23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My identity was fraudulently use to open an electric utility account at : XXXX XXXX XXXX XXXX XXXX, TX XXXX from XX/XX/XXXX to XX/XX/XXXX with a company called XXXX XXXX XXXX ( aka XXXX XXXX ). Im XXXX resident and have lived at my current home address in XXXX since XX/XX/XXXX. I have never lived in XXXX Texas nor do I have any idea who used my information to open this account. The issue described here resulted in the utility company to persuade the money owed to them for the use of electricity totaling {$980.00}. Since the person that used my identity did not pay the bill they have sent it to collection with a company called Transworld Systems Inc and I now have a derogatory remark on my credit report, which cost me dearly. I have submitted supporting document to the collection agency ( Transworld Systems Inc ) including police report, utility bills from my actual address in XXXX, Oregon but they haven't remove the collection from my credit report.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors 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 those account 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.

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, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; 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 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

I mailed disputes to XXXX credit bureaus all on the same day. XXXX has completed my dispute. XXXX and XXXX are in process. I get a letter from Trans Union stating it didnt appear I sent the dispute. Im unsure why. I called and verified my info now they want me to create a new dispute and the agent verified he had a copy of the letter I sent. There would be no reason for me to send an additional dispute I sent a dispute with a copy of drivers license, social security card, and current bill with address. They received letter XX/XX/17 and their time to complete the dispute shouldnt be extended.
Product: Credit reporting

Equifax Credit Bureau is incorrectly reporting that I was 30 days late for XX/XX/XXXX on my XXXX account. 
Equifax Credit Bureau is incorrectly reporting that there is no data for the on time payment made for XX/XX/XXXX on my XXXX account. 
This incorrect information is causing financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX, and XXXX XXXX XXXX,
Product: Prepaid card

I need to get my unemployment funds off this Nevada XXXX card into my overdrawn checking account from XXXX. I have spent all morning calling Zelle and XXXX in trying to get money into my account so that they don't tack on a {$29.00} overdraft fee with no success. If the states are going to these payment/debt cards they need to make it easier in having the funds directly linked to bank accounts etc. I am computer literate and this whole process has not been thought out properly by the states implementing these cards and the banking system. In the mean time I am racking up overdraft fees.
Product: Student loan

I have XXXX XXXX XXXX. When my XXXX XXXX is high or low I lose my abilities to see clearly and comprehend what I read. I have come to rely on my auditory senses more and more as my health has started to decline. Because of this I have come to rely on the customer service representatives I speak to. 

I was told about Public Service Loan Forgiveness in the Fall of XXXX. I graduated in XXXX of XXXX. I worked with XXXX XXXX as my sole source of information to repay my loan. I was lead to believe that I was enrolled in this program beginning in XXXX and I have made payments each month on time. I call each year to make sure I am keeping up with everything I need to do so that my loan with be forgiven. This is very important to me since I am a single mother with a XXXX. 

Several years later, a coworker suggested that I ask about the XXXX loan forgiveness program and I did. When I called I asked specifically if this would affect the Public Service Loan Forgiveness Program and I was told it would not. I applied for this and it was paid toward my loan. I was told it would reduce the amount of my entire loan and the Public Loan Forgiveness Program would pay less. This {$5000.00} did not benefit me as my entire loan would have been completely forgiven anyway. At this time, I had no information outside of what I was being told. 

During another call I asked if I needed to complete an application for the Public Service Loan and was told it wasnt necessary until XXXX XXXX. I decided on my own to do this and have sent in one complete Employment Certification. During this process no one mentioned how one impacted the other. 

At some point in time my loan was handed over to FedLoan. I have continued to call multiple times each year to make sure I was on track for my loan to be forgiven. I asked specifically in XXXX about my number of payments and was told there was no problem it would be repaid in XXXX. My due diligence was performed when I asked about the XXXX loan forgiveness and with each call I have made since XXXX. Not one person explained that the XXXX Loan Forgiveness would impact the Public Service Loan Forgiveness until I asked about my number of payments In XXXX of XXXX. Having spoke to FedLoan, I called XXXX Services and basically, Fedloan claims it was XXXX 's fault that this was not explained to me and vice versa. I requested a customer service supervisor from FedLoan to call me on my cell phone and I was never contacted. 

