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

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE item on my personal profile, I noticed that there was an : Account : Bankruptcy XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 

A copy of my Bank statement, drivers license, and XXXX Form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Equifax and XXXX 's data breach, and was not notified by Equifax and XXXX 's of data breach breach and discovered on my own. I reached out to Equifax and XXXX several time including via certified mail and never received a response back. The damages due to this serious action has left me vulnerably exposed to dangerous predictors and has caused me a extreme financial hardship due to my information that was compromised and used for open credit accounts, telecommunication services and fraudulently used to claim and report government benefits.
Product: Debt collection

I am writing to formally notify you that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( d ) and 1692 ( cc ), regarding the debt you are attempting to collect from me. This debt, associated with Navy Federal Credit Union and identified by account number XXXX, has been the subject of my prior communication regarding debt validation. 

I would like to bring to your attention that per IRS regulations, a charged-off debt is treated as income, and a Form 1099-C must be issued when a debt is forgiven or canceled. I have not received such documentation in association with this debt, which is a violation of my consumer rights. Furthermore, the inclusion of income due to charge-offs on a consumer 's credit report contradicts 1681 ( a ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act.

I requested a copy of the Forward FLOW AGREEMENT and the original signed contract that indicates my obligation to the original creditor Navy Federal Credit Union.

Also information on whether any insurance claim has been filed against this debt. ( a ) Many creditors carry insurance policies to protect against bad debts, known as " debt insurance '' or " credit insurance. '' If the creditor has such insurance, they may file a claim after a debt is deemed uncollectible. ( b ) If an insurance claim is filed, the creditor may receive compensation from the insurance provider for the portion of the debt that is lost. This generally would not affect the relationship with a secondary creditor unless there are provisions in the sale agreements that address the matter. ( c ) Understanding that the original creditor may have sold or transferred this account to your agency, I would appreciate any documentation pertaining to the transfer of ownership and the original account status.

Proof of the chain of title that grants XXXX XXXX XXXX XXXX XXXX XXXX XXXX the authority to collect on this debt, including any transfers from Navy Federal Credit Union to your agency. ( a ) The original agreement or contract establishing the debt. ( b ) Documentation of any assignments or transfers of the debt, showing when and how ownership was transferred to your agency. ( c ) Any additional records that affirm your authority to collect on this account. 

Confirmation that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is licensed and authorized to collect debts in the state of Texas, as verified against the XXXX XXXX XXXX XXXX ( XXXX ) and proof that the debt hasnt passed the statute of limitations. 

A full detailed list of the payment history associated with the debt. 

I also want to highlight that I did not authorize the original creditor Navy Federal Credit Union to sell my personal information or transfer my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX This unauthorized transfer, along with the lack of proper documentation, constitutes a violation of my consumer rights under the FDCPA, including :
Product: Credit reporting, credit repair services, or other personal consumer reports

I terminated my bundle services with XXXX XX/XX/XXXX. I had no more dealings with them after this. I didn't speak with them. I didn't sign anything. I didn't pay them anything except whatever was the final amount due on my XXXX XXXX account. My wife later signed up for their internet only services to run her firestick. In XX/XX/XXXX, I bundled our services with XXXX. My wife terminated the internet only agreement with XXXX around this same time but XXXX argued that she entered a contract and an early termination fee applied. I got involved and asked about this. I was told by the XXXX  rep and others that internet only services don't have contracts so I disputed it with XXXX. No XXXX rep could show me " contract '' language for internet only services. I filed a complaint with the Atty Gen. Office in XXXX. The Atty Gen. Office said they couldn't force XXXX to do anything and closed the case. I called XXXX again. A rep showed me some language that looked contractual so, instead of continuing the debate, I made the payment. I'd like the payment reimbursed since there should have been no contract with my wife. Also, they placed the account in collections and on my credit report while it was being disputed. I didn't enter into any agreement or contract with them nor did I have any dealings with them on this internet only agreement at all so nothing about this internet only agreement should be on my credit report. I was totally surprised when I saw that on my credit file. I'd like that derogatory item removed from my credit report. I have no other blemishes on my credit report. I was never late paying them over the many years I had their services just like I pay all of my other bills on time. This move was a very nasty and unnecessary move on their part. It unjustly adversely affects my credit score. First, my payment history with them on the XXXX services bundle I had with them for so many years is excellent as is it with all of my other bills. Second, the item in question was being disputed so this bill should have been frozen during the short period of time it was being disputed with them. Third, I did not enter into any arrangement with them ( no dealings whatsoever on this internet only matter ). Lastly, I've been advised that XXXX should not have been able to bait my wife into a contract for internet only services unknowingly so I'd like them to reimburse that payment to me that I made on behalf of my wife. Transunion has already deleted the errant blemish from their file/report. Thanks.
Product: Credit reporting or other personal consumer reports

