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

-There are two XXXX student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XX/XX/XXXX. I experienced financial difficulty beginning in late XX/XX/XXXX. Despite making minimum payments, XXXX charged-off the account in XX/XX/XXXX. <P/>-The " second account '' appeared on my credit report in XX/XX/XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two XXXX accounts. I called the number associated with the " first account '' and the recording indicated that XXXX no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service. <P/>-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , XXXX , and TransUnion ). The results of my disputes with the major credit reporting agencies stated that the information for both XXXX accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two XXXX accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts? <P/>2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report?
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3. XXXX has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection account.
Product: Mortgage

In XX/XX/XXXX mortgage company has paid two insurance companies and added their own insurance to my house. Causing a shortage in my escrow and raising my mortgage payment from XXXX to XXXX. I have called the customer service department consistently since XXXX, and every time I speak to a CS rep or the escrow department, they clearly see something is wrong. After speaking with them ( Customer service or escrow ) I get a letter shortly after stating there is a shortage in my escrow and raise my mortgage. The CS department can see that in XXXX they paid 2 insurance companies for homeowners insurance one for {$2600.00} and another for {$3800.00}. After 4 months of going back in forth with them I was told I have 2 active insurance policies on my home. One insurance company refunds the insurance premium ( {$2100.00} refunded to my escrow account, I receive a check for {$450.00} ) and also sends a cancellation later. They ( mortgage company ) presume that the house is not insured and add there own more expensive ( {$3600.00} ) insurance to the home. I still currently have 2 insurance policies on my home ( original payment of {$3800.00} ) and the Company provided insurance policy ( {$3600.00} ). The latest letter received stated I had a shortage of {$5600.00} and my mortgage payment will be {$1700.00} starting in XXXX. I see the issue and the CS department can see something wrong but the problem never gets fixed. I originally bought the house for {$130000.00} in XXXX my mortgage payment was {$1100.00}. I currently owe {$92000.00} on the house and my payments are {$1700.00}.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report.

I am also attaching proof that I was a victim of the XXXX XXXXata breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

To following information on my credit report is the result of identity theft and should be blocked : Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. 
Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

One thing about wells Fargo will charger u fast for over draft fee don't give u a chance is sad
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I had set up a transfer for {$300.00} to buy concert tickets through XXXX. Immediately after sending I attempted to cancel the payment. It says it has been delivered and not completed. I did not receive a message stating the recipient has received the money. I was falsely told they would send the tickets after payment. They scammed me and I have no way of contacting them. I tried disputing with my bank but was told since it was an authorized payment theres nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Sequium Asset Solutions added a derogatory mark on my credit report on XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Sequium Asset Solutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section XXXX, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section XXXX states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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 XXXXXXXX. I demand the removal of these INQUIRIES : XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of these 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. I demand the removal of these NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It is showing a address that I am not associated with on my credit reports. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never been associated with this address. I would like it deleted from my credit reports as soon as possible. 

Section XXXX : Right to Dispute Inaccuracies ( 15 U.S.C. 1681i ) This section allows you to dispute any inaccurate, incomplete, or unverifiable information on your credit report. When you file a dispute, the credit bureaus are legally required to investigate the disputed information, usually within 30 days, and correct any inaccuracies.

If the information provider ( e.g., a lender or creditor ) can not verify the accuracy of the disputed information, the credit bureau must remove or correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my XXXX XXXX XXXX even though the card was PIN protected. I immediately reported this to XXXX XXXX. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from XXXX XXXX, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as XXXX XXXX did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} ( Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that XXXX XXXX has listed my XXXX as XXXX days overdue. I call XXXX XXXX   again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] . paydown to {$0.00}.!! DO NOT DO BUSINESS WITH XXXX XXXX!!
Product: Credit card or prepaid card

My daughter used her XXXX account to pay for groceries. It was XXXX occurances for approximately {$90.00} worth of food. The XXXX purchases ranged from {$5.00} to {$41.00}. When I recieved my Captial One Quicker Silver statement, I was charged {$50.00} in cash advance fees for {$92.00} worth of XXXX transactions. When I asked if that was considered fair and reaonsable, I was told over and over again " that is our fee sir ''. 

