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

I reviewed my consumer reports and noticed I had two payments I was never late for. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late for the accounts so I have included screenshots inside this complaint on the dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these late payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late Thanks! Please see the screenshot attached :
Product: Debt collection

I have a a unverified account from PORTOLIO RECOVERY ASSOCIATES. I had previously disputed this account. I have never done business with PORTOLIO RECOVERY ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that PORTOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( XXXX ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two medical collections that Equifax continues to report yet information had been requested directly from XXXX and XXXX XXXX XXXX and they have not responded. How is Equifax able to validate this if they will not even send the information to me?
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 Experian XXXX XXXX XXXX XXXX reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of Auto Financing Companies XXXX  XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX. Another fraudulent inquiry, consist of XXXX XXXX, XXXX XXXX Inquired on XX/XX/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 # ( 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, credit repair services, or other personal consumer reports

Trans union reports XXXX XXXX  hard injuries on my account that were part of the ID theft. The other XXXX  have removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am very disturbed that Equifax continues to post in accurate and unverified items on my credit report. I have sent numerous letters with minimal response to obtain a written procedure of their method for investigation into my disputes and in most cases, they have failed to respond completely as this is XXXX of the cases of the dispute letters, I sent out on XX/XX/2021 and it is now XX/XX/2021 and I havent gotten a response in writing yet. It appears that Equifax doesnt care about damaging my consumer profile with unverified and inaccurate information that has prevented me from obtaining homes, employment and lower interest rates when attempting to apply for credit in which I have been denied numerous times due to Equifax XXXX ( SOLELY ) on XXXX to do their investigation with some out dated numbering system that guesses what category, number or classification a consumer dispute fall into for verification without no one but a computer reading dispute and no human responsible for deciphering the dispute. This is the main reason the CFPB receives XXXX complaints on Equifax a year and Equifax has not changed the way or process they verify consumer data because they DO NOT CARE about insuring, they post accurate and verified data on a consumers credit profile. At the beginning of XX/XX/2021, I noticed Equifax had reinserted items back on my credit report that had previously been removed. Equifax did not send me ANY notification nor did the entity that Equifax claims verified the erroneous information on my credit report PRIOR to reinserting these negative inaccurate unverified items on my report which are listed here as I have asked by phone and mailed letters for Equifax disputing there claims and remove and delete these negative inaccurate unverified items OFF my credit report. They consistently drag their tail and sometime but not often send a vague response to my questions in my dispute letters and by phone. I consider this a very shady practice and I expect better from an entity that controls whether a family will be able to purchase a XXXX home for a family of XXXX or living in a government housing project because Equifax doesnt XXXX enough to ensure consumers credit reports are accurate. Equifax NEEDS to remove and delete immediately these items below as they have not verified them at all no have, they sent me ANY of the detailed information I requested by phone and by mail. 
DELETE AND REMOVE AND NEVER REINCERT THESE ITEMS OMN MY CREDIT REPORT AGAIN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CHILD SUPPORT XXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reaching out to the CFPB is my second to the last options because my final option is seeking legal advice as I have an extensive XXXX XXXX to support my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, XXXX  and TransUnion credit bureaus, they tell me something different non sense. please help me to sort this out.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX EST received an email indicating I had opened a savings and checking account with Citizens Bank. I received additional emails indicating I had given permission to transfer XXXX from a XXXX XXXX XXXXXXXX Account to a new checking account and a second XXXX to a savings account. My main checking account is with XXXX XXXX XXXX but the number they used was off by XXXX digit. I called Citizens bank asking they close these accounts, I worked over the phone with them for over an hour and was told it would be handled I asked for report number told to hang on and was disconnected. After trying to call back was told it was being worked on and no report number available yet. Then on XX/XX/year> at XXXX XXXX  EST I received an email indicating I had changed my email address but they send it to the new and old address. This informed me that the account had not been closed so I again called Citizens Bank going went through the process again. At the end while speaking with a supervisor was advised to fill out a report here with the FTC.gov.
Product: Debt collection

