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

I am a victim of identity theft and must continue to review and correct my credit file due to fraudulent accounts reporting within my file. The fraudulent accounts are XXXX XXXX accounts and a XXXX account. I also have several inquiries that were not authorized by me and are fraudulent. The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22, XX/XX/22 and XX/XX/22 ), XXXX ( XX/XX/22 and XX/XX/22 )
Product: Debt collection

In XXXX of 2024 I began receiving calls from a collection agency trying to recoup a debt of {$2000.00} for student loans. I never attended college and have never opened student loans. This being the case I assumed that it was a scam call. I informed them that I never opened any loans for college and hung up. They proceeded to call me throughout the entire year of 2024 and I repeated this process every time.
Product: Debt collection

The company is trying to request debt that is not mine and opened a collections account. The collections company said I owed a debt of {$1600.00} from XXXX of XXXX which goes directly against the statement I have of what I owed the apartment company due on XX/XX/XXXX. The charges that the collections company shows does not even make any sense. They claim I owed utilities from XXXX and XXXX of XXXX which is made up as the utilities were held in my name directly and not the apartment buildings. I have the utility account numbers and proof of having accounts directly with the utility companies. I have also attached my lease which shows under number 7 that the company did not pay utilities as there were no boxes checked indicating that they were responsible for them. Also the account number on the statement they provided me is not the same account number I had with the apartment company which I also have proof of. Lastly, this company claims two payments was made on XX/XX/XXXX in my name one of {$33.00} and one of {$1000.00} which I did not pay as this is not my debt. The last statement I received from the apartment company was on XX/XX/XXXX. Lastly the collection agency is saying I owe damages for cleaning, painting and carpet cleaning which does not add up as no damage was done beyond normal wear and tear and plus I never received anything from the apartment company claiming these allegations. I told the collection agency two separate times that this was not my debt and I want to dispute it. Bases on all the facts above and most importantly the fact that the account number they provided me was wrong, this is not my debt as I have no association with the account number they gave me. It seems to me this is an attempt as a money grab.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 someone at my previous address opened a XXXX XXXX   service in my name. The bill came to my current address and I called direct tv to tel them know it wasnt opened by me. It was a fraudulent account made by the new tenants at my previous address. I got a police report and a verification letter from XXXX XXXX and they closed the account. I sent the letter and police report and letter from XXXX XXXX but equifax did not dilete hard inquire and Ive disputed this over 4 times. My wife didnt have a proble getting it removed off here credit from Equifax but they are not working with me.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I purchased a phone from XXXX XXXX i was XXXX driver and my company couldn't contact me so I turned it off with in XXXX hours and I was asked to have it turned in by XXXX. I was late but turned it in to XXXX who was the XXXX at closing time she gave me a card as a receipt and said if I didn't hear anything in XXXX  days it back in stock I called and was told I was good ( FF ) XXXX XXXX and every XXXX to XXXX days my XXXX XXXX is being affected the phone was cleared and locked by XXXX XXXX i don't have nor even have a need for that equipment can you please help me get this corrected with XXXX XXXX thanks in advance XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint on behave of myself. This is not a third party company. Date XX/XX/2020 XXXX Account # XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020 and your report # XXXX shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

The information on my credit report is reporting inaccurate information. The company XXXX  is reporting an account that is not correct and has been removed. However, it is not reflecting correct on my credit report. The account is not mine and I would need to have this removed from my credit. This is identity theft and needs to be taken care of asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit card

This letter is as result of my complaint filed with your agency with case number XXXX and a follow up from Chase with case numberXXXXXXXXXXXX : From the onset, Chase started by stating on XXXX XXXX that no payment was received on XXXX XXXX not taken cognizant of the fact that I was informed that I could utilize the credits granted on that same month following my complaint to your agency, notwithstanding the letter that was sent to you that the credit will be reflected on XXXX XXXX. In fact the XXXX XXXX indicated that {$0.00} past due was owed. 
Chase also indicated that I closed the account on XXXX XXXX, XXXX, that was not a true statement, Chase closed both my personal and business account with the latter having a {$0.00} balance.Chase then reported the inaccurate figure to the IRS and again reported another inaccurate figure to the XXXX credit bureaus. 

