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

My credit report contains a significant number of unauthorized requests, as well as reporting of fraudulent accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting you to please remove the following items off of my Credit File the sooner the better : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$2700.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. PLeas eacomply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.
Product: Mortgage

Chase acquired my loan from EMC, which acquired my loan from XXXX. 

My original loan was {$15000.00} ( Exhibit XXXX ) in XXXX. The way it got to {$24000.00} was the fault of Chase and its subsidiary, EMC. They foreclosed on my house while I was making payments and they were accepting the payments ( Exhibit XXXX ). Next, while I was out of town, they came into my house and changed the locks. 

I responded to their suit, pointing out that I had the affirmative defense of making my payments and they were collecting the payments and cashing the checks, sent from my bank ( Exhibit XXXX ). They offered me a modification and I was advised to take it, so I took it ( Exhibit XXXX ). I was not aware that the modification included paying for them to come into my home and change the locks ( Exhibit XXXX ). However, the agreement simply refers to {$8800.00}. As I now understand it was to exclude foreclosure fees ( Exhibit XXXX ). However, their documentation clearly states it was foreclosure fees and fraudulent inspection fees ( Exhibit XXXX ). They charged me {$2100.00} to inspect and appraise my property while I was making payments and for a foreclosure that was dismissed ( Exhibits XXXX and XXXX ). However, the dismissal clearly states that each party was to pay their own costs. I thought the matter was settled. 

In settling the suit, Chase 's subsidiary agreed that they should pay their own fees, and for this reason, I thought the modification was null and void. However, they went to court to enforce it and won. These were the kinds of practices I believe the agreement with the attorneys general attempted to address. 

Chase makes much of modification agreement by me in XXXX XXXX ( Exhibit XXXX ). That agreement required me to pay a certain amount to EMC, Chase 's subsidiary on a certain day. I explained to the debt collector that I could pay the amount two days later. He told me that would be fine. I made the payments, as we agreed, but I had to send XXXX XXXX, because my bank would only allow me to withdraw a certain amount in each transaction. EMC held the money for several weeks and then sent it back ( Exhibits XXXX ) The agreement was offered by " XXXX XXXX '', a pseudonym. As I understand it, it is illegal for a debt collector to use a pseudonym in this manner, according to the FDCPA. 

The problems with this are that, as I understand it, the FDCPA requires debt collectors to tell the truth. If it was not okay for me to send the money in XXXX XXXX and two days after the agreed day, he should n't have said it was alright. 

Lastly, if Chase has declared my loan in default and foreclosed, can they charge interest on a defaulted loan. This is what they are trying to do. As a result of the agreement with the attorneys general, Chase agreed stop such practices and to reinstate loans such as mine, as well as repairing our credit and paying us {$15000.00}.
Product: Prepaid card

I received a American Express virtual gift card with value of {$100.00} [ confirmed to be active and loaded with the aforementioned amount ]. 

When attempting to use the gift card for online merchants, I have been declined multiple times across multiple vendors. In the attached documents, I provide screenshots from my recent attempt to utilize on XXXX ; I also include my card information details from the American Express website. 

I have read online that many people are having the issue for month and some have had luck using their gift card in-person at stores. However, my gift card is virtual so using in-store is not an option.
Product: Debt collection

Debt of 2019 to XXXX company in collections for about {$2100.00} Other companies have removed it except transUnion
Product: Credit reporting

Disputed information with credit bureau because information was disputed with agency first and they did not validate nor respond and credit bureau still lists as verified without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

Under Sec. 602 " I Have A Right To Privacy ''
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Bankruptcy Chapter XXXX Bankruptcy - XXXX Chapter XXXX Bankruptcy - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - {$0.00} Personal Information Former : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX  XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Product: Credit reporting or other personal consumer reports

As I am reviewing my credit profile, I see a lot of XXXX XXXX to my credit profile that I do not understand. First, I was born in the state of New York. I've NEVER resided in any other state besides New York.The trail of improper addresses started from XXXX, New York and worked it's way all the way to the state of North Carolina. This is a blatant sign of " IDENTITY THEFT ''!! 

The proper address that's suppose to be on my credit report is XXXX XXXX XXXX XXXXXXXX, XXXX, New York XXXX '' that address has NEVER been reported to my credit report and I am trying to figure out why? I see addresses reporting to my profile that is absolutely incorrect, I have listed them below so you guys can review them and delete them immediately because not only do I have incorrect addresses but, I also have unauthorized accounts and/or inquiries that I did not make and I know that the first step to resolving this is contacting you guys after doing my due diligence. I would greatly appreciate it if you guys can remove these addresses immediately! It is affecting me in ways that I can't even explain. For someone to do this to my credit report is absolutely absurd and for I to not have knowledge of this is very embarrassing! I will be making a seperate complaint about the unauthorized accounts as well, I wanted to make this a seperate claim. Thank you! 

Incorrect/UnAuthorized Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX and Equifax credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my fileXXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX
Product: Debt collection

The CCS Companies & CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX To whom it may concern : I'm unaware of this debt, I didn't have an opportunity to dispute this information, If in fact you believe you gave me proper notification, then please send the certified mail with a receipt with my name and signature on it, in the state I live in, stating that I received it. 
Please give me the method of validation, regarding the right to collect on this debt, meaning who you talked to, their email address, and their phone number, within the next 15 days.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX  {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} Personal Information Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This has been happening for months, I can not get my credit report on XXXX i used to be able to see the information on there but now i get an error every time even on mobile. 

