23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TSI/XXXX has been reporting that I owe {$660.00} to XXXX XXXX however, that account is not mine. The bill that I received for that account was in the name of XXXX XXXX. I am aware of my rights under the Fair Debt Collection Practice Act and know that it is illegal to report a debt that is not owed by me under my social is illegal and considered reporting inaccurate information and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried talking to the credit bureaus in regards to identity theft and they just ignored me I sent in a identity theft affidavit notarized and sent certified and was still ignored
Product: Credit card

On XXXX/XXXX/2016 I applied for an American Express Everyday card. I received an email stating that my application was pending. I got notification later that day that my application was declined due to past account closures with American Express. I called into American Express on XXXX/XXXX/2016 to discuss the declined application, the informed me that my application was declined due to prior accounts being charged off in Bankruptcy, and that until I paid them back to American Express, American Express would not issue me another credit card ( much different then what the letter I received stated ), I reminded the associate that the balances were discharged in bankruptcy and that I was legally not aloud to pay them back with out paying all my former creditors back. She still tried to transfer me to the recovery area so that I would pay the past balances back. This is a clear violation of US Federal Bankruptcy Code, Attempting to collect a debt after it has been discharged in bankruptcy. I informed the representatives manager of the situation, he tried to cover the situation up by saying she would never ask that I pay back a debt discharged in Bankruptcy. I asked him to have my application reviewed based on my credit worthiness and to speak to someone who could review my application manually instead of a screening software. He sent the request in and told me it would be 2-3 days. 

In the mean time, I tried getting in contact with American Express 's Executive Office to file a complaint against the representative who violated the law and to ensure that my application was being forwarded to the right area for manual review. I was unsuccessful in this matter. I found an email address online for the Chairman/CEO of which I sent an email outlining my complaint of illegal activity and my request. I received a phone call on XXXX/XXXX/2016 from XXXX of there Executive Referral team who listened to the call and did verify to me that the representative did in fact request that I pay off the balance in direct violation of US Bankruptcy law, and did confirm that she would be getting my application over to the appropriate area for manual review. 

On XXXX/XXXX/2016 XXXX called me back and indicated that the RISK area of American Express reviewed my application and declined to move forward with it due to a prior loss American Express took. This is a second clear violation of federal law ( fair lending act ) as they are not basing the lending decision on credit worthiness, they are basing the decision solely on a prior loss American Express took in a bankruptcy. XXXX mentioned that the VP of risk reviewed the application for an override to the prior account closures ( very small loss in bankruptcy ). When I asked what criteria they looked at being that I have much higher income and assets then there standard Amex Everyday card customer ( being that this is there entry level card ) since they did not pull a hard copy or soft copy of my credit report all she could tell me was that it had to do with the prior accounts included in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all inquiries from XXXX XXXX and XXXX XXXX are fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between XXXX - XXXX when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same.

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent Transunion and XXXX a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score.

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both Transunion and XXXX were able to verify the accounts as fraudulent, still XXXX keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over 150 points. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX, I called XXXX. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXXXXXX XXXX have incorrect information on their report. They did not provide bankruptcy information and other accounts accurately. 
XXXX XXXX credit card and XXXX  XXXX credit card as well.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX report delincuent Account : I am proud to have excellent credit until XXXX XXXX XXXX XXXX makes errors in my account reporting 120 days late on my payments. The problem was communication and system malfunction not crediting my payments, saying they didn't receive them then telling me the Bank requested to return those payments. for my inconvenience, my account with the Credit Card was closed by the XXXX XXXX without my knowledge. 
I was not able to print out my statements for verification of my transactions. 
Thank you for your help in recovering if possible my Good Credit. 
Sincerely, Me.
Product: Credit reporting or other personal consumer reports

