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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW AND UPDATED INFORMATION TO ADDRESS THIS COMPLAINT. THIS IS NOT A DUPLICATE COMPLAINT. 

In response to CFPB complaint case number XXXX, SELF FINANCIAL, INC. attached statements claiming that I have been late in making payments as of XX/XX/2020 through XX/XX/2020. These computerized statements have been modified and are false and misleading. The law is very clear when it states that billing statements must be authenticated if given as evidence. Unauthenticated computerized copies of billing statements does not validate any billing errors. In CFPB complaint case number XXXX, SELF FINANCIAL , INC. stated that I was only late on XX/XX/2020, XX/XX/2020, and XX/XX/2020. By this response, along with a copy of my credit report showing the inaccuracies from XXXX, XXXX, and XXXX that's attached to this complaint, is proof that SELF FINANCIAL, INC. is indulging in unlawful extortionate means with forethought and malice to continue bringing harm to me and my financial reputation. I'm well aware that the information provided in my consumer report must report with maximum accuracy pursuant to 15 USC 1681e ( b ) and the copy of my credit report that's attached does not show that. I have even provided SELF FINANCIAL, INC. their statement, in CFPB complaint case number XXXX, that they've provided to me that they claimed to have sent to the credit reporting agencies for a deletion of all late payments and it still remains on my consumer report.
Product: Credit card or prepaid card

On XX/XX/2019 my account was charged XXXX from the University of XXXX. This was an unauthorized purchase. around 10 minutes  later a second charge from the University of XXXX appeared with the same amount XXXX. When I contacted the people at Netspend I was told once the purchases were no longer pending they would be removed. They were not. When I contacted Netspend the second time I was forced to report my card stolen and an investigation was opened. I was told that would be resolved within 3-5 business days. Again no result. Now every time I call ( 4 times so far ) I get a run a round or a different answer. It has become clear that this issue will not be resolved and that this company is attempting to steal from me.
Product: Credit card

My sister, XXXX XXXX, submitted a fraudulent application in a variation of my late mother 's name. The name used was XXXX XXXX XXXX using my mother 's social security number and my sister 's address of XXXX XXXX XXXX in XXXX, Massachusetts
Product: Bank account or service

XXXX Behavior by BMO Harris Bank I called BMO Harris bank to inquire about the requirement for opening a new checking account. During the call I mentioned that I was a XXXX and not a citizen and the BMO Harris agent said they do not open account for people who are not US citizens. When I said that their requirements online did not say so, he said they can add their own requirements and why do I need to open an account with them anyways? 

Later I checked online again and on finding no such requirement on their website, did an application online. I have to say that I regret that decision. Not only they have XXXX attitudes, they are the worst bank I have ever encountered and are set up to gouge customers on fees. I was told that I have 2 months to get set up and meet the requirements to avoid the monthly account maintenance fees. I met the requirements and by XX/XX/XXXX had more than {$1000.00} required to waive the monthly fee. But they went ahead and charged me the {$12.00} fee on XX/XX/XXXX anyway. When I called to inquire about that, they tried to bait me into opening a credit card with them. When I said no to that, they said there is nothing they can do about that. When I asked for a supervisor, they said there is no one available as they are all in meetings ( on a Sunday ) and someone will call me in 24 hours. No one called me in 24 hours, so I had to call them again and they again refused to do anything about the fees. 

I request that you put this complaint so that others can see how dishonest and corrupt their practices are.
Product: Debt collection

On XX/XX/XXXX I reached out the The office of Gregory Alexandrides the listed attorney of my HOA to get balance of my account. I was instructed to do so while attempting to make payment online. I spoke with a representative of the office and she sent me an email stating I owed {$1200.00}. I then drafted a letter requesting a payment plan which I include a check in the amount of {$310.00}. I received a letter from the attorney 's office date XX/XX/XXXX confirming receipt of the letter and payment ; confirming the HOA accepted my request for a payment arrangement. The letter stated that the next payment was due on or before XX/XX/XXXX. I sent the payment of {$370.00} on XX/XX/XXXX. On XX/XX/XXXX I noticed that the check had not been deposited so I reach out to the attorney to inquire about the delay in depositing the payment. I was told by the attorney that the first check was received and deposited but they had not received the second check. At this time I informed the office that I was reissuing another payment which I did in the amount of {$370.00}. As of XX/XX/XXXX I had sent 3 payments and only 2 checks were deposited. In XX/XX/XXXX I received a letter of intent to of lien against my property. Letter stated that this was because they made an attempted to collect a debt and we had not responded. Not only had we responded but we had made 3 payments. The attorney stated that his client was exercising their right to file the lien, which I later found out that the client knew nothing of the decision. At this time the attorney added addition fees stating that there were filing fees for the lien and title search. After searching my dead on land of records we found that no lien was filed in XXXX. On XX/XX/XXXX I sent a payment of {$900.00} the full amount due at the time. The attorney returned the check which I later found out by the board members that they were unaware of the attorneys decision to do so. After receiving the check and a letter from the attorney stating they will not except payment I contacted XXXX XXXX to request a meeting with the board member to get a resolution. XXXX XXXX XXXX the representative of XXXX delayed answering emails and phone messages. I tried for 6 months to resolve this matter. The attorney later filed a claim in the court system for the the exact amount of the check that we sent in XXXX plus and additional XXXX for attorney fees for service provided on XX/XX/XXXX after the return of the payment. Instead of the {$900.00} they are now stating that we owe {$1300.00}. In addition 10 day before our court date we received a letter from the attorney offering a payment arrangement for but we now owe {$1900.00}. Again we sent the payment on XX/XX/XXXX it was refused by the attorney without the consent of the board members. They are now trying to collect and addition {$1000.00} that would have been avoid if the payment was applied back in XXXX. I do not feel we are responsible for any legal fees post XX/XX/XXXX when we sent the payment in full. In addition a lien was filed against my property on XX/XX/XXXX, 3 months after the payment was sent and refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to a background check however the report is not accurate and is someone else with the same information but that is not me. I have only one license not three.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REQUEST TO UPDATE ADDRESS To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX, L XXXX : XXXX XXXX XXXX THESE PHONE XXXX XXXX XXXX BELONG TO ME : ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : HELPING HANDS/PTA/ - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX// - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX/ Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX XXXX  XXXX****, XXXX XXXX****,  XXXX XXXX****, The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Debt collection

