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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency and you the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit cards and Auto loan account opened at XXXX along with a Personal Credit card and loans that include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

USCB reported this on my report last year. 
I disputed it on XX/XX/19 and it was removed from my credit report. 
Now they are trying to report it on my credit report again. 

The dispute number from last year is XXXX. 
I want this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # 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 A section 2 : it also states a consumer reporting agency can not furnish a acount without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any reason.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX BANK XXXX Balance : {$2700.00} XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} PERSONIFY XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX VERSE XXXX Balance : {$780.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX N.A. XXXX Balance : {$530.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXuired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXXXXXX XXXX  Inquired XXXX XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Debt collection

Contacted CMRE regarding a medical bill. He stated the bill was the correct amount and they have been trying to bill my insurance co since XXXX XXXX, 2015. Today they placed a collection on my credit report. I called CMRE and explained I never received a bill in this amount, I had already provided the Insurance Information months ago and I believe the amount to be incorrect. I requested they remove this until they can resolve it on their end and the representative refused.
Product: Debt collection

For the past several months I have contacted the creditors as well as the Bureaus to verify these 2 accounts reporting on my credit reports. Both have failed to respond to my request. Both of these accounts below are not mine and they have no evidence of supporting documents pertaining to me. I asked the bureaus and creditors to remove them for my credit reports. They have failed to do so. 

CRDT CTRL CO ( XXXX XXXX XXXX ) Reporting on XXXX and XXXX Account # XXXX Collections Charge off / Derogatory Balance of {$240.00}. 


XXXX XXXX Account # XXXX Collection/ Derogatory reporting on XXXX XXXX
Product: Mortgage

This is the second time that this problem has happened to us with the payment of my mortgage, the first time it was solved but this second time since approximately XX/XX/XXXX we have not been able to solve it since the bank raised the monthly payment of {$580.00} to {$910.00} as of XXXX, arguing that it is due to lack of property insurance since our contract had been in force from XX/XX/XXXX to XX/XX/XXXX and one of the many times we had been talking to them to To find out where the problem was, we were finally attended by a person from the insurance department named XXXX XXXX, who looked in detail to find that indeed the house had always had insurance and that this had been their error, she told us that she had already updated the information And that he was going to send it to the escrow department to review it and make the corresponding corrections and he recommended that we call again in a week and so we did and sup Apparently they had already made the corrections by lowering the payment to {$720.00} but according to the amount of the new insurance policy it does not correspond to that amount and through you I want you to give me a solution since even so my payments are still higher than they should be. since according to the numbers that I have they are : {$160.00} Principal {$280.00} Interest {$130.00} New taxes {$41.00} Insurance Policy leaving a total of {$620.00} and not the {$720.00} that they are charging me. 
For this reason I decided to contact you and ask you to please help me solve this problem, because it has been impossible for me, they only tell me that they are going to call me and they do not do it and while I continue to pay an unfair amount. Thanks!!
Product: Credit reporting or other personal consumer reports

I WENT IN TO BUY A CAR WHEN I WAS ALREADY PREAPPROVED AND THEY RAN MY CREDIT WITH OTHER DIFFERENT COMPANIES WITHOUT MY CONSENT. THE COMPANIES ARE LISTED BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and several accounts and inquiries reported on my credit report are fraudulent and do not belong to me. As such, I am requesting that these fraudulent accounts and inquiries be immediately blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below is a list of the accounts and inquiries that I request to be deleted : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over 30 days. XXXX  for proof. Too different names XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX thats inaccurate please removed this account from transunion & XXXX
Product: Consumer Loan

