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

This is my sixth endeavor 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 XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} LMMINC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX Balance XXXX {$80.00} ( Original Creditor : ) 14560827****Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1200.00} LMMINC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}
Product: Credit reporting or other personal consumer reports

I reviewer my consumer reports an noticed tha i had two late payments on an account that i was never late three. The consumer reporting agencies have assumed a vital role and have a reposibility to report consumer information to the best of their ability wiht maximum accuracy.I have never been late on payments for the accouts tha i have included screenshot inside thie complaint in on dates of [ XX/XX/2018 ]. Please invetigate and provide proof with statements showing that these payments were late. If proof can't be provider I demand these payments be updated to paind as agreed on time as they should be due to the fact i was never late. Thaks! Please see screenshot attached :
Product: Debt collection

Credit Corp Solutions violated The Florida Consumer Collection Practice Act by failing to provide meaningful disclosure by not notifying me within 30 days of assignment to collect debt commenced as well as engaged in harassment communications, and threatening communications. In addition, Credit Corp Solutions & XXXX XXXX XXXX, P.A XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, XXXX XXXX Attorney for the Plaintiff XXXX XXXX XXXX, initiated a Small Claims lawsuit ; in The County Court and For XXXX XXXX FL, Case No. XXXX. by using " Sneaky and Deceitful Conduct, unscrupulous practices, overreaching, concealment, trickery and other unconscientious conduct which would be condemned by honest and reasonable people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX-XXXX ...., XXXX- XXXX ...., XXXX XXXX XXXX-XXXX ...., XXXX XXXX- XXXX .... Transunion has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to e-Oscar or any sort of automated verification. Again Transunion failed to comply with FCRA section 611 ( a ) ( 1 ) ( A ) and is continuing to further damage my ability to secure credit. Transunion has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account XXXX  need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
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 TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these fraudulent accounts a collections account with XXXX XXXX XXXX opened XXXX account number ( private ), account opened with XXXX XXXX XXXX on XXXX account number ( private ), XXXX XXXX XXXX opened on XXXX account number ( private ), Auto loan opened with XXXX XXXX XXXX on XXXX account number ( private ). These accounts have resulted in several fraudulent hard inquiries ( Bank XXXX XXXX, XXXX XXXX, XXXX XXXX ) and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of Complaint : 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 , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a collections account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX XX/XX/XXXX with a balance of $ ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report.. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was applying for an apartment and the manager called them and my information was released without my knowledge or consent and I was denied the apartment based on the information they released.
Product: Credit card or prepaid card

I called into American Express in XX/XX/XXXX, to explore new credit card options. I spoke with a customer service rep, XXXX, who was very helpful. We figured out which American Express Card would be the best for me, the Gold Card. XXXX asked if he can sign me up over the phone. I told him sure, as long as I receive the welcoming bonus of XXXX points if I spent {$10000.00} in the first 3 months, that was advertised online. He said it does not make a difference if I sign up online or over the phone, I will get the advertised welcome bonus. I signed up online, met the spending qualification in 3 months, and never received my points. I called in to AMEX, made a claim ( Icare # XXXX ). I explained the call was recorded and they can review the call. This was on XX/XX/XXXX, and I was supposed to hear back by XX/XX/XXXX. AMEX did not get back to me, I followed up once prior to XX/XX/XXXX, and once after. After XX/XX/XXXX, only when I followed up, they said they are not going to reward me the welcome bonus points. I called one last time XX/XX/XXXX and asked if I can review the call with them, because the welcoming bonus was discussed 100 % with XXXX in XXXX of XXXX, and it was also advertised on their website. Yesterday, XX/XX/XXXX, The custom service supervisor, her name was ( XXXX ), said there is nothing she can do on her end. So now I am seeking your help, please, in helping me retrieve my XXXX point welcome bonus from AMEX.
Product: Credit reporting or other personal consumer reports

I have made repeated attempts to dispute an accounts on my credit report, yet my concerns have been continually disregarded. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies promptly investigate and resolve disputes brought to their attention. However, despite my efforts to rectify this matter, I have not received satisfactory responses or resolutions from your agency. 

It is imperative that you promptly investigate this matter in accordance with the FCRA and provide me with a thorough and accurate assessment of the disputed accounts. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action to ensure my rights are upheld. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX Balance Owed : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit is reporting a fraudulent account on my credit. I didnt open this account, nor did I authorize anyone to do so on my behalf. Please remove this account from credit file as it doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMSHER COLL ( Original Creditor : 08 XXXX XXXX  ),  AMSHER COLL ( Original Creditor : 11 XXXX XXXX  ), and XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX  XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMSHER COLL ( Original Creditor : 08 XXXX XXXX  ), AMSHER COLL ( Original Creditor : 11 XXXX XXXX ), and XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX  XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

unfortunately i am a victim oXXXX XXXX XXXX  of Debt bondage. i have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after i supply proof of who i am as well as a victim determination letter according to 1022.124 ( B ) ( 6 )
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the error category.

( 4 ) the creditors failure to accurately reflect a payment made by the obligation or credit issued to the obliged on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

15 U.S. code 1681a ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding listed accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error- therefore. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report and update my accounts to paid as agreed. The FCRA allows 30 days for these errors to be rectified. 