I previously sent two requests for validation of the debt. Never got an answer from Phoenix Financial. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. The date of my accident was in early XX/XX/XXXX ... they are trying to show a date opened of XX/XX/XXXX when they apparently bought this debt from some other collection collection. I believe that Statute of Limitations for this matter has already expired and the entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.
Product: Checking or savings account

I opened a account in 2011 when I was XXXX XXXX XXXX ... ..after about 10 years I came back to reopen a new account and they have me on a block list for old accounts I've never opened I
Product: Debt collection

The company, XXXX XXXX XXXX, purchased a debt from Ad XXXX after I was able to successfully dispute the account and had it removed because I am a victim of identity theft. The company changed the dollar amount the account number and added it back to my credit report, which are violations under the FCRA.I have contacted them on the following dates occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and have not received a response to my debt validation letter requests, which I have a right to request Fair Credit Reporting Act, Section 609. This debt is not mine, I have not applied for and loans from Speedy Cash, the original debtor.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking of the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$220.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00XXXX XXXX XXXX  XX/XX/2022
Product: Money transfer, virtual currency, or money service

I am submitting this claim because of the recent CFPB lawsuit, which sues XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX for allowing widespread fraud through Zelle. The lawsuit highlights the significant issues that Zelle has. Despite being a frequent user of Zelle, through my bank, XXXX XXXX XXXXXXXX, they have failed to investigate claims multiple times and would tell me that it was impossible to track and recover the lost funds. The lawsuit alleges that these bank institutions failed to investigate the complaints properly or would fail to even provide the legally required reimbursements. Zelle has not only neglected to protect consumers but allowed repeat offenders to exploit the system, which leaves users vulnerable to scams, even all while under their own bank institutions. It's the lack of accountability that raises serious concerns for consumer safety.
Product: Debt collection

I mailed a letter about Child Support Reporting on my Consumer Report on XX/XX/2021 and I have not received a response to my letter. Today is XX/XX/2021 and that's over 45 days. My action was to send the letter to inform them of their violations of my privacy on my Consumer Report with the Child Support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no connection with the creditors mentioned.
Product: Credit card

Please review the enclosed files and initiate an inquiry into the accounts where I have consistently maintained a punctual payment record, yet they are erroneously reporting me as delinquent.
Product: Checking or savings account

An unauthorized transaction was made on XX/XX/XXXX for {$1500.00} on one of our debit cards even though the card has never been lost or stolen. Regions refused to refund the transaction that was within 60 days of reporting because there were similar fraudulent charges that dated back to XXXX. The fraudulent charge in question was an XXXX charge, which is the most common retailer that we normally use so we didnt notice someone had our debit information because there was never a point where the card was lost or stolen. Someone has been using our card info to make small $ XXXX purchases at random times, so we didnt notice until a large purchase was made. Regions refused to follow the Electronic Funds Transfer Act because the first fraudulent charge was made over 60 days ago even though we are only disputing the larger {$1500.00} charge made less than 60 days ago. Their reasoning makes no sense because someone could easily make a {$5.00} purchase using someone elses information, wait the 60 days, then make a {$5000.00} purchase. The Act is written per transaction for that very reason. Regions is breaking the law by not following it because we didnt notice small charges on our account from a retailer that we always use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Amount {$2500.00} Date Opened XX/XX/2020 This account was settled with XXXX XXXX years ago and agreed that it was opened fraudulently and that I am NOT responsible for the debt.
Product: Money transfer, virtual currency, or money service

