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

on XX/XX/2021 sent all major bureaus, XXXX XXXX XXXX my affadavit regarding ID theft seeing unauthorized accounts on file. Also, these accounts are reporting negative information on my file. Lets start with Experian : FCRA 623 ( a ) ( 7 ) Negative Information In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative, in writing, to the customer.

( B ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 clays after, furnishes the negative information to a consumer reporting agency described in section 603 ( p ).

( 1 ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosure provided under section 127 ( a ) of the Truth in Lending Act.

I have done my own investigations and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. You are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 


Name of Account Account Number Provide Physical Verification PDQ Services INC XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX XXXX {$220.00} Fair Collections & Out XXXX {$180.00} XXXX XXXX {$540.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : 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 XXXXXXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian atleast 4 letters about deleting extra addresses on my credit report that does not belong. I have sent proper ID ( DL, SSN Card, Bank Statement ) and they still refuse to remove those other addresses because they claim they are connected to Collection/ChargeOffs on my report. 

How did you verify these accounts : XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX I would like to know who you talk to
Product: Mortgage

Can someone please help us! 
My wife and I must be truthful and our credit scores are less than bad. Also about two months ago we received a modification on this home we 're in now. This has been a nightmare but while I was on military XXXX. 

I was approved to be under the Soldier and Sailor act. 
This lowered, credit cards and our mortgage payments. Unfortunately this mortgage company later wanted to know who was going to pay the difference in payment cost. 

We tried to explain but was met with no aval and they placed the difference onto our loan balance of our loan. 

Which we were unaware until many months later. So after going back and forth with the mortgage and still being on XXXX XXXX and away from home. Our loan was moved to another mortgage company ( Ocwen ), until we attain the modification. 

Unfortunately this is still showing negative on our credit history. How in the world can our government system, allow these companies to ruin families. We are honest people and we hope someone can help. Thank you in advance ; my contact information is XXXX ; XXXX Thank you,
Product: Credit card

Dear Chase, I am writing to ask about a recent Chase Travel offer. I signed up for the {$100.00} cash back offer on my Chase credit card ending in XXXX in XX/XX/year>. Then, I made XXXX purchases worth more than {$500.00} on Chase Travel online portal on XX/XX/XXXX and XXXX, XXXX. 

The offer said I could get {$100.00} back if I spend {$500.00} or more on chase travel online porta by XX/XX/XXXX. I thought I would get the {$100.00} back in 14 days. But when I called Chase twice, they said I needed to make XXXX purchase over {$500.00} to get the cash back. 

I didnt know I had to make just XXXX purchase. If I knew, I would have combined the XXXX purchases. 

I have been a Chase customer for a long time, and this is the first time Im having a problem with my Chase credit card. I hope Chase can give me the {$100.00} cash back. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on equifax credit report. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report Number XXXX, Report NumberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain today and I know that you have enough time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for you to correct these following accounts : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.
Product: Debt collection

i am being sued on an account for XXXX XXXX by XXXX XXXX. I lost my job. i contacted the attorneys office in XXXX after mailing my separation notice to see what my next steps were. Spoke to XXXX who advised me i was ahead on my pay schedule from making an extra payment in XXXX. advised her i would touch base in XXXX. a lien was placed on my bank account days later. the attorney has garnished ALL of my unemployment benefits which are not enough to pay my rent. I would have come up with the payment had i known they were going to take everything. i called and asked if not being able to make a payment meant that my unemployment would be garnished. i was advised they usually send garnishment to employer, but i did not have an employer. was told when i called in XXXX to touch base and make a payment when i could. i was mislead. i tried to call the attorney to discuss. was upset as i have no grocery money now and am a single parent with no support. XXXX hung up on me and XXXX  placed me on hold to review my payment history. she never came back to the phone. i stayed on hold until the sytem hung up on me. i have called back and they are ignoring my calls. i have left messages that are also being ignored. i have to work this out with them but they are not talking to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, Transunion and XXXX with no successful resolution. XXXX, XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX at XXXX est i called transunion credit services and spoke to XXXX in the usa, to Inform them i was aware of inquirys on my credit report that where deleted from a glitch a while back they had and deleted my inquirys on my report and now they put them back on my report and some others i never made, i told them i know my legal rights and legal protections and that they failed to notify me in writing XXXX days prior to re-adding the inquiries to my report that they were intending to do so. I Demand that all of the inquiries be deleted for this reason and this reason alone from my TransUnion report. My transunion report #
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Credit Collection Service for an old XXXX account. I am disputing the validity of this collection and the reporting of it because while I did previously have a XXXX  account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. 