If you look at the XXXX XXXX, XXXX letter that was sent to you, Chase indicated that the amount credited was " Courtesy Credit '' which meant it was not going to abide by the promised 1 % .rate. Chase also stated that I entered into balance liquidation program which was inaccurate as I was in negotiation with it on how it should honor the 1 % program. Chase eventually reported an inaccurate amount as a charged off amount since, if it honored what I was promised, there would not be a charged off account. nor would there be complaint to your agency. My account with Chase should be taken into context. As Chase stated, I opened an account with it on XXXX XXXX, XXXX without any late payment until the I noticed that I was been cheated. Reporting the account as a charged off instead of providing me with the promised rate had a lot to do with my complaint to your agency. 
The action it took against me also had a horrific effect since XXXX XXXX XXXX eventually removed a credit card line of credit in the amount of {$29000.00} from my balance informing me that it will be risky due to what Chase had done.. An account that I have built for over a couple of decades. 
I requested the XXXX credit bureaus to remove the negative information from Chase, and every XXXX of them took over 30 days to report back to me that Chase was not going to remove this information in direct contravention of Federal Credit Reporting Act. 

Finally, your agency should take a look at all the Court actions against JP Morgan lately with it 's credit card holders and most importantly with the fact that restitution was paid to me as part of the class action memebr by Chase on XXXX this year with regard to the business practices of credit card holders in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST RECEIVED A LETTER STATING THAT THEY WILL NOT REMOVE INCORRECT INFORMATION THAT THEY HAVE REPORTED ON MY CREDIT. I HAVE FILED A COMPLAINT WITH THE CFPB BUT NOTHING HAS BEEN DONE. I 'VE ASKED THIS COMPANY SEVERAL TIMES TO SEND ME PROOF THAT I SIGNED FOR THIS LOAN/ACCOUNT ALSO ALSO ASK TO SEE THE VALIDATION OF DEBT LETTER. IN WHICH THIS COMPANY REFUSES TO SEND ME. I KNOW THAT.S AGAINST THE LAW FOR THEM NOT TO SEND ME THE INFORMATION I REQUESTED. I 'VE ASKED THEM TO SEND ME THE SIGNED CONTRACT FOR THIS ACCOUNT, BUT THIS COMPANY REFUSES TO SEND ME THIS INFORMATION. THIS IS AGAINST THE LAW. I 'VE SENT PROOF SHOWING MY NAME AND ADDRESS AND THE ACCOUNT THEY ARE LISTING IS INCORRECT. I NEED FOR THE CFPB TO HELP WITH THIS ISSUE INSTEAD OF CLOSING THIS ACCT WITHOUT SENDING THE ITEMS I REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$610.00} ( XXXX XXXX ) XXXX XXXX  XXXX XXXX Balance : {$530.00} ( XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is continuing to report a Credit Builder Plus loan XXXX loan with Moneylion Inc as two payments past due. This loan has never been past due. MONEYLION IS ON VIOLATION OF FCRA and UDAAP. 
Moneylion is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.
Product: Mortgage

On XX/XX/2021 Town Mortgage flagged my credit report with a comment that said my account was {$1200.00} past due for over 30 days. 
I submitted a dispute through XXXX because to my knowledge this information was not accurate. My monthly payment recently increased to over {$200.00} however there was no email, text message, phone call or voicemail from Town Mortgage to notify me of this change. Nor was there any sort of alert on my online account. I simply noticed this increase on the amount due section when I went to pay my XXXX bill online. 
Town Mortgage claims they sent a letter in the mail but I do not have this document they described in my possession and do not recall ever receiving it. 
I did not have enough money in my bank account to cover the new increased mortgage payment at the time that I originally went online to make my mortgage payment for XXXX, so instead I made a partial payment of {$500.00} on XX/XX/2021 and then made another {$500.00} payment online on XX/XX/2021. This is why I feel that is not accurate to say that on XX/XX/2021 my account was past due {$1200.00} for over 30 days. 
My mortgage account was in fact past due at the end of XXXX but only {$250.00}. This was due to the newly increased escrow amount. However this past due amount was NOT mentioned anywhere on my online account, nor did I receive any phone call, voicemail, email alert, or text message to notify me of this past due amount. The only reason I know how much was past due is because I called Town Mortgage on Friday XX/XX/2021 to get clarification and I asked what exactly is the past due balance? It was then that I was told the past due amount was {$250.00} and I quickly made a payment for that amount online. 
I asked if there was anything that could be done to repair the damage that was done to my credit report due to the misunderstanding which was a result of Town Mortgages lack of notification about my past due balance. I was told that they apologize that their notification system is out of date and that sending letters through the US mail is currently their main form of communication to clients. However they informed me they still would not make a correction to my credit report. 
I feel it is extremely unfair and unreasonable for Town Mortgage to report that my account was {$1200.00} past due for 30 days when it was in fact only {$250.00} past due and I was not given ample notification to resolve this and make the payment. I have a history of paying my monthly mortgage on time with this company without fail for over XXXX years now, and had there been more accurate and up to date information on my online profile I would have taken care of the {$250.00} weeks ago. Instead they left this comment on my credit report and my credit score instantly plummeted as a result of the inaccuracies reported on the past due amount on my account. 
Please consider investigating this dispute further. It would be greatly appreciated. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a situation with  XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and  XXXX . It is pa st the seven yea rs that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  XXXX   XXXX  account on the credit bureau reports. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, one of the major credit reporting agencies, for its repeated violations of the Fair Credit Reporting Act ( FCRA ). I believe that XXXX has failed to uphold its legal obligations, causing significant harm to my credit profile and denying me access to vital information about my credit standing. 

