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

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 XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX 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: Debt collection

I have a collection account with IQ data international. It has come to my attention that this company has been communicating with my daughter about my account without my permission. They violated my privacy laws and negotiated terms with a third party without my knowledge. I have never given them permission to divulge my personal information to a third party let alone discuss the terms of which. This company also took it upon themselves to unlawfully apply interest to a tenant bond account that did not have a judgement placed prior. These people spoke about my account with a person that had no jurisdiction to do so. This is horrible and I hate to make this public but this had to be said.
Product: Credit card

My payments are always made on time, of that I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. USC 1666b states that any billing errors should be corrected, or they will be required to pay me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate 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 XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was surprised to see and learn that I have been a victim of identity theft as, I have found numerous accounts on my credit report that I did not authorize and did not open ; this collection account needs to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request an immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., and XXXX XXXX XXXX XXXX. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report, unaddressed. This negligence violates my rights under FCRA and continues to inflict financial harm. I urge the CFPB and FEDERAL TRADE COMMISSION to ensure the removal of these accounts and uphold my consumer rights : XXXXDEPT OF ED, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

These late payments don't match my usual record of on-time payments.
Product: Money transfer, virtual currency, or money service

I paid a seller through PayPal, there was an ad on XXXX  for what she was selling and said to contact her number to pay through PayPal so I did and then her account was gone and I couldnt message her through anything. And didnt receive anything I paid for so I got scammed and I dont know what to do.
Product: Credit reporting or other personal consumer reports

I have been having problems with the account on my credit false information and being stressed on collection that should have never been there in the first place things when asked to show me information I was denied These inaccuracies reflect negligence in maintaining accurate and fair credit reporting standards, as required under the Fair Credit Reporting Act ( FCRA ). I would please like these problems to be fixed
Product: Debt collection

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Product: Credit card or prepaid card

On XX/XX/2020, I mistakenly made a {$62000.00} online payment toward my business CC with Bank of America ( BOA ). What I intended to pay was {$6200.00}. On XX/XX/2020 I realized the mistake, called BOA right away to request that they cancel or return the payment. I was told that since the payment was still pending I should call the bank ( XXXX ) from which the funds were going to be withdrawn. I called XXXX immediately and they also said they could not do anything from their end and I needed to call back BOA to have them return the funds. I called on XX/XX/2020 and spoke to a lady who told me that they would have to send a check and that she was obligated to inform me that this could take up to 30 business days. I was astonished but suspected that I did not get the right information. So I called back the next day and spoke to XXXX who informed me that the request to have the money returned was in progress but the amount was incorrect. She asked me if I had given permission to withhold enough money to pay off the CC balance and I said absolutely not. XXXX proceeded to confirm with a representative ( XXXX  ) from XXXX that the {$62000.00} had been withdrawn from my account and XXXX confirmed this. XXXX then made arrangements to have {$55000.00} wired to my XXXX account and informed me that it would take 24 to 48 hours for the money to be in my XXXX account. Preoccupied with trying to keep my business going during these extremely difficult times I was satisfied that this was in progress and that I would soon get the balance minus the {$6200.00} that I had intended to pay initially. This morning, Friday, XX/XX/XXXX the first thing I did was to check with XXXX. There was no record that there was an incoming wire from BOA. I called BOA immediately and spoke with XXXX who calmly told me that the wire was on hold because it had to go through several layers of approval. At this point, I was so irate that BOA was sitting on such a significant amount of money and they were taking their time to return this to me. I asked to speak with a manager because I could not believe the gall/nerve that they would take their time returning this money. I spoke with XXXX XXXX and he was no better. He gave me their reasons for the delay and essentially showed a total indifference when I told him that I depended on these funds to keep my veterinary clinic open. He was relentless telling me about the procedures in place that prevented BOA from expediting the refund. I have no words to describe how incensed I am that a bank can be so rigid at a time like this, and also have such little regard for a long-standing client who holds three CCs  with this bank. This, in a few words, is no different than robbery!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  : XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Product: Credit reporting or other personal consumer reports

My credit was pulled without my permission or knowledge resulting in hard inquiries in my report.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report from Experian and discovered several inaccuracies that have negatively impacted my credit score and financial standing. Despite my efforts to dispute these inaccuracies, Experian has failed to correct them, thereby violating my rights under the FCRA. 

Additionally, I sent Experian a letter specifying that the only address that should be on my consumer report is XXXX XXXX  XXXX XXXX, XXXX, NC, XXXX, and the only name that I have is XXXX XXXX. However, Experian has continued to report incorrect addresses and variations of my name. 

Relevant Law 15 U.S.C. 1681e ( b ) : Accuracy of Report : This section of the FCRA mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My Complaint : Furnishing of Inaccurate Information : Experian has furnished inaccurate information on my credit report, including incorrect addresses and name variations, which has adversely affected my credit score and financial standing. 

Failure to Correct Inaccuracies : Despite my disputes and provision of evidence, Experian has failed to correct the inaccuracies on my credit report, violating 15 U.S.C. 1681e ( b ). 

