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

I am filing this CFPB complaint in pursuant to FCRA & 605B ( 15 USC & 1681c-2 ) that you, the Transunion 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 opened at XXXX XXXX XXXX  on XX/XX/XXXX, under the account # XXXX, a collections account with XXXX XXXX XXXX opened on XX/XX/XXXX, under account # XXXX, another collections account with XXXX XXXX on XX/XX/XXXX, account # XXXX with a balance that appears related to the aforementioned personal credit card account XXXX XXXX XXXX. 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 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, and 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 the FTC Identity Theft Criminal omplaint # 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: 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. 


Account Name : XXXX  XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXXXX/XX/year> XXXX 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.

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 card

I have already submitted a complaint on Barclaycard to you in reference to a credit line reduction and the fact that the did not want to credit a XXXX payment made in XX/XX/XXXX to the XX/XX/XXXX due out. Only one of those two were resolved that being as they quoted as a goodwill gesture they would apply it to be credited to the XX/XX/XXXX payment. As I stated to you in my previous complaint they do this and get away with it so that they can increase the monthly due and the interest rate goes up. I have attached both the XX/XX/XXXX statement and now the new billing for XX/XX/XXXX please note the credit of the XXXX payment. Also as I stated please compare the 2 billings before the complaint was filed the XX/XX/XXXX statement reflected a balance of XXXX with a monthly minimum payment of XXXX now look at the XX/XX/XXXX Billing the Balance Due Increased to XXXX which was an increase. When I pay my other credit cards they may not decrease much but they do decrease some each month, My question now to Barclaycard is where did the XXXX payment go and how did the balance increase instead of decrease. If this was the way they all worked I would never get them paid off. Perhaps what I stated in my last complaint is really true. So again what did they do with the XXXX as it was an overpayment of XXXX over the requested minimum payment due of XXXX. If I had the money I would just pay them off but even then they cant get the right amount reflected as due according to what I figure and that is giving them their Interest charged for that period the current balance should reflect XXXX. I have posted a minimum requested payment due which also went up to be paid to them no sooner than the due date. They need to correct the balance due.
Product: Debt collection

An account was opened from Synchrony Bank which is now be handled by XXXX XXXX XXXX. The account was opened on XX/XX/2019. The balance owed is {$470.00} I contacted them and told them it was a fraudulent account and I need it to be removed from my credit report. They said I only way is to pay the money and it would be removed in XXXX months. This a identity fraud not sure if the account was opened online or in person I cant get any information. I disputed this several times.
Product: Mortgage

The original owner of the mortgage was my sister, XXXX XXXX XXXX who passed away on XX/XX/XXXX. In her will, she designated me as her Successor/Trustee prior to her death. The POA was effective XX/XX/XXXX. 
Since then, I have tried to communicate with Quicken/Rocket Mortgage that I am the successor/trustee and have submitted the legal documents as were given to me by my sister 's attorney. 

I also submitted the unrecorded grant deed to the XXXX XXXX because the County Recorder took many months to return the deed to me. I was willing to resubmit the recorded when I received it if Quicken/Rocket requested it. 

The recent submissions to Rocket Mortgage on XX/XX/XXXX were : ( see all attached ) Certificate of Trust Successor, Certificate of Trust Pursuant to Probate, XXXX ( notarized ) ( Notarized sheet ) Declaration Pursuant to XXXXProbate Code Section 13100 Original Declaration Pursuant to California Probate Code Section 13100 The final letter I received dated, XX/XX/XXXX, states " We are unable to confirm you or the potential successor you am representing as a successor in interest at this time for the following reasons : Quicken is asking for all pages of the Trust Government issued ID 's for beneficiaries ( of which they only have one of the childen 's ). The children are under the care of the guardian mother and they have failed to respond to my requests for their ID 's. I was told by Quicken that the children failed to respond to Quicken 's request for their ID 's, last year. 

As Quicken is refusing to recognize the Attorney 's legal documentation giving me the right to act on the behalf of the XXXX, I fail to see how their seeing the Will is going to guarantee their willingness to speak with me. I still can not force the children or their guardian mother to send the ID 's to Quicken/Rocket Mortgate. 