I am a XXXX year old widow with serious health issues. When I XXXX I had XXXX and went to a XXXX XXXX for several weeks with ultra high co-pays in addition to medication co-pays. Because I could no longer make payments to a debt management company, for distribution to American Express, XXXX XXXX XXXX and XXXX XXXX Master Card I was dropped from the program. 
Now the above companies are demanding payment, but I am currently unable to pay. My only source of income is Social Security. In terms of health care I am a member of a Medicare HMO with high co-pays. My XXXX has been struggling for the past several years and I am now XXXX. The above companies refuse to give me more time to turn these events around. XXXX XXXX is insisting that I make a payment of over {$500.00} by XXXX XXXX. American Express wants the current balance due of {$1500.00} by XX/XX/XXXX. This is impossible! The calls and notices are never ending. No one seems to be concerned about my current state of health even thought I have been a client in good standing for decades. In many ways I do consider this to be a form of " XXXX abuse! '' Keep in mind that the above companies have tacked on considerable late fees and onerous interest rates above XXXX %. Help!!
Product: Debt collection

Pinnacle is reporting a collection account on my credit report. I first tried to dispute with credit reporting agencies. I sent letters asking for validation and received nothing. I then called Pinnacle to see what I could get straightened out and I was told by Pinnacle that they were n't handling this account ( thought they are reporting it ) and that I should call XXXX XXXX. I called XXXX XXXX and was told to call Pinnacle since they were the company reporting this disputed account. I went in circles like this XXXX times and got nowhere. I then send a certified letter ( attached ) and have had no resolution. Pinnacle has failed to validate this disputed debt, and in fact has said numerous times that they are not even handling this debt. I am requesting immediate deletion of this account from my credit reports for the violations listed above. 

Pinnacle acct # XXXX
Product: Money transfer, virtual currency, or money service

I am having problems adding money or withdrawing from my pay pal mobile wallet. The company just sent me a message that Ican nolonger use pay pal and that my account was permanently limited yet I have not violated any of the policies of the company. The case ( XXXX ID - XXXX ) under my pay pal mail XXXX. Please I need assistance because I have been using to receive payments from tutoring platform XXXX and now I am unable to add funds to the pay pal account. Please compel the company to respond to my please and restore my pay pal account to normalcy. I previously raised a complain and The company did not resolve my dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized Inquiries : XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I sent a principal payment only check of {$5000.00} to Bank of America on XXXX/XXXX/2010. 
The " Principal Payment Only '' was written on the check. When I went to refinance last year, I checked on the payment and Bank of America never applied it correctly as I requested. I do not have a record of the check. The {$5000.00} payment was made XXXX day after the regular mortagage payment. Bank of America is stating without proof of the check stating it was a principal payment only, they can apply the payment as they wish.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a complaint against XXXX XXXX and XXXX XXXX XXXX regarding their handling of my debt and its reporting to the credit bureaus. The original debt originated through XXXX XXXX, but the reporting on my credit file is incomplete and inaccurate. Specifically : XXXX. Incomplete Credit Reporting : XXXX XXXX is only reporting missed payments but failing to report my full repayment history, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Disputed Debt Sold : After I disputed these credit reporting inaccuracies, XXXX XXXX sold the debt to XXXX XXXX XXXX, which has led to multiple accounts appearing on my credit report for the same debt. 
XXXX. Failure to Provide Documentation : I have requested a forward flow agreement and proof of debt, but neither XXXX XXXX nor XXXX XXXX XXXX have provided these documents. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Request for Immediate Removal : Under 15 U.S.C. 1692c, I am requesting that this debt be removed from my credit report within 72 hours due to the inaccurate and unfair reporting practices. Additionally, I request that all three credit bureaus ( XXXX, Experian, and XXXX ) conduct a thorough investigation and remove any duplicate or incorrect debt entries from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX. The unauthorized and fraudulent inquiries do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some credit reporting information with Equifax. They have sent me multiple emails regarding the information and how they have dealt with it, however, when I go to retrieve the information I can not access it. The online dispute center is either down, or it asks me to verify information that does NOT belong to me. Then I am told they are unable to get the information and I must speak to a representative. The information I am asked for belongs to my sister whom I shear a birthdate with- the month and day are the same, but the years are different. At this time we share an address as I am currently living with her, however, our credit information is NOT based on our living situation OR our birthdates. How in heaven am I able to get the proper information if this company will not allow me to access it?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I notified Experian that there are unauthorized and unverifiable information being reported to my consumer report, I have to give Experian written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon. In light of the recent investigations brought upon Experian Ive found that my consumer file has been tampered with. Experian have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. Experian is continuous reporting unverified accounts on my consumer report. XXXX did the right thing by removing the inaccurate, unverified information from my report once they saw it was violation of my consumer rights, Experian is still reporting this information which does not line up with my other Consumer reports. For the past 2 year I have made several attempts to remind Experian of their duty to uphold the law, my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Experian Certified documents under the penalties of perjury to support my claims. Experian has infringed upon my basic consumer rights. It is their responsibility to make sure all information is accurate and in perimeters of the law. Experian is continuing to ruin my reputation. It's unfair that i'm not able to support myself due to the things that being reported to my consumer report. Credit Reporting is voluntary and always has been according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX occasions, XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, my student loan provider, XXXX XXXXXXXX XXXX, has reported the XXXX separate accounts that I had with them as XXXX days late. I had a forbearance in both instances as I was in graduate school. 

