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

This is my fourth 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 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  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$3400.00} ; XXXX XXXX XXXX XXXX {$5400.00}.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

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 card

So, someone made an moneygram account using my information. don't know how did they obtain my information, debit card, address, email, full name and everything. 
they send {$290.00} using my card to XXXX XXXX, under my name to XXXX XXXX XXXX XXXX. i will be sending screen shots over.
Product: Debt collection

According to a filed action today ( XXXX ) Transworld Systems I ( a debt collector ) has filed a collection charge on my credit for {$150.00} on behalf of XXXX XXXX XXXX. I have disputed this with XXXX - however, I have never heard of this company. We live in California and have no connection to Ohio, or XXXX XXXX. We are trying to get a loan and this is all of a sudden on our record. I have never had a collection or late payment in 15 years and so this is a shock and a critical error. I called Transworld Systems I and they could not even find my information in their system, so I am not sure what to do? Can someone assist?
Product: Mortgage

XXXX XXXX $ fee was for fax payoff in early XXXX. I did not request this fax or a payoff. This loan will be paid off with a last payment on XX/XX/XXXX. My 30 year mortgage will then be paid and refund any remaining escrow account balance. Payments have been automatically deducted since XXXX, XXXX. Never late. 
The second fee of XXXX $ was for a special statement to be mailed to a different address. I did not request this special statement. I have no clue what it is. My statements have been online and prior to online paper statements, they were sent same address since XXXX of XXXX. 
I heard about these two XXXX $ fees when I was asking how the final payments are to be made when I called today, XX/XX/XXXX. These fees have never been disclosed or authorized, no clearly or properly disclosed. 
Bank of America Mortgage department said my monthly statements is where the fee were disclosed. I now see years later the disclosures are footnoted with XXXX $ XXXX and a number 2 Not very clear disclosures as it looks like the fee for a late payment if a payment were to be late. Versus a description of other fee in fine print. And hard to find on line. 
I have been a Bank of America customer since XXXX. I am requesting these two XXXX $ fees or XXXX $ be reversed. Bank of America mortgage department was either unwilling or could not reverse or waive them for the reason given that the fees are > than 12 months and too old. They have very little if any details on these two XXXX $ fees. 
Thank you. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX THIS IS A ACCOUNT THAT DOES NOT BELONG TO ME. 

I HAVE FILED A THEFT REPORT AND SENT TO THE CREDIT REPORTING AGENCIES.. 

EQUIFAX AND XXXX NEED TO REMOVE THIS FROM MY FILE. 
IT HAS A XXXX BALANCE. I HAVE NO IDEA WHO THIS ACCOUNT BELONGS TO AND ITS STOPING ME FROM GETTING A NEEDED MEDICAL PROCEDURE. I WILL MOVE FORWARD WITH LITIGATION IF THIS IS NOT REMOVED.
Product: Debt collection

After winning two civil suits against my former landlord, XXXX XXXX, and XXXX XXXX, I experienced retaliation in the form of damage to my credit. Specifically, they reported an amount of approximately {$38000.00} to the credit bureau, despite two XXXX XXXX judgment orders indicating that I owed them XXXX dollars. This has had a significant impact on my financial standing and I am seeking assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that do not belong to me
Product: Credit card

I 'm sending this complaint to Consumer Financial Protection Bureau because on XXXX XXXX and XXXX XXXX, 2016, though I had never charged {$1900.00} on my new CITI credit card, some Unknown CITI Investigator - or process - had entered that unauthorized {$1900.00} charge - and now, since I 'm refusing to pay, CITI will : 1. After Friday, XXXX XXXX, expect their " Fraudulent {$1900.00} Ransom Charge '' ; 2. After Friday, XXXX XXXX, expect interest on their Fraudulent Charge ; XXXX. On XXXX XXXX, charge an outlandish interest rate - 29.99 % as a penalty ; XXXX. On XXXX XXXX, charge late fees as a penalty. 