I am protesting Rocket Mortgage 's request. I have asked repeatedly for someone to speak with me regarding this loan. They have refused informing me they are not authorized to speak with me. I have received the legal documentation giving me the right to sell the property when the time comes. I also have the taxes paid each year since my sister passed away and records from the IRS that were sent to me to aid in the process of paying her taxes. 
I believe Rocket Mortgage is acting wrongfully against the XXXX XXXX XXXX XXXX XXXX and the children who are the beneficiaries. 
I seek to resolve this problem as an aid to fulfilling my due diligence to my sister 's will. 
Sincerely, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account do not belong to me nor do I owe this known as XXXX XXXX XXXX, therefore I'm demanding that this account be removed/ blocked from my credit file immediately.
Product: Checking or savings account

On the XXXX of XXXX I deposited a check in the amount of XXXX dollars in my account at WELLS FARGO, referring to a payment for work. But the bank, instead of giving me this money ( depositing it in the account ) took the money from me. My balance decreased this amount, causing me losses for being on a trip. I had to borrow from friends to pay the bills. I called and the assistant said that the problem will not be resolved until XX/XX/XXXX. This is absurd!!!
Product: Debt collection

I am writing to formally submit a complaint regarding a debt that has remained on my credit reports despite several dispute attempts through the XXXX major credit bureaus. I have disputed this debt multiple times, requesting verification of the account, but I have not received any correspondence or documentation verifying the validity of the debt from the creditor. 

The continued presence of this unverified debt on my credit reports has caused damage to my credit profile, resulting in denials for credit applications due to having a collection account. I am requesting that the creditor provide proper verification of the debt or have the account removed from my credit reports in accordance with the Fair Credit Reporting Act. 

Thank you for your time and assistance in resolving this matter.
Product: Debt collection

On XX/XX/2022 my credit report showed I had a negative report. Upon looking at what meant I found a utility company trying to collect a debt from an address I have never lived. I am disputing this negative mark on my credit report because I believe it to be fruad.
Product: Vehicle loan or lease

I opened an account with CREDIT ACCEPTANCE CORPOR ( Account # XXXX ) on XX/XX/2018 for a car loan in they amount of {$15000.00}. I was renting the car out and it kept getting impounded. I no longer was able to maintain the car. I called CREDIT ACCEPTANCE CORPOR and explained to them the sittuation. They told me they was going to pick up the car, sell it, and let me know what was the diffrence in the balance. Time so like 6 months pass by and I have not heard from them so I gave them a call, and they told me that they changed their minds and never went to pick up the car niether did they notify me of their actions and I was lost. The car was lost in the pound and they refuse to take accountablity for there actions. It is huge problem for me as it has a negative affect on my credit report. When investigating just play the phone calls as they are recorded, and all of the evidence is there.
Product: Credit reporting or other personal consumer reports

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.
Product: Debt collection

I am a natural person, i am a living human being, i have rights under 15 U.S. Code 1681. 
XXXX is govern by 15 U.S. Code 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

1-Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name XXXX XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 According to 15 U.S. Code 1681 : I have the right to privacy and i did not give XXXX written permission to furnish these accounts.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing to file a complaint against Oliphant USA LLC for violating several consumer protection laws, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that the collection agency be removed from my credit report due to these violations. 

According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is prohibited from making false or misleading representations about the character, amount, or legal status of any debt. However, Oliphant USA LLC has repeatedly misrepresented the amount of the debt owed, leading to inaccurate information being reported on my credit report. 

Furthermore, 12 CFR1006.34 ( c ) ( 4 ) ( I ) states that a debt collector must provide the consumer with a written notice containing certain information about the debt within five days of the initial communication. Oliphant USA LLC failed to provide this written notice, thereby violating this provision.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to provide accurate information to credit reporting agencies. However, Oliphant USA LLC has consistently reported inaccurate information about the debt to the credit reporting agencies, resulting in a negative impact on my credit score.

Moreover, 15 USC 1681-S2 ( 7 ) ( A ) prohibits the reporting of inaccurate information to credit reporting agencies. Oliphant USA LLC has violated this provision by reporting inaccurate information about the debt, which has adversely affected my credit report.

I demand that Oliphant USA LLC be removed from my credit report immediately due to these violations of consumer protection laws. I also request that the collection agency cease all further collection activities and refrain from reporting any further inaccurate information to credit reporting agencies. Also, this is dated on my credit report for XX/XX/XXXX, but the statute of limitations in NY is 3 years. 

I appreciate your prompt attention to this matter and look forward to a resolution in a timely manner. Thank you for your assistance in addressing this issue. 

