23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Earlier before today, l had told American Express that because of the COVID-19 emergency disaster and declaration on-going that l will not be able to commit to pay them any money unless l have it. The declaration also calls for non-collection, non late payment reporting to the credit bureaus and for creditors to follow " Fair Credit Reporting '' this time around. l hope this my assumptions are correct because as a business and a person, that is all l heard. 

But today, unfortunately it just came to my attention my credit file contained a collection account from a third party business called XXXX on behalf of American Express. In the conversation, it sounded like American Express deceived this collection agency and gave them my business account balance and told them it was my personal credit card account when indeed l never had or had long ceased to have a personal credit card with American Express. Talking to one Mr. XXXX, he imposed on me that the account in question is my personal credit that l owed American Express. His lies are so bare that he jumped from talking to me to wanting to talk to my nephew XXXX who lives in XXXX and XXXX XXXX, my ex-bookkeeper who lives in Indiana. 

Initially l thought l was dealing with a legitimate company but when the callers started mentioning XXXX and XXXX, l knew it was a desperate an intimidation strategy. Mr. XXXX if residing in the US, needs to be deported back to his country of emigration or be put in jail for saying he was calling me about my personal credit account with American Express and still wants to talk to the two individuals l mentioned. My also also has told me they called here cell phone looking for me and both XXXX and XXXX. Anyone in this country with an ounce of sense should understand the meaning of privacy. For how can you try to reach anyone for my personal account. 

l did quickly realize that l was talking to a XXXX  when he raised his voice and kept threatening me withe balance which l did not originate as a personal account. This complain is made against American Express and XXXX XXXX XXXX. What a thuggery of an outfit?
Product: Credit reporting, credit repair services, or other personal consumer reports

YXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou have lived at this address XXXX / XXXX  Update Details about the identity theft Theft Incident : Other Identity Theft With what company or organization did the identity thief pretend to be you? Name of an organization representative that you spoke to : Organization 's phone number : Organization 's email address : When did you first notice the problem? If you know, estimate any fraudulent charges.0Account number : Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) XXXX Street address ( including apartment info ) : Country : UNITED STATESCity : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? 
Do you have any additional information about the suspect? 
Update Additional Information Have you reviewed a copy of your credit report? 
Yes Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have you contacted your local police department? 
NoPolice department : State : Have you requested a fraud alert from one of the three national bureaus ( XXXX, Experian, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. 
No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? 
No Were there any fraudulent accounts included in your credit report? 
Yes Update Comments about your situation Personal Statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Update
Product: Credit card or prepaid card

I applied for a Sony XXXX visa credit card and within few days my application was denied due to a fraud alert in place and this bank wants to me remove the fraud alert on my XXXX  credit report and a hard inquiry was in place by the bank and this bank wasted my time and I cause a credit point loss on my credit report ..and I dont have anything bad on my credit report and I would like this bank to either remove the inquiry or I can reapply ..
Product: Vehicle loan or lease

XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Az XXXX [ XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, but also damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : XXXX XXXX XXXX Account # XXXX This account is listed as a collection/charged off account on my credit report but I have not received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 
Sincerely,
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed my negative accounts with Equifax. They deleted my accounts that were in good standing in the process. I then called customer service to request that the good items be put back on my credit report. They said that they would n't do it and were very rude to me on the phone. They deleted over 10 years worth of my credit history.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a balance payment due of XXXX cents to my XXXX credit card from Banco Popular. 

When I received the next statement I noticed that I still owed the XXXX cents, and when I called the customer service the lady told me that the charges were reversed because when I called on XX/XX/XXXX to paid, the person took my my information wrong. 

By then they already reported my credit for the XXXX cents. 

Again I made the payment on XX/XX/XXXX for the XXXX cents, they credit my XXXX card and my balance was finally {$0.00}. 

In the meantime, they showed I was 60 days late affecting my credit score with a drop off of over 100 points. 

I called Banco Popular and they told me to write an email to customer service, but I have no response, not even acknowledgement that they read it. 

I made claims to XXXX, XXXX, and XXXX in an effort to clean my record, but they all came back with no changes. 

I am in the middle of a loan for a commercial property and this inconvenience had putting in risk the approval. 

Also because of the XXXX cents credit report that Banco Popular issued, I recieved a letter from XXXX XXXX XXXX. They closed my XXXX ( balance was XXXX ), which also affects my credit history. They stated in the letter it was due to my recent derogatory payments. 

At this moment I am also applying for guardianship for my XXXX son who is going to turn XXXX in XXXX and has a XXXX XXXX XXXX. I need my credit report as it used for the court, and I don't have good credit anymore. 