I have disputed the account reported with my now-former loan service providers and the XXXX major credit bureaus on multiple occasions to no avail. These attempts have been since XX/XX/XXXX.
Product: Checking or savings account

I am writing in response to the letter from Revolut letter ( Revolut ref : XXXX CFPB XXXX : XXXX ) regarding my complaint about the unauthorized transaction of {$XXXX} made to XXXX on XX/XX/2024. I appreciate the attention to this matter, but I must express my continued dissatisfaction with Revoluts  handling of my case. 

In their response, they stated that follow-up messages were sent to me via Revoluts in-app XXXX on multiple occasions, requesting additional information regarding the transaction. They further mentioned that I have been unresponsive to these messages. However, I have checked the in-app chat multiple times daily and have not received any such messages from Revolut.

I request that Revolut provide proof of these communication attempts. It is essential to understand whether there has been a technical issue preventing these messages from reaching me or if they were never sent. I am prepared to provide evidence of my in-app XXXX XXXX to demonstrate that no such messages were received. 

Moreover, my chargeback request was denied based on an assumption that I authorized the transaction, yet no substantial evidence proving this claim has been provided. The supposed evidence from XXXX indicating that I booked a round trip from XXXX to XXXX is not something I recognize, and I would like to see this evidence for verification. As previously mentioned, anyone with my information could have made this booking fraudulently, which is why I filed the chargeback request immediately upon discovering the transaction. 

Additionally, the partial refund of {$XXXX} provided by XXXX does not address the core issue. Since I did not authorize the transaction and did not take any of the flights, the full amount of {$XXXX} should be refunded. 

I urge Revolut to re-evaluate my case, taking into consideration the lack of received communication on my end and the absence of clear evidence that I authorized the transaction. If this matter is not resolved promptly, I will be compelled to escalate the issue further, as it is clear that the current resolution process has been inadequate. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please provide the requested proof of communication attempts and re-assess the validity of my chargeback request. 

Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as XXXX XXXX XXXX XXXX and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year.

Credit Acceptance corp
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months
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 XXXX XXXXXXXX, Account number : 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 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 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 reporting, credit repair services, or other personal consumer reports

As a victim of identity theft, I previously requested a 7 year Extended Fraud Alert Security Alert, which had previously been granted by TransUnion and was set to expire in XX/XX/XXXX. This can be seen on page 23 of my XX/XX/XXXX TransUnion credit report. 

As of XX/XX/XXXX, the Extended Fraud Alert is no longer listed on my credit report. As a prior victim of identity theft who was granted an extended fraud alert through XXXX, there is no reason the extended fraud alert should have been removed from my credit report.