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

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items from 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 and Information 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 items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$47.00} 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 XXXXXX/XX/XXXX XXXX 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

On XXXX XXXX 2017, I signed up for credit repair services with creditrepair.com and prepaid before any work was performed on my behalf. I contacted creditrepair.com to have one disputed negative item removed from my credit reports. <P/>On XXXX XXXX 2017, I paid {$14.00} to send my three credit reports. <P/>On XXXX XXXX 2017, a total of {$99.00} was paid for credit repair services which according to creditrepair.com included " credit challenges sent '' to the credit bureaus. I am unsure what credit challenges entailed. <P/>On XXXX XXXX 2017, I faxed documentation to support the billing reporting errors for the negative account and this was done to assist creditrepair.com in getting the negative account removed since my billing statements and what was reported by the credit bureaus were not a match. <P/>On XXXX XXXX 2017, another {$99.00} was paid for " credit challenges sent '' to the credit bureaus. <P/>On XXXX XXXX 2017, I received notification of credit reports received. Although, I already submitted my credit reports on XXXX XXXX 2017, creditrepair.com continued to send my credit reports to the bureaus as late as XX/XX/XXXX. <P/>On XXXX XXXX 2017, I received notification of credit challenges sent again but no evidence of these letters. Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly asked creditrepair.com for proof of the work that they were doing for me. As of today, I do not have this information. <P/>On XXXX XXXX 2017, creditrepair.com informed me that they were unable to get the negative account information removed from my credit bureau reports and closed my account. I was also informed that the supporting documents ( credit card statements from the negative account ) indicated late payments which creditrepair.com was unable to handle. <P/>On XXXX XXXX 2017, I informed creditrepair.com that I NEVER disputed late payments. However, I hired the credit repair service to dispute the MINIMUM MONTHLY PAYMENT AMOUNT on my statements versus what the credit bureaus were reporting. This information does NOT match. According to the FCRA information reported by the credit bureaus should match ( 100 percent ) what is reported by the creditor. <P/>Creditrepair.com lied to me as well as misrepresented what their capabilities were with regard to disputing negative information reported by the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past Spring of XXXX I began the process of applying for a mortgage to buy my first home at the completion of my extensive years-long XXXX XXXX Upon applying for the XXXX  mortgage, I was denied due to my inadequate credit score of XXXX, failing to meet the minimum of XXXX. This also precluded me from qualifying for a conventional mortgage due to my credit history. The only derogatory account on my credit report dated back to a XXXX  XXXX XXXX credit card ( with a limit of only {$5000.00} ) that I opened in XXXX XXXX to pay for travel in XXXX related to applying to and interviewing for XXXX, a mandatory XXXX training requirement. The card was slated to expire on its own in XX/XX/XXXX and was paid off in full by XX/XX/XXXX with the balance reaching {$0.00}, having never missed or delayed a payment. Evidently, an annual fee of {$25.00} was charged to the account in XXXX or XXXX of XXXX and I overlooked this, given that the account was paid off, no longer in use, and set to expire in the coming months, and thus no longer on my radar. Unfortunately, I did not recognize this oversight until XX/XX/XXXX when I received notice the credit balance had been reduced on the card due to my failure to pay the pending balance of {$56.00} ( after additional late fees were charged ). I paid off the balance immediately and closed the account as quickly as I could that same month. 