please see attached documents fraudulent accounts do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX supplied " Alternate facts '' that showed information that was outdated and not matching my three credit reports, which First Hawaiian Bank used to deny us credit.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Received a text that looked identical to Bank of America texts we get when there is suspicious activity with our account. The text included on the text asked if we authorized a XXXX transaction of {$290.00} and showed below this a XXXX XXXX, {$9400.00} Pre-Authorized, XX/XX/XXXX. We declined by saying no and then we immediately got a phone call from someone posing as a BOA representative. The caller ID had BANK OF AMERICA on it so we thought it was an actual BOA rep. The caller stated that there was a XXXX transaction, as mentioned above, and there was a wire transaction of {$9400.00} made from our account and the person recommended cancelling our debit card to our account and reversing the wire transaction. They walked us through the steps to do this and we should have the money back within XXXX hours. Nothing seemed suspicious at all. Received a text exactly like we do with real texts from BOA and received a call with a BANK OF AMERICA caller ID on our phone. On this date, {$9400.00} was taken out of our BOA savings account. The next day, XX/XX/XXXX, {$5100.00} was taken out of our BOA checking account for a loss of {$14000.00} + XXXX {$30.00} wire transaction fees. We have never wired any money in the XXXX years we have been BOA customers. Why this wasn't caught as suspicious activity and denied I have no idea, especially when I can go to my home town gas station and try to use my debit card and it get declined because of " suspicious activity ''. Makes no sense. When we actually talked to someone at BOA, they recommended us to fill out claim forms and return them to them. It took them XXXX days to get us the forms. We immediately filled them out and returned them. They told us that's all we needed to do. They told us the money was wired to a XXXX XXXX and they sent all the necessary forms to the XXXX XXXX department. It has been XXXX days since this happened. BOA has never contacted us to update us on all the money that was stolen from us. We have called the BOA XXXX department once a week to get updates. Throughout this process we have been told that both claims were under investigation. We were told later that they were no longer being investigated because they have been moved to " collections '' and they told us this was a good sign. Yesterday, they told us XXXX hasn't responded back to BOA and now BOA is going to have to resubmit the claims to XXXX again. This is ridiculous. There are XXXX active claims for this : XXXX ( savings account ) and XXXX ( checking account ). PLEASE help us get our money back.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Portfolio Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Debt collection

I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by premera. I have paid many medical bills through this process over the past 5 years with no issues until this one. 

Also attached below is the proof of payment of the {$250.00} owed paid via my XXXX account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. 

I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$150.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX, XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX  XXXX XXXX : {$200.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. XXXX XXXX reporting late payments with XXXX XXXX and XXXX on my report. with the months of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on XXXX and XX/XX/2018 XXXX account # XXXX.The information is incorrect.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Child support XXXX XXXX ( Acct # XXXX ), Account name : XXXX XXXX ( Acct # XXXX ), Account name : XXXX XXXX XXXX XXXX ( Acct # XXXX ), Account name : XXXX ( Acct # XXXX ), Account name XXXX XXXX XXXX ( Acct # XXXX ) has violated my rights. 

I looked at my XXXX credit report on 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 ).

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 XXXX5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reported hard inquires that I am fighting only XXXX has removed theirs.
Product: Debt collection

Debt was 100 % paid off and is still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXXXXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
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. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Upgrade : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 recently check my credit report and across all XXXX major bureaus, unauthorized inquires are there. They are affecting my abilities to obtain additional funding and advance economically. I have reaching to each bureau and give excuses as to why these inquires can not be removed. Here is a list of the companies and dates of the inquires that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to XXXX  I reported it to Equifax and XXXX  and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right now
Product: Prepaid card

I received a {$200.00} Amex Prepaid Gift Card from my employer but I have not been able to use it online or at brick and mortar stores because it is not accepted anywhere or it just declines.
Product: Credit reporting or other personal consumer reports

All three credit reporting bureaus have locked me out of my account. They are acting the bad practices by acting like theyre helping me login telling me that theyre going to send a email for me to click on the link and they never sent the email or they have me send all my information and my ID, a face recognization and say that I passed all the security questions and theyre going to send me a text link for me to click on and they lie, today I was on the phone with XXXX XXXX and he walked me through this process and said I was logged into the account it says login, but it doesnt show me nothing on my credit report its all kinds of other stuff. Nothing about my credit report hindering me from logging in and acting like theyre helping me login and theyre not. Its all a scam.