Non-compliance with Specific Instructions : Experian has not complied with my request to only list XXXX XXXX  XXXX XXXX, XXXX, NC, XXXX as my address and XXXX XXXX as my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a XXXX account involved in FRAUDLENT ACTIVITIES. XXXX   is aware of the FRAUD so why is EXPERIAN STILL REPORTING this account? I REQUESTED EXPERIAN NOT TO USE the XXXXXXXX  system which eliminates a 100% accurate and complete investigation. They continued to use it and verify this XXXX account anyways.
Product: Mortgage

Throughout the underwriting process with XXXX, I had confirmation that our loan would be principal/interest only. We put 20 % down so we should not need to pay for PMI or use escrow for taxes/insurance. In fact, we already paid for the first year of homeowners insurance at closing. 

But the final documents were incorrect on the day of closing. Now our loan has been purchased by a company called Specialized Loan Servicing and getting them to remove the PMI, refund our escrow, and set up our payments correctly is like pulling teeth. 

Their response, to quote directly : " the account is set up with escrow and is a PMI type loan. I have attached a copy of the closing documents which show the escrow on the account. Thank you, XXXX XXXX ID : XXXX '' No attempt whatsoever to correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was advised to cancel application and delete personal information via ccpa, usps, email and platform. 

They advised it was escalated for processing I also manually removed my email and ach. 

Imagine my surprise when out of nowhere I receive an email that account is open and past due?

Presuming my info is compromised as this point I deleted my former email. I filed an immediate dispute again reiterating what happened and further advised I see no such deposit however I would be happy to immediately pay via certified funds/debit any amount allegedly owed provided I was reimbursed once resolved this was over 4 months ago. 

I also went one step further and requested relief in their site just to ensure there were no issues while this was handled this was completed on site twice, via mail twice through XXXX  and they confirmed one time and one time only stated concerns escalated. 

They have no means to reach them via phone as it directs you to their zendesk style customer service with which I am very familiar and concerns aside their customer drive leaves a lot to be desired This needs to be corrected to date they are directly responsible to flag to clearance, over 7 credit account closures and/or reductions in lines of credit. 

They have now cost me thousands today it updated yet again as charged off dropping my score even more and prompting me to be noticed of yet another closed how is this still happening? 

I am seeking legal action to recover all damages inflicted XXXX me if this is not resolved expediently
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased 2 Money orders ( XXXX & XXXX ) on XX/XX/2020 as payment toward my rent. Both money orders were made out for {$500.00} each. I dropped the Money orders in a sealed envelope Mailbox in front of XXXX Post Office @ XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2020. 
The Money Orders never made it to their intended destination. Instead they were stolen while in transit. I called XXXX XXXX and paid {$18.00} for a copy of the cashed check to see where the money was deposited. The Money Orders were endorsed by an individual with a TD Bank account because the account # on the check referenced a TD bank XXXX XXXX. I called XXXX XXXX back and requested they find out who had stolen my money. They told me that they are not responsible for stolen XXXX XXXX XXXX orders and I needed to reach out to TD Bank to get my money back. I reached out to TD bank, they told me they can not open a dispute to get my money back although they are the ones who allowed their customer to steal and cash 2 money orders that were clearly NOT made out to their customer! I just want my money back so I can pay my rent. But no one seems to have any answers or need to help me find my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded to TransUnion Consumer Relations. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, XXXX, XXXX, XXXX, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT intended to be used as a commercial account ( Information ).

See Attached Documents
Product: Debt collection

upon checking my credit report today I learned that this company LVNV Funding LLC has placed two collection accounts on my credit report that are not mine and were previously removed from my credit report by XXXX due to identity theft 3 years ago. I am assuming LVNV just purchased this debt from the creditor and was unaware that this debt was removed prior to their purchase of this debt due to identity theft. I was never contacted nor given the right or time to respond to verify or dispute the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

In XXXX of this year I obtained my credit report and found there was an account listed on my report for XXXX XXXX in XXXX XXXX. 

I was a patient there, on XX/XX/XXXX which I later confirmed through the hospital / via email. Since then I filed a dispute with all three XXXXXXXX, XXXX and XXXXXXXX as they appeared on all three reports. The information was supplied to all three by Aargon Collection Agency, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My subsequent dispute was simple, the debt should have been removed as it was XXXX years years old. I had to for the 2nd time dispute different information with XXXX, as they had my Birthday and name incorrect. I was born in XXXX, XXXX had my Birth year as XXXX, and my name as XXXX XXXX, they added my middle initial to my first name, ironically making me a female ( XXXX ) is the female version of XXXX in XXXX and in many XXXX XXXX   families. 

Both XXXX and XXXX removed the XXXX account XXXX   did not, and in-fact verified the information as " accurate '' I don't know how they could claim the information was verified as accurate. I filed another dispute with XXXX  via mail, provided the information from the original creditor ( XXXX XXXX ) a copy of my social security card, my Nevada Identification ( Real ID Version ) and a copy of my W2 to confirm the address. Again they came back and stated " Verified and accurate '' with the account being opened in XXXX of XXXX. Approximately a week later I received a form letter stating " I would have to confirm my address, and my identity before they would send any information to my address ''. They did not ever read my correspondence everything they asked for to " confirm my identity '' was already included. 

At this juncture it's painfully obvious that not even the minimum " investigation '' was performed, no one ever read the letter. The debt is being re-aged plain and simple. I would think when the original creditor confirms you were not even a patient there during their stated time the account was " opened '' would be considered prima-facia evidence nothing is being done correctly.
Product: Money transfer, virtual currency, or money service

All money Be reported because I did several attempts with this company to get my money back nothing never came about nothing never came in my favour and I believe they are scammers