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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit 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. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX  account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a XXXX XXXX opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number 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 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: Credit reporting, credit repair services, or other personal consumer reports

Ive written Equifax, XXXX, and XXXX about settlements I completed with proof and they still report the account. I wrote letters the entire XXXX. 

Collections have been added to my files when the agencies have not reached out to me or the medical bills are apart of a litigation. I submit disputes. No response or change to report has happened. It has been XXXX months since the medical bills have been added and were not my obligation XXXX of XXXX a collection was added to my accounts that I had no knowledge of. 

They continue to report negative items without verification. The agencies continue to report items that were settled and taken care. No matter how many disputes I submit. 

I paid my credit card down in XXXX and for over a month the credit agencies reported a wrong balance. 

I sent letter in XXXX clarifying my current address and name and information I wanted to be on the report and information that is outdated removed. Nothing has changed. 

My fair trade credit reporting rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about 6 months, I have been disputing an collection account placed with the credit bureaus by ABILITY RECOVERY SERVICES , LLC. 

This is not my debt. I have previously called the public phone number for Ability Recovery Services and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against Ability Recovery Services and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. Ability Recovery Services is responsible for me being denied for a credit card solely based on a collection account they reported.
Product: Payday loan, title loan, or personal loan

I received a call from an unknown number stating that they had a courier in my area and I would receive a delivery today that requires a signature at my residence or place of employment and to make sure I had a valid form of identification. They told me if I was not going to be available or have further questions to contact XXXX. 

Called back and was harrassed, given my personal info such as SSN, place of employment was 10years old and business nameand he told me my driver 's license would be suspended and bank privileges revoked due to a loan from XXXX I have never received a loan from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX Account # s # XXXX XXXX  XXXX, # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Bankruptcy, 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 instruction.
Product: Debt collection

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 

the following account is in violation :XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX 's ( {$1900.00} ) XXXX ( {$240.00} )
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies and unauthorized actions related to my consumer credit report. Specifically, the deletion or blocking of accounts, personal information, and inquiries that resulted from a data breach or fraudulent activity is governed by the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). These sections ensure protections for victims of fraud and require credit reporting agencies to take immediate corrective actions when notified. 

In this case, I discovered unauthorized accounts, inaccurate personal information, and unapproved hard inquiries on my credit report. I never authorized these actions, which constitutes a violation of my consumer rights under the FCRA. To ensure compliance, I requested verifiable evidence bearing my signature or electronic signature, as required by law. After contacting the relevant companies, I found that these actions were initiated without proper validation or compliant proof from any of the reporting entities. 

The errors I am disputing include : Personal Information Errors : Employer : Incorrectly listed as XXXXXXXX XXXX 
Previous Addresses : Incorrect entries include XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 
Date of Birth : Incorrectly listed as XXXX. 
Current Address : Incorrectly listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
Name : Incorrectly listed as XXXX XXXX. 
Disputed Accounts : XXXX - XXXX. 
XXXX XXXX XXXXXXXX. 
Disputed Collections : XXXX XXXX - XXXX. 
Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX 
I am requesting that these inaccuracies be thoroughly reviewed and corrected as per my rights under the FCRA. The affected entities have been notified, and I am seeking evidence to substantiate any claims against me to ensure my credit report reflects accurate and lawful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting false & misleading information. 

Name on alleged debt doesnt belong to me. Different name on account. 

Amount {$260.00}
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 XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 reporting, credit repair services, or other personal consumer reports

I have disputed several times with Experian fraudulent things that are on my credit report due to identity theft. They have refused to accept my dispute claiming they didnt believe it was me. I filed a report in a complaint with the CFPB previously and the only thing Experian did was email me telling me I had to re-dispute everything that they had no type of file of me disputing anything, they are lying. They are refusing to let me dispute certain things because theyre connected to addresses that are fraudulent and theyre refusing to let me dispute addresses because theyre connected to fraudulent accounts. They have had several breaches, and I do not trust them. they have notified me that my information is on the black web, and it shows me different addresses, and names that are trying to use my Social Security number, but they refuse to do anything unless I pay them to remove them.
Product: Student loan

Predatory lending, issues with high interest rate, and issues with high repayment options.
Product: Checking or savings account

XX/XX/XXXX  at  XXXX   XXXX  mom & I went into Bank of America to add me to ALL of her accounts as she is getting up in age. We took her trust and all of the Power of Attorney papers. We met with  XXXX   XXXX  Relationship Manager  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  we worked on our issue many, many times  XX/XX/XXXX ,  XX/XX/XXXX , until we thought it was resolved. I tried calling the IRA dept  (  spoke with  XXXX   XXXX   XXXX  X  XXXX  ) where her CD is and they said they have no record of the  POA  and could not speak with me ( I needed info for her tax man this year,  XX/XX/XXXX   )  I tried working more times with  XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . I was told I ned to fax in the POA papers to the IRA dept and all should be fine. I also spoke iwth  XXXX  supervisor,  XXXX   XXXX   X   XXXX .   I faxed the papers to  XXXX  on the following dates :  XX/XX/XXXX  and after a month he finally said did not return my calls so I made a complaint with your c o (   XXXX  ) and I heard from a   XXXX   XXXX    XXXX  X  XXXX . She said to fax it into her direct ly (   XX/XX/XXXX  ) and she will make sure  BofA  had it.   OK now she received it but I need to ma ke 1  more appt with  XXXX  so they can get some ID from me and verify that the POA would get to the document center, which should be the right place. That appt was Monday  XX/XX/XXXX . I also met the Financial Center manager,  XXXX   XXXX   XXXX , he GUARANTEED me I would not have any more problems and he is very sorry I went through all of this. ( Mom is now on  XXXX   )   XXXX  called me wednesday  XX/XX/XXXX  and asked if everything went well with my last visit. I answered " I hope so but I am not convensed because I was told 9 months at the local branch in  XXXX , CA that is was taken care of but it was not. '' She said OK give it another day and then call the IRA dept and make sure they will speak with you.   So on Thursday  XX/XX/XXXX  I called in and spoke with  XXXX   XXXX   X   XXXX , he told me he CAN NOT speak with me directly, only my mom that I need to go into a branch to handle things. I told him about my meeting with  XXXX  and his supervisor  XXXX  earlier that week, so he called  XXXX  and said he can not speak with me  ( still ).    I then asked both, why have I bothered jumping through all the hoops you required of mom & me when you STILL cant help me?   I put another call into  XXXX  the mediator and she has not called me back.   Now I find that you closed the case??? It is NOT resolved!!
Product: Credit card