When I applied for a mortgage in XXXX of this year, this months-long failure to pay remained on my credit history ( despite being more than 48 months old ) and significantly impacted my credit and ability to qualify for the much more competitive rates of the XXXX  mortgage. More egregiously, when I called XXXX  XXXX XXXX to address and clear this history, I was told by multiple people at multiple levels of their ranks that there was no record of my ever having an account with them and was told there was nothing they could do to correct this issue. I have since had to submit petitions with the credit agencies outlining all of the above in an effort to correct my credit history. This behavior on the part of XXXX  XXXX XXXX has significantly impacted my credit standing and the lending options I had available in purchasing a home. Given the significant difference in interest rates between the XXXX  mortgage I was pursuing and the mortgage I ultimately qualified for, this may well cost me multiple tens of thousands if not hundreds of thousands of dollars over the lifespan of the mortgage, all due to a lingering unpaid fee of {$25.00} that arguably should not have been charged to the credit card account in the twilight of the card 's existence. In addition, XXXX  XXXX XXXX 's failure to correct the issue with the credit bureaus or rescind the derogatory account after 48 months is unacceptable and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 items 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 any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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 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  Inquired on XXXX XXXX ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Home was sold.. citi mortgage was my lender.. was trying to do a new loan modification. After wife had gotten hurt 2 years ago ... have had XXXX different representative since XXXX of last year. Felt like I was getting a complete run around with them.. never called on times that I had available.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report all messed up and it should be excellent I have had no credit card no car payment no house payment It 's XXXX 2014 is when XXXX and TransUnion messed up my score it 's XXXX please help me I 'm homeless due to XXXX XXXX A XXXX Veteran Dependant Survivor Not only that my family are upstanding citizens that owned there own business in XXXX Oregon my grandfather used to be a XXXX when they used to drag logs by horseback my father very well renound was a XXXX in the same shop That house was in our family for over 100 years Please fix things I deserve a much needed brake I also have a Meteor That 's huge
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 604 A. State I have the right to privacy.

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

Account have either been Paid in full or state inaccurate dates
Product: Debt collection

Heartland ESCI misrepresent payments owed and charges improperly. 

I paid on XX/XX/XXXX and the funds were deducted from my account. 

I review the account page again as I've noticed suspicious and dishonest behavior from Heartland throughout the months and I've had growing concerns since moths ago. 

It still shows I owe the same payment amount after I have already submitted my payment and after it has been retrieved from my account. 

Months ago, I noted an improper amount due and called after noting the amount was incorrect. It was adjusted improperly and I've seen consistent, fluctuating additional charges since. 

Additionally, they have two different pages showing the amount due - these pages simultaneously show two different amounts with the greater amount remaining hidden at the bottom of a different page, which then enables them to charge you additional late fees for having a remaining balance after having already made a payment by the due date. 


Heartland ESCI engages in unscrupulous practices - it seems similar to the unfair and dishonest practices of the XXXX scandal. 


After searching online, I have seen other sources also describe dishonest and untrustworthy behavior regarding Heartland ESCI. 

This has been continuing for years - see article below. I don't understand how we allow these corrupt businesses to continue. I don't know how they're still in business. I'm not the only one there are others as well. Please help. 

XXXX XXXX XXXX What needs to happen : Prevent the company from engaging in unfair practices and ensure that people will no longer be improperly charged or financially targeted. 

Investigate the company and charge them. Penalize them and ban them from debt collection until they clean and restructure their practices honestly. If necessary, shut the company down and transfer remaining unpaid debt to honest organizations.
Product: Credit card or prepaid card

On XX/XX/2017 I paid Capital One the balance of my credit card online in the amount of {$470.00}. I then inadvertently made a second payment online and overpaid my credit card by the same amount of {$470.00}. The payment cleared and my account is showing a credit balance for the {$470.00} with Capital One. I have called the company repeatedly, the first time they said they had sent the credit in the form of a check back to me to an address I no longer lived at. I asked to change my address and to re-send the refund, they refused to do either. After speaking with them again today, they are refusing to send a refund at all. They are now telling me that it is in their fraud department and they don't and won't send that credit balance back to me, even though they know both payments have cleared, they do have my money, and there is no fraud.
Product: Student loan

We called on XX/XX/XXXX to ask for a 30 day loan payoff statement. They said that they would send it to us via e-mail within 24 hours. We did not receive anything within 24 hours. We called again on XX/XX/XXXX to ask for the same thing. They stated that it had never been submitted. We were told we would receive it within 24 hours via e-mail. We have not received anything yet except for a survey asking how the call went. There is no way to get this information on the website with our account. We also discussed the fact that our autopayment had not gone through on the call made on XX/XX/XXXX. They said that there was no reason that it would not have gone through, but it did not. So we  asked them to make a manual payment for us and that we would not be paying a late fee because the error was on their end. They asked if any account information had changed, it had not, but we gave them all the information again and the payment magically went through, we were told. Upon review of the account today, it appears that only about 75 % of the payment was made and there is an outstanding balance on the account. I can not for the life of me understand why they would not process the full payment not only when it was supposed to be automatically paid, but then not even when we called to make a payment manually due to their incompetence.
Product: Checking or savings account