Since COSTCO 's XXXX XXXX, 2016 transition from an XXXX card to a CITI XXXX card, I - an XXXX year old -- have been dealing with financial torture - and COSTCO is at the center of it all. 
XXXX claims that it sent a {$1900.00} FRAUD case on my account to CITI - but CITI refuses to accept it as fraud. If we had stayed with XXXX, they had promised that by XXXX XXXX to totally remove that value from my account. 
But on XXXX XXXX, 2016, CITI in 2 separate letters on that same day blamed XXXX - and my wife while without remorse posted a {$1900.00} FRAUDULANT VALUE on my new XXXX account - and that value is greater than my monthly Social Security check. 
When CITI accepted the hand off of charges from XXXX, XXXX had already flagged that {$1900.00} as unauthorized and removed it from my balance - but on XXXX XXXX CITI improperly posted that value as authorized - and so, CITI ca n't seem to honestly address their accounting issues, which has put us in an uncomfortable financial tight spot. 
As far as I 'm concern, CITI has twice committed an act of Fraud - and COSTCO has been a behind-the-scenes compliant party to this financial fiasco - and what I consider unethical acts. 
If COSTCO had asked us whether we wanted to move from an XXXX card to a CITI VISA card, we would have stayed with XXXX because we have another XXXX card, which causes me some confusion. But COSTCO never gave us that opportunity of choice. COSTCO decided to move their consumers from XXXX to CITI 's XXXX card without any consideration of us. 
Now, after COSTCO behind closed doors collaborated and made some unknown agreements with XXXX, CITI, and XXXX, on XXXX XXXX, 2016, COSTCO just dump the untested consequences of their efforts on their members, which has caused me to waste too much time and energy in dealing with the mayhem of XXXX credit cards not working ; of twice needing to have credit cards reissued ; of being unable to reach CITI for many days - and of being unable to close XXXX FRAUD CASES because we never knew what COSTCO had agreed to with its cohorts.
Product: Credit card or prepaid card

Received a text message that a credit account was opened at Bank of America under my name. I do not have a Bank of America account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I report these accounts as fraud due to identity theft. It was taken off my credit report a few times and that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Santander marked XX/XX/XXXX on my XXXX report. I tried to contact Santander directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact  Santander. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC receives my mortgage payment every month, but sometimes it has been late. I have attempted to get the due date changed by PNC, and PNC has refused to change it. Now it has put an inaccurate balance of more than XXXX on my credit report for late fees. Again, my mortgage is paid every month and PNC is simply refusing to work with me to change the due date and now it is purposely trying to ruin my credit. Indeed, during the 2019 Federal Shutdown, PNC refused to work with me on paying the mortgage late even though I was not receiving a salary and the Federal Government guidance was to forego late fees and not to implicate my credit reports. PNC ignored Federal guidance.
Product: Mortgage

My Account is in Active Forbearance due to COVID-19. I am scheduled to come out of forbearance in XX/XX/2021 but Flagstar is continue to report that I owe property taxes. I am a 100 % XXXX Veteran and do not have to pay property taxes. I want to make sure that when I go back to making payments, that they adjust how much I really owe because if not, then it is going to cause a lot of problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE Reported : XXXX XXXX, 2020 {$0.00} Closed + In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont even have the exact dates because thats how unprofessional Chase representatives are, I had the chance to deal with XXXX who worked at the mortgage lending department of Chase. We decided to apply for a mortgage and she was the one helping us out she had no idea what she was doing it seem like it was her very first application, she took down all my information pulled my credit seemed very confident in the work that she was doing and now its been over a month and she has disappeared. We never got her contact information as promised like she said she would forward to us and we have had not the opportunity to reach out to her because no one knows who she is! She pulled our credit, we had over XXXX scores and then ignored us
Product: Debt collection

Filed Dispute in XX/XX/2021 for account with Midland Credit XXXX. Never heard back from them until XXXX XXXX with a debt verification letter. Multiple calls since XXXX XXXX in an attempt to settle account and have it removed from my credit report. Midland refused to settle. I have called multiple times on XXXX XXXX to settle debt and speak with a division manager in which I was given false names and transferred many times to departments in which Customer Support XXXX XXXX XXXX XXXX were unable to find my account based off both accounts numbers given to me in the debt verification letter. MCM # XXXX and the XXXX XXXX # XXXX. Furthermore, upon settling debt Midland refuses to remove collect from my report until XXXX XXXX in which they state their policy is to not remove collections before it has been in the report for two years. There are many long pauses and everyone is giving varying/faulty information. After each phone call Midland adds additional negative comments to my reports after each phone call. Also after speaking with them MANY times since XX/XX/2021, it was only today XXXX XXXX that they state possible legal action on my account. I never received a call or letter in the mail in regards to legal action. Further more they claim to have sent this legal letter in XX/XX/2021 but to my previous XXXX  address. This seems weird to me as they sent the debt verification to my correct XXXX address.
Product: Credit card

On XX/XX/XXXX, I was surprised to discover that Apple Card had decreased my credit limit without any prior notice. The company insist I was notified by email prior but as of XX/XX/XXXX I have still yet to receive any correspondence from Apple Card. I have requested the company submit documentation verifying prior notice was communicated which they have refused. In speaking with a Apple Card Specialist I was advised this action was taken in response to a charged-off account that was reported to XXXX on XX/XX/XXXX. I want to emphasize that I have maintained a strong payment history with Apple Card, never missing payments, and consistently paying more than my minimum required balance. 