This company again has already collected on this debt when they sold this account to the collection agency Spring Oaks Capital I am not paying on a debt that was already been sold and paid for. I am very educated and I know that once these accounts are sold they are already paid for so I am not paying anything on this debt collection item when this collection agency has already gotten satisfied proceeds for this account. Please I would appreciate it if this collection is removed from credit report and to stop communicating to my email regarding this account. This is becoming and violating my consumer rights. This is systemic racism and I feel that my requests are being ignored. I have contacted the XXXX for some assistance because I have made this request for removal and nothing is happening. This would be several times I have submitted this request for this collection to be removed from my credit report and nothing is happening. The proceeds for this account was already satisfied when this account was sold to this Collection Agency. I'm paying them one dime. Please take this off my credit report. I will keep disputing this until its gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX monthly fee silently charged  to me since XX/XX/XXXX by transunion after getting their free report. Received a monthly email asking me to sign up for their service, not indicating I already was signed up, nor any type of credit info said service is supposed to provide. Further more they have not raised my credit score nor updated my address, employment, good credit, car payments, removed cillections, after 9 months of positive credit changes and XXXX XXXX removals. There are dozens of XXXX responses for this same issue, XXXX/month without their knowledge and a circus act to cancel. Hidden buttons and false re-authorize links trying to cancel. This is not the behaviour of a multi-billion-dollar credit agency, this is how grifters and con artists behave. I am out XXXX$ for a free report and nothing gained by what this supposed service is supposed to provide.  From what I have read online from XXXX and FTC site, few people recouped even a single month charged, so I do not see the point in wasting my time calling them at this point.
Product: Credit card

Someone opened a credit card in my name without my knowledge. It's a capital one creit card. I only found out due to running my credit check and noticed an account in my name had been opened through capital one.
Product: Credit reporting or other personal consumer reports

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Lexis Nexis has never validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to my joint account with my husband with XXXX XXXX. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXX that they had not reported any information since XX/XX/XXXX on my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXXand have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called XXXX XXXX who stated that my payments were on time and that I was in deferment in XX/XX/XXXX and XX/XX/XXXX and those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from Experian and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports Experian now has a charge off for Charge off XX/XX/XXXX and then account ok until XX/XX/XXXXwhich showed charge off again and then ok again until charge off XX/XX/XXXX The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then XXXX  and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and XXXX show worst delinquency as 90 days which is not reported at this time and Experian shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX  and XXXX it shows {$7700.00} and Experian nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXXsince that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
Product: Debt collection

The following debt is over 7 years old. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. 

The last activity with both debt were XXXX2010. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute made in error nor is a third party credit repair working on my report. I am working on repairing my own credit report. Please honor my request and stop sending me letters stating that my disputes and concerns are made in error! I was looking at my credit report and noticed that there are multiple inaccuracies and violations of the fcra on my credit report. I did not give any person or representative of any reporting agencies my consent to have, obtain, and or use my non public personal information. According to the fcra and one that want to furnish any information on my consumer report I need my written consent which they do not have. I have a right to privacy and that has been violated as well. I did not sign any contracts with the reporting agencies nor did i do business with the companies that are reporting the alleged debts. The items that are being reported are fraud and can not be proven to be truthful by demonstration The below accounts are inquiries are being reporting fraudulently and accurately. 
XXXX XXXXXXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I have sent 3 different dispute letters to Equifax dated XX/XX/2019, XX/XX/2019 and XX/XX/2019. There are currently 5 medical accounts which were showing on all three credit bureaus. Each was sent the same letters on XX/XX/2019. As of XXXX both XXXX and XXXX has since deleted the accounts due to the fact they were not able to VALIDATE or Verify the accounts in question. All except for Equifax who keep sending responses saying it is verified. I have also sent documentation showing that neither the collection agencies nor the Credit Bureaus were able to validate and the accounts should be deleted. 

The FCRA states that the credit Bureaus verify their information before putting information on my file. Not just send a request or response from XXXX. How are they determining this person is me? According to FCRA there should be proof of my signed document as the proof that this is me. I did not receive a notification that the investigation was completed. I just happened to call in. I just spoke to a supervisor named XXXX who have informed me that I can not even request the documents that are in my file at Equifax. She then told me that it is the collection agency that has to do the validation which according to FCRA laws are incorrect. 

I demand from Equifax to see the verification that was used that these accounts are mine since other collection agencies were NOT able to verify. I am very concerned that on top of the breech that Equifax had that they are NOT following the laws of the FCRA. I demand that Equifax remove these collections until they can send FULL Verification of this Medical Debt that could not be verified but they are still reporting.