If I had access to this information would never have agreed to the XXXX Loan Forgiveness. I asked but was not made aware that the year of services and the number of payments would be affected. In short, five years and 60 payments have been taken from me without my knowledge or consent. I even asked this about this directly and was told it would not affect the Public Loan Forgiveness at all. 

I should have 10 years of public school service this month with 120 faithfully made payments in XXXX counted toward forgiveness. If I had been told of the implications, I never would have agreed to the XXXX Loan Forgiveness. This did not benefit me at all.
Product: Debt collection

I sent a validation letter to XXXX XXXX regarding a chargeoff. I asked them to explain the amount owed. They didn't. In order for a contract to be valid, there must be fees associated with it. I don't know how XXXX XXXX came up with the balance or if I even owe the debt. They have not sent me a thing to validate it. 


Also Transunion, XXXX, and XXXX continue to report a debt that they didn't verify themselves. Courts said that they can not parrot information. They have to do their own research. Reporting inaccurate information is a violation of the FCRA
Product: Debt collection

I sent a letter to this companyXX/XX/XXXXonline information services for them to verify that this is my debt and why I owe this debt and what it is from. It is for {$96.00}. It is now XX/XX/XXXX and I have not gotten a response from this collector for verification that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting does not belong to me. It needs to be deleted immediately. 

XXXX XXXX in the amount of {$520.00} from XX/XX/2011 XXXX XXXX Acct # XXXXXXXX  These accounts do not belong to me. I have reported this as fraud many times. If it is not removed from my account I will be filing suit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Mortgage

XXXX XXXX Bank of America Regulatory Complaints Bank of America attempted to resolve issues related to mortgage/escrow account by falsifying information and misrepresenting factual information publicly available from a governmental agency XXXX XXXX County Property Taxes ). Bank of America refused to take responsibility and acknowledge any wrongdoing. Bank of America failed due diligence to research information provided by governmental agency and evidence provided by this writer regarding their ( Bank of America 's ) claims. 
Bank of America 's proposed resolution to the complaints brought upon this writer involved dismissing the complaints, falsely justifying their stance and continue to deny responsibility or any wrongdoing on their part. As a result, this writer continues to face negative repercussions including assessments of late fees, being pursued and questioned about intent/ability to make payments towards their mortgage. This writer has provided Bank of America with numerous copies and evidence disproving their claims and yet they refuse to admit fault. In addition, Bank of America claims that a penalty/late fee of {$26.00} was assessed by the property taxes office. According to property taxes finance department records, Banks of Americas claim is false. Their attempt to collect additional funds is uncalled for and unsubstantiated. 

Documents provided to Bank of America : 1.copy of the XXXX County XXXX Department of Finance website information page whcih includes property taxes due date. Their phone number is XXXX. 
2.records provided by the XXXX County Property Taxes XXXX Department of Finance regarding the payments received for the year 2018. 
3. Copies of checks sent by this writer to pay porperty taxes 3.requested an audit to the records of XXXX ( contractor for escrow account monitoring ) 4.documents provided by the XXXX County Department of Finance response XXXX there was NO {$26.00} late penalty fee assessed by their office.
Product: Debt collection

Since XX/XX/2017 the company the company SMITH Roucon & Associates have been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company n several occasions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documetns. Also the creditor has billed MEDICARE and have been paid.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 

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
Product: Credit card or prepaid card

I receive SS and a pension from XXXX. I also received stimulus checks. I got a netspend card I did not apply for or request The company has done data mining and targetted me. They eat at peoples money with fees
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an ongoing issue Ive experienced with accessing my Equifax account. For the past month, I have repeatedly attempted to log in, but I consistently receive the following error message : " We are temporarily unable to complete this request. Please try again later. '' I have changed my password, verified that my email is correct, and tried multiple times, yet the problem persists. Additionally, I have been unable to find any help number or live chat option to resolve this matter directly. 