I've had this XXXX from Banco Popular for 21 years now with a credit limit of {$29000.00}, which I always paid punctually, and it is not my intention to ruin it for XXXX cents. It is very unfair to be punished for a clerk error. 

All I want is to fix my credit history. Nobody in their right mind would ruin their credit for XXXX cents. 

Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681c-2, you are required to block and remove any information from my consumer report that resulted from identity theft within four ( 4 ) business days of receiving this letter and the enclosed documentation. Please confirm in writing that the fraudulent inquiries have been removed and provide me with an updated copy of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i spoke with representatives at XXXX, XXXX, and transunion about validating ( not to be confused with verifying ) of reportings on my credit report, they were unable too. i then asked them for a copy of when i sent any written documents of permissible purpose to validate the inquiries in question and i asked them for an audit trail, again they were unable too.
Product: Mortgage

For the last three months I have tried to put in a loss mitigation application with BSI Financial. The first time I sent in mail correspondence on XX/XX/XXXX to the exact address that they told me to send it too and a month later it came back to me. I then sent an email with everything I sent them to there loss mitigation team on XXXX. I have now been in email communication with them since.They keep telling me I need to turn in documents that I have already turned in I totally, and on XX/XX/XXXX and XX/XX/XXXX I am at a loss. They have told me that until I get these forms turned in that my application wont be filed. They also sent a letter saying if I dont pay by the XXXX they will go into foreclosure proceedings but I cant even get them to file the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts repeatedly for the a few years now with no result. ( XXXX most recent date of dispute for inaccurate reporting ) US Dept. of ED and XXXX XXXX ( past the 6year statue of limitations for reporting student loans ) I have 4 of these accounts reporting to Equifax alone. Two of the schools I attended were closed due to fraud ( misleading students ) I have already submitted my Borrowers Defense paperwork for both schools ( XXXX XXXX and XXXX ). Three additional accounts are big balance XXXX  XXXX transfer accounts ONLY being reported to Equifax .Four accounts are reporting ( Collections /Charge off ) status and they are showing a balance due. Also I have a new accounts that are not reporting to Equifax with is negatively affecting my credit score. ( XXXX XXXXXXXX Account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the following accounts appearing on my credit file by XXXX, XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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 or other personal consumer reports

Requested update to credit reports to reflect current closed and XXXX balance status of account has not been made. XXXX, to date, has only updated XXXX with accurate information. Experian and XXXX continue to erroneously report the account as open with a current balance.
Product: Credit reporting or other personal consumer reports

What Happened : Recently, XXXX XXXX XXXX and XXXX XXXX violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate auto loan information on my credit reports without my consent or proper notification. 

XXXX XXXX XXXX : They inaccurately reported an auto loan ( Account # XXXX ) as charged off with a balance of {$32000.00}, even though I had already paid off this debt in full. 
Additionally, XXXX reinserted this account into my credit file without following proper FCRA procedures, including failing to notify me, which violates USC Code 1681a ( 3 ). 
Since then, XXXX has been harassing me with repeated phone calls and unauthorized communications, causing emotional distress. 
XXXX XXXX : They inaccurately reported an account ( Account # xxxxxxxxxxxxx XXXX ) as charged off with a balance of {$32000.00}. This account is not mine, and I have never done business with XXXX XXXX. 
The company added this account to my credit report without my consent and did not notify me, violating FCRA rules. 
This unauthorized reporting has caused significant damage to my credit score. 
Actions Taken : I have disputed these accounts with the credit reporting agencies, but both XXXX XXXX XXXX and XXXX XXXX have failed to correct these inaccuracies. 
The companies have continued contacting me without my consent, further violating my rights. 
Violations : FCRA XXXX ( XXXX ) : Failure to notify me of reinserted information. 
Unauthorized and inaccurate reporting of auto loans on my credit report. 
Harassment through unauthorized communication. 
Requested Resolution : In order to resolve this issue fairly, I am requesting the following actions : XXXX removal of both inaccurate accounts from my credit reports. 

XXXX XXXX XXXX ( Account # XXXX ) inaccurate reporting of a charged-off auto loan. 
XXXX XXXX ( Account # xxxxxxxxxxxxx XXXX ) unauthorized reporting of a loan that is not mine. 
Cease all unauthorized communications and harassment from both companies, including phone calls and emails related to the disputed accounts. 

