23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XX/XX/year> and noticed some things are incomplete and not accurate. 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 ). 

According to 15 USC 1681 5 they are supposed 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

International Collection systems ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) is showing a debt for XXXX XXXX University for {$1100.00}. I never had an account there. XXXX XXXX is saying they have a contact, but it is the incorrect social security number. Both are refusing to acknowledge it is identity theft and remove the debt and collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, and Experian are housing and inaccurately reporting my non-public personal information to nonaffiliated third parties for unjust enrichment. As required by 12 CFR 1016.7, I was never provided a clear and conspicuous notice accurately explaining my inalienable right to opt out of my nonpublic personal information being shared with nonaffiliated third parties as provided under 12 CFR 1016.10 ( a ). XXXX XXXX did NOT provide reasonable means by which I may exercise my right to opt out. This gross negligence is placing a restraint on my ability to operate in commerce and severely impairing my inalienable right to Life, Liberty, and the pursuit of Happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute the specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account immediately. 

XXXX XXXX
Product: Checking or savings account

I cancelled a payment at a XXXX XXXX on XX/XX/XXXX. The pending charge was officially let go back into my account on the first business day of XX/XX/XXXX. The XXXX has shown me proof of the cancelled transaction and proof of money being sent back to the bank on XX/XX/XXXX. When I contacted SoFi they told me there would be a hold on the pending transaction for at least 30 days with no reason at all on why there is a hold form my account except to blame the merchant, being XXXX. XXXX has proven several times that the pending transaction is back in the hands of my bank. At this point SoFi bank is holding {$650.00} with no explanation or reasoning in sight on when I will get it back. It has officially been 17 days of this pending charge not back in out checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I my personal credit information was exposed in both of the XXXX data breaches. I have been working on fixing my credit since XXXX of XXXX when I first noticed the problem. Both XXXX and XXXX accepted my paperwork with no problems and blocked the information from my credit report. I have submitted the same paperwork along with additional notarized paperwork every time they ask to XXXX and since they have added 2 additional variations of my social security number along with an entire social security number all together. They have added fraudulent address that have never been reported to my credit files along with additional fraudulent accounts that have seemed impossible to remove no matter what information I submit. I have spent countless hours on the telephone and sending documentation along with money sending certified documents and getting paperwork notarized multiple times. I have lost several contract for my business because of their poor credit reporting of fraudulent information. They have been extremely negligent with my personal information and I have been unable to resolve this issue through regular channels. I get different information every time I call and it has effected every aspect of my life. 

Fraudulent Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collection Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX National Credit Systems ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my consent or by someone pretending to be me. 
XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX of XXXX
Product: Checking or savings account

Chime wrongfully is closing my account and wont tell me why
Product: Checking or savings account

My complaint starts of XX/XX/2021 when I had the amount of {$3700.00} dollars missing from my current baking app I tried reaching out to current they were not able to help other than issuing me a new debit card. I woke up today XX/XX/XXXX with {$510.00} dollars missing from current baking account once again I reached out to current and once again nothing is being revolved. I have a active police report Im waiting for. Im placing this complaint due to I need a full investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

In accordance with the15 USC 1681 section 602 A. States I have the right to privacy15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Account Number XXXX XXXX Reported Balance {$8300.00} Reason : ID THEFT - This Collection Is Not My Account
Product: Credit reporting, credit repair services, or other personal consumer reports

My closing date for the Capital One credit card is allegedly the XXXX of the month. However, according to XXXX the last time my account was updated was XX/XX/. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full onXX/XX/XXXX. My account should have been updated by now, XX/XX/. I spoke to a supervisor, XXXX, who stated she could not or would not correct the problem.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX and I am the wealthiest man in the world, I have many judicial lawyers to be out of the United States Patriot act and they are national archives in the informative quarantine section in the informative quarantine 's titled, " PA '', " Patriot Act '', " PA2 '', " PA3 '', I HOLD A CURRENT IN THAT BADGE FOR UNITED STATES XXXX XXXX POLICE, I am XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX in the United States military. Someone found an IRS 8888 form and stole my tax return the amount of approximately XXXX XXXX {>= $1,000,000} dollars and they also opened in my bank for my account a merchant account that is always XXXX accounts in one account if you want the other accounts you may open up I am a merchant, stream force is a merchant. The transactions XXXX XXXX XXXX, and XXXX  ACH Transfer check XXXX are major transactions that should be deposited into my account.. XXXX XXXX is a XXXX XXXX XXXX dollars in XXXX  check is XXXX XXXX also superficial exile in the United States military The dizzy position you may not have without having XXXX XXXX XXXX XXXX XXXX XXXX dollars exposed invisible in an account for 6 months. The other positions that I hold in the military require much more money visible. I attached to this letter all of the evidence XXXX  and XXXX XXXX transactions, the Wells Fargo user access agreement that states authorized user or guest user and I should be an authorized user on my account but instead I am a guest user and the bank will not change it do there is no other person that opened the account with me or has their name on the account, this Wells Fargo account is an everyday checking account, in the account number is XXXX. My identity theft insurance on XX/XX/XXXX shoes a major withdrawal from my account and I did not make any transactions to that day also there is no way that online banking will show this but I link the account with plaid for Id theft. I have to have my tax return in order to phone and I must amend the return also and I still have to fail XXXX federal income tax and State tax. The deposit on XX/XX/XXXX from the IRS show slip it is for tax not stimulus, it speech tax in the transaction and IRS deposit. It is a violation of the subsequential international level of XXXX XXXX for my money to not be handled by me or be stolen from me because I hold the position you're XXXX XXXX in the United States XXXX, the United States land was already sectioned into eight sections by Congress whenever I was seven because of wrapping me up with information that is maintained on me by the XXXX XXXX XXXX that is declaratory to be amended and removed because of the United States traveling a pre-trial visiting subliminal abeyance and is finalized for the amendment and removal of the information they just maintained on XXXX XXXX by the XXXX XXXX XXXX. This subliminal pretrial abeyance that is finalized is case number XXXX XXXX in the district of XXXX  district federal court. I hold the slots the United States supreme Court chief justice in the barr license in the information being amended is declaratory over anything that is capable of being done in the world to hold it.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX$500.00} XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX {$5600.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX By Mail Only their customer service would not help and take care of the negative inquiries reporting to your credit report
Product: Payday loan, title loan, or personal loan