XXXX. Inaccurate Data on My Credit Report Despite my numerous attempts to correct errors on my credit report, XXXX has consistently failed to address these inaccuracies. I have filed multiple disputes regarding incorrect information that continues to appear on my credit report. Each time, I have provided sufficient evidence to support my claims, yet XXXX has either ignored my disputes or failed to correct the erroneous data. This persistent inaccuracy is a direct violation of FCRAs mandate that credit reporting agencies maintain and report accurate information.

2. Denial of Access to My Credit Report and Credit Score For the past several months, I have been unable to access my credit report and credit score through XXXX. Despite multiple attempts to retrieve this information, I have been consistently denied access without any valid explanation. This lack of access impairs my ability to monitor my credit health and take necessary actions to manage my financial responsibilities. This, too, is a violation of my rights under the FCRA, which entitles consumers to access their credit information. 

I am deeply concerned that XXXX actionsor lack thereofare negatively impacting my financial standing and potentially my ability to secure credit or favorable interest rates. These repeated issues are causing me undue stress and frustration. 

Given the seriousness of these violations, I respectfully request that the CFPB investigate XXXX 's practices and take appropriate enforcement action to ensure they comply with all applicable laws under the FCRA. I also request that my credit report be immediately corrected, and that I be granted full access to my credit report and score without further delay.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts. While checking my credit report, I noticed accounts, I did not authorize were made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. 
I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I also found fraudulent addresses, inquiries, and collections. 
XXXX XXXX! 
XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX 
XXXX XXXX : {$210.00} Balance updated : XX/XX/XXXX Credit limit : {$500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Credit card XXXX Balance : {$1100.00} Balance updated : XX/XX/XXXX Credit limit : {$750.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Charge Card XXXX XXXX Balance : {$340.00} Balance updated : XX/XX/XXXX Credit limit : {$420.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Charge Card FROUDULENT AUTO LOANS! 
XXXX XXXX XXXX XXXX : - Balance updated : - Original balance : {$9500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Auto Lease XXXX XXXX XXXX XXXX : {$19000.00} Balance updated : XXXX XXXX, XXXX Original balance : {$26000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Auto Lease FROUDULENT COLLECTIONS! 
XXXX XXXX XXXX XXXX : {$360.00} Balance updated : XX/XX/XXXX Original balance : {$360.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$360.00} past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card

We were sent an email about our account being closed due to " History of poor credit performance with Chase Total balance on credit card account ( s ) with us '', which makes no sense. Our credit limit was previously {$31000.00} and was adjusted to a limit that was close to the balance on the account. I spoke with a representative and explained that I had been in an accident a year ago and stopped working for the first six months of 2024. She explained to me that it was due to us having two late payments on the account. I find that to be a very distasteful practice when they essentially took the limit we had that offset the balance/limit ratio. There is another number I can call, but it says they will reconsider and it will result in a hard inquiry ; another distasteful practice.
Product: Credit reporting or other personal consumer reports

TransUnion XX/XX/2024 DEPT ED XXXX {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} Theres no original contract or no original ink signature. 

XXXX XXXX XXXX {$12000.00} Past the statute of limitations XXXX {$8400.00} Theres no contact info available for this creditor
Product: Credit card or prepaid card

On XX/XX/2018, I applied for the Chase Ink Preferred which was placed on pending. I promptly contacted Chase bank to ask about the status of my application around 24 hours later and I was told my social security number did not match my identity which is not true because I've undergone several background checks and identity verification processes in 2018, including one from the U.S. Department of State and TSA PreCheck. 

I was asked to send in a digital/scanned copy of my social security card to XXXX for identify verification to further process this application. 

I immediately complied with all of their requests. I was transferred from one customer service representative to another to only hear the same exact thing : that my identity verification can take weeks to be completed. I am being treated unfairly and was not given a clear path to solving this block in the process.