23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : 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 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 XXXX XXXX XXXX XXXX XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of 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. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I clicked on the " XXXX XXXX Support '' icon to get an agent for a tuneup. The regular icon for this process was clicked on and the regular process info was run. Then a conversation block comes up on the left side to type to the agent your name, phone number and brief description of problems to resolve. Then it asks to allow XXXX and consent is checked Tune up was run and I was called after the closing screen read that the service was done and I received a phone call. Normal when anything needs to be reviewed. I was told that I needed an XXXX XXXX package because of foreign ip 's attached to mine. The cost was X $ s for 1, 3 or 7 years. I chose 7 years for {$490.00}. 
The agent asked me to go to the local store to pay for the protection but the store would be closed by the time I got there. Another option was presented on bestbuy.com website for XXXX gift card and others to cover the cost and have redemned.Cards were sent to my home address and then the same phone number ( XXXX XXXX ) called back for the codes for the payment after giving codes he said that this was eligible for rebate and expect a call ( XXXX XXXX XXXX ). He wanted me to pull up a screen and enter my bank account so the rebate would be made. I refused. Since then I have been trying to resolve with Best Buy, XXXX XXXX, local detective, Citi bank ( credit card for Best Buy ). Was initially charged {$500.00} and nor is {$610.00}. Given a Citi Bank address to write my complaint and talked to Delaware Attorney General 's office. My credit card was stopped and replaced. Spoke to all companies mentioned above in XXXX, XXXX, XXXX. and XXXX with no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in dispute is # : XXXX being reported by XXXX XXXX XXXX XXXX reporting to experian and XXXX Date opened was : XX/XX/XXXX Account closed on : XX/XX/XXXX Showing multiple late payments from XX/XX/XXXX - XX/XX/XXXX High balance of {$10000.00} In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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
Product: Credit card

This account has always been paid on time, so I'm uncertain about the reasons for the late payment comments. As stated in 15 USC 1666b, billing errors need to be corrected.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On two ( 2 ) separate occasions I disputed a charge for a hotel that was booked through XXXX in the amount of {$110.00} with American Express. Despite providing documentation that clearly illustrates that the hotel room was not available, American Express failed to complete a thorough investigation and issue me the full credit which I believe is a direct result of a language barrier when speaking with American Express representatives.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$4500.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$4500.00} Unpaid Balance {$4500.00} Highest Adverse Rating Collection/Chargeoff Most Recent Adverse Rating Collection/Chargeoff Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit XXXX XXXX XXXX XXXX XXXX XXXX Account Previously In XXXX XXXX Now XXXX XXXX XXXX By Subscriber Account details Youve Made 0 % Of Payments For This Account On Time. 
Collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A Account ID : XXXX
Product: Debt collection

The bank/credit card is XXXX XXXX. They perpetrate all of the items you list as " most describes your issue '', I have moved and filled out the section on the bill of X/X/17 as per they 're instructions to change my address subsequent to this I have now moved and am being harassed for payment. On XX/XX/XXXX I paid my bill ( {$22.00} ) and now realize I have not received a new one. I answered a call just a couple of days ago and told them my new address and the woman said it has been changed, I asked for a copy of the recording because I did not hang up until that was said. I just now, before XXXX received another collection call and told them I changed the address get me a bill. 

What I want is these people and others like them to be made to do their jobs and not have the ability to just start harassing people especially when it is their own incompetence causing the problem. I followed their instructions, they did n't do their job and I am being harassed. someone should loose there job and I should be able to sue the individuals responsible and the company! that would make them do what they were supposed to do. 

This is the second time Citi has caused me a problem and that should not be tolerated. A individual like me ca n't do anything, but you should go after these people!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

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 or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, VA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

I disputed a missing historicial payment history on my XXXX credit card account, on my Equifax credit report in early XXXX of XXXX.It was verafied as accurate and they never fixed the problem.The payment history is marked monthly as " no data avaiable '' .This is incacurate and needs to be updated.
Product: Debt collection

I was notified by my auto insurance, XXXX, that my premiums were increasing {$120.00} annually partially due to a credit investigation by a contracted credit investigation company named Lexis Nexis. In XX/XX/2016 I was rear ended by a driver insured by XXXX insurance. All reports and actions were filed with both companies. The other driver was at fault. By XXXX I was asked to settle the claim by XXXX. They assured me that all claims to doctors and repair shops had been paid. I accepted. In XXXX I received a bill from XXXX for emergency services. I contacted XXXX and was told that the bill was never settled and to send it to them for payment. They would be suborned by XXXX. They were. In XXXX I was notified by XXXX that my premiums were going up in part because I made a collision claim. No one at the time I sent this bill to XXXX informed me that this would be a collision claim. I feel that XXXX failed to make me aware of this and also that Lexis Nexis never gave me a chance to look into this before they made a recommendation to raise my rates. This is deceptive practices to put an insurance customer in this situation without proper clarity.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have made numerous attempts to KIKOFF LENDING LLC and XXXX to get an account removed from my credit report due to IDENTITY THEFT. I was recently released from a long incarceration when i found on my credit report to be suspicious activity or in other words my identity was being use without my authorization. On XX/XX/XXXX i sent to XXXX via priority mail an IDENTITY THEFT AFFIDAVIT, dispute letter and supporting documentation such as PROOF OF INCARCERATION. Also on XX/XX/XXXX i sent dispute letters and supporting documents individually to the creditors Kikoff lending LLC, after verification with mail carrier it was confirmed that all packages was in fact delivered on their expected dates ) On XX/XX/XXXX XXXX 's system shows that they received the documents. In between that date and the date of XX/XX/XXXX XXXX was investigating the claim. On XX/XX/XXXX XXXX completed their investigation but the KIKOFF account was still on my credit report that resulted from identity theft. XXXX responded on XX/XX/XXXX saying that ; at this time XXXX isnt blocking information pursuant to Section 605B ( c ) of the FCRA. In the same letter XXXX also states ; " FOR XXXX TO BLOCK INFORMATION UNDER SECTION 605B OF THE FCRA, YOU NEED TO PROVIDE PROOF OF YOUR IDENTITY, THE SPECIFIC INFORMATION THAT IS THE RESULT OF IDENTITY THEFT, AND A COPY OF YOUR COMPLETE AND SUBMITTED IDENTITY THEFT REPORT WITH THE FEDERAL TRADE COMMISSION OR POLICE REPORT REGARDING THE IDENTITY THEFT. 

XXXX and KIKOFF LLC ARE BOTH IN VIOLATION OF FCRA 605B-15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. IT CLEARLY STATES IN SECTION 3 Significance of block ; IF A CONSUMER REPORTING AGENCY RESCINDS A BLOCK, THE PRESCENCE OF INFORMATION IN THE FILE OF A CONSUMER PRIOR TO THE BLOCKING OF SUCH INFORMATION IS NOT EVIDENCE... .and if im claiming identity theft then you cant verify this account because my information was used. obviously my information was used, BECAUSE IT WAS STOLEN. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND KIKOFF LENDING VIOLATED MY CONSUMER RIGHTS UNDER FCRA 15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS. I NEVER GAVE KIKOFF LENDING WRITTEN INSTRUCTIONS TO REPORT MY ACCOUNT TO ANY AGENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for credit monitoring services with MyXXXX in XX/XX/. I noticed that Equifax and XXXX were reporting XXXX 30 day late payments on an old credit account. I've never missed a payment on anything. It's rare that I even carry a balance on any of my credit cards. I mailed Equifax and XXXX letters on XXXX XXXX XXXX  to ask them to correct the errors on my credit report. I did not receive a response back from either. On XXXX XXXX XXXX I wrote a second letter to both Equifax and XXXX requesting that the inaccurate information be removed from my credit report. I included a copy of the first letter that I mailed on XX/XX/XXXX. It is now XXXX XXXX XXXX  and the XXXX 30 day late payments are still showing on my credit report. Nothing has been done. I haven't received a response in almost 4 months. I wasn't even aware that this was hurting my credit until I applied for a project loan with XXXX XXXX and I was told the interest rate was higher bc of my credit score. I immediately searched online to see how to obtain my credit report. I also read that I should monitor my credit bc inaccurate information could be on my credit report. So I signed up with MyXXXX and I discovered that I am being directly affected by these XXXX inaccurate late payments. I've never had to deal with anything like this and it has caused me to pay unnecessarily higher interest rates. There's no way of actually speaking to someone via phone. Both websites just gave mailing addresses. Please help me resolve this. There seems to be no way to get these inaccurate late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On XXXX  the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free
Product: Mortgage

Selene Finance, has not returned calls when requesting copies of Note and the XXXX XXXX, also the payoffs is incorrect, they constantly say they will call me back, or will send the corrected payoff, its been a month long process, it seems they are purposely leading myself and the closing title company, as we are seeing the hone, and need the Pay off, to proceed,
Product: Credit reporting, credit repair services, or other personal consumer reports

After the cybersecurity attack on Equifax I learned that I am a victim of the attack and my info has been shared with unauthorized 3rd party people. I used the online tool provided here http : //www.equifaxsecurity2017.com/ which gave me the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor did I benefit from the inquiry listed below. Block and remove it from my consumer report. 

One Main Financial - XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Bureaus letter last XX/XX/2022 but it has been drawn out into the open that you are not hindering records when I sent a FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my credit report as fraudulent due to identity theft. Attached is a copy of an identity theft report filed with [ Name of Law Enforcement Agency ], along with other supporting documentation. 

The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block information in a consumer 's file that results from identity theft within four business days of receiving : A copy of an identity theft report. 
Identification of the fraudulent information. 
Proof of identity ( attached to this letter ). 
I have attached the following documentation to assist in your investigation and fulfill the requirements of the FCRA : A copy of my identity theft report filed with FTC. 
A copy of my government-issued ID for verification. 
Proof of my current address ( e.g., a utility bill or bank statement ). 
Please take immediate action to block and remove the fraudulent accounts from my credit file and provide written confirmation that the changes have been made. Additionally, I request a copy of my updated credit report reflecting the removal of the fraudulent items. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I have had this bank account for over 20 years. They have charged me lots of fees over the years. They have refused to fix accounting mistakes. They have been very slow in crediting deposits over the years. Payments that I have made do not always get to the bills I am paying, but are still deducted from my account. They have never refunded this missing money. Starting accounts in my name and my kids names without any authorization to do so and then never refunding those fees. Overdraft fees because they didn't credit my deposits...
Product: Debt collection

In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to Real Time Resolutions. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. Realtime Resolutions responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, W2 and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.
Product: Debt collection

A company called Portfolio Recovery has called my landline ( registered with the Do Not Call Database ) every single day for the past few months. Every day, they call from a different phone number so I can not block them. They have never once left any type of message on my answering machine. I have not received anything in the mail and my husband and I have no outstanding debt whatsoever. These calls are burdensome, frequently early in the morning or late at night, and will not cease.
Product: Mortgage

The amount of bank fraud that PHH commits is unreal. We are currently in a short sale review. Have been for 7 months. PHH ordered a new appraisal. The appraisal came back at {$280000.00}. Our offer in review is {$280000.00}. PHH declined our offer that is over market value and requested {$300000.00}. That's good old fashioned bank fraud.
Product: Debt collection

The company is " State Collection Service , Inc. ''. Was not aware of their contact/effort until XX/XX/XXXX. I filed a dispute on XX/XX/XXXX asking to verify the debt as I do not believe it is valid. The organization took 83 days to respond. Far beyond the 60 days outlined in the Fair Debt Collection. Practices Act ( FDCPA ). Their response is dated XX/XX/XXXX which is still beyond the 60 day limit. Document provided ( attached ) does not evidence amount. I disputed again on XX/XX/XXXX.
Product: Debt collection

I was working on puchasing a house then this came up on my credit report. 
I was able to remove the problem from XXXX  and XXXX  its showing up on my report again this time on XXXX. 
Axcssfn/cngo Acount XXXX I have never received any information on this account. 
It shows on the credit report Charge off on 2014. Again I have never receive any phone calls or mail about this account.They are saying Balance is {$15000.00} when I lived at XXXX XXXX XXXX XXXX your identity. I did call my anttorney XXXX XXXX XXXX he tryed to call and get this worked out and had no luck. 
if this was me why would someone from the company call me to work this out or to let me know I was late with the paymenst I never received a call or mail on this account.ever.
Product: Mortgage

We received the attached demand letter, on XXXX/XXXX/2015. After receiving a resolution letter from Nationstar on XXXX/XXXX/2015, we thought we resolved this issue. I called Nationstar Mortgage, Customer service did not know how to handle directed me to consumer relations. I called ( XXXX ) XXXX spoke with XXXX on XXXX/XXXX/15 & she said that she can not give any explanation nor any status and our Attorney has call on our behalf. I told her we do not have attorney representing us and she told me to write a letter stating so. We do not understand why they can not provide us straight answers. Nationstar is demanding {$9400.00} and we want to know how & why they came up with this amount as we have been sending in our monthly payments every month and have sent in cleared checks to prove the checks have cleared thru Nationstar.