in a business account. 

When I told them this smelled like XXXX, they very quickly indicated that they would refund the fee within 24 hours and move the account to a not for profit account type which had no fee. I told them that I appreciate that, but I knew that the bank had 100s of XXXX accounts not to mention other not-for-profit organizations. He agreed and I told him charging this fee was totally inappropriate. The XXXX received no communication about this change and I suspect many other accounts have this fee charged to them. I believe the CFPB should look into BB & Ts business practices, this is no different than what XXXX did.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 'm a victim identity theft and someone open accounts in my name this account was removed befor and now it 's back
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about inquiries that appeared on my report that I did not authorize. The instructed me to file a report with you and send a copy to them.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccurate information reported on my Transunion credit report for Avant credit card. The company has reported the status of my credit card as a charge off every month since XXXX of XXXX. An account can only be charged off once. They're also reporting the first date of delinquency as XX/XX/XXXX. How would that be accurate if it was charged off 2 years ago? When I disputed with Transunion, they simply updated the account as " closed ''. This is unfair and inaccurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and there is no third-party involved in this complaint. This complaint is about Equifax and the continued furnishing of false reporting of employment on my consumer report. The employer is no longer being reported by XXXX and XXXX ; it has been deleted from my account. Equifax reported back on XX/XX/2022, that it would be deleted from my consumer report per this Confirmation # XXXX. Please see attached documents for further information.
Product: Vehicle loan or lease

On XX/XX/XXXX I lease a XXXX XXXX XXXX from XXXX used XXXX I have the Vehicle Contract which has missing information on it the finance charges are double and hidden for a used car I agreed to pay {$16000.00} plus {$1300.00} which is a total of XXXX ( Not XXXX ) after a down payment of {$3000.00} XXXX ( not {$15000.00} ) Amount financed shows up XXXX with 20.51percent interest will be {$3100.00} which is a total of {$18000.00} total owing the car payment of {$470.00} XXXX payments paid {$12000.00} which should be a remaining balance of XXXX remaining ( not {$11000.00} ) double charges for financing hidden fee thats not reported on the purchase contract been asking for total price so I can get refinance with a different company but I keep getting the run around Credited acceptance is hidden finance charges which makes the contract Fraudulent there not reporting the amount to customers of their financed charges they what XXXX for a used car thats not right and they hide of the financing charges and set up is up to fail I contacted a lawyer and I will also contact the Attorney Generals offices in Pennsylvania XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 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 following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

Hello. I attempted to call IQ Data on XX/XX/2021 in regards to a debt I owed and advised to them I could not pay this full but wanted to make a payments and would pay them in lump sump payment, the representative informed me this was unacceptable, told me to borrow a loan and advised to them did not feel comfortable doing that since I was already in debt. Stated for me to sale items, even suggested to me would be in breach of contract and could cause serious legal action, damage my credit, including wage garnishment etc. I called back and asked for VP IQ Data and was transferred too someone named XXXX was incredibly rude as well and hung up in my face. This was a very bad experience for me. I want to take care of my debt but refuse to work with me while being rude, and threatening. When I would call back to get a reply they would continue to transfer me all around. Last contact advised will document call and hang up in my face.
Product: Credit reporting or other personal consumer reports

I've been disputing this since at least XXXX of XXXX with TransUnion. I have sent out letters via certified mail to first, ask if the debt was mine. Second, I asked TransUnion to verify the accuracy of the information in accordance with the FCRA, Section 611 A through D. I asked for TransUnion to delete anything that is not 100 % accurate. I then shared that inconsistencies were reported between the XXXX bureaus and listed them inside the mailed letter. The date of the last activity was incorrect, and I pointed out the mistakes to be deleted. It's worth mentioning that when I disputed the inaccuracies with both XXXX and XXXX, they were removed from my credit report as what was reported was not 100 % accurate. I then disputed online twice with TransUnion on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX dispute returned results as information getting updated.The XX/XX/XXXX dispute returned results that shared the information will be deleted from the report. When I asked TransUnion when I can expect this to fall off my credit report, they shared with me that the only way for it to come off my credit report, despite winning the dispute is A letterheaded document from the servicer/debt holder that shares that the information can be deleted from my report, mentioning all the accounts, name of acct, date was opened, and partial acct numbers. With this, I reached out to XXXX XXXX  XXXX as that's what is shared on my credit report. XXXX shared that the debt was transferred to XXXX, hence having it paid in full, and closed. These were reasons I shared in my dispute that XXXX was able to corroborate. They then shared they were going to file a dispute on my behalf and shared that I need to speak with XXXX  to see if they can get it removed from my credit report. I spoke with XXXX and they shared they informed TransUnion in XXXX that they are now the debt holders of my XXXX  loans but since the adverse information on my report didn't originate from them, they are unable to do anything about it. The timeline they shared in which it should've been updated to accurately reflect on my credit report was 60-90 days, and 2 years later, it is still reporting negatively on my report- despite having an investigation result share that it would get deleted. Despite the other bureaus removing it from my report since it didn't report accurately across all the bureaus. Even how it's currently reporting is inaccurate, which also shares that an investigation never happened as XXXX is the holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes to XXXX, Equifax, and XXXX  about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one account.