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

XXXX XXXX XXXX XXXX {$2600.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX XXXX XXXX XXXX Balance : {$1300.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to mis-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!
Product: Checking or savings account

I received a debit card from the organization CashApp no XX/XX/XXXX. I do not have a cashapp account, nor have I attempted to open XXXX. I contacted CashApp onthe XXXX, and informed them of such. They said they would send me an email ( which they did ), asking for additional details and and upload of an image of the card ( which I provided ) and I would hear from a member of their fraud team soon to confirm and close the account. I have not heard from them since the upload. I have written them on XXXX other occasions to obtain confirmation, that they have closed the account created from my stolen identity. I have been unable to get them to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially opened a dispute with Equifax via mail on XX/XX/2019 concerning inaccurate and unverified accounts and inquiries. After that dispute was submitted, I also noticed that a balance on my credit card account was inaccurate. I paid the balance of the card off and instead of reflecting a XXXX   balance, the XXXX account, reflected a balance of {$260.00}. I submitted a dispute regarding that account and eventually that account was updated to reflect a XXXX balance. 

I filed a complaint with CFPB, yesterday regarding Equifaxs refusal to send dispute results within the 30 day timeframe or delete the inaccurate and unverified accounts and inquiries. As of today, I received an update from a Equifax with regards to another account I have with XXXX, that I never disputed, stating the balance has increased from {$5.00} to {$260.00}. This account has not even been charged any debt this month and should have a XXXX balance. The inaccurate balance has caused my Equifax credit score to drop 13 points. It seems that there may be some correlation with filing the complaint and the possible subsequent and intentional reporting of inaccurate information by Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have informed the CFPB and the 3 major reporting agencies of the illegal activity regarding my consumer report. I have had no communication nor contact in regards to using my personal identifying information and I have not been given any remedy. This is my last attempt to do so before I file suit against all parties involved for failure to follow the guidelines of the FCRA. I have attached another letter for review of the accounts and inquirers in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am disputing the four late payments reporting on my credit report from XXXXXXXX XXXX.i had never been late on those accounts and payment i demand that those late payments be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts and unauthorized inquiries have been added to my Equifax credit report. These were not initiated by me. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I set up a 13 week Sunday only subscription on XXXX XXXX. I paid in full the amount of {$45.00}. I have an emailed receipt with all this information. Prior to my subscription ending I logged in and cancelled my subscription since then I have received many emails trying to get me to subscribe again, but never a debt notice until I received this one in the mail for {$24.00}. I believe they have sent this on mistake to the wrong person.
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts and inquiries on my report as this is impacting me on a daily basis. As I seen on the internet and the laws state that all information on credit report must be 100 % accurate. Please fully investigate these accounts and remove from my credit report due to unauthorized information that is being reported inaccurately. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

CFPB complaint So i had called into Transunion to see what the heck these items were on my credit report and then i realized that there was a process i had to go through. The transunion rep told me i had to file an Ftc for the fraudulent inquiries, so i did that. Then she said send it in and gave me the address and po box and told me who to address it to. I sent that in XXXX, almost XXXX months ago. I SENT IT MONTHS AGO. I told them explicitly that these were fraudulent inquires and they assured me that if i went through the simple steps i went through that they would act to remove them. I have done my part to remove this fraud from my credit report, and they have not done theirs. 

not to mention, they are grossly acting against me and against my rights as a consumer. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give them written instructions to furnish this on my credit report? No.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above FRAUDULENT inquiries from my consumer report, as this agency is in violation of 15 USC 1681.
Product: Debt collection

I have been receiving letters for debts that I do not owe that come from identity theft. I have file an identity theft report and sent it t all the credit bureaus. Credit collection Services sent me a letter for a debt that does not belong to me.
Product: Credit reporting or other personal consumer reports

I have reported several inaccuracies on my credit profile and or report. I have mailed letters to Experian for over three years requesting they remove inaccuracies from my credit profile and credit report. They have wrong or misspelled names, wrong social security numbers, wrong phone numbers, wrong email addresses, wrong addresses. I requested these all be removed. The ones they removed they put back along with the wrong account information. Or they just refused to verify and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent complaint letters directly to Transunion as well through this bureau about an inaccurate bankruptcy reporting on my account. XXXX and XXXX  has deleted the account and all other accounts that were fradulent opened after my information was hacked from the XXXX XXXX  breach and the XXXX XXXX breach, exposing millions of people personal information. I provided Transunion twice with copy of police report filed in XXXX as well as copy of report i made online. To no avail, they will not delete this fraudelent/inaccurate bankruptcy from my credit report. I am attempting to give this avenu one more chance before I file a lawsuit. I have provided them with plethora of documents and verification that I have never filed bankruptcy nor opened xzy accounts. They deleted the fraudelent accounts ( that has a different person last name on it, the same last name as the bankruptcy has on it ). They  delete bankruptcy every year and then two to three months  later it appears right back on my credit report. This has caused me extreme emotional distress dealing with Transunion for the last five yers.
Product: Credit reporting or other personal consumer reports

