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

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud  warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made attempts to freeze my credit reporting by your company as i'm protected by FCRA and the online automated system gives an error once everything is submitted. I had to go outside your website to find a fax number to send a formal request! This is not compliant with FCRA protections for consumers. I want be written notification by your company once this is corrected or I will report your company.
Product: Bank account or service

Sometime on XXXX 2016, we opened a Bank Account in HSBC BANK USA , NA. Immediately after this, we received XXXX debit cards, on my wife and mine name. After a week or so, the bank account was never opened by HSBC, so we trashed the XXXX debit cards and close our relationship with this Bank. To this date, we are receiving monthly statements on my wife 's debit card showing no activity or use of the card. Today I received XXXX open bank checks on my wife 's name. Being aware of the many cases of happening fraud, I have called the Bank to cancel this debit account. Finally an operator said she can do it if I supply certain information, including our passport number, date of birth and a few other questions. I requested to speak to a manager, without any results. I hope that your Bureau can help us on this matter as it seems impossible to solve the problem speaking with bank. The name of the account owner is : XXXX XXXX, our address is XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX NEW YORK, XXXX. Telephone # is XXXX. Account ends in XXXX. 

Thanks in advance for your help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have requested 4 times that Lexis Nexis Consumer Center provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. I have challenged Lexis Nexis in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their 4 responses came back that it was verified. I advised Lexis Nexis that any Automated Response or XXXXXXXX and or matching up the last 4 of a consumer social security number for verification is Unacceptable. I also provided a copy of a letter From the US Bankruptcy Courts of XXXX Maryland  explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 
First letter sent to Lexis Nexis was XX/XX/19 2 ) XX/XX/19 3 ) XX/XX/19 4 ) By phone XX/XX/19 I asked the Representative to send me the copies of my signature bearing this Bankruptcy and she responded and said they will see if they can find my Signature along with the Chapter XXXX and full social security #. Again I received nothing except saying it came back as verified without documentation of my signature which are violations. Lexis Nexis Response Dates are as follows by mail 1 ) XX/XX/19 2 ) XX/XX/19 3 ) XX/XX/19 4 ) XX/XX/19
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX**** Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. PREMIUM CREDIT BUREAU Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Mortgage

I applied for a mortgage refinance through Freedom Mortgage on XXXX/XXXX/16 and did not receive a request for needed documents until XXXX/XXXX/16. I then sent the documents requested to them by e-mail on XXXX/XXXX/16. I e-mailed them on XXXX/XXXX/16 because I had not heard anything and they let me know my appraisal would take place on XXXX/XXXX/16. On XX/XX/2016 I was informed by e-mail that they needed me to re-send the documents I had already sent ( they were identical and not changed in anyway ). I was then asked to send the same documents again on XXXX/XXXX/16. On XXXX/XXXX/16 I was asked to sign an additional document and returned it the same day. On XXXX/XXXX/16 I informed them by e-mail that I would be filing a complaint as I still had not heard anything on my loan. I received a phone call letting me know the loan was in underwriting and they would contact me. On XXXX/XXXX/16 I received an e-mail requesting updated information that I sent to them the same day. I have been told my loan is still in underwriting. Are there rules as to the time frame in which they need to be responding to me or a time frame for the underwriting process. This has really been a nightmare. They keep asking for the exact same things. They have contacted my employer multiple times and my employer informs me they keep asking the exact same questions. I would really just like to get the loan closed. Is there anyway you can please, please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first two attempts were made on XXXX and XXXX and was accompanied by a dispute submitted directly to Experian. The dispute number were as follows : XXXX XXXX XXXX XXXX While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XXXX. This is not a delay : this is negligence on the part of Experian, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by Experian to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

I'm a single working mother of XXXX young school age children from XXXX XXXX  and I need help! 

I financed a XXXX XXXX XXXX from a car dealership in XXXX XXXX I financed this car in XXXX. The payment were {$500.00} per month for 72 months. 

I traded in a car XXXX XXXX XXXX XXXX and {$9000.00} was applied towards the purchase and had I still to come out of pocket $ XXXX was making my payments for 3 month, I got behind one payment ( XXXX month ) they following month I made 2 payments in the amount {$1000.00} to try to get caught up on my payments. 

I made my payments through Credit Acceptance and the payment were accepted. However, I was current on my payment after paying the 2 payments totaling {$1000.00} and my car was repossessed with all of my belonging inside. 

I was informed by the car dealership that I would have to pay {$800.00} to the dealer, pay {$250.00} to the towing company and {$75.00} for my personal property before they would give my my car back. I did not have this extra money to pay because I has already given them {$1000.00} and the next day they repossessed my car. 