XXXX and XXXX i have no issues when i need to view my score. only with XXXX not sure why this happens with their site but i have tried everything known to man. the website is broken for me therefore i can not access my report for free via their website. and doing further research online, im not the only one with this issue either, im not too sure what to do besides pay for the report from another company
Product: Credit reporting or other personal consumer reports

I sent a letter to the bankruptcy court concerning the dismissed bankruptcies that have been added to my public records on my credit report. I was told that the court does not share this information with the credit reporting agencys. With that being said, Experian, XXXX and XXXX have violated 15 USC 1681i.
Product: Debt collection

On XXXX XXXX I sent a Debt Validation Letter to XXXX XXXX and they responded that it was sold XX/XX/2023. This account is not mine. XXXX XXXX removed the account off all credit reports but sold it to National Credit Adjusters.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

WELLS FARGO CARD SER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a balance of {$280.00} on a closed credit car account. How can there be a balance on a closed account? The account was paid off years ago and this information they are reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXccount name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  Account name : 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 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, credit repair services, or other personal consumer reports

An account was opened in my name on XX/XX/XXXX with XXXX XXXX XXXX, on XX/XX/XXXX for a XXXX XXXX credit card and on XX/XX/XXXX for a XXXX XXXX  account XXXX All the accounts opened were a result of identity theft. -- -- -- -- -- -- I did not apply for credit with XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX/XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX or XXXX XX/XX/XXXX. I have attached my W2, utility bill, and identity theft report.
Product: Debt collection

XX/XX/2020 I was sent a letter stating my loans were XXXX. Also my loans were removed from my credit report last year around XXXX and was false reinserted on my report after doing so. By search of public record this company has no license or authority to do business or try to collect funds in the Territory/State of GEORGIA which I am a resident of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with Experian over incorrect information in my credit bureau report. I filed online and it would not allow me to upload documents so I was only able to write an explanation of what was wrong. I called an Experian Dispute Specialist at the number in the error message ( XXXX ). After being on hold for 30 minutes I was told the correct number was XXXX. I spoke with someone who told me to try to upload again. I tried again with the same results. I was trying to dispute five accounts so it was not a small amount of time. I got a message on XX/XX/2021 stating the results of my dispute were ready. When I opened it up, three were still wrong. It said I can add additional information so I uploaded documents along with an explanation for each one. Then it said it deleted everything because it said it timed out. I tried three times and each time I got a message that it timed out. The latest report number they gave me is XXXX. I have spent so much time on this, not to mention I have to do it for all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reported a theft with my former bank account and it was identified that 4 people had deposited 4 checks into a XXXX XXXX  account ( totaling {$40000.00} ) that were written from my account. The Bank Account I had at the time was XXXX XXXX  ; I steadfastly worked with them including affidavits of theft and XXXX Police reports were filled at the time last year. Recently, I learned I was denied for housing due to these reports within my consumers report which I was cleared of such last year. Now, almost a year later, I have a major issue obtaining housing. It seems that victimization of these checks still reside, when they are not to be listed, this false reporting was to be corrected when I submitted these reports last year.
Product: Credit card

I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, I noticed that Capital One had placed an inquiry to my reports on XXXX. 

After speaking with representatives from XXXX, I was told to notify Capital One in writing and wait for their response. Once I received a response, stating that the inquiry should be removed, I was to forward it to XXXX. This is their procedure for removing a Hard Inquiry. 

I sent a certified letter to Capital One and it was delivered to them on XXXX XXXX, 2015. The letter asked them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. 

On XXXX XXXX, 2015, I received a response from Capital One. However, the letter I received did n't indicate whether I had applied for credit with them. It was informing me of the different types of inquiries, which I already had knowledge of. So, I contacted them by phone and was told that I had multiple accounts with them and one is presently documented as a paid closed account on my credit report. I asked the representative if she could forward me any information regarding these accounts and after nearly XXXX minutes on the phone, she encouraged me to communicate with the credit bureaus. 
I have never had an account with Capital One and I have never applied for credit with Capital One. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.
Product: Credit reporting or other personal consumer reports

I have recently disputed a XXXX XXXX account XXXX XXXXXXXX. This account is fraudulent and is not my account l. I've disputed XXXX and asked for proof and also the credit reporting agency. The response back from the agency is they have verified the account.

15 USC 1681I ( 7 ) method of verification This law demands proof of the investigation that took place to verify the account.

If the credit reporting agency can not provide it they must delete the account.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance : {$86000.00}
Product: Student loan

My loan ( which had been refinanced/consolidated and was in good standing ) was servicing transferred American Education Services ( AES ) from XXXX. Upon servicing transfer, AES changed the terms of the loan, including interest rate, amount due, term, etc. According to their information, this loan is now in Forbearance and they are charging me interest only payments rather than applying the amount to principal that was specified in the previous loan agreement. I have requested multiple times for them to research the history of the loan and correct their mistake, but they have chosen to do nothing. I asked them how they were justified in changing the terms of the loan under a simple, servicing transfer, but they insist that the loan was in default. XXXX 's records will show otherwise, but AES has elected to not research the history of the loan and update their records.