My credit report contains unauthorized hard inquiries, which contravene 15 USC 1681c-2. These errors are harmful to my credit, and I kindly ask for them to be corrected.
Product: Credit reporting

Related Complaint - XXXXXXXXI 'm deeply concerned with the response by Equifax. The item in question is still listed on my credit file and should be deleted. I fear that this raises various other violations with respect to Truth in Lending, FCRA, and FDCRA. 

I have been advised by my attorney XXXX. XXXX XXXX XXXX. that under the violations listed above I am entitled to damagers statutory, punitive damages, actual damages, and attorney fees. I have also been advised that there are multiple violations that would allow this to be pursued on a class level. 

I am very concerned at the way that XXXX XXXX conducts itself and it 's disrespect for the laws with respect to Truth In Lending, FCRA, and FDCRA. 

The way they have handled this and continue to resist removal of this trade-in from my credit reports raises other issues.
Product: Money transfer, virtual currency, or money service

I sent {$450.00} on XX/XX/XXXX, to a friend on PayPal, and PayPal closed their account. I tried to request a refund, and PayPal said I would have to talk to the recipient, but the recipient 's account is closed, meaning they cant access their account for the refund. I contacted PayPal on XX/XX/XXXX. transaction ID : XXXX
Product: Checking or savings account

We opened an account with Citibank two weeks ago and it has been a whirlwind of a nightmare to say the least! First of all I deposited a check to savings and it was flagged I spent two days trying to straighten it out from calling the person who gave me the check to call them, to two people from the accountant department of establishment that provided the check. I called a total of 11 times asked to speak to supervisors was hung up on several times was told they werent available.finally got a supervisor and asked her what else I can do to fix the problem and asked her why she froze my checking account when the check was deposited to savings and they hadnt paid anything! and then asked her to just void the check and I will deal with it at a different bank! Her response was it was fraudulent activity and they would continue to keep it locked and move to close the account! Two hours later I called back spoke to someone else and she said that email came through from the maker four hours prior and you should be all set. What! She removed the hold now two days later checking is locked cant get to my funds! I might add that savings isnt affected but funds I deposited four days ago are still on hold! I call three times oh that department is doing maintenance! Call back! I just want my funds and to close it! Thank you! Never once did they even notify us of the problem either time, so we would know not to pay anything! They need to be investigated they are shady! Also never ever had a bank have you tell them your account number and ask you for your pin! your pin is suppose to be protected!
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I called Navy Federal Credit Union with my mother on three way to help with getting back money that was taken out of my account. This money was my rent money I was sending to my mom. I am a victim of scam, fraud, and identity theft. They used my information on applying for a credit card and spent most of that money which resulted in a past due payment which is why Navy Federal is collecting my paychecks. Navy Federal is aware of my situation. There is a police report on file that I've given to them multiple times. This report number is XXXX. I have a detective assigned on this case as well as being investigated. Collections are taking out my paychecks before I can even pay bills. This is very stressful to handle. With the phone call, we've spoken to XXXX. She explained she's the manager for the fraud department as well as another department I don't recall. She was very rude and unprofessional. We were trying to get answers and she explained there was nothing she can do to help us. Only advice she gave was for me to find a lawyer. She hung up the phone on us. She told us that we can contact corporate for any other information and gave us their email. I sent an email to corporate as a formal complaint of the phone call. Their response stated they couldn't help either. Prior to this call, I've called multiple times before and was sent in circles trying to figure out who to talk to and how to get this fixed. My first fraud claim resulted in me at fault. I sent in an appeal through the emessage on their app. After calling for an update, the person I spoke to the appeal claim was being investigated. I spoke with someone else right after and they told me there wasn't an open case and it was nothing being investigated. Nobody wants to help me. I don't have money for food nor to pay my bills because it's continuously getting taken out every week I get paid.
Product: Mortgage