With XXXX, Transunion, and XXXX account : XXXX XXXX account number : XXXX Has reported XXXX late payment dates XX/XX/XXXX and XX/XX/XXXX I have never been late on this account or any accounts Account XXXX ( account XXXX XXXX XXXXXXXX ) is being reported on Transunion, XXXX, and XXXX as XXXX  on date XX/XX/XXXX. I have never been late on this account or any accounts on my report Account XXXX XXXX  ( account XXXX XXXX XXXX ) is being reported on Transunion, XXXX, and XXXX as late on dates XX/XX/XXXX and XX/XX/XXXX. It is also reported on my XXXX late also on XX/XX/XXXX, XX/XX/XXXX, and from XX/XX/XXXX through XX/XX/XXXX as late. I have never been late on my mortgage account or any account on my credit report. 

Account XXXX XXXX XXXXXXXX ( account XXXX XXXX XXXXXXXX ) is being reported on My Transunion, XXXX, and XXXX as late on date XX/XX/XXXX ). I was never late on this account or any accounts. 

In XX/XX/XXXX. I mailed XXXX, XXXX, and Transunion to please either show proof of late payments or please update my credit as never late. I have yet to receive a response from them or any update in n my credit report.
Product: Debt collection

Chrysler Capital I do not owe this alleged debt as it is being fraudulently reported to the credit bureaus which is a direct violation of federal law 15 U.S.C. 1692b ( 2 ) 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; and 15 USC 1692e ( 1 ) ( 2ab ) 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Product: Mortgage

I contracted with HomeBridge Financial Services in XXXX for 30 year mortgage. 
I was very happy with my loan with them ... in XXXX of XXXX, they sold my loan to XXXX Mortgage. I received a letter from XXXX that stated I need to get flood insurance. I have been fighting this for weeks trying to resolve the issue. my my loan included a flood certificate dated XXXX which was totally valid but XXXX would n't accept it. my loan should NOT have been sold if they would n't accept the document. now I have spent XXXX already to obtain a document from from FEMA ( pending ) and faced with having XXXX automatically add flood insurance to my monthly payment. which I cant afford right now. I am so unhappy that all of this has happened.
Product: Credit reporting or other personal consumer reports

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

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I brought this problem to your attention multiple times and provided verification of my identity.
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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 an 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.
Product: Mortgage

The below are the dates and the amount, and actions that were taken by you or the company. 
As recent as XX/XX/XXXX XX/XX/XXXX and now XX/XX/XXXX But this has been going on since XX/XX/XXXX Amount : {$97000.00} 3 different times I've reach out to Bank of America : XXXX XXXX XXXX XXXX XXXX, FL XXXX Asking that they correct this error and they said they would not. 

My account was a part of a predatory lending issue in-which XXXX  mortgage excepted a loan from XXXX XXXX XXXX XXXX founder of XXXX XXXX XXXX, to stop all mortgage-related business after discovering that XXXX and his company were originating loans in Maryland without a license. 

My loan was sold to Bank of America and when then got heated in the press : XXXX XXXX XXXX XXXX Fraud with my mortgage XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX They sold the first mortgage and wrote off the second mortgage in-which I was in the middle of doing a loan re-modification with them and they put it on my credit report as a Charged off /Past Due of {$97000.00}. 

This is wrong and this is what I consider defamation of character. 
Now I have already endured XXXX XXXX stealing my equity in my home and writing it up as a second mortgage but to have Bank of America call me a lair and charge this off and put it out there for the world to think I am a bad mortgage owner is insane.
Product: Checking or savings account

On XXXX XXXX i deposit a check through the drive threw. {$1300.00} and XX/XX/XXXX through mobile app, i deposit {$1300.00}. on XX/XX/XXXX, key transfer a automatic {$1000.00} to my XXXX XXXX account. XX/XX/XXXX check for {$1300.00} was a charge back. ( which I didn't find out about until XX/XX/XXXX. ) XX/XX/XXXX {$300.00} transferred to my XXXX account. XX/XX/XXXX XXXX overdraft fee charged me 2 times. XXXX  XXXX XXXX returned item charges 2 ntimes XXXX XXXX XXXX charge back fee. XX/XX/XXXX I deposit money back into the account. Spoke with a key employee at the 1800 number and local branch. Both said they could do nothing. and coulld not gaurentee anymore charges would be charged to my account. I was told to call local manager on tues XX/XX/XXXX. I did and she couldn't help me either. I asked For just no double charges and she said no. 1 key bank - this isn't the first time I recieved charges when I don't believe it was my fault. I was scamed this time with a myster shpopper scam. 2 mystery shopper scam. thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX and XXXX are reporting fraudulent and inaccurate information from 3rd party debt collectors, No consent was given to report to 3rd party. They are in Violation of the Privacy act of 1974, The Consumer information is being shared other 3rd parties without my knowledge or consent. XXXX should not be on the personal credit file. Evidence have been submitted that the company was sent an opt out notice from reporting 17 CFR subsection 248.124, subsection 248.125, 248.126, and furthermore This is a charge off which is now consider INCOME according to the IRS publication and now need to be removed. wasn't given. All of the 3 Credit agencies are being furnished with false and inaccurate information and a violating the consumer privacy. 15 US code 1681b states Any consumer reporting agency that furnished a consumer report under the following circumstances and or other. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 15 U.S. Code 6801 - Protection of nonpublic personal information to insure the security and confidentiality of customer records and information. to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. This is security fraud. Unfair practice and deceptive acts, False information reported.