Dates XX/XX/22 {$12.00} XXXX - {$10.00} fee XX/XX/22 {$25.00} XXXX - {$10.00} Fee XX/XX/22 {$5.00} XXXX - {$10.00} fee XX/XX/22 {$41.00} XXXX - {$10.00} fee XX/XX/22 {$8.00} XXXX - {$10.00} fee On XXXX - that charge is XXXX  % of what I bought! This is criminal.
Product: Debt collection

HELVEY & ASSOCIATES IN XXXX XXXX XXXX XX/XX/2018 {$540.00} I HAVE NO KNOWLEDGE OF THIS DEBT / IT IS NOT MINE. I DISPUTE THE VALIDITY OF THIS DEBT COLLECTION.
Product: Credit reporting

XXXX XXXX XXXX XXXX reported incorrect payment history on my account. XXXX 2013 payment was not 30 days late. need payment history verified.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

U.S.C. 1681A States I have the right to privacy.

U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.l
Product: Debt collection

the collection company name is credencw resource manage date opened XX/XX/year> amount XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not give credit report stating no credit history. They post a number to call but no way to speak to a person
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXXXXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX Balance : {$130.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX Original creditor XXXX XXXX. XXXX Balance : {$220.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX. XXXX Balance : {$580.00}, XXXXXXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

THERE WAS AN ACCOUNT OPENED ON XXXX OF 2019. I DID NOT AUTHORIZE THIS ACCOUNT. THE BALANCE IS {$1000.00}. I HAVE REACHED OUT SEVERAL TIMES TO SHOW THEM THIS IS NOT MY ACCOUNT WITH NO RESPONSE FROM THEM.
Product: Mortgage

Subject : Complaint Against Alliant Credit Union for Breach of Contract and Securities Fraud To Whom It May Concern, I am writing to file a formal complaint against Alliant Credit Union ( ACU ) regarding their actions, which I believe constitute a breach of contract and securities fraud. My name is XXXX XXXX XXXX, and I am a customer of ACU. The property in question is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I entered into a mortgage contract with ACU on XX/XX/XXXX for an original amount of {$800000.00}. 

On XX/XX/XXXX, XXXX contented that I am in breach of contract for failure to make payments pursuant to the terms of my promissory note. I contend that ACU breached our contract on XX/XX/XXXX by engaging in securities fraud. At the time of the contract 's execution, ACU fabricated bank credit by means of a journal entry onto their books while representing that they were loaning me money from an existing pool of capital. This action constitutes a failure to provide proper consideration, a fundamental requirement for any lawful contract. Therefore, ACU lacks the right to enforce the terms of my promissory note or claim title to the aforementioned property. 

It is fraud for any business to fabricate assets on its balance. While many companies have been able to get away with this for a time such as XXXX, XXXX, XXXX XXXX, and XXXX, investigation proves that the companies success was deceptive, a paper fabrication. I request that ACU present evidence that the bank credit loaned to me came from an existing pool of capital. If this evidence can not be provided, I request that the contract between myself and XXXX be considered broken and ACUs practice of lending be investigated similar to the investigations of XXXX, XXXX, XXXX XXXX, and XXXX. 

I acknowledge that this complaint may seem unusual ; however, it is grounded in the recognition of suspicious activities that often underpin cases of fraud. If ACU can assert that I am in breach of my contract for failing to uphold the terms of my promissory note, then I maintain that, by the same standard, they are in breach for fabricating bank credit without adequate backing. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure accountability and justice. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : Jefferson Capital Llc XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS XXXX numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : 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**** If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit card or prepaid card

I recieved an offer in XXXX from Bank of America for a credit card which had vague terms as to the interest rate to be charged with a huge interest rate range given which seems like deceptive advertising and the criteria were not explained clearly. I assume it was to be the 14.99 % since I had over XXXX credit score at the time and presently have over XXXX credit score. My last bill had an interest charge of over 20 % of the total which seems like the result of deceptive and vague terms not explained in the general terms. This has been charged for the past few months even though I've never missed any payments. This is untenable and frankly should be illegal usurious rate that is the result of deceptive and changing criteria. I am also taking this up with my state financial protection beaurau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a reocurring problem with Equifax and XXXX  allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an appartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my banckruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with Equifax. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection.In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also Equifax and XXXX  need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.