23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me but yet the credit agencies are still reporting them without providing me any proof whatsoever besides coming back saying the account has been verified, by verified by whom and with what documents inwhich was never provided to me, in order for these agencies to continue to report one sided information with really conducting an investigation should be held responsible and action taking against them, the accounts I'm saying is not mines dates are XX/XX/XXXX, more specifically XXXX XXXX and XXXX XXXX. Its not my job to XXXX  a collection company, its XXXX XXXX   and Transunion job to report accurate information inwhich should be accompanied by physical documentation when reporting anything. What you report affects people livelihood and the XXXX breach was very real so please take inconsideration that all is possible. The FCRA requires that each account is provided with physical verification, or the account must be removed.
Product: Debt collection

I recently check my credit report and notice that CAPIO PARTNERS LLC is reporting on my credit report. I have never receive a notice from them notifying me of this debt.
Product: Vehicle loan or lease

Ally financial they keep calling me over 3 times a day and i get super nervous
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting an account XXXX  XXXX XXXX that displays included in Bankruptcy but there's no open or active Bankruptcy reporting on the credit report! Accurate information must be included on all consumer reports or the file should be deleted immediately! I have previously disputed this account with XXXX  on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. The company has exceeded the 45 calendar and business day timeframe allotted for investigations. Therefore, I am demanding that this item is deleted effective immediately. I will proceed with legal action if the item isn't deleted within 5 business days from the date of this complaint! 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

Accordingly, pursuant to the Fair Credit Reporting Act, please mail a copy of the full printed consumer report to my ONE mailing address that you have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The victim discovered on XX/XX/XXXX on her Experian credit report a fraudulenXXXX XXXX XXXX XXXXXXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VICTORIA SECRET/ COMENITY BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have denied me resolutions and I have chosen to put it on my credit to do damage. I have offered resolutions, and none have been accepted. I was charged for phones I never did receive and service I never used. I was also charged for phones in my father 's name, and he has since passed away during that time and I notified them of this horrible experience.
Product: Debt collection

I was on XXXX XXXX XXXX and all year up until XXXX i wasnt notified that they the part of my rent they pay wasnt being paid and they pay tracked and accumilated all and now its over XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds w

ithin 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor reports that I have a repossession with them and refuses to remove it from my credit report. 
I never had anything repossessed thru them. 
I only had a credit card account.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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: Mortgage

I am writing to officially file a grievance against PennyMac. Because of the COVID-19 pandemic, my employment was impacted. I contacted PennyMac for assistance and was advised of a forbearance plan. My mortgage was due for the month of XXXX, however I was told that because of the forbearance planI did not need to make a payment. The representative suggested that the forbearance would block any negative credit reporting to each of the credit reporting agencies. Additionally, I received the attached letter from PennyMac confirming that while on the forbearance plan, my account would be reported as current. Please see attached letter. 

Upon receipt of my XXXX  credit report, I discovered that my account was reported 30 days delinquent for XXXX and XX/XX/2020. Please review attached. 

I contacted PennyMac on XX/XX/2020 and the representative reviewed the communication referenced above and she could not provide an answer as to why the account was reported delinquent. The representative suggested that she would send an internal complaint that would be reviewed by various internal individuals.
Product: Credit card or prepaid card

On my XX/XX/22 statement closing date, my balance was {$410.00}. It was due by XX/XX/22. 
I paid it in full XX/XX/22. 

I received my XX/XX/22 statement which clearly shows my previous balance as {$410.00}, and that I paid {$410.00}, yet they charged me interest fees of {$10.00}. 

On XX/XX/22 and XX/XX/22 I tried calling to dispute the charges and after waiting in excess of 4 hours and still unable to talk to a representative, I disconnected the call. 
On XX/XX/22, I reached out through secure message in regards to the issue and received a response XX/XX/22 saying I had a balance and that's why I was charged interest, which is incorrect. 
I responded back to them that was incorrect on XX/XX/22, and have gotten no response. 

After now weeks of trying to get this resolved, my payment is due XX/XX/22 and I want to pay my bill in full again, but not pay for interest I shouldn't be charged! 

Please see attachments showing the statements and response I received. 

This is horrible customer service and has taken significant time trying to get it resolved. I'm not happy with them at all.
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/, with the identity theft report number XXXX allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts on my credit report below have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX XXXX 15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 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.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports in XX/XX/XXXX and noticed ( XXXX ) XXXX  XXXX account I did not give authorization and I also noticed multiple inaccuracies. The consumer reporting agencies have a responsibility to report consumer information to be accurate. I provided the certified mailing tracking documents and the credit report showing multiple inaccuracies- date opened has different dates, high credit has different amounts, date of last activity as well XXXX date of last payment. 15 USC 1681 eb states credit reporting agencies must be compliant shall maintain reasonable procedures designed to avoid violations and consumer report must be accurate or the account shall be deleted/removed. As you can see I also attached a recent report dates XX/XX/XXXX aand the information- credit reports still have MULTIPLE INACCURACIES. PLEASE REMOVE THESE ( XXXX ) XXXX  XXXX ACCOUNTS. I attached my passport and utility bill.
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it was made clear that 3 credit bureaus are not impeding records. I am forwarding this Complaint to assist in laying out a lawful response, as required by FCRA regulation 605b. If you do not object to the following items listed below, which are responding incorrectly due to fraud, I will turn over my records to my lawyer to launch a legal action. It is my intention not to pursue any legitimate activity, so if it is not too much trouble, follow the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX , i just want to file a complianr about my account in my credit file, that reporting innacurrate late payments. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX
Product: Debt collection