I was contacted by Discover in regards to verifying my personal information for their records in XXXX of 2024. I received a call in regards tot his matter, and was unsure of whether the call was a scam or not so I said Id call back. Upon calling Discover, I was advised it was a call from Discover and they did need to verify me. I then completed the verification process. 
Without my knowledge, Discover then was unable to verify my information, and sent an email in regards to me needing to submit more information. I didnt see the email, and Discover later closed the account. I am a XXXX XXXX and my preferred method of contact with anything business related is phone calls due to me not being as active with checking emails due to my multiple XXXX XXXX, XXXX XXXX I never received another call from Discover informing me of their decision like they did with the initial outreach, and after not receiving a call they didnt try a different method of contact. 
I called Discover XX/XX/XXXX after noticing my available balance wasnt reflecting the payments I was making on the account. That was when I was informed of their decision to close my account in XXXX. I asked if it could be reinstated due to me not knowing, they said no. I didnt ignore their request due to lack of proof or documents needed, I just honestly am unable to keep up with emails.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to pull my credit information XXXX XXXX and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from XXXX  Equifax an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to XXXX XXXX, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police report
Product: Money transfer, virtual currency, or money service

I am a current university student. The scammer entered a group chat intended for students to buy and sell tickets. The scammer pretended to be a student and solicited money from me and other students over football tickets. I paid the scammer money and never received my football tickets. The transaction was made over Venmo. I contacted Venmo and told them the situation, but was told no further mediation was possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of credit denial in XXXX of this year, I sent a copy to the three credit bureaus along with a letter including my social, name, birthdate and address. I received a copy of my credit report from XXXX only. Experian claims they didn't understand my letter even though I sent a copy of the letter of denial. XXXX did not respond.
Product: Debt collection

I had a debit with XXXX however they are in the XXXX and called my all diferent times a day and night even at XXXX. they turned account over to collection company who does the same thing even calls me on sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well on experience credit debt as far as the brief settlement it seemed to be that I put in my claim I have been breached my social security number had was breached from XXXX experience and Equifax and they having something no rewards yet and I put in my time and everything like I supposed to and police reports and they haven't did anything so I would like for you guys to make sure that I get my do justice I want come please on a dare policy I mean the rewards I mean I have been breached I should be getting a full of maximum amount I put in all my hours I put it in the data I gave them actually I gave them the report papers and everything but they haven't reached out they having something on check I don't know what's going on please help me out thank you
Product: Vehicle loan or lease

Iwas slate on a few payments back to back I told bridge crest that I would be able to pay the behind amount on the XXXX of XXXX ( I belive it was ) and when I had contacted them the XXXX they said the car had been written off and sold to monarch recovery, and there was nothing more the could do to help. I talked to several different departments and they got very rude with me when I informed them that I too was recording the call for quality assurance they immediately hung up and stopped taking my calls. Then months later actually it shows on my credit report that bridgecrest bought back the debt from monarch recovery then wrote off XXXX of the total saying that I still owe XXXX. According to XXXX  users laws and other laws in place from what I can gather it is illegal to sell off a consumers debt to another company especially out of state, and it is illegal to then buy it back and slap it back on the consumer. All of these events can be viewed via my credit report to testify to their accuracy.
Product: Credit reporting

I paid my XXXX account in full on XX/XX/2017 and I 've submitted documentation to all XXXX credit bureaus and they refuse to change the status of my report or remove the item completely from my report. Also I 've filed some disputes but they have seem to have lost them?
Product: Debt collection

15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines. 

XXXX XXXX : Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Ms : Over this past weekend ( XXXX XXXX ), my wife and I submitted a mortgage application to determine our options in the purchase of a property here in XXXX VA XXXX I don't recall getting an opt-out option, but the credit bureaus shared our information with appears to be hundreds of lenders. My wife and I have each received more than 65 calls each ( XXXX calls total ) just this morning. It is atrocious and unacceptable that the same institutions that we count on to safe guard so much of our personal information are turning around and sharing this on the back side with a hungry and depressed mortgage banking market. I have never in my life had such an experience - we need strengthened data privacy laws so that my personal information is not shared with other lenders without my knowledge. I will make the decision on whether to shop around for other lenders not the credit bureau. Your assistance with this matter and sharing options for how to change this would be much appreciated. 
Sincerely, XXXX XXXX ( M : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account # 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 and also the creditors reported inaccurate financial information about me.
Product: Checking or savings account

Citibank closed my bank accounts and have not returned the funds from the account. One account has {$88.00} and the other account has {$73.00}.
Product: Mortgage

Im trying to refinance my existing mortgage and Bank of America is saying to was late making a XXXX XXXX payment that I wasnt late on. They held my money telling me to make a partial payment because I had money from an overpayment that was going to be applied but never was applied and in result they held the money I was told to pay and never applied any fund to that month as I was told the were going to by banks loan representative on the phone.