In a past my information was stolen through data breach at XXXX XXXX XXXX XXXX. 
After that I was receiving letters from different creditors that someone is applying under my name to obtain credit and services. Last year I checked my credit report because I was trying to lease a vehicle and a dealer informed me that I have XXXX collection accounts under my name. The collection agency name is XXXX XXXX XXXX. XXXX account is for {$2600.00} and the second one is {$8000.00}. I have contacted this collection agency and they have requested a FTC report. I got that report and forwarded to XXXX, XXXX XXXX and Equifax. XXXX and XXXX XXXX verified this information with a collection agency and deleted those 2 accounts. It has been about 5 months but Equifax Bureau is still refusing to delete these fraud related accounts from my report. I have tried to contact Equifax several times but they are putting me on hold for 30 -40 minutes and hanging up on me. Right now this is my last attempt to complain on them and I will open a lawsuit against Equifax.
Product: Debt collection

I called XXXX XXXX XXXX XXXX. I asked them about the debt I owed, but XXXX XXXX couldn't even provide it.
Product: Credit reporting or other personal consumer reports

My account was compromised, I was told the fdic XXXX fraud liability would protect me from the fraudulent charges. The company took well over the allowed time to resolve the issue still billing me illegally. This fraudulent charges were then reported as late payment on my consumer profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an Identity Theft report and asked the bureau to block the fraudulent information on my credit report. I have submitted the required documents including the FTC Identity Theft affidavit. In response I received a letter telling me they refused to block the fraudulent information. I have literally lost a job opportunity - DURING A GLOBAL PANDEMIC!!! - where the job offer was rescinded because of this fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on my alerts through Equifax that a new credit collection account is appearing on my account at Equifax,  XXXX  and  XXXX  on   XXXX   XXXX   XXXX     with  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates   XXXX   XXXX   XXXX     which is in the future. Second, I do not have gas service at my present location and have been at my present location of   XXXX   XXXX   XXXX   for over a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on   XXXX   XXXX   XXXX     and ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX, Inquiry XXXX CO, Inquiry XXXX XXXX, Inquiry XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, Inquiry XXXX XXXX XXXX, Inquiry XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A States I have the right to priv
acy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant has since last year been repeatedly changing the payment status on an older, closed account on my credit report. The changes have done damage to my credit score via XXXX and have been performed at least once a month, with one change on XX/XX/XXXX having resulted in a 70 point drop to my credit score. ( Please see attached document ) I've disputed with XXXX without result.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me
Product: Debt collection

This deleted been deleted from my XXXX from my credit report this information is affecting my credit score across all platforms and demand this be deleted on all credit bureaus under ( FCRA ) 15 usc 1681 ( I ). Metro ( E-OSCAR )
Product: Credit reporting or other personal consumer reports

I went online to XXXX, and they said that there would be no credit pull for trying to be preapproved. I went through all that and come to find out they pulled my credit every day for about three days as hard pulls! I tried calling them, Ive emailed them and I sent a letter with tracking ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ). And NO contact back!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting an erroneous late on my credit file for XX/XX/2020. I was never late!!! This is a charge off that I paid off. I should not have any recent lates reporting. This is a violation and I am requesting that Ally fixes this immediately.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding FCRA violations on my credit report. After disputing XXXX XXXX - XXXX last month, the account was removed but has since been re-added without prior written notification, which is required by law. 

Additionally, XXXX  XXXX - XXXX is still reporting a balance, despite having been sold to the same collection agency now reinserted on my report, leading to duplicate reporting. Both accounts must be removed due to inaccurate and misleading information. 

XXXX also failed to validate this information as accurate within the 30-day FCRA dispute period. Please correct this promptly to avoid further action. I have attached proof that the account was deleted and re-inserted. 

