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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 1. XXXX XXXX XXXX {$650.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$670.00} 4. XXXX XXXX XXXXE {$890.00} 5XXXX XXXX XXXX XXXX XXXX {$160.00} 6. XXXX XXXX {$300.00} 7. XXXXXXXX XXXX XXXXXXXX {$2100.00} 8. XXXX XXXX XXXX XXXX$2300.00} 9. XXXX XXXX XXXX {$350.00} 10. XXXX XXXX XXXX {$970.00} 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 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 or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : Bankruptcy. XXXX  XXXX Bankruptcy XXXX Account name : XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

On  XXXX   XXXX ,   XXXX   I picked up mail from  XXXX   XXXX   XXXX   XXXX  which they were holding for no apparent reason. I found QCS notice to collect {$450.00} from me. I called asking what this was about and all they would say that it was a outstanding bill from  XXXX   XXXX  for {$160.00} .i asked for information and they only said it was turned over them the beginning of  XXXX . I stated that I never received any bill from  XXXX   XXXX . I called  XXXX   XXXX  and all they told me is that the account was closed.
Product: Mortgage

I am refinancing my home mortgage with a new company, AmeriSave. We closed in the loan XX/XX/2021. The payout/disbursement date was due to be in XX/XX/2021. On XX/XX/XXXX, no disbursement was received. I inquired with the lender, the representative of the closing company XXXX stated they do not have any payoff information. I provided the information on XX/XX/XXXX. Later that week I was told they would need the payoff statement notarized. They sent someone to notarize the document. On XX/XX/XXXX and XXXX I inquired again and was told it was in process. Now it is Monday XX/XX/XXXX and neither I, the borrower who was expecting cash proceeds nor the lender have received any funds. It is 14 days post closing and 8 days after the payoff date. Thank you for your time in registering this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
XXXX XXXX XXXX Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX 72 % {$140.00} XX/XX/XXXX XX/XX/XXXX {$200.00} {$140.00} {$340.00} - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXXl # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I demand that comenity bank complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( comenity bank ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.
Product: Checking or savings account

I was a victim of check fraud for {$24000.00}. Citibank ordered me to file a dispute, to which they responded more than 30 days later ordering me to then open a check fraud claim. I did this the same day and my case was closed because they said I did not file the check fraud claim within 30 days.
Product: Credit card or prepaid card

Some time in 2015 my discover card got used for purchases at XXXX which i did not make have gone back and forth with discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion to remove XXXX XXXX XXXX collection from my credit report because of the FDCR LAW passed by congress and 15 U.S. code 1666B,15 U.S. code 1666, 15 U.S. code 1681B and 15 U.S. code 16681A. or provide proof that this account is mine. Transunion or XXXX XXXX XXXX failed to do so therefore this closed, written off account should be removed from my Transunion credit report immediately. 
Thank you.
Product: Vehicle loan or lease

My XXXX lease with Toyota Financial Services ended, XX/XX/XXXX. I received the closing statement and paid it. Account was closed never late. 
I did the annual credit check XX/XX/XXXX and found on XXXX negative comment about a balance due. The online account does not show a balance due. They never sent any communication about a balance due. In XX/XX/XXXX they placed a comment on XXXX without contacting me first. Now they are making me jump through hoops to remove it.
Product: Credit card or prepaid card

