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

I am shocked to see my Credit report being infested by a large amount of erroneous and fraudulent items that were indiscriminately reported by the Credit Bureaus. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission and I need you to remove the these items as soon as possible : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX BANK XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name XXXX XXXX I have few inquiries that caught my attention This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account names XXXXXXXX  - XXXX XXXX XXXX XXXX XXXXXXXX - Date XXXX XXXXXXXX XXXX  XXXX NA - Date XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Debt collection

I had noticed that Portfolio Recovery added a {$380.00} charge from capital XXXX on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital XXXX on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital XXXX account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital XXXX! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX has only XXXX name which is XXXX XXXX, I am not known for any other names, I also only have XXXX address that is attached to my name and that is XXXX XXXX XXXX, XXXX LA XXXX. I also only have XXXX job that should be on my credit report and that is XXXX XXXX, I am unaware of any other jobs that has been reported on my report, as well as any other addresses so I would like for them to be removed from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, which has resulted in unauthorized credit inquiries on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following inquiries : Unauthorized Inquiries : XXXX. EQUIFAX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX DEPARTMENT OF EDU Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report, Experian has added this account to my consumer report without my knowledge nor validation.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/2022 and XX/XX/2022 I wrote to The XXXX, XXXX requesting that they validate an alleged debt they claimed is owed to them by me. In my letter I requested that they provide specific documentation of validation as pursuant 15 USC 1692g ( b ). However, they failed to address my very specific legal requests, and have continued to unlawfully report this purported debt in violation of my right to privacy and the cease and desist requests, submitted in my previous communications, as defined under the FDCPA. The instruments they provided did not validate their proof of claim as it did not include evidence of any legal instruments bearing my my signature or their lawful right to collect on this alleged debt ; nor did it contain the accounting ledger in accordance with 15 USC 44 that illustrates the amount they purchased this alleged debt for and the correct amount allegedly due. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Their negligence and unlawful reporting of this alleged debt is causing me unwarranted stress and frustration, damaging my reputation and credit worthiness, and affecting my mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just trying to get a credit freeze on my report. I went to the Experian page, gave them all the info they asked for. Was told that it wasn't correct. I then went to their page to upload my ID. It was We can not accerpt this as it is a JPG file. We require a TIFF file. 
Fine. I convert it to TIFF and upload it.

Your session has timed out and the page has expired. Please return to the front page and start over.

We can not accept this as it is a color image. We require a Black and White image. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
Could have said that. 
I load it into XXXX and convert it to Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image.

UGHHH. I take a new picture of the ID, making sure it's in Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image. 

They're making people jump through so many hoops just to get what is supposed to be a free service.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, challenging their reportability according to the FCRA and the accepted STANDARD of metro 2 data field reporting. 

Federal and state laws mandate accurate and complete reporting of allegations, and it is inappropriate to report unlawful claims. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage, and if lacking, I expect its removal from the report Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ncorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ncorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX mployer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX 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 sent a letter with account information that is incorrect and asked that it be deleted. Sent back been verified, also sent a second letter asking to show how it was verified, response was validated. False statement my account are froze and I received no call or nothing asking to verify. Sec 609 and many more putting false info on my credit report.
Product: Checking or savings account

My checking account at the Bank of America was compromised fraudulently by a company on XXXX XXXX twice for {$9000.00} and {$6000.00} and again on XXXX XXXX for {$9600.00} unknown to me as I have monies going into that account directly so no need for me to go to bank regularly as my accounts run themselves and me being in and out of hospital around that time I wasnt checking regularly so when I noticed recently for tax purposes I immediately claimed this fraud and the bank refused me a refund even though it was fraud saying they notified me through an alert which is false I dont have online banking nor did I get or am I signed up for alerts so I want my {$24000.00} returned to my account immediately as this is fraud and the bank is refusing to do so when I am covered under this fraud thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I initially had all my subsidized student loans through XXXX. I had an automatic payment set up with XXXX so the money was always automatically drawn. I switched to the income based payment plan and student loan forgiveness program. The representative that I was speaking with at XXXX said nothing would change and not to worry about it. I have 3 other companies with student loans paying over a grand each month so I wasn't noticing the XXXX XXXX, for that one and was assuming I was covered after speaking with the representative. That was back in XXXX and now In XXXX, I finished flight school and need to move and refinance my house. My credit is ruined because of this loan I was told not to worry about. I called XXXX and they didn't even have the loan. Fed Loan had the loan and I had no idea who they were. XXXX gave me there info. I didn't see anything from FEDLOAN, as far as them reaching out to me. I saw some things when I searched my spam folder for them. I had to pay XXXX XXXX to become current and it cost me XXXX points on my credit score. It was totally unreasonable and their customer service was total garbage. No way to help me or file a dispute on their website. The only loan I have an issue with is the government one. Their customer support is the worst. I started the automatic payment plan but working with Fed Loan is an absolute disaster and I'm doing what I want to do whatever I have to make this as painless as possible and pay what I need to each month.
Product: Credit card or prepaid card