It is critical that I access my credit report to review it and place a freeze, but I am unable to do so due to this technical issue. I would appreciate immediate assistance in resolving this problem, as it has caused significant inconvenience and concern regarding my credit security. 

Please advise on how I can access my account and credit report as soon as possible. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been trying to have Equifax and XXXX to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. Equifax still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. Equifax per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.
Product: Checking or savings account

I deposited {$740.00} into the ATM on XX/XX/2018, I transferred about {$600.00} to my business checking account. 

The following day some additional transactions posted on my account and was charged an insuffient charge fee of {$34.00} for being only {$10.00} short. 

Chase charges me {$12.00} per month of servicing fees even though I meet the proper qualifications to avoid this charge yet they still bill me these insuffient charges when I have my business checking thats tied to my personal and always has funds.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft stemming from multiple major data breaches, including the XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX breaches, in which these incidents exposed my consumer data and other potential personal sensitive information such as name, contact details, Social Security number, financial data, and credit card information, leading to unauthorized use of my identity. 

On XX/XX/XXXX, XXXX publicly disclosed that a significant data breach occurred on XX/XX/XXXX, due to hackers. This breach, revised in XX/XX/XXXX, affected all XXXX XXXX accounts, compromising names, email addresses, phone numbers, birth dates, passwords, calendars, and security questions. On XX/XX/XXXX, Equifax disclosed a major data breach that occurred between XX/XX/XXXX and XX/XX/XXXX, exposing consumer data, including names, addresses, phone numbers, email addresses, and other sensitive personal information. In XX/XX/XXXX, XXXX XXXX XXXX revealed a breach that occurred in XXXX. Malicious software installed on its payment processing network exposed payment card data for an estimated XXXX XXXX accounts. The XXXX XXXX  breach, disclosed in XX/XX/XXXX, involved hackers accessing the companys payment systems from XXXX to XXXX, compromising over XXXX XXXX debit and credit card numbers. In XXXX, the XXXX XXXX XXXX ( XXXX ) suffered a breach where hackers exploited vulnerabilities, compromising names, Social Security numbers, and financial data for millions of consumers. Finally, in XXXX, XXXX XXXX  disclosed a breach that began as early as XXXX. Hackers infiltrated the companys network and stole data, including credit and debit card information, affecting over XXXX XXXX accounts. Given the extensive scope and frequency of these breaches, I have substantial reason to believe that my compromised personal information has been used to open unauthorized accounts in my name.

These fraudulent accounts consist of a personal credit card with XXXX XXXX on XXXX, a personal credit card with XXXX XXXX XXXXXXXX on XXXX, a personal credit card with XXXX XXXX on XXXX, a home mortgage loan with XXXX XXXX XXXX on XXXX and hard inquiries with XXXX XXXX XXXX on XXXX, with XXXX XXXX on XXXX, XXXX on XXXX, with XXXX XXXX on XXXX, with XXXXXXXX XXXX XXXX  via XXXXXXXX XXXX XXXX XXXX  on XXXX and with XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent charge-offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports pursuant 15 U.S. Code 1681c2, not later than 4 business days after the date of receipt, and I demand that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 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

XXXX XXXX XXXX continues to misreport to multiple credit agencies affecting my ability to take out and secure other loans, home rental leases and is creating barriers financially for me which is now causing me mental anguish and Fatigue from trying to mediate with them directly. Theyve kept me on hold for very long amounts of time, circled and repeated the same information when I tried to complain to them. Theres no way to work with them and my account is paid IN FULL AND THEY HAVE ME REPORTED AS BAD DEBT. I am a full time healthcare worker, I dont have time to go back and forth, this is tedious and is really affecting my way of life.