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

This information on my credit files is inaccurate and does not belong to me. My personal information was in Transunion, XXXX, and XXXX data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over 100 inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

XXXX XXXX XXXX # XXXX {$430.00} XXXX # XXXX {$300.00} XXXX XXXX XXXX # XXXX {$430.00} XXXX XXXX XXXX # XXXX {$480.00} XXXX # XXXX {$220.00} XXXX XXXX # XXXX {$220.00} XXXX # XXXX {$430.00} XXXX XXXX # XXXX {$130.00} Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over 10 years old on my credit files and it has reach its limit and i would like it removed.
Product: Credit card or prepaid card

I am a XXXX women. Yesterday I attempted to contact XXXX XXXX to find out what the problem was. And why my account is XXXX balance with a {$15.00} credit yet I can not charge. Anything over {$9.00}. I was in formed XXXX XXXX had not released the funds. Yet my account reflects they took the money out of my account XX/XX/2019. The Tech handling my called informed it will not be released until Friday XXXX. I received false alerts like my account is updating. Yet it cant be used. How can you constitute this as a rebuilding process for credibility when it is being manipulated. Yet if I dont pay or choose to manipulate the process it is counted against me. And the company continues their practices to manipulate my integrity with alerts or delayed payment process. Thr accusation the account is negative. When I actually have {$310.00} in credit for use but can not use. How is this a rebuilding as advertised a credit card resource to establish.
Product: Mortgage

Payments on my mortgage loan are due on the XXXX of each month. Between the months of XXXX and XX/XX/XXXX payments were wired to my mortgage company, yet they claim that I was late because they did not apply the XXXX payments to my account and returned the wired payments back to me. 
I have no idea why PHH Mortgage Services would do this to me and then report that I was late on my mortgage when I have consistently overpaid my mortgage and am actually paying off the note almost XXXX years before it is due ( its a XXXX  year term ). 
I am including a letter from PHH Mortgage Services where they confirm that they received the XXXX payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. PHH also confirms in their letter that they returned the payments back to me instead of applying those XXXX payments to my account. 
Whatever reason XXXX gives as to why the payments were returned is irrelevant as payments were wired to XXXX and should have been credited to my mortgage/principal/interest/etc. If any overpayment was made, XXXX should have just sent me a refund check ( just like I would receive if I overpaid my credit card, or car loan, or any other credit account ). 
Instead of XXXX being a good servicer of my loan, they returned the wired funds causing my loan to appear delinquent. This reporting made my score drop by about a XXXX points. 
Of course I have attempted to clear this issue up with XXXX 's customer service, however, XXXX is not taking any responsibility in this matter and continue to show lack of customer service, poor judgment, and refuse to make any corrections to my account and credit reports. 
XXXX claims they are reporting accurate information, however, I did not make my payments late! My XXXX payments were wired to XXXX in a timely manner and they should not be reporting any negative information as they are the ones who returned my payments!
Product: Credit reporting

XXXX XXXX XXXX has reported on two occasions within the last two months a collection account to all credit bureaus in my name in error. This reporting problem /error was cleared up in XX/XX/XXXX and was deleted by Stellar but was again reported as a collection account XX/XX/XXXX. This has caused my credit score to dropped, undue stress, countless hours of time spent on trying to get this resolved. Additionally, I was not notified that a collection item was reported. Only because I pay credit bureaus to monitor my account that I was alerted of the collection account. This is not fair to me and I am hopeful that XXXX procedures are reviewed so consumers like me are n't subject to this unfair, illegal and embarrassing practice. this has to stop -- -so damaging.
Product: Debt collection

AR resources debt collectors trying to get money from patient when insurance say we are not responsible for payment to Dr or collection agency in the amount of XXXX, insurance has contacted Dr and collection agency but still shows up on XXXX credit report. Have documentation to support that we have no responsibility to Dr or collections. We paid our copay in full at time of service. Emergency room visit. This was an emergency room visit and our obligation is a flat XXXX copay per our insurance policy which was paid in full by patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

2. XXXX XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.
Product: Debt collection

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

There is an account reporting for a collection/chargeoff that does not belong to me. I have sent numerous letters to all three credit bureaus to investigate this account and all they do is say it's been verified with no dispute results or proof that the collection was validated. I know it couldn't have been validated because this account does not belong to me!!! 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalanceOwed : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX to try to resolve the issue and I was told by a representative, they did not have access to may account history. I had applied many years ago for XXXX XXXX, always paid onetime, then used the account again, paid it off and the company continued reporting account not paid. I am asking for complete debt validation claim, with account complete history to match my records, with my original signature. 
XXXX was a store I visit once a year, specially during holidays only and I always paid off my balances.
Product: Mortgage

i have had this loan about 2 years i was under the impression that the escrow would start at the beginning of the loan just before the due date on my home insurance was due i was informed by XXXX XXXX XXXX that insurance had not been paid this was almost XXXX XXXX years ago i paid the insurance from XX/XX/XXXX to XX/XX/XXXX my insurance was re evaluated and increased by about {$400.00} per year i received a bill XXXX for back pay and increase at the same time they have made XXXX payment in XX/XX/XXXX now they want 12 months back pay pluss an increase my phone # is XXXX e-mail is XXXX XXXX can scan and E-mail you the letter
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 Experian has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed Experian that I was affected by ID Theft and my information was compromised. These is not credit transactions initiated by me. Additionally, I will be filing federal complaints against Experian for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Experian failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. Illegal accounts include are : Fraudulent Account/ Transaction/ XXXX XXXX Account # XXXX Balance : $ XXXX Opened : XX/XX/XXXX Fraudulent Account/ Transaction/ XXXX XXXX XXXX/ Account # XXXX Balance : $ XXXX/Opened : XXXX XXXX, XXXX Fraudulent Account/ Transaction/ XXXX XXXX XXXX/ Account # XXXX Balance : $ XXXXOpen Date : XXXX XXXX XXXX, XXXX This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested to provide verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Experian a fair opportunity to clear this up, however I am still being harassed.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant laws in XXXX, Missouri. 