XX/XX/XXXX - Opened account XXXX XX/XX/XXXX - XXXX CFPB Complaint with Welcome Bonus I did speak to a representative, My company is XXXX XXXX its doing business under my name. In the state of Michigan we do not have to register for XXXX XXXX so I don't know of any specific additional document you would want. I did provide a tax documents which had a description error which lead to my account to be locked. 
XX/XX/XXXX - Tried to closed after receiving a fraud alert. The banking would not do anything but repeatedly say the account is locked ... My records indicate I should have roughly {$27.00} plus or minus. I just want this account closed as I do not use it for my XXXX XXXX business account. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found 6 accounts has been listed wrongfully by XXXX, TRANSUNION and XXXX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX XXXX XXXX/Chase ( formely know as Washington Mutual ),  Fraud ( Identity Theft Victim )
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA, XXXX Employer - -- - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have never applied for a private student loan. I do owe this company, I did n't agree to any part in a Private Loan, The Schools Financial Personnel Conducted Fraudulent Practices In This Claim.
Product: Checking or savings account

Using debit card depositing XXXX dollars to an XXXX casino called XXXX. Bank c charged XXXX for each transaction calling it tax/ where was that paid and to whom closed my checking account
Product: Debt collection

USAA Savings Bank sold ( 4 ) accounts and the debt associated with these credit cards to the XXXX XXXX, aka XXXX  XXXX. These cards are not mine and were opened as a result of identity theft and fraud. I have never used these cards and have never had them in my possession. I notified USAA as such. I also provided USAA proof that I was a victim of identity theft and each of the three credit bureaus froze my account and placed notices of such therein. XXXX XXXX is now contacting me attempting to collect on the fraudulent accounts and obtain money under false pretenses. I have asked that they provide the same supporting information on which USAA relied to make their original claim, but to date they have not responded. I hold USAA and XXXX XXXX liable as they are both in violation of FCRA.
Product: Credit reporting or other personal consumer reports

( See attached ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, il [ XXXX ] XXXX last 4 of ssn : XXXX I have a serious problem with the credit reporting agencies furnishing certain transactions and experiences from the account that the principal has with american express XXXX it is a well known documented and discussed fact that XXXX XXXX does not report credit utilization to the credit reporting agencies in regards to credit accounts. in pursuant to15 U.S. Code 1681a ( D2 ) Exclusions- '' the term consumer report does not include any report containing information solely as to transactions or experiences between persons related by corporate control ''. and as such Credit utilization is a " Experience '' that shouldn't be furnished to consumer reports. Now Im not sure WHO IS TO BLAME for the said experiences being reported but for several months ive been asking the same thing ... ... and herein 1 of 4 of the entities involved is VOLUNTARILY ILLEGALLY reporting this negative information to my credit files. To all entities involved make a good faith effort to resolve this matter by removing the credit utlization remark from my credit files associated with the account ending XXXX. I dont want the utilization being reported to my file thats it. this will be mailed physical and delivered electronically to all parties involved. If there is " confusion '' as to what needs to be done just call me XXXX. 

Yours Truly, Beneficiary All rights retained with estoppel without recourse XXXX : XXXX and XXXX XXXX XXXX XXXX trademarks used herein are trademarks service marks or common law trademarks of XXXX XXXX XXXX XXXX XXXX and its MEMBERS. ANY UNAUTHORIZED USE OF THE MARKS WILL BE PROSECUTED ACCORDINGLY
Product: Debt collection

On XX/XX/XXXX I was called by FMR or Forward Movement Company. They contacted me with the number XXXX and XXXX, in the words of their supervisor their number changes often. They are located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York. According to the local police department they are well known to run many scams. According to consumer finance they have over 500 negative complaints. 

Since XX/XX/XXXX they have called me about 11 times. I have spoke to them 4 times telling them to stop calling me, including telling their management. In their messages they demand that I give the information regarding the where about of XXXX XXXX ( last name not understandable. ) I do not know this person and I told them that. 

I have called them on each number they call me from, each number leads to the same company and each time they say that " I am not in the system '' " they never called me before ''. They are liars, they call me and then say they never called me, I have the call logs and voice messages to prove it.