I have included a police report to the credit bureau Experian and that are continuously reporting 2 accounts that are results of identity theft. One is portfolio recovery. Original creditor is XXXX XXXX  XXXX XXXX, another is XXXX XXXX and lastly XXXX. XXXX ( XXXX creditor is XXXX XXXX XXXX ). I spoke to an agent at experian and looked into the consumer rights and laws of the FCRA and found that these items should be removed because experian has NEVER provided me with hard proof of how theyre determining that these are my accounts. Ive already submitted a police report to prove that Ive been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice several months ago it was fraudlent activity on my credit reports please remove and investigate soon as possible and remove
Product: Debt collection

This collection agency is trying to collect a debt for XXXX and XX/XX/XXXX, I contacted them to see why I never received a final bill nor did I receive anything from the collection agency prior to reporting the account to my credit report.  The original customer service agent stated they mailed me all of this and gave me dates and the address it was mailed to but those statements are 100% false because I was living at the address during the time frame she stated the letters where mailed.  I got extremely frustrated and upset when she told me that I need to just pay the debt I owe and pay my bills and then this stuff wouldn't happen.  I ended up hanging up the phone and calling back to get a different representative who then stated that the letters where mailed to me but they were returned to sender as undeliverable.  It's my understanding that if the mail is returned to sender then they can't just take it upon themselves to report it knowing that I was never appropriately notified nor given the opportunity to rectify the account.  I then spoke to a manager that AGREED the debt shouldn't be on my credit and because it was already so late in the afternoon and they where closing, she gave me her name and told me to call  back the next day and she would take care of it. When I called back the next day, it was an act of congress to get the same supervisor on the phone an dwhen I spoke to her she acted as if she had no clue what I was talking about.   XXXX I reminded her of our XXXX hour conversation, she then stated she was going to get with her manager about the rude comments fromt eh original customer representative and she was also going to get with him about removing he account and starting over to follow the laws put into place to prevent things like this from happening.  On top of all of this I requested  validation that the debt was even mine because the rediculous amount of XXXX is what was claimed that was owed and my bill never exceeded XXXX a month.  Obviously if you don't pay, they disconnect your electricity, they don't let you go XXXX months without paying.  Once the supervisor got her supervisor on the phone, she then denied ever telling me anything that she did and said her manager said their was nothing that could be done and even though the mail was returned they weren't deleting it and I just needed to pay it.  Their are laws for a reason but when they aren't required to follow them what is the point in even having them.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I opened a credit card amount with Chase in XX/XX/XXXX, after living in the United States for three months ( I am a XXXX XXXX by birth, but have always lived overseas ). On XX/XX/XXXX, they suddenly closed my account with no notice. I called their customer service that same day to understand what was happening, and they said they couldn't access that account, that the team working on it had frozen it and wasn't working that weekend. 

I called again today, XX/XX/XXXX, and was told that despite always paying my balance in full, for over a year, Chase had reviewed my account and closed it since I did not have enough credit history, although they opened that line of credit for me when I had absolutely no credit history at all. They did not warn me, there were no emails or notices on my online account, and I had to spend half an hour on the phone just to understand what was happening.
Product: Debt collection

Midland management collection agency alleged that I owe a debt to their company. however, i didn't have any recollection of entering into any contract with them. yet I offered to settle the matter by requesting them to provide me with documentary evidence to support their claim. Midland fail to provide what was requested, but continued to report it on my Consumer report tarnishing my good name and reputation.
Product: Checking or savings account

XX/XX/XXXX I received a letter with a complaint about the bank 's tactics, which I felt were discriminatory. The letter explained the bank 's side of the concern. On XX/XX/XXXX, I received a cashier 's check from the bank in the amount of {$36.00} from a refund to XXXX, which they pushed through to the card ending in XXXX. I am XXXX and do not handle checks, cash, or anything I can lose and have difficulty replacing. I was surprised that I had received a cashier 's check. As expected, the check was lost by me on the SAME day. I contacted the bank the following day as a former client because I had closed the account on XX/XX/XXXX in order to have the check replaced. As expected, BMO said I needed to go to a branch. This was strange because : 1 ) the Cashier 's Check did not originate from a particular branch, and I closed the account on XX/XX/XXXX. On XX/XX/XXXX, I visited the XXXX location. The banker said she would give me a call on XX/XX/XXXX but she could not find the check. This never took place. When I called on Friday, she was unable to provide me with the complaint procedure and instead directed me to customer service. I have had trouble with the customer service team since they do not seem to care about their customers, which is why I initially closed the account on XX/XX/XXXX. Getting my check replaced is what I am hoping for. It is obvious to me that because of my XXXX ) XXXX and XXXX ) perceived race, I am being discriminated against, as there is no other reason to treat me consistently in adversarial ways.
Product: Checking or savings account

On XX/XX/year> I deposited into my checking account a travel insurance claim award check for {$53000.00} in person at the Citibank branch in XXXXXXXX XXXX. My account was approximately {$3000.00} overdrawn at the time, so I left with a deposit receipt which stated my available balance as approximately {$50000.00}. The next day they closed my account and have been holding the funds ever since. I have attempted to get my money back several times since. I went into the branch to talk about it and they told me it could only be resolved over the phone. On one occasion they told me they had sent the money back to the check writer, but the writer says that the check shows as cashed on their end and they don't have it. Last time I spoke to Citibank they said the check needs to be verified but they couldn't find a verified phone number for the issuer and that's the only way to verify the check.
Product: Credit reporting

XXXX, Equifax, and XXXX placed fraud alerts on my credit history without my permission.