Please reference XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXXXXXX XXXX XXXX, Experian, and XXXX XXXX XXXX XXXX. XXXX XXXX ) where courts have upheld consumer protections under the FCRA related to re-insertion without notification and double reporting.
Product: Credit reporting or other personal consumer reports

i have sent reports and disputed. they didnt do anything
Product: Credit reporting or other personal consumer reports

I am the victim of Identity Theft. I recently checked my credit and noticed that fraudulent accounts, inquiries and personal information has been placed in my consumer report. I have included a FTC report stating all the fraudulent information I have been able to find so far including Inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX, I received notification of a hard inquiry made on my credit by Citibank, listed as : CITICARDS or CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX My XXXX  credit report states, " CITICARDS obtained a copy of your XXXX Credit Report. 
A lender has requested a copy of your Credit Report for an installment loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. '' I made no request for an installment loan from this bank. Either someone else has instigated such a request with this bank using my identity, or the bank took it upon itself to perform a hard inquiry without my request, permission, or knowledge.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/2022. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my PayPal account was hacked by a " XXXX XXXX '' for {$580.00} XXXX times. I immediately called PayPal and told them that I had did not make these purchases. The person that I talked to understood and was able to refund two of the {$580.00} totally {$1100.00} charges but told me that they had to investigate the other two charges. I was told that I would hear from them in 3-5 business days. After I spoke to PayPal I contacted my bank, because that was a suggestion made by the PayPal rep. They opened their own investigation on my behalf and locked down my account. On XX/XX/XXXX, I received a letter from my bank stating that their investigation was complete and they determined that the transactions were not authorized by me and that they would deposit the {$1100.00} back into my account. Which would put my bank account back to where it was before I was hacked. I went into PayPal to close my account and found that they were holding me at a negative balance of {$1100.00}. I contacted PayPal and asked why they were saying I owed them money. They didn't have a good answer other then I owed them money. I went to my bank and was told once their investigation was closed that there was nothing that they could do. I made copies of the letters from my bank, copies of my bank statement showing the in and out of money as well as my transactions through PayPal and sent it to PayPal. I received an email once PayPal received my letter stating that they would look into it and like before was told 3-5 business days for an answer. Literally within an hour I had another email stating their investigation had determined that I had in fact made those purchases and owed them the balance of {$1100.00}. Yesterday I received I letter from a collection agency. I did not make any purchases from a " XXXX XXXX '', I did what I was suppose to do when faced with hacking and I contacted PayPal immediately. We use these companies because they are suppose to have safe guards to keep their customers safe and yet they're coming after me when I did nothing. Sadly I do not believe that I am the only person that this company has done this too, a little internet research showed others have had to fight as well. They are a huge company making millions, I am not, I need help getting this issue resolved.
Product: Credit card

I believe the following accounts are invalid. CREDIT CONTROL , LLC DBA CREDIT CONTROL XXXX XXXX XXXX XXXX needs to verify under oath that these claim are valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the accounts to be removed from my credit & their records. CREDIT CONTROL , LLC DBA CREDIT CONTROL XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper has an escrow account for my mortgage and performs and escrow analysis on my mortgage annually. 

Missouri real estate taxes are due XX/XX/XXXX of each year. Mr. Cooper has been making the payments early, in XXXX. This artificially creates a deficit in my escrow account in XXXX ( a deficit for escrow analysis 2times monthly payment purposes, still a positive balance ). They have only provided a notice from their vendor, XXXX that created an artificial XX/XX/XXXX due date. They actually paid XXXX XXXX on XX/XX/XXXX. They have chosen the XX/XX/XXXX due date instead of paying 10 days before the economic loss date. 

If Mr. Cooper waited till XXXX to remit the payment I would have an escrow surplus. They have artificially created a deficit for multiple years in a row, resulting in a higher monthly mortgage payment. In turn Mr. Cooper receives extra interest on all the escrow account balances because they are choosing to pay early to create deficits in consumer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft is the intentional use, possession, transfer, or attempted use, with fraudulent intent, by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I was denied credit by Ally Bank due to XXXX , XXXX credit reporting. 
However, I did purchase the vehicle finance by another Bank. XXXX , XXXX is not a legitimate Credit Reporting Company and should be prevented from access to personal financial information.
Product: Mortgage

I applied for a loan modification after being denied a few months prior, and the reason I was told I was denied was because it had not been 5 years since the modification had had before, know that the 5 years is up a reapplied again, to only get denied again being told I can know afford the home know, which do not make sense, my hardship was prior to me being able to afford the home know. I have a valid reason to why I fell behind due to loss of income.
Product: Credit reporting or other personal consumer reports

Requested all unauthorized inquiries be removed from my account