It has unequivocally come to my attention that SELF / LEAD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly in XXXX, emphasizes the necessity of consumer consent for credit reporting. Identity theft and fraud laws in Missouri underscore the severity of unauthorized access and misuse of personal information, further supporting my position. 

I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF / LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes in Missouri. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened my checking account with Citibank XX/XX/year> and mobile deposited a federal tax return check the same day ( XX/XX/year> ). On XX/XX/year> I received a notification that my check deposit was delayed and that the funds would be available on XX/XX/year>. On XX/XX/year> my account was blocked without warning and I could not access my online account. I called Customer Service on XX/XX/year> and was told that I needed to contact the XXXX Department for possible fraud issues with my check. I was able to get ahold of the XXXX Department on XX/XX/year> and was told that my account was flagged for possible fraud due to the federal tax return check I deposited. I was told that my account was being reviewed and that I would know on XX/XX/year> if my account would be unblocked and if I would have access to my funds. I called today, XX/XX/year>, and was told without reason that my account was being closed and I would receive a check in XXXX weeks as a refund for the check that I had deposited. I need the check sooner than that but they are saying that it takes 60 days for the account to be closed out and that I have to wait until the account is closed. They are essentially holding my money hostage and I am not okay with that, there is no reason that I should have to wait 60 days to be sent my money.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually account that belongs to me
Product: Mortgage

They claim I'm in a bankruptcy and I'm not I've been cleared since XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to a XXXX  XXXX  store applied for the credit card their lender is Wells Fargo and I was denied credit. on XX/XX/XXXX I received the letter with a message stating " Unable to authenticate identity of applicant '' so I contacted Wells Fargo for further explanation regarding this and which information will they require to consider my credit card application, upon discussing the agent states they use " systems '' that if information doesn't match the system they can't move forward with the application to review my report and confirm the accuracy such as addresses, phone number, fraud alert. I immediately pulled a copy of my report on XXXX the only thing in my report is this under the special messages section " INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/XXXX '' this is because I became officially a legal resident of the USA as of XX/XX/XXXX, the problem that I am having with this company is because my wife who is a citizen of the United States share same accounts in our credit report and to my surprise she applied the same day as me and she was approved immediately even though our credit history is similar due to our joint lines of credit, I have excellent credit 0 negatives remarks and no fraud alerts for them to state " they need to confirm my identity '' and that I can't even provide them my information to validate my identity I feel discriminated, I only have one address and that is my current, I looked at phone numbers it only contains my wife 's and my cellphone number I feel this is credit discrimination due to being qualified for the credit card my score is XXXX and no real explanation has been provided to my person. Thank you for your assistance and take my complaint. this is not against XXXX  because my report is accurate this is against WELLS FARGO BANK N.A
Product: Debt collection

My name is XXXX XXXX. 
I have noticed that a medical account this month from XXXX from Professional Recover. 
This yr in XXXX was the only time I been to hospital to be seen since I had my daughter in XXXX. I have had my identity stolen before. which I have records of that.
Product: Checking or savings account

Numerous complaints have been filed in regard to a close out check sent to me which had a stop payment placed on it prematurely and a second replacement check which was intercepted, cashed by a third party while I was on vacation, away from home. The account in question was opened as a result of data breach as well as two credit accounts, all with Capital One. Prior to this, Capital One had my personal information as I've had accounts as far back as XXXX, the data breach exposed my personal information and these accounts were opened as a result. The first check was sent to me on XX/XX/XXXX, received on XX/XX/XXXX, I left for XXXX XXXX on the following morning, XX/XX/XXXX at XXXX XXXX. I received an email from XXXX showing a package from Capital One was sent to me on or around XX/XX/XXXX, delivered on XX/XX/XXXX I believe. I do not have UPS tracking info available to me. Capital One is more than aware of this information from prior complaints and attached files showing my whereabouts at time check was intercepted and cashed. They also have information pertaining to the person whom cashed the check, however, they will not address it or compare signatures on both checks. They choose to mark my complaints as duplicate when in fact they are not, this is to avoid addressing the information I've shown as far as whereabouts and person whom cashed check in my name. I request copies of three checks, first one sent on XX/XX/XXXX with a stop payment on it, second one intercepted and cashed by third party, third one sent covering overdraft fees due to stop payment.. A XXXX XXXX agreed to refund overdraft fees and sent a separate check covering them. I need copes of these checks for the attorney representing me in the data breach. I also need copies of statements from all three accounts, the check and two credit accounts which include a Mastercard and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


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 may 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. 


EQUIFAX XXXX 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Due to lack of physical verifiable proof the agency did not provide by the required timeframe of FCRA laws they must block and delete each account listed in my complaint. For each violation can pay u to {$1000.00} and I had several listed. Couldn't upload all documents so I will mail them in to the CFPB and the credit Agency
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. 
Account name : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights .

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 signed up for a financing office through XXXX, serviced through Barclaycard US and the user agreement and deferred interest was not clearly explained or stated as I was mislead to think that it was an non interest incurring financing period, not a deferred period. I would have never signed up for the promotion had I known it was deferred. I was charged {$490.00} of interest on a product that I did n't think would be accruing interest until the no interest period ended. I do n't feel as though I should be responsible for this mislead charge. Their claim is that this is stated on my paper billing, but I get paperless statements and its not reflected there.