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

Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 Equifax 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 student loan account opened at XXXX XXXX under various account numbers. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # 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

On TransUnion they have a XXXX XXXX listed as a name I have used. This is incorrect and fradulent information. I have never had this name before. Also they have an XXXX Credit Card lists that I am sure was opened by XXXX XXXX. This needs to be removed from my report. I feel my step-brother has done this as he as used this name before to get items at other companies.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several inquiries on my report to be false and inaccurate.

Under 15 U.S. Code 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) promptly notify furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately. Pursuant to the ( FCRA ) and 15usc 1681. 

PERSONAL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

this was a court hearing I did not get to attend and I am getting garnished for something that is not mine. the case was filed on XX/XX/2016 in which I had no idea because of a change in mailing address at that time. the signatures that they have had on file are not mine. this was removed even from my credit report as fraud.
Product: Mortgage

I have been trying to get the loan modification paperwork to my lender but they continue to delay my review. On XX/XX/XXXX I made a 3 way phone call with my counselor XXXX XXXX to answer 3 questions that they had. They were if i could resume making payments, if I could afford my currently monthly payment and if I was living at my residence. After calling them today for an update they are advising they misplaced the information. How can you misplace a recorded phone call. 


I am just trying to save my home and I need help not another excuse or provide information that their representatives failed to file correctly!
Product: Credit card

USAA Federal savings bank refuses to refund me for unauthorized charges on my USAA credit card. These charges took place between XXXX XXXX and XXXX XXXX 2015 in XXXX XXXX XXXX, at the time I was in XXXX and have n't been to XXXX XXXX at anytime this year ( 2015 ). I can easily prove I was in XXXX during this period however and somewhat surprisingly USAA never requested that proof. 
The unauthorized transactions consisted of purchases and cash advances in large amounts, USAA approved these charges although they were transacted in another state and I never informed USAA I would be traveling. Other credit cards I have, always contacts me if a transaction was performed out of state. USAA never made any attempt to contact me although this was a card that was rarely used in the past. Further, USAA Fraud department stated that I MUST file a police report and if I did not file a police report they would not investigate my claim and would report the current balance including the unauthorized charges I am disputing to the credit bureaus. I informed the fraud investigator that their position was a breach of contract and may also violate federal policy.
Product: Credit card

acct under XXXX bankruptcy and still showing under my XXXX credits bureaus.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my son and closed a concern loan for a XXXX XXXX XXXX, the closing agent mentioned that because of the new technology in the new windshields, we would need to purchase an additional coverage to prevent having to pay {$1500.00} for each breakage. He indicated that XXXX would only replace with a basic windshield. This concern/issue was only mentioned at closing, which didn't allow proper time to confirm the issue with my insurance carrier. When I called the insurance company to added the auto to my policy, they advised that there was no need for this policy being sold and had not heard of the issue being mentioned by the dealership. I then called to have the policy cancelled and was told it couldn't be removed .I consider this an Unfair and coercive practice, so I need your help to look at this matter
Product: Debt collection

they call my cell phone my work phone constantly saying my social security number has complaints against it they want a legal statement or they will take me to jail. i dont even know what this is about.
Product: Credit card

I, XXXX XXXX XXXX, the consumer and natural person was denied credit by American Express on XX/XX/year> when I applied for a gold card Ref : XXXX XXXXXXXX. I am creditworthy and should be granted my credits. I sent my first letter regarding the adverse action response and it was ignored. I sent a second letter and received a response from XXXX XXXX XXXX assistant, whom the letter was not addressed too, stating another denial. This is my last letter to rectify your error before the court will be brought in. As stated in the previous letter, your denial is a direct violation of my right to credit. My goal is to keep this very simple matter out of the courts however, I will do whatever I need to preserve my rights as an XXXX. Adverse action against a consumer is against the law and according to the XXXX, which is codified in 15 USC 1691c. American Express is also currently in violation of 15 USC 1642, 15 USC 1642, 15 USC 1681m and 12 CFR 1002.7 because I, the consumer made an application in good faith, and expected consideration, however credit was not issued, clear failure of consideration. Furthermore, because my social security number was used and I received no benefit, this is proof of fraudulent activity and I am reporting it to the FTC, SEC, and the CFPB. If following The Federal Reserve, Section 29 ( d ) says since it has been 137 days since my application I am owed XXXX XXXX Dollars or 1 % of your companys revenue. The remedy I am seeking is the same from the beginning, a simple line of revolving credit for {$25000.00} which I will perform monthly just as The Bill of Exchange says. I have no desire to take this to arbitration but will if I havent heard anything by XX/XX/XXXX.
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 u.s.c 1681 Account Name... XXXX XXXX XXXX Account # XXXX XXXXXXXX ..... 
XXXX XXXX XXXX... XXXX XXXX... XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. States i have the right to privacy..