See attatched XX/XX/XXXX STATEMENT. See transactions XX/XX/XXXX - XX/XX/XXXX {$810.00}. {$120.00}. & {$210.00} subtratcted. XX/XX/XXXX XX/XX/XXXX MERCHANTS CREDITS. The remaining balance AFTER MERCHANTS CREDITS was {$470.00}. KINDLY NOTE MERCHANTS CREDITS {$340.00} ARE THE ONLY CREDITS for period XXXX XXXX attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED ( KINDLY NOTE THIS * DID NOT INCLUDE {$340.00} CREDITED BY MERCHANTS. ) See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX WAS NOT REPORTED FRAUD XXXX XXXX see attatched XXXX STATEMENT KINDLY NOTE ( the credit deposited at beginning of the investigation have been reversed ) ** USAA REVERSES MERCHANTS CREDITS OF XX/XX/XXXX ON XX/XX/XXXX ( WITH NEW CHARGES ) forcing me to buy back two items that were picked up at store and returned at store and CLAIMING THEM TO BE USAA CREDITS. See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$210.00} ( the credit we deposited at the beginning of the investigation HAVE BEEN REVERSED ) AGAIN KINDLY NOTE THERE ARE NO USAA CREDITS XXXX XXXX see attatched statement of XX/XX/XXXX ** USAA REVERSES MERCHANTS CREDITS {$210.00} OF XX/XX/XXXX XX/XX/XXXX STEALING XXXX MERCHANTS CREDITS CLAIMING THEM TO BE USAA CREDITS.
Product: Credit reporting or other personal consumer reports

I got copies of my eqifax and XXXX and XXXX XXXX XXXX XXXX XXXX is falsely reporting on my credit report wrong payments and payment amounts they are breaking laws of section 603 of the fair credit reporting act by reporting my information with no scheduled payments ever they just are reporting wrong information credit reporting and the type account they are reporting is wrong too either it's revolving or installment they are reporting cellphone agencies are sending it back to me verified and accurate how could it be accurate if no payment schedule was ever reported XXXX XXXX is also breaking Texas state law by actions as a collection agency thier for they are breaking Texas sate law by not being registered as a debit collectors Section 392.101 of the Texas Finance Code prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I also have sent copies of ftc ID theft afitdavit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
The account XXXX XXXX is reporting is a charged off account which is canceled debt. A 1099c was issued. The account turns into gross income. Income can not be reported on a consumer report per federal law. This account is reporting inaccurate information. 
Consumer reporting agencies don't have permissible purpose. I have not given written consent. 
Delete this account from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report per privacy guard XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and XXXX XXXX reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score.  and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and XXXX XXXX reporting compliance standards.
Product: Mortgage

I received a modification on XX/XX/XXXX that XXXX XXXX negotiated with XXXX XXXX XXXX on my behalf. The trial modification payments were $ XXXX. On XX/XX/XXXX, the loan was transferred to Bank of America and the payments increased due to an escrow shortage. The payments increased to {$2200.00}. I began to have trouble making the payments so I was given an " In House '' loan to catch up on the missed payments. The new monthly payment was {$2400.00}. On XX/XX/XXXX, after I was given the " In House '' loan, I was contacted by XXXX XXXX XXXX to let me know that the property had been overassessed not only for the the XXXX tax years but the XXXX - XXXX tax years as well. The estimated tax bill was {$4500.00} for the XXXX XXXX Tax year. I believe the payment increase due to this over assessment. Not only did Bank of America force me to pay a higher monthly payment, they also invalidated my first modification and increased the principal balance. I paid a total of {$1100.00} to XXXX XXXX  XXXX for their services and I was never reimbursed. The loan was originally a Countrywide loan with a loan Balance of {$320000.00} and an equity line of credit amount of {$80000.00}. In XXXX, it was transferred to BofA. The {$80000.00} equity line of credit was forgiven by Bof A on XX/XX/XXXX. However, in XXXX ( fours years later ), the principal balance increased to {$410000.00} after the second modification. I've contacted BofA at least three times about the increase in payments and they always cite the escrow shortages as the cause for the payment increase. I would like an audit of the loan to explain the many contradictions in the loan payments and the escrow shortages.
Product: Debt collection