XXXX XXXX - Fiserv for there online banking payment. I spoke to an agent @ Fiserv XXXX ( XXXX XXXX ) with her supervisor sitting with her. She was confused with the questions I asked with changing the answer several times. Frustrating and out of patient, I asked to speak with her supervisor which she replied " I can take your name and she would call me in 48 hours. I told this was imperative the timeframe is unacceptable but repeated several time with the supervisor listening to call. Finally after 30 minutes of incorrect information and refusal to get the supervisor ( XXXX XXXX XXXX, the supervisor ( XXXX XXXX XXXX got on the phone. I asked the question " so you were listening, I do the same thing with my new agent ... the only different is I would not stress the new agent because she still learning. I would have taken the call to avoid a Bank Legal Issue. The scary thing was XXXX as supervisor ( XXXX XXXX ) could not explain anything either. XXXX asked me for phone number and would call me when she get to her desk because she was sitting with new agent. OMG.. I said " so you were listening..she answered yes... I said your comment getting back to your desk. i think she return the calls but I was on the phone XXXX. I requested transmitting information t compare before filing a complaint against Fiserv and XXXX so there will be 2 complaints against financial and processor ( Fiserv ) institutions. On XX/XX/2022 same day as contact Fiserv and they said to call XXXX so I did. 
XXXX XXXX XXXX ( XXXX ) says online electronic payment are sent to the recipient but the recipient have to accept it before they send the actual payment. That's incorrect the financial institution sent the payment through clearinghouse ( in Batches when the payee like XXXX XXXX XXXX ) then once recipient receive and post the payment. Aslo, stated the updating payment confirmation number started with XXXX which totally wrong and misinformation to avoid accusing XXXX I have several scenarios o XXXX Bank online Bill Pay and I found the following : - Online payment confirmation numbers begin with XXXX - Canceling a pending payment confirmation numbers start remains the same - Edit a pending payment confirmation number start with XXXX
Product: Mortgage

My father took out a reverse mortgage with Financial Freedom Mortgage, a division of OneWest Bank. The bank has foreclosed on the mortgage stating that he was not the primary resident of our home. They sent a process server to serve him with a summons & complaint but my father did n't have the capacity to understand due to him having XXXX and they said that they served me with the summons & complaint which is false. I was never served and their affidavit of service is fraudulent.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX , XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I set up auto pay and they refuse to stop calling me even though I called them back today and explained the situation. There is some problem with auto pay even though they have my bank account number and authorized it.
Product: Credit card or prepaid card

This is for Boa XXXX claim number XXXX. 

My Bank of America XXXX account associated to card number xxxx ( the card that receives the unemployment insurance and Pandemic Unemployment Assistance XXXX from XXXX ) got hacked, and {$35000.00} funds in the card got transferred out without my permission from XXXX, a total of 7 transactions. I noticed the {$0.00} balance in XX/XX/21 and reported it the same day. 

The fraudulent transactions show " Direct Deposit Funds Transfer to checking/savings '', and the fraudulent account is a checking account ending # XXXX, the routing number is XXXX. This account was added to my account by the hacker. 

The same fraud has already happened one year ago reported by local TV news station XXXX, the same thing is still happening again and again. BoA had done nothing to prevent it from happening. 

BoA XXXX account lacks of 2 way verification so anyone who got your bank account login name and password is able to login and change all the personal information. In our case, the hijacker went in there, changed the email and phone number, we did not receive any notification about that from the banking system. Then this person went ahead attached some account and transferred all the money out.
Product: Credit card

I used my Lowes card to purchase something with promotional financing of 0 %. I regularly made payments throughout the year and finally was ready to pay off the remaining amount. Sychrony provided me an extra 30 days to pay the remaining amount. I then contacted them to ask how much was remaining and they gave me an amount. I paid that within the extra 30 days and I went back to request the interest get removed. They did remove it, but then told me I still had a balance of $ XXXX to pay because the payments I had been making throughout the year didn't get applied to the purchases throughout the year, just to the promotional balance. So I still had to pay off those purchases and any additional interest that was charged because they didn't clearly tell me the " interest saving '' amount to pay every single month.
Product: Credit reporting or other personal consumer reports

There are mistakes on my credit report tied to 15 USC 1681c-2. Hard inquiries I never authorized are listed and affecting my credit. I request their immediate removal.