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 Experian 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 accounts on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of consistent of 1 personal credit card associated with Syncb ( XX/XX/year> ) XXXX for insurance with XXXX  XXXX and XXXX XXXX  XXXX, and from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX. There are also fraudulent reports associated with collections relating to XXXX XXXX from XXXX XXXX And XXXX students loans with Aid vantage on XXXX, and XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned and any associated items be removed from each and every one of my credit reports and that all collection to said items cease pursuant to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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 card or prepaid card

on XX/XX/2021 I over paid my credit card bill in the about of {$2600.00} I borrowed this moeny from another credit card that offered me a XXXX percent interest loan for a year to get ahead of my hi interest credit cards in which citi cards from Cita Bank was XXXX of them ive been trying to get this amount I over paid in the amount of {$2600.00} refunded for over a month now every time I call Im told that within 2 days I will receive the money refunded to my checking account they hjave on file for me however this never has happened for the past 5 weeks I need help in getting my money back from these people at citibank my bills depend on getting tis money refunded please help
Product: Credit reporting, credit repair services, or other personal consumer reports

i have received a credit monitoring alert and identity theft alert from Experian. when trying to log in to their web site i found out that my password has changed and the phone number that thet are using as method of authentication is not mine. tried to call their contact center to ask for help BUT there is no way to speak with an agent - only automatic system that provide information and can not help with this problem. 
the number i used is the number advertised on their wed site as the number to call when customer are facing such an issue
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XXXX XX/XX/XXXXand the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


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

XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  The following hard inquiries are unauthorized. These accounts are frivolous and I need them removed from my consumer report. FCRA section 604 states that " A person shall not use or obtain a consumer report for any purpose unless " the consumer report '' is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ) '' and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer reporting agency under false pretenses.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This section requires credit reporting agencies to block any information that a consumer identifies as resulting from identity theft within four business days upon receipt of a valid identity theft report.

I have enclosed a copy of my identity theft report filed with the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, to support my identity theft claim. The information in question on my credit report is the result of identity theft and should therefore be blocked.

The account listed below is fraudulent and does not belong to me. Under the applicable law, I request that this account be removed from my credit report immediately and that you provide me with written confirmation of the deletion of this information. 
Fraudulent Account to Be Deleted : Account Name : XXXX XXXX
Product: Checking or savings account

I purchased a phone from XXXX XXXX XXXX  on XX/XX/2018 for {$730.00}. On XX/XX/XXXX the phone quit working and was blacklisted as it was reported lost or stolen. The phone i bought was brand new and I'm supposed to be the only owner and I didn't report it lost or stolen. XXXX XXXX XXXX wouldn't do anything to help me. I filed a police report at my local police department. The police report id is XXXX. I paid a lot of money for this phone and i can't use it. XXXX XXXX XXXX  either lied about item being new or has reported it for insurance claim or something. Went to huntington bank as soon as i could to dispute the charge and they denied my dispute due to age of item disputed.
Product: Debt collection

The Original Cell phone bill belong to XXXX dates- XX/XX/XXXX / XX/XX/XXXX First missed payment was in XX/XX/XXXX now another collection company had it over the years ( which The statue of limitations ) has ran out XXXX XXXX has it now and didn't inform me of I can dispute it they also knew it was an old debt and they keep putting on my credit report as if it's an new debt when the account was first opened in XX/XX/XXXX I'd sent an letter to do ( NO RESPONSE ) They have wrong information on my credit report The account is very old and needs to be taken off
Product: Mortgage

On Monday, XX/XX/XXXX, I called my lender BMO Harris Bank to request 12 months of copies of my mortgage statements showing I've paid my mortgage on time, as part of a refinance transaction. I was told by 2 individuals this was not possible because the bank sold their servicing to another company and they lost the history during the transition ... .. On both occasions I asked for it to be escalated and I was thrown in to a black a hole where I had to continue to enter my social security number ( again ), etc., with no one coming back on the line. On the third time, I spoke to a lovely lady, XXXX, who said that they could pull the history, not the statements themselves as she confirmed their was information lost during the transition. Seriously, all statements used to be on my Online banking, now there's a huge gap and no statements prior to the transfer of the loan. 

My issues are : 1. I have to get my loan out of this bank, they are extremely incompetent. How can I refinance to get rid of them if I can not provide the required statement information being requested of any lender for a refinance.

2. How am I supposed to trust that they didn't do anything funny with the amount of money I owe on a loan when they can not produce a paper trail of my statements?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Credit Reporting : XXXX XXXX is reporting a past-due balance from XX/XX/XXXX. However, this account was charged off and should not be reported as an active past-due balance. As well as failure to Provide 1099 Form : I have made multiple requests to XXXX XXXX for a 1099 form related to the charge-off, but despite my repeated efforts since XXXX, I have not received it. As it is now XXXX, this delay is unacceptable and impacts my ability to file my taxes correctly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive proper verification of any debt being reported. A random invoice is not a verification of anything. They have no documents no contract proving I own this account.
Product: Money transfer, virtual currency, or money service

On Wednesday ( XX/XX/2021 ), I received a text message from phone number XXXX with the message that " my Chase account was locked due to suspicious activity '' and the link to an website that look identical to Chase website. In that website, I was asked to provide my personal information including my name, date of birth, address, phone number, social security number, driver license number and Chase bank account information. 