This company is deceptively doing business as Allied Cash Advance and using the actual company logo when in fact they are not affiliated with them at all. 

I received a loan approval for a range between $ XXXX {$8000.00}. In order to secure the loan I would have to pay {$300.00} either by debit card ( which would take XXXX business days to clear ) or by using an XXXX  payment card or XXXX 

I spoke to an actual Allied Cash Advance representative over the phone and they stated this is not their company policy and that they do not do installment loans in the state of Indiana which is where I live. 

I will attach a copy of the loan agreement and email I received with the phone number. There is no website for this fake company.
Product: Credit card or prepaid card

MACYS store card is been charging me late fees on top of other " hidden fees " for late payments and more I've been paying on time since 2022 and now that I check on XXXX I owe double the amount before which was {$400.00} ( owing ) now is {$800.00} without using the card x months!!! So payments are going NOWHERE and the monthly charges are increasing even more every month... now the amount is {$860.00}!!! When my card limit {$800.00} I've been calling and they just want me to keep paying every month while I'm being charged like I haven't made a payment... they hang up phone and no one helps me to explain
Product: Credit reporting or other personal consumer reports

I have three credit card I know nothing about I am in a XXXX  XXXX. I have asked many time for the approval from the XXXX  XXXX Trustee that I an incure new debt. No letter has been provided. And a few more things are 2017 under the 7 year rule they should be removed. Please seen all documents. I attached to all three credit reporting agencies. I attached the suff that needs to be remover three credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should send me the approval for the XXXX  XXXX Trustee. And the two things under thev7 year rule are XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

I have a mortgage loan with Bayview Loan Servicing and I have been attempting for over a month and a half to get a detailed transaction history on my mortgage account. I have faxed Bayview a formal request as well as emailed representatives with the company of my request. 

My request is for a detailed account of my mortgage since its origination in XXXX of 2005 when it closed with XXXX. I want to account for every dollar added to my mortgage loan since the origination date. This request would not only detail the payment history but also the added fees to my mortgage.
Product: Mortgage

reopen case # XXXX. Bank 's reply is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reporting or other personal consumer reports

I have requested directly to XXXX XXXX that 2 different accounts be removed from my report ( s ), as that they allowed the accounts to be opened using my information, despite my credit being frozen. I provided all the information from Experian that was provided to me. I filed disputes with Experian as well. 

The first dispute through Experian ( first account ) got denied, with XXXX stating the information was accurate. It is not. This account was opened on XX/XX/2024 ( while my credit report was frozen ) with an original balance of {$370.00}. It was closed some time in XX/XX/2024. No late payments, but also not an account that I opened. 

The second dispute through Experian ( second account ) is in progress and XXXX has also opened an investigation, but I have little confidence that the result will be any different. This account was opened on XX/XX/2024 ( while my credit report was frozen ) with an original balance of {$1300.00} and a current balance of {$1200.00}. This account remains open, had several payments made on time, but has now become at least 30 days past due as of XX/XX/2024. This is heavily impacting my credit score. 

I did not open these accounts. I have been the victim of identity theft for over 7 years now and XXXX is the only company that has caused issues with correcting the fraud. Considering the data breach they experienced, one would think they would understand how identity theft works and make efforts to correct it when it happens to victims. 

My credit reports have been frozen for many years. Further, on Experian I have a fraud alert on my report ( as of XX/XX/2024, well BEFORE either of these accounts were fraudulently opened ). 

XXXX needs to correct these instances of fraud and have the information they falsely reported to Experian ( and any other credit bureaus ) removed. Further, they need to actually respect the fact that I have a credit freeze on my reports and stop giving this thief accounts/money. 

At this point, I consider XXXX XXXX complicit in allowing these fraudulent account creations and their continued existence. I would highly recommend anyone entertaining the idea of doing business with XXXX to avoid them at all costs.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Services added a collections account to my CR on XX/XX/20. I have never heard of this company nor do I have any outstanding debts. After some online research I've discovered that this particular company has a habit of filing inaccurate or fraudulent accounts on consumers credit reports in an attempt to scam the consumer into paying a debt that is not owed. This is fraudulent, predatory and overtly illegal activity. That is why I'm reporting them to the CFPB.
Product: Vehicle loan or lease

I called to make a payment 3+ times. First time, they transferred me to a call center in XXXX. They could not transfer me to the USA. I call them back, the associate refused to tell me if he was located in the USA, kept repeating himself and refused to answer questions. I asked if he could take a payment and he refused to.