In XXXX my card was stolen and funds where removed from my account. I filed a dispute with American Express serve card. They refused to credit my account and then closed my account for no reason. I was a victim of theft and lost my money. It was a total of {$2500.00}
Product: Credit card

I tried to make a purchase at my local grocery store, XXXX, and the card was declined. I tried to call Discover card to find out why and I could not contact them. They said to go online. I went online messaging, and it said my account was closed because of fraud. I did not report any fraud ; I have no idea why my account was closed. Discover won't tell me. There is no information online. I messaged them and they won't tell me. They tell me to call a number which does not work. I am in XXXX. They closed my account and I have no way of paying for anything. They won't send me a new card, they won't explain what or why they did this. They sent a letter to my US address which I am not there. They will not give me any information. I will have to contact the state department and the US embassy in XXXX for financial help because of what they did and they won't tell me why. I did not report any fraud, so I don't know why they did this. I am now stranded in XXXX without a credit card. They told me I have to apply for a new account. I have had this account since 1986, when there was anything suspicious in the past, the card was closed and a new one issued, not shut down the account completely without issuing a new one and without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent XXXX AND EQUIFAX letters regarding the inaccurate and incomplete items they are reporting om my credit report.i sent it USPS certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX, and i have not received anything thus far concerning this matter from neither of the CRA 's. they have also violated 15 USC 1692 F ( 1 ) STATUS 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed derogatory reporting on my credit reports by Federal Loan Servicing on XX/XX/XXXX. My dispute shows proof that I was never XXXX, XXXX or 180 days late on my student loans from XXXX. During that time, I was a graduate student at University of XXXX. I also had a One-year Hardship Agreement starting on XX/XX/XXXX because I was taking care of my father who was on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked for proof of the original loan documents to help prove that I was charged interest during these times and that Federal Loan Servicing continued to show me late. In each loan, Federal Loan Servicing shows that I am " current '' and then the next month they show I am 90 days late, then 120 days late and they have a comment that I was 180 days late. This is not true and is hurting my credit report and ability to build credit and move forward in my life. I have no resolution in this matter, no documents from Federal Loan Servicing and no change on my credit reports which are now " updated '' with exactly the same information. I would like these loans deleted from my credit report until there is a resolution of the correct amounts and no derogatory reporting. Thank you for your help!
Product: Mortgage

We have been receiving collection letters & phone calls daily for our mortgage account with Wells Fargo when we are current on the mortgage. There is an escrow balance that they 're showing is due for amount of {$100.00}, which is completely inaccurate as we do n't have an escrow account and last year when we switched insurance agencies from one agent to another for the same insurance company ( XXXX XXXX ), they 're claiming the property was not covered. 
This is not accurate as we have been on an call with Wells Fargo Escrow department to sort out this mess and unfortunately I 'm not getting any cooperation with Wells Fargo Escrow and Mortgage departments. Our insurance agent has sent information to them explaining the situation. 
They 're claiming that we have not paid our mortgage, which is not accurate. They 're now sending letters to proceed Foreclosure proceedings. We have never been late on our mortgage and are getting stressed and frustrated with Wells Fargo 's behavior and practices.
Product: Mortgage

I received the loan from First Interstate BankXXXX XXXX XXXX XXXX XXXXXXXX - ( XXXX ) XXXX ) as part of a XXXX  loan package back in XXXX (? ) when purchasing a house. During a XXXX, it was recommended the house would need to be sold/short sale due to financial complications at the time. In XXXX, once the conditions of the short-sale were met, the house was sold ; however, the bank never released this additional loan, saying that it was to be converted to a XXXX XXXX loan. I ended up with a XXXX loan that continued to receive annual mortgage interest statements for several years, but never monthly statements. Over the years I tried to set up an online presence to manage the account, and every time I am left with the loan unavailable online and no statements being sent. I get various reasons as to why I can't have access to this loan online ; this is very frustrating since I have moved many times and traveled for a few years, always having to send via XXXX Mail a monthly coupon and XXXX check. I would like for them to 1 ) reconsider the original decision and make the loan part of the short-sale, write off the loan as I believe it should have been, make restitution to me and clean up my credit report as needed ; and 2 ) at a minimum, give me access and statements, so I can manage it online. The interest I have paid on this loan is well above the original amount of the small loan that was part of the XXXX package. I believe their refusal to put this online and give me access to it is to avoid audit of a fraudulent loan that should have been flagged a very long time ago. In XXXX, we attempted to buy a house and were unable to get the loan we desired, partly because this loan was still listed as a mortgage loan on my credit report. The bank re-named this loan after that, but it shows severe negligence if nothing else. I am now attempting to buy a house again after all these years and would like to make sure this situation doesn't derail another attempt to own a home.