On Friday ( XX/XX/2021 ), during XXXX, I was working and noticed my phone was out of service. I didn't think too much and came home at XXXX realized that my email password was also changed at XXXX on the same day. I contacted XXXX find out what happened and they told me that someone transfer my number from my XXXX card to their phone ( IMEI # XXXX ). I was able to regain the access to my email using my recovery email. When I logged in to my email, I learned that there were 2 transactions happened in my Chase bank account : - {$1900.00} XXXX payment to XXXX XXXX XXXX ( Phone # : XXXX ) - {$10000.00} Online Domestic Wire Transfer to XXXX XXXX XXXX ( routing number : XXXX, account number : XXXX ). 
I went to IdentityTheft.gov to report the incident on the same day. 

On Saturday ( XX/XX/2021 ), at XXXX, I went to XXXX Police Department to report the fraud ( Police report # XXXX ). At XXXX the same day, I went to a Chase Bank branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) to report the problem. The Chase man was able to help me change my username and password, close my Chase bank account preventing further fraud, and report my incident to the Chase Claim Department. I contacted XXXX, XXXX, and XXXX  the same day to freeze my credit line.

On Monday ( XX/XX/2021 ), I received the mail stating that there was a new notice, letter on my Chase account. I contacted Chase to open my account and learned that Chase denied my {$1900.00} XXXX Fraud Claim and no further action will be taken on the claim ( Claim # XXXX ). I contacted Chase Claim Department and learned that the XXXX transaction is irreversible, therefore, Chase is not responsible to refund the fraud transaction. Even though I have evidence proving that my email password, phone number and banking information was changed without my consent, Chase still denied my claim refuse to take any further action to look at my evidence. 

I didn't receive any update on the Online Wire Transfer Fraud claim to this day ( XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, Experian and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, Experian and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, Experian and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCOL SYSTEMS
Product: Credit card or prepaid card

I submitted a payment on my XXXX store card in advance via XXXX store app. Once I realize that the payment pending on my bank account I contact XXXX Customer service to have the pending payment cancelled or edit the payment to another future date because I didnt have enough money to cover the payment until next pay period. I mixed up the Pay date when submitted the payment. 
I was placed on hold over twenty minutes, transfer to CS in the XXXX, lyed to & the payment was submitted 3x even though I tried to resolve this payment issues before the payment process, after the 1st and 2nd payment processed. Customer service finally informed me that once I submitted a payment via XXXX app, in small print, it pre-authorizes XXXX to re-submit a payment 3x. I had never had a return via XXXX  app so I was not aware of this pre-authorization in which over drawn my bank account for {$100.00} and charged me a {$35.00} late fee on my XXXX store card. 
The total fees are too excessive for 1 return payment. My credit card had a positive balance before this mistake.
Product: Student loan

Navient- Numerous times I have to tell Navient how to apply my extra payments. The misplace my extra funds to make it look like I skip a payment and I still get accrued interest on the past interest and the principal amount. The principal amount is full of accrued interest that will never get paid off based on how they tackle the payment. I will never get to the point where I will never pay off with interest accruing over the payment amount. I tried to do income base since I started w navient and ever got approved. I pay the amount and there is always more interest even being on the interest only plan and then getting on regular payment plan there is still more interest than what goes to principal and interest so the extra interest gets tagged onto the principal of the loan. makes no sense I will be forever paying interest even w the princiapal. Ive been paying for 10 years and still have 20 years left. my loan balance original amount is already 4 times the amount with making payments.
Product: Debt collection

XXXX XXXX XXXX ID : XXXX ACCT # XXXX {$43000.00} OPENED XX/XX/XXXX COLLECTION ACCOUNT : NOT MINE AND FRAUDULENT XXXX XXXX XXXX ID : XXXX ACCT # XXXX {$52000.00} OPENED XX/XX/XXXX COLLECTION ACCT : NOT MINE AND FRAUDULENT XXXX XXXX ID : XXXX ACCT # XXXX {$27000.00} OPENED XX/XX/XXXX CHARGE OFF : NOT MINE AND FRAUDULENT
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Equifax are showing my adverse information without my consent, harming me for the acquisition of services or goods
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, were Experian has neither corrected or removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as Experian 's, in action violates federal law and my rights as a consumer. 
This is a list of all disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian is reporting information that is inaccurate. I have an equitable interest in this account. Because this account generates interest monthly from the deposit of my security the balance can not be late as XXXX role would be to apply the interest to settle the balance and refund any overpayments to me immediately as the investor. XXXX has failed to do that which means they have failed to accurately access this account which I am going to notify the IRS of my findings. Experian is being furnished this information and lonely reporting it inaccurately even with my attempts to get the information updated. Since Experian is securitizing this consumer report they have to accurately account for the money received and since they have a financial history the investigation into their wrongdoing is biased as they stand to gain a profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure what is going on with Ginny 's. I have had an account with this company for over seven years and has never been late with a payment. In fact, I have always paid this account in full when ordering items. I have tried to be civil and correct this problem with Ginny 's to no avail. What happened is Ginny 's billing system, where I purchased an item and never received a billing statement until I received a notice from XXXX  that my credit score had dropped due to Ginny 's reporting a 30-day late. I immediately contacted Ginny 's and paid the small amount over the phone. This is dirty pool!!!!! I advised the phone tech to check my payment record where I have never paid late. Why is Ginny 's mistake been reported as a 30-day late and such a small amount? If you want to bill a customer, why not send out a bill via online or through the mail -- in which Ginny 's never did in this instance. Did not even receive a reminder -- nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm sending this complaint to address the inaccurate reporting of Experian. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my account : XXXX Inquired on XX/XX/XXXX 2020