Showing on XXXX XXXX Acct # XXXX Sincerely, XXXX XXXX
Product: Debt collection

In XXXX of 2013, I suffered a XXXX attack and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX, SC. I was treated and told to contact a provider who would perform XXXX surgery. I received the attached statement after my treatment and assumed an insurance claim had been sent to XXXX XXXX XXXX XXXX as well. I knew that I would be responsible for payment as my deductible and out of pocket maximum had not been met. However, I did not notice that for some reason, my insurance was never billed for services received at XXXX XXXX XXXX. I was unable to pay the balance until XXXX of that year, due to the fact that my husband was laid off earlier in the year. In the mean time, my bill had been sold to Central Financial Control ( CFC ), a debt Collector. After I sent the balance to XXXX XXXX XXXX XXXX, they, in turn sent it to CFC. 

I did have my XXXX removed in the XXXX of 2013 and claims were sent to my insurance company ( XXXX XXXX XXXX ) but were denied. XXXX stated that my deductible and out of pocket maximum had not been met. It was then I discovered that the initial emergency room visit claim had never been made and BC/BS had no record of the {$1400.00} medical bill I had paid. 

I contacted XXXX XXXX XXXX XXXX after finding out that they had not sent my claim in to BC/BS properly. They refused to talk to me because they had already sent my account to Central Financial Control ( CFC ), their Debt Collector. Every time I called, they transferred me to CFC. CFC refused to send in the claim as they had already been paid. I was told that it was not their responsibility. So, I contacted XXXX myself and sent in all the paperwork. They reviewed the hospital bills and other claims from later medical procedures and determined that XXXX XXXX XXXX XXXX was due {$2400.00}. They sent the check to XXXX who in turn sent it to CFC. The original delinquent amount that CFC was due was only {$1400.00}. They issued a refund check to me for the original amount and kept the extra {$910.00}. This was not their money to keep, so they have literally stolen this money from me which I need to pay off other outstanding medical debt. I still have the original refund check. I have not cashed it because I am afraid doing so will mean the account is settled. I called CFC and asked a representative why I was not paid the entire amount and they said they did n't have to. I spoke with a representative at XXXX and an attorney who said what CFC did was illegal. I told the CFC representative that I was going to hire an attorney and they laughed at me. Most of the representatives I spoke with were rude and XXXX even burped on the phone when I was speaking with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify everything in my credit report, and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries and inaccurate addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above. 

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.
Product: Mortgage

Bank of America file false insurance claim and cash insurance check with my name on it without my approval or signature. Bank of America claimed a property was vandalism on XX/XX/XXXX. A tenant was in the property and this is NOT true. They claim a window, door, deadbolt lock, ac, dishwasher, and light fixture. It 's never been a dishwasher in the property there is no space or connection for a dishwasher. They made the claim in XXXX because they new I had insurance in XX/XX/XXXX and this is the last date they could make a claim. They have no report to verify this claim. They are doing this on many property. I 'm aware that they did it to someone else as well. I surrender the property in a bankruptcy. They did n't take possession of the property until XX/XX/XXXX. Bank America Foreclosed on the property and then filed a report for the last date of my policy. Bank America is making false claim on property because they know that the average home owner will never know. Bank of America did n't have possession of the property until XX/XX/XXXX. They gave the tenant cash for keys in XXXX. This is a false claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$590.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I had my balances on three of their credit cards they continued to increase my balance with these crazy fees i wAs being charged four-five different fees causing my balance to escalate and double or even triple in balancr
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I noticed sevearl things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Product: Checking or savings account

On XX/XX/2022 at approximately XXXX I was unable to access information on a transaction dated XX/XX/2022 for {$690.00} payable to XXXX XXXX XXXX XXXX as depicted on my ledger. I called customer service at USAA and spoke to XXXX XXXX employee # XXXX ) The USAA associate instructed me to upload my State ID online at www.usaa.com/identity for a verification process. This is not the standard secured website with multiple authentication processes, but a standard website without any security protocol. I'm concerned with the validity of the website provided plus the fact they can not provide any information on my account until the ID is reviewed. The process to review the ID per www.usaa.com/identity is 3 days. Meaning that if my account was to get hacked, or if I noticed unusual activity I wouldn't be able to report it until after the verification process. It's a very vulnerable situation as a consumer. USAA claims and uses as a shield that this is part of The Patriot Act. Is this true? My account with USAA is XXXX XXXX XXXX.