The company has since gone out of business and/changed names. This company has place this debt on my credit report and ruined my credit. I believe the new name of this dealership is XXXX. Please, Please Please Help me or direct me to who can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my bank account connected to Experian for credit for boosting my bills. Since I got in the XXXX my XXXX  account to give me credit for paying bills was somehow disconnected for over 3 months which I was not given credit for. When I contacted them about the problem I have not heard from them since and no resolution for the problem. I feel like they are purposely trying to prevent my score for raising.
Product: Debt collection

# 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # XXXX XXXX XXXX, XXXX I received a notice from XXXX the account was referred to American Collections Enterprises who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# 5American Collections enterprises placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XXXX above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when American Collections purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out XXXX to have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXX of notice from XXXX XXXX American Collections EnterprisesCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a veteran who has been victimized due to my service ( the federal OPM data breaches resulted in my personal information being released, sufficient to charge my cards and open additional credit in my name ). 

Following the web flow for attempting to place a credit freeze on TransUnion 's website will attempt to " validate '' a known credit card to " prove your identity '' and then place a recurring {$24.00} a month charge onto the charge. 

Attempting to call and fix this with their agents resulted in the agent literally laughing at me and then hanging up. 

I still have not found a way to place a credit freeze onto my account without a charge. I expect that I will be billed going forward.
Product: Debt collection

My son has a medical card and the hospital billed the insurance improperly and then turned me over the collection agency. I have spoken to them and the collection agency and keep getting the phone calls. I contacted his medical cars insurance XXXX XXXX  XXXX   XXXX  and he was covered for the service dates. He was transported to XXXX XXXX and they were able to properly bill so Im not sure why XXXX XXXX Hospital couldnt. His dates of service were XX/XX/XXXX and XX/XX/XXXX. His coverage through XXXX was good from XX/XX/XXXX to XX/XX/XXXX. I contacted them in XX/XX/XXXX after receiving a notice I was turned over to collections. I have contacted the collection agency as well and it doesnt seem to be getting anywhere. It has been reported to my credit and I am very upset as it was XXXX XXXX that made the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXXfor {$400.00}, which apparently covered my XX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment.

The next payment of {$800.00} made onXX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXXbeing 30+ days late on XXXX  and XX/XX/XXXXbeing 30+ days late on TransUnion and XXXX   There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. TransUnion has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report throughXX/XX/XXXX.

There was an extension granted in XX/XX/XXXXwhich should've covered my XX/XX/XXXX and XX/XX/XXXX Payments. XXXX  shows 30 days late XX/XX/XXXX andXX/XX/XXXXand 30 days late forXX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX   has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
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 XXXX XXXX XXXX XXXX has violated my right. 

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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I can not afford to pay back the loan right now my financial situation is not in good standing, and I need the company to stop harassing me on a daily basis by phone and emails. Unfortunately, I am truly struggling with the high expenses of rent and the cost of living, and I am not receiving any income at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Never set up accounts with XXXX. In fact never had a XXXX ever in my life. False fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX {$800.00} XXXX {$400.00} XXXX {$660.00} XXXX {$2200.00} XXXX {$1700.00}
Product: Mortgage

Just thought you should know .when they gave me the trial payments. We couldnot do the payment plan because it was not affordable with one income. They say that they donot use my uneployment. When I lost my job i was loosing four XXXX a week.XXXX dollars a month with taxes taken out. When no overtime. When I filed the appeal they told me that they denied the appeal. I have nothing in writing from them stating why.They are still not helping us.
Product: Credit reporting or other personal consumer reports

FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information that appears on my Equifax credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. Additionally, I reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. I demand an immediate investigation and deletion of all erroneous information outlined below. Furthermore, I am requesting the method of verification for each disputed item, as required by the FCRA. 
Also known as XXXX, XXXX Addresses XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX XXXX Personal Statements XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Accounts XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under XXXX XXXX. XXXX, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Equifax conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections. Additionally, I request the method of verification used to validate the disputed items, as required by the FCRA. 
Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under XXXX U.S.C. XXXX. 
Please respond to this dispute in writing within XXXX  days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Debt collection

I obtained a copy of my credit file and noticed XXXX is reporting a credit card payment debt that was settled and closed.
Product: Credit reporting or other personal consumer reports

I looked at my TransUnion, XXXX and XXXX credit report on XX/XX/XXXX and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXXXXXX XXXX XXXX XXXX the account numbers on TransUnion is XXXX, the account number on XXXX is XXXX and XXXX is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXX XXXX XXXX XXXXXXXX notice is the fact that the comment section on each report is different, TransUnion comment section states purchased by another lender, XXXX comment section has nothing stated and XXXX comments states Charged off Account. This does not match up on all three reports..Another inaccuracy is the fact that the date of last activity for the XXXX XXXX / XXXX account does not match up on all three accounts. The date of last activity on TransUnion is XXXX XX/XX/XXXX, on XXXX is XX/XX/XXXX and on XXXX XXXX XX/XX/XXXX. All three dont match another violation. according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 [ e ] [ b ]. And according to 15 USC 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ XXXX ] of any information disputed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX bank Delaware XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BANK DELAWARE ] - [ XXXX ] XXXX XXXX XXXX & XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX & XXXX Transunion XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Synchronic Bank about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial XXXX by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX  I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my abuser to further solidify my identity as a victim of abuse in many forms, financial XXXX being one of the many.