I refinanced my mortgage in 2021. Prior to the first scheduled payment I made a full payment and the company set up my payment in a bi-weekly payment schedule which is automatically drawn from my checking account every two weeks. The payment is misapplied and I am sent late notices and charged a late fee. No payment has ever been late. This has occurred 3 times in the last year. I also send additional money to be applied to principle and this is also misapplied. I have had multiple phone call and the company fails to permanently correct the issues.
Product: Checking or savings account

Hi, I submitted complaint ID # XXXX on XX/XX/XXXX, and receiv3d further retaliation for submitting that regulatory complaint. Bank of America staff appears to have taken steps to close my checking account that has received XXXX & VA direct deposits since XX/XX/XXXX, some XXXX  years of banking history. I found my Debit Card didnt work at local places near my condo then identified error messages that surely had to be a mistake. There was no mistake -- just discrimination & retaliation against this XXXX XXXXXXXX XXXX  ( Protected Class ). Why? I stated I would submit a regulatory complaint in response to Bank of America XXXX, XXXX XXXX, making erroneous accusations of fact against my character claiming that he submitted an incident report to security, claiming I " stormed off '' because he asked me to leave and I stated I would be filing a regulatory complaint on XX/XX/XXXX ; and again on XX/XX/XXXX when I submitted complaint # XXXX. I tried calling BoA staff & was in hold for over 25 minutes before a person XXXX firmed my accounts were closed and/or frozen by unnamed staff. I also stopped by a BoA branch on XXXX XXXX, XXXX, TN XXXX where BoA staff I had worked with 3 times revealed their real name was not the name on the business card. Another staff member came out to say there was no way to contact supervisory staff, XXXX XXXX, but I could reach out to an Escalations Manager but they already left for the day. I reminded staff that the lack if information con earning a damaging and harmful action by Bank staff during an open regulatory complaint investigation would be considered retaliation. I appreciate the opportunity to assist a publicly traded company with reasons to not discriminate and retaliate against XXXX XXXX with service connected XXXX. Thank you for your time, XXXX XXXX
Product: Debt collection

Under the Fair Credit Reporting Act, to request information regarding an item that is listed on my consumer credit report. Spring Oak Capital, account number : XXXX. According to the Fair Credit Reporting Act, Spring Oak Capital is legally required to report accurate information. I am demanding they remove or provide proof that they have lawful contract with me to pursue the debit in question. Refusal will consider a Willful Violation. Fair Credit Reporting Act, 15 U.S.C. 1681n ). For willful failures to comply with the Act 's disclosure requirement plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Violations : 15 U.S.C. 1692e : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S.C. 1692j : Furnishing certain deceptive forms
Product: Mortgage

We are currently paying our VA mortgage loan through Lakeview Loancare, and the website has been down since last Wednesday or Thursday. There is talk among clients that their financial bureau, XXXX, had been breached, but we have received no alerts, updates, or news regarding this information. I can not get through to Lakeview to inquire about anything since websites are down and phones are not being answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted Experian and asked about a their method of verification for a previous disputed bankruptcy being reported on my credit report. The representative informed me that she could initiate a dispute and I would receive a new credit report in the mail. I received the new report with no bankruptcy listed. On XX/XX/2018 I signed up for a credit monitoring site and noticed the bankruptcy had been re-added. I have not received any notification, as the FCRA laws state any reinsertion requires notifications to the consumer within 5 days. On XX/XX/2018 I have contacted Experian by phone to inform them of this issue and spoke with two different representatives. The first representative informed me that it was a computer error ; which is not true. The second rep named XXXX told me the courts notified them, which the court does not notify the credit bureaus. Then he went on to say they use a 3rd party but would not reveal who that is. Although I am aware that the 3rd party used is XXXX, from previous conversation with the credit bureaus. I was told I would need to dispute the inaccurate information with the furnisher. XXXX has sent a correspondence via email in regards to that dispute on XX/XX/2018 as well as a phone conversation confirming that entry has been deleted. They could not verify this inaccurate information within the required timeframe and are sending the results via mail. This email states XXXX has no role in determining what information relates to which consumer. Therefore they are NOT verifying or validating this information for the credit bureaus either. 
Experian has associated accounts and tried to match them with this bankruptcy that's listed. I have sent in documentation showing these accounts were paid and not negative accounts. 
Experian has violated my rights, saying they are " verifying '' inaccurate information and placing it back on my credit report with no notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}