XXXX compensation for the emotional distress and damage to my credit caused by both companies : XXXX XXXX XXXX : {$15000.00} for harassment and emotional distress, plus {$25000.00} for credit damage. 
XXXX XXXX : {$15000.00} for unauthorized reporting and emotional distress, plus {$25000.00} for credit damage. 
Compliance assurance : Both companies should provide written assurance that they will follow FCRA laws in the future and handle any further disputes or reporting accurately and legally.
Product: Credit reporting or other personal consumer reports

Hi I am a single mom trying to make life work and to see all the fraud happening to us Americans is disgusting. Im here to take a stand and I wont go down without fight.

1. 
These fake bureaus. ( TransUnion, XXXX and XXXX ) have too much misinformation about me online for public consumption. 

My info has been leaked. 
The person who made the report I had no dealings with. 
A lot of the info is WRONG or has inacuracies that dont line up starting with : my birthdate, Address, credit score, employment, accs open closed, derogatory, collections, ( BALANCE DIFFERENCES BETWEEN EACH Bureau {$11000.00}, XXXX, XXXX??? ) 2. 
XXXX ( XXXX XXXX specifically ) for having a breach and my social being stolen 3. 
XXXX bank credit card says terminated and inactive which is not true. 
4. 
XXXX XXXX financial I am suing because they did contract fraud and sold out my social. Obtained securities 2x on my behalf. Then SOLD MY DEBT WHICH IS ILLEGAL.

5. 
XXXX XXXX XXXX ( original was XXXX XXXX  XXXX ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf.. 
6. 
XXXXXXXX XXXX XXXXXXXX ( original was XXXX ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf. 
7. 
XXXX ( original creditor is XXXX ) I have a billing error they wouldnt honor. 
THEY THEN SOLD MY DEBT WHICH IS ILLEGAL. They obtained securities on my behalf. 

8. 
XXXX ( original creditor XXXX XXXX XXXX  ) They failed to provide services to my child. 
THEN SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. 
9. 
XXXXXXXX XXXX ( original creditor XXXX XXXX XXXX  ) I needed dental attention and got it with my securites. They sold my debt WHICH IS ILLEGAL. 

I wish for my privacy to be just that. 
Transaction history is not only illegal but the inaccuracy on my report is childish. And every single piece of it is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I, XXXX XXXX XXXX, original creditor/consumer sent all three major credit reporting agencies Affidavits of Truth with simple demands. I gave each agency 21 days to fix the credit reports with my written instructions as shown in the attachments. I even attached copies of the law to each letter for each US code. I have only heard from one agency via mail and that agency ( XXXX  ) did not respect my demands. Im sure the other two agencies didn't respect my demands either as I didn't receive mail from them within the respected time frame. Find attached XXXX  letter with incorrect information and " dispute results ''
Product: Checking or savings account

I purchased what I thought was XXXX dollars of XXXX Clothes. 
In XXXX on the XXXX I discovered I was billed over XXXX! 
I immediately called Suntrust I was told to wait 6 months. 
Over and Over again. I was told to wait 6 months. 
I waited six months. In that time I contacted the seller 5 times to no answer. 
I contacted XXXX. They sent an email stating it would have to be a bank reversal as this consultant had no answered their emails or calls as well. 
I opened a fraud case # XXXX. First the money was put into my account and then I received a letter. It said they had made a mistake and took it out XX/XX/XXXX. 
Next I received a letter saying I had to file within 60 days so they closed the case, I was told 6 months via phone in customer support NOT 60 days.
Product: Money transfer, virtual currency, or money service

I sent my money to the wrong person using XXXX and i wasnt able to receive my money back from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX  XXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX  & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation oXXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting

On XXXX XXXX of XXXX there was a hard inquiry initiated by XXXX XXXX XXXX XXXX on my Transunion credit report. This WAS NOT authorized by me and I have never done business with this company or any of its affiliates. I have contacted the company on XXXX occasions to find out why this was done and have the inquiry reversed or cancelled from my credit history. No one seems to know what happened and what to do to resolve. The last contact with XXXX XXXX XXXX was XXXX on XXXX/XXXX/XXXX ( XXXXXXXXXXXX XXXX who is the Corporate Business Manager for the company and she can not confirm an account in my name nor credit search initiated ( for XXXX XXXX, XXXX XXXX XXXX. She contacted the Credit Bureau XXXX XXXX XXXX ( where XXXX XXXX XXXX resides ) and spoke with XXXX XXXX XXXX XXXX ext. XXXX ) whom called me and told me to contact Transunion and have the inquiry reversed. I told her I have already contacted Transunion and was told to file a complaint with CFPB. Why was this credit inquiry done and what can be done to prevent it from happening in the future. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXXXXXX. XXXX XXXX