15 u.sc. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ... 15 u.s.c 1681 c. ( 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 crime which antedates the report by more than seven years ... ..15 u.s.c 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Consumer Loan

making car the car was sold a letter was sent to the title loan company telling them the car going to auction off they never came to get it now they are calling me this loan was made harrssing XXXX XXXX XXXX XXXX XXXX XXXX lone star title loans XXXX XXXX XXXX also XXXX XXXX they call you about XXXX XXXX time per day
Product: Credit reporting or other personal consumer reports

There has been XXXX fraudluent account that have been added to my consumer report which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am the widow of a XXXX vet and have been tax exempt for at least 15 years. At closing, my mortgage company, Planet Home Lending, charged me XXXX XXXXXXXX for taxes as part of my payoff. The tax collector sent the check back to the mortgage company and now the mortgage company is sitting on my refund. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to droXXXX XXXX XXXX XXXXde this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

I logged onto my Nationstar Mortgage account online, and noticed a new loan on my account. This new loan does not belong to me. The personal information associated of the borrower for this loan is available to me when I log in to my personal account. I believed this to be a significant failure of Nationstar Mortgage to safeguard the personal information of the mentioned borrower. I contacted Nationstar Mortgage customer service to notify them of this issue. The representative told me to simply delete the loan from my account. I agreed to do this, but told the representative that this was not an acceptable solution. I told him that I was concerned that there systems allowed for this borrowers information to be available to me, and that my information could be available to others. The representative did n't seem to care about the significance of this issue, and told me that I could file a complaint with Nationstar Mortgage. I then tried to delete the loan from my account, and the website failed to remove it. This loan and the other borrower 's personal information remain on my account today. I have duly notified Nationstar Mortgage of the failure to safeguard the personal information of the borrower, and they have failed to take any action to protect this information.
Product: Student loan

During Covid 2020 I was out of work for XXXX weeks and ex spouse left me and my children during Covid. I wasnt working so I called the Navient and credit bureaus to get the negative information for my credit report showing that I hadnt paid for both private school loan accounts due to financial hardship. They said they understood and would remove the negative information. I waited and but there hasnt been any changes to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease with Honda Financial Services and on XXXX of 2019 it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just received my Experian dispute report number XXXX. XXXX XXXX needs to provide how they verified to Experian this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to Experian and XXXX XXXX as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax to dispute this information. I find it very disturbing that I am speaking to someone in another country giving them all my personal information. These are countries that a known for fraud. I spoke XXXX employee # XXXX at the XXXX XXXX call center. Requesting bank statement, drivers license, mortgage statements. This facility has had a data breach in 2018. Why am I giving my personal information to overseas call centers? How can I get my personal information corrected?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit that are reporting inaccurately. 
1. XXXX  XXXX charge off with a balance showing 2. XXXX charge off with a balance showing 3. XXXX charge off with a balance showing This is not accurate according to the fair credit act. you cant have a charge off and still report a balance. if you do you must delete the account. I have been asking for this for 5 months now and no reply.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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'm having trouble with the bureaus resolving an issue with a charged off account. I have contacted all 3 credit bureaus about the inaccurate information being reported on my credit report. The bureaus all came back with XXXX Bank being updated and/or resolved, but XXXX XXXX is still reporting inaccurately on my credit report. It's a closed charged off account reporting monthly.
Product: Debt collection

I received a collections notice from TORRES CREDIT SERVICES for {$420.00}. The original creditor is XXXX XXXX XXXX XXXX, apparently opened on XX/XX/XXXX. I never opened an account with this company and I do not have any knowledge of what this could be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a inaccurate SS # /Birth name on my credit report My name is XXXX XXXX not XXXX  XXXX unless they have proof that this is my name I need it remove.
Product: Credit reporting

While I was in law school I received a phone call from ProCollect, Inc., and a letter to my mother 's address claiming I had a balance on my account for a medical visit. When I asked for documentation so I could pay the bill, they refused and demanded payment of the amount stated verbally. I had no recollection of a past visit to which I owed a balance. I responded in writing to the letter and received no response. When I followed up online via their Chat assistance, they claimed it was for a visit in the XXXX XXXX area on a date I was in XXXX, Texas, and at a hospital I have never been to. Also, I have always had health insurance and anytime I went to the hospital it would have been filed on the insurance for my records and I would have had to made a co-pay the date of the visit. My insurance records show no evidence of a Doctor 's visit on the date stated either. Now, ProCollect, Inc., has reported the debt but claimed it was " PAID '' on my credit report. This makes no sense as I have never made any payment to the company, I have disputed the charge and requested proof of my balance to which none has ever been received.
Product: Debt collection

This alleged debt was created and contracted with my employer I have no responsibility or obligation to pay this alleged debt, because this a workman s comp case. The responsible party is my employer XXXX medical claims. This company has being harassing me and still have not contact the responsible party.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA and the FDCPA state that the information reported to our credit file needs to be complete and accurate, however, their more concerned about reporting what the acct subscribers report to them because their getting paid by it as opposed to filing accurate information. 
I reporting errors on my credit file referencing the XXXX Acct. The information XXXX there is inaccurate. I have submitted complaints in the past and they still have not been rectified. This acct needs to be removed from my file. I keep getting a notice from Experian and XXXX stating that they are not going to look into the information, but your information is flawed and needs to be removed. 
Also on XXXX and Experian, there's a XXXX XXXX ( XXXX ) and XXXX  ( Experian ) that's on my credit file that does not belong to me and the information is also incorrect as to what they're reporting on my file. 
XXXX is reporting a XXXX acct and that acct also does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to address the serious issue of a fraudulent accounts present on my credit report. It has come to my attention that there accounts listed under my name that I have not authorized nor have any association with. This is a significant error on your part, and I insist on its immediate removal from my credit report. I have submitted the required FTC report to the company associated with these accounts and they have already removed this from their records. Furthermore, other credit bureaus also deleted these accounts after receiving the supporting documents, The inclusion of these fraudulent accounts are not only unjust but also severely damaging to my financial reputation. It is entirely unacceptable that such an error exists on my credit report, and I will not tolerate any further negligence on your part. 
XXXX XXXXXXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX  XXXX, account number # XXXX. Also, the debt amount owed by XXXX XXXX XXXXXXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on Experian XXXX XXXX  which is another inconsistency with my credit report. 

In accordance with fair credit reporting act XXXX XXXX XXXX account number # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Thank you, XXXX XXXX XXXX