The sudden reduction in my credit limit not only caught me off guard but has also posed financial challenges. This reduction could potentially lead to an increase in my credit utilization, which, in turn, may adversely affect my credit score. The domino effect of a lower credit score could lead other lenders to perceive an increased risk and subsequently lower the limits on my other credit cards. This situation is a cause for concern as it can have lasting consequences on my financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX XXXX XXXX, IL XXXX and lastly there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collector accepted an tendered negotiable instrument for the amount owed of XXXX to the principal on XXXX XXXX well as the CFO of property management accepted on XX/XX/year>. Both received an tendered negotiable instrument in which the agent on behalf of the principal instructed both agencies of what to do with the negotiable instruments balance for set-off performing the contractual obligations. The contract has been breached and inaccurate information of a payment due is continuing to be reported to the consumer reporting agencies harming the principal 's reputation violating 15 USC 1692 ( D ) 1. The agent on behalf of the principal has called to try to solve the issue and sent multiple notices informing the breach and violations. The agent on behalf of the principal has been called derogatory names ( sovereign citizen which he is not ) due to wanting to utilize his rights. Matters of concern referencing 15 USC 1692F of unfair debt collection practices has arose due these aforesaid matters.
Product: Debt collection

This complaint is about ATG llc, this company is horrible, and they break the law big time, I guess ATG Rep and Manger think there above the law and I'm asking CFPB to conduct and investigation into there conduct. CFPB by getting phone recordings. I told ATG that I'm the original creditor of the account and they refuse to listen. They say there representing XXXXXXXX XXXX and say they are the original creditor. This company and workers are deemed to know the law if ATG is say they follow FCRA, I am the creditor of that account, every loan, debt obligation or extension of credit is originated from from my social security number. Refer to 15 usc 1602 ( I ), so basically XXXX XXXX XXXX is using my credit and say I owe them as in XXXX XXXX. ATG is not looking out in the best interest for the people. By giving out false information 15 usc 1611. Also in violation of 15 usc 6802- ( A ) and 15 usc 1692 c ( a ) also a violation of my 13th amendment trying financial slavery my 5th amendment. Life, liberty and due process
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX ) # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS RESPONSIBLE FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT. 

UNDER US CODE 1681C-2 THESE ACCOUNTS SHOULD BE REMOVED AND OR UPDATED. 

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

This account has been closed and requested to be deleted per the collection agency. I requested a copy of my credit report and this account still appeared. I contacted the collection agency and requested to speak to a supervisor she informed me that this account was requested to be removed prior to XX/XX/2023. I informed her that it had not been deleted and that Equifax in fact reported it as still open with a balance XX/XX/2023. She then informed me that it is out of their hands because they requested it and its up to the bureau to remove. This is causing adverse action and wish to have this deleted asap. see proof of deletion attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Account # XXXX numerous times over the last 6 months directly with the CRA 's ( Equifax, XXXX, XXXX ) for inaccuracies to which there was no real investigation performed as I've always been sent a generic " validation '' letter in response. The CRA 's ( Equifax, XXXX, XXXX ) and original creditor ( Family LA CO ) are in violation of Section 623 of the FCRA for not updating the status of the account within 30 days of receiving my written disputes. All 3 CRA 's ( XXXX, Equifax, XXXX are still reporting the " Dispute Status '' as " Account Not Disputed '' which is clearly inaccurate per the letters attached which are dated back to XX/XX/22 and as recently as of XX/XX/22. I want monetary compensation in the amount of {$1000.00} per violation for the damage these blatant inaccuracies have caused me. Other violations include 15 USC 6802a, 15 USC 6801a, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681a ( 2 ) ( i ) and civil liability for wilfull noncompliance under 15 USC 1681n.
Product: Debt collection

I am not authorized to pay XXXX XXXX XXXX XXXX. I have not signed contract with this company