The debt was sold from drive time which the company is no longer in business. They reported that I owed an amount and apparently the company who bought it was XXXX XXXX XXXX. This company has been handling the account inappropriately. I had a court date because they took me to court for garnishment that I wasn't even privy to and I even had a letter stating that they had dropped the garnishment. I tried to get this overturned with a court but unfortunately it is harder than it seems with the Judgment going into default because I didn't know they were going to court. I showed up the last times in court thinking that they were going to show up and they never even showed up. I have tried multiple times to reach out to the lawyer that's on this account and he's never not once contacted me back.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian ================================================ 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Rise Credit, which is the company I acquired this loan from has been harassing me for almost three weeks now. I took out a small loan of $XXXX, after the interest the total payoff is almost $XXXX
I have only missed XXXX payment, after almost XXXX on time payments and ever since the missed payment they have been calling me non stop, almost XXXX times a day between my personal phone and work phone, which they were told they are not allowed to call.
My work has logs of the number calling, they call about XXXX an hour and when we pick up they don't say anything and hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the information on the XXXX XXXX XXXX account to be incorrect, I never had an account with XXXX, and i have never Owed a balance of {$510.00}. i am not sure or aware of XXXX 's debt of {$510.00}. I am requesting a copy of the original contract of this account with all payments made to the original account to make sure this account is truly reflecting its true balance. Also, i have previously contacted XXXX XXXX XXXX that i refuse to pay this debt and to stop all collection attempts. they failed to comply and attempted to collect the debt when i called them on Wednesday, XX/XX/XXXX violating my consumer protection rights and violating the FDCPA. since i have not received what i have requested it made me believe that the accounts may not belong to me. I repeat that i have never had a contract with XXXX or never have i had a debt of {$510.00}, This it is believed to be false information and a violation to 15 usc 1692e.

I can not tolerate these violations and these accounts that I do not recognize to be reported into my credit file. 

This complaint serves as a formal declaration of my refusal to pay this inaccurate debt that XXXX XXXX XXXX  claim i owe and i demand that XXXX XXXX  cease communication with me unless to report the closure of the account they claim i owe. I intend to take legal action if these violations are continued.
Product: Debt collection

Every month I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX. Is reporting a new collection that is for a collection account from XXXX. The information reported to the credit agency is in violation of Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$170.00} Date Updated : XX/XX/XXXX Original Amount : {$170.00} Original Creditor : XXXX Past Due : > $ XXXX<
Product: Checking or savings account

my name XXXX XXXX was scammed by an online company promising XXXX my money in a very short time, XXXX was the app that they used to collect my money, i invested {$14000.00} in this scam, the withdrawals were in XXXX XXXX XXXX all amounts are different {$500.00} {$1000.00} {$1500.00} i used my debit card and checking account for all of the withdrawals the person i delt with was XXXX XXXX the website was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent EXPERIAN a dispute letter regarding 6 late payments to XXXX on XXXX XXXX. ( XXXX letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XXXX XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reaching out to the credit agencies about false reporting on my credit profile these past years. There is a bankruptcy filing item on my credit report that doesn't belong to me as i've never filed bankruptcy, ever. Overtime I disputed the item as fraud and inaccurate, XXXX  completed their investigation and did their job in removing this item in a span of 30days, quicktime, as they should have. But both Transunion and XXXX  seem to insist that they have validation/verification of such filing from 3rd party vendors in XXXX and the Bk Courthouse. Well i infact have been disputing with them as well on this matter and they have both ruled investigations in my favor, through mail correspondence. XXXX has explained they could not validate or verify such information belonged to me so they removed any bankruptcy filing information that was previously attached to my name out of their database. And the Bankruptcy Courthouse themselves, who would be the ones who originated such filing, have emphatically stated they could not locate such docket # filing. And they've stated this kind of verification or validation is not what they do at all, it is not their responsibility to validate or verify any public recording with credit agencies. Public record information is NEVER validated by U.S court systems due to the Fair Credit Reporting Agency Law of PRIVACY! So all of these verification/validation response letters to my dispute from both transunion and XXXX  have been false and illegal. This is unfair business practicing on consumers, I am puzzled that this is happening and sad to know that i am surely only 1 of millions victimize to such false reportings.