To date, I have not received a call, text, or email stating that there was an outstanding balance. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Debt collection

I was billed this amount even though I closed my XXXX accout before the next billing cycle. I do not owe this amount. I have talked to XXXX on several occassions. They agreed they would dischare the amount that XXXX do not owe if I resumed my cell phone service with them.
Product: Credit reporting or other personal consumer reports

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired On XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY EQUIFAX IGNORED MY IDENTITY THEFT AFIDIVIT FOR FRADULENT INQURIES! THIS IS AGAINST THE LAW! I DESERVE COMPENSATION AND REMOVEL OF THE FOLLOWING INQUIRIES. 

XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

my husband had a XXXX XX/XX/XXXX. our lender was required by law to work with us and gave us a loss mitigation for 12 months. as soon as my husband was able to return to work before the 12 months was up, they sent us a nasty letter demanding over {$7000.00} in back payments and over {$2700.00} for some terrible very expensive insurance they purchased, when it was due to their incompetence that our good insurance in escrow had gotten dropped because they kept paying it late, causing there to be alot of late charges and increasing the overall cost of the insurance. but that 's a secondary problem. after a loss mitigation loancare/XXXX- was suppose to have offered us a payback agreement arrangement or give us a modified loan which would have put the missed payments onto the end of the loan, which we mistakenly had believed they had already done. but they offered us nothing. they sent the letter dated XXXX XXXX, but we did not receive it until XXXX, and the deadline to file an appeal they set on XX/XX/XXXX. so we barely had any time to file an appeal. i managed to hand write a very sloppy one and get it mailed on XX/XX/XXXX. what they have done is to invalidate the entire loss mitigation purpose. they knew we did not have an extra {$9000.00} at that point just lying around to give them. they were angry at having to give us the loss mitigation in the first place. but this has to be a violation. they also XXXX so his credit rating has become so poor, that when we tried to get new house insurance there was n't one company that would pick us up anywhere! suddenly due to conditions beyond his control, and after never before missing a mortgage payment, or filing a house insurance claim of any kind, he was such a high risk as to be completely uninsurable! this company is disreputable and should be put out of business, they started foreclosure proceedings after wer were late once by five days with our payment. when we tried to make payments twice they refused to take our money, yet they keep sending letters stating we are now two payments behind, but they wo n't take our money. then we found out they have refused to put our XX/XX/XXXX payment on our loan. so they have our {$540.00} just floating around somewhere. they sent us an apology letter, saying they had meant to tell us our new payments were {$700.00} but they were still foreclosing! now my husband is a veteran and we had been working with the va home loan program and were told they would refinance our mortgage if loancare would remove all its demonizing and libelous bad credit reporting, we did not miss any payments. we had a loss mitigation and kept up with all that was required of us for almost a yr. during a very difficult time in our lives when we did n't have XXXX cents to rub together! this negative credit reporting is obviously just done by robo computer program. its not as if XXXX just decided one day to quit making his house payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX XXXX  Experian XXXX  Account # : XXXX XXXX XXXX Balance : {$230.00} {$230.00} {$230.00}
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NCB MANAGEMENT SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.
Product: Debt collection

THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.
Product: Debt collection

I advised Choice Recovery that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They initially removed the debt then added it back. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I want this {$25.00} collection removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
Product: Debt collection

I am receiving repeated phone calls weekly by the debt collection company stating that I owe money on the furniture I purchased roughly two years ago. I have explained to the debt collector that most of my furniture was paid in cash and some of it was financed on the credit card the furniture store had issued. we have sent the statements reflecting the payoff of the credit card. the debt collector in return sent me a itemized list of the furniture but fails to show any proof of what exactly is that we owe money for? I have paid of the credit card the furniture was purchased from and why am I being reached out by a collection ageny after two years of the purchase? why did Ashley furniture not contact us in the past two years? I am 100 % certain my debt if paid in full and if its not I will like the debt collector and Ashley furniture to provide proof of what exactly it is that I owe the money for. not just a phone call stating I Owe money but not knowing what for.
Product: Debt collection

Calvery Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX My credit report shows a credit account not paid opened in XX/XX/XXXX of XXXX for {$1000.00} from some XXXX XXXX XXXX. I have not opened any credit accounts in XXXX and XXXX XXXX XXXX already shows up from XXXX after I became unable to work. I called the XXXX number above and she stated I would have to talk to their lawyers and would give me no information I believe they may be trying to collect a debt another company or sister company is already reporting and Im trying to get to the bottom of this.
Product: Prepaid card

purchased egift card purchased from Paypal Digital Gifts on ebayXXXX website was XXXX out. the egift card was for {$100.00} XXXX gift card. 

Item # XXXX Purchased on XX/XX/2016
Product: Credit reporting

Credit bureau was contacted due to unauthorized inquiries placed on credit bureau. I have been a victim of fraud and it is noted with the bureaus. I was not contacted as instructed in the report data base by any organization. As followed XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX. Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX