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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$59000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX XXXX Inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX LAST XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I was shopping at the local XXXX XXXX one afternoon, when I received a phone call stating that it was XXXX XXXX Bank, and they wanted to know if I had just purchased around {$110.00} worth of groceries, to which I answered yes. I then asked why, and was informed that they believed that there had been some fraudulent activity on my card, and would I have time to go over a few transactions to verify if I had been hacked or not, to which I replied absolutely, and the lady on the line went over around the last XXXX including the XXXX purchase. The XXXX prior weren't by me, and I let her know that. She then told me that she was going to credit those, keep my XXXX purchase on my statement, and close my card, it was no longer active, so I should just cut it up, and she would be sending me another one in the mail within the next XXXX to XXXX business days, which is what I did. I kept on getting statements on this card ending in XXXX, and I would call them every month, and explain the story to no avail. It just kept rising, so I told them it was not me, and I refused to pay for something I wasn't charging, nor because one of their employees didn't do their job that day like she told me she would. So I shouldn't be held accountable. They have since closed the account, and it has been sent to collections, and is revolving, and killing my credit score for years.
Product: Vehicle loan or lease

I financed a SUV that was originally {$14000.00} but was told that it should have been {$17000.00}. Then because of my credit score (  XXXX ) I was approved by Exeter Finance for {$20000.00} at 28 % for 72 months ( {$620.00} ). This is a total cost of {$45000.00}. Even though I signed was this legal or was this usury?? The dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 
Salesman : XXXX XXXX. 
( XXXX ) XXXX XXXX. Maintenance agreement doesn't state specifics. I guess arbitration will be needed!! I don't even have a loan contract number!
Product: Mortgage

My XXXX XXXX XXXXXXXX XXXX XXXX was transferred to LoanCare in XXXX XXXX. I have never missed a mortgage payment, or made any late payments. I've been paying my mortgage for 5 years. Since my loan was transferred to LoanCare, I have been receiving letters stating that my {$1600.00} month payment is now {$5.00}, XXXX. XXXX. Most recent letter states that if I don't remit required payment ; my credit rating will be jeopardized, and I may lose my home. The letter also stated that my mortgage is 2 months past due. The letter is originated from XXXX collection agency. I have never had a problem when I was making payments through XXXX XXXXXXXX XXXX. After receiving this recent letter, I can't sleep, and am so stressed-out about someone taking my home, or doing something worse ... XXXX knows what. This feels like harassment ; and very threatening. I see other complaints, and it seems no entity is doing anything to deal with this company. How long does this have to go on before something is done? Have we no protection anymore? I have copies of letters, but I would like a regular, intelligent human being to step-up and help me and other tax paying, mortgage paying, law abiding citizens to resolve this ongoing, and incredibly disturbing situation. Thank you, and look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be delete these companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable. 

XXXX refuses to reflect changes that have been made instead they send generic response about a 3rd party disputing on my behalf. ( I am not 3rd party ) XXXX REPEATEDLY ignores requests from companies which make it impossible to get corrections handled without threatening to file a complaint and this is even after presenting documents. They take months to respond unless you are filing a complaint then they respond within 24 hours .This is very funny to me that it takes these steps to get a response deletions need to be as soon as possible because I have been disputing since last year to get this fix. These are harming my credit and the lack of action being taken is ridiculous. Please ensure that XXXX follows suit and honor all documents for accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX   refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX, XXXX, {$4600.00} Acct : XXXX XXXX Card XXXX, {$2700.00} Acct # : XXXX XXXX XXXX XXXX XXXX, {$880.00} Acct # : XXXX TBOM/VT, XXXX, {$420.00} Acct # : XXXX XXXX XXXX XXXX XXXX XXXX, {$630.00} Acct # : XXXX XXXX XXXX XXXX, {$1100.00} Acct : # XXXX XXXX XXXX XXXX, {$1100.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} Acct : # XXXX XXXX XXXX XXXX XXXX, {$2300.00}, Acct : # XXXX XXXX XXXX XXXX  XXXX, {$650.00}, Acct : # XXXX XXXX XXXX XXXX XXXX, {$680.00}, Acct : # XXXX XXXX XXXX XXXX  XXXX, {$1000.00}, Acct : # XXXX THE BUREAUS XXXX XXXX XXXX {$690.00}, Acct : # XXXX ; has violated my rights. 

15 U.S.C. 1681 section 602A. States that I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section2 : It also 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 information. Any other adverse items 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: Mortgage

XXXX XXXX XXXX XXXX from ACG Funding is marketing interest rate without APR and point fee on daily basis, this is illegal, I called ACG Funding, they just ignored.
Product: Mortgage

XX/XX/XXXX wellsfargo been colecting data for modification for my mortgage.having me resend documents since that time. now they denied me because they said i make XXXX dollars ma month. however they have a statement from social security that that not sustain employement i work 24 hrs a week. when there is five week in the month like this XXXX i do not have a check i have sent them my bills from this month for repair of the home plumbing water damnge ; roof which added up to a additional XXXX a month.please do not have them call me until they check everything out. because what they do is call me and ask me when did i send this information to them and i will have to talk to asaleman for and hour for them to find out its the truth. i want them to get of they XXXX DO THE RESEARCH BEFORE THEY CALLME THE SOCIAL SECURITY AND EVERYTHING THEY HAVE ALL THE INFORMATION THEY NEED. they have receipts for over 4.000 dollars i had to spend fromXX/XX/XXXX through XX/XX/XXXX what  they did was add up social security checks that i want receive sometime but most of the time and my 24hr a week wich social security says not sustain income remember i writing you because they will call and i have to stay on the phone for1hr while they look and say they dont see that info then finally say oh i see it now. so before they call with they salemanship look before you call i am XXXXyrs old and i honestly have never seen company this bad there is no customer service. also i waiting on when they are going to put mortgage in my name for credit purposed. thats it foks
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2019 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( DEBT AND DEBT COLLECTOR XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Mortgage

Me and co-buyer closed on XX/XX/XXXX. Upon closing we were not informed about a " construction loan '' by the closer. We were informed that construction would begin XX/XX/XXXX and upon completion the lender ( Triad ) would have to sign off prior to us receiving our keys to the home. Construction was signed off by lender ( Triad ) on or around XX/XX/XXXX. The issue we are having is me and co-buyer were sent on XX/XX/XXXX our updated payment letter via email, and received notice that we were behind on payments in the amount of {$3200.00} for months XXXX thru XXXX concerning this construction loan. We were informed then that we couldn't start paying towards our mortgage that was due to start XXXX XXXX until that is paid in full. We were surprised at this as we never received any bills, phone calls, or notice of this from lender ( Triad ). The day after on XXXX XXXX we were then informed that our mortgage loan would be going to XXXX XXXX XXXX XXXX XXXX but then again they wouldn't release the loan to them until said " construction loan '' is paid in full. We have since asked for the bills or notices to be sent, and we have yet to receive that information regarding " construction loan. '' I also have email correspondence where Triad has stated it was a mistake on their end that we didn't receive those bills as they had all up to date addresses and phone numbers, but weren't really sure what happened. Another email correspondence I sent to Triad asking why we are being charged for months XXXX through XXXX when actual construction was XXXX through XXXX. Trying to get the matter resolved quickly we paid {$1500.00} against said " construction loan '', but when we went to pay off remaining balance we were told interest had been accrued as the loan is in collections and the pay off was again back up to $ XXXX. How are we in collections without any notice, and how did Triad come up with this amount. I did calculations based construction starting in XXXX to XXXX and that came out to around {$1600.00}, but if they applied XXXX as well it would have come to {$2400.00}. With us paying {$1500.00} to Triad already at the most we would owe {$940.00} or least {$130.00}, but we are again awaiting the bill notices. I was informed this morning that I'd be receiving a call from management, and at this time still awaiting. We can't see to get a straight answer from anyone and each department has a different conclusion. This matter we are trying to clear up as soon as possible, but instead it feels as though Triad is extending this matter and we are being charged interest every month until paid in full and that is due to this being in collections ( debt ) when in all actuality we shouldn't be as NO BILLS, NO CALLS, NO CORRESPONDENCE was ever made prior to now. That is unlawful and wrong and Triad needs to work with us not against just to get extra monies out of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting or other personal consumer reports

I am demanding IMMEDIATE REMOVAL OR CORRECTION of the inaccurate debt being reported by XXXX XXXX XXXX ( TFS ) due to their continued misrepresentation, failure to report the charge-off correctly, and refusal to correct known errors. 

XXXX. XXXX is Illegally Reporting a Charged-Off Account as an Active Debt XXXX charged off this debt in XX/XX/year>, yet they continue to report a balance instead of {$0.00} as required by credit reporting laws. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is directly preventing me from securing an auto loan. 

XXXX. XXXX is Reporting My Name Incorrectly, Despite Admitting Their Own Mistake XXXX recorded my name incorrectly as XXXX XXXX XXXX, despite my legal name being XXXX XXXX XXXX. I have repeatedly asked for a correction, yet they refuse to fix their own mistake. This is a willful violation of the FCRA, as they are knowingly reporting false information to the credit bureaus. 

XXXX. XXXX Refuses to Acknowledge Their Own Charge-Off Responsibilities If XXXX still owns this debt, they must provide full validation immediately.

If they have canceled or forgiven any part of this debt, they must issue a 1099-C and cease reporting it as active.

Their misleading reporting is harming my ability to obtain a loan and causing financial distress.
Product: Credit reporting or other personal consumer reports

To whom it may concern, After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Furthermore, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as soon as possible. 
XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to Midland Credit Management. The letter requested validation pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c.

The following information was required to be filled out in its entirety as well and failure to provide this information forfeited any and all alleged rights.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ Purchased ____Assigned 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants Midland Credit Management the authority to collect this alleged debt.

Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

o Yes o No Have any Judgements been obtained by any creditor regarding this account?

o Yes o No Please provide me the Name, Phone Number and address of the bonding agent for Midland Credit Management, in case legal action becomes necessary : Is your business license to collect debts in my state, Virginia? 
Provide your business license Number : Midland Credit Management responded with a letter dated XX/XX/XXXX but did not provided all the requested information. I was only provided one billing statement from the original creditor XXXX XXXX dated XX/XX/XXXX - XX/XX/XXXX, XXXX letter dated XX/XX/XXXX from XXXX  XXXX stating the account had been charged off and sold to Midland Credit Management, and one cover letter from Midland Credit. Therefore insufficient information was provided and there is not enough evidence to prove debt validation. Midland Credit was not able to provide proper debt validation to establish a right to collect this alleged debt.
Product: Mortgage

United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/XXXX & XX/XX/XXXX and I was never late. I have had several accounts with them for a very long time, this particular mortgage I had called to set up on auto draft back in XX/XX/XXXX along with my other mortgage with these guys that I pay for my ex wife XXXX. 
I set up both accounts on auto draft over the phone with your representative. I didn't get a notice from these guys until later that I had a past due amount and that I was late, even though I had already been in contact with you guys & set this up.. Then I set it up again with you guys over the phone. I never ONE TIME in my life have got a late payment on any account. So the representative set up my one account on auto draft but the one for my house I live in didn't go through or get set up, but not due to my error. Please remove the lates off of my credit file as this wasn't my error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my XXXX XXXX XXXX XXXX account inaccurate. Attached you will find documents that show XXXX with no dates late, XXXX with no late payments and Transunion with XXXX late payments. This information should be removed immediately.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery and associates has repeatedly called me over the course of near a decade. The debt has been time barred for a couple years and they are more than aware of this. I first started blocking numbers but they would call from so many different numbers that it wasn't feasible. I then answered somewhat recently on XX/XX/XXXX, told them to never contact this phone number again or it will be considered harassment and they immediately called again and have done sontwice since I have done this. They have attempted to call me via blocked numbers, when I have answered them in the past, they would try not to answer my questions about who was calling until I told them who I was, they have called me since me telling them not to contact me and long since the debt has been time barred in both the state of Texas where the debt was alleged to have been incurred as well as the state of Washington where I am and always have been a legal resident of. I am so tired of looking at my phone and seeing their number pop up, especially during my working hours. This is a time barred debt, and I have already asked them not to contact my phone number ever again.
Product: Credit reporting or other personal consumer reports

Fraudulent applications were submitted using my personal information. Remove fraudulent inquiries.
Product: Credit card or prepaid card

Avant, a company I have a credit card with, is processing applications for other lines of credit without my consent. I keep getting rejection notices for a card I am not applying for. This is lowering my credit score.