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

I have been the victim of identity fraud and the following credit inquiries were made fraudulently on my behalf in an attempt to establish a new credit card or loan from the following lenders : Lender : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year> Lender : XXXX XXXX Inquiry date XXXX XX/XX/year> Lender : XXXX  Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry XXXX : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX/XXXX  XXXX  XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/year> Lender XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX date : XX/XX/year> Lender : XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX - XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX Inquiry date : XX/XX/year> Lender : XXXX Inquiry date : XX/XX/year> XXXX : XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Lender : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Lender : XXXX XXXX  Inquiry XXXX XXXX XX/XX/year> Lender : XXXX XXXXXXXX  Inquiry date XXXX XX/XX/year> XXXX : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXXXXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX : XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX  Inquiry date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX & XXXX ( XXXX Creditor : XXXX  ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Money transfer, virtual currency, or money service

Location XXXX, PA On Monday XX/XX/, {$120000.00} was deposited into our Wells Fargo Bank by my lawyer which was part of a settlement from a well known insurance company. This was a week ago today. The money is still not available for withdrawal ( which we didnt know this until we had overdrawn our checking account and couldnt get anythiing to go through ). We have talked with the XXXX XXXX  ( title is banker II ) on Friday and we can't get this money made available even 5 days after deposit. XXXX is the other bank that is the sender of the money to XXXX 

I am XXXX and live on a very small amount of money and need this money to help pay some bills. Can your organization help? I feel like XXXX is using my money for however long they want to do their own business.. 

In talking with XXXX we have not discovered any reason for them to suspect they will not get the money from XXXX or havent already. We are not habitual overdrafters on our account. Aren't there limits to how long banks can hold people 's money when they want it. WF released {$4800.00} on day 2 after the deposit and say the  remaining amount won't be available until XX/XX/XXXX!! This seems excessive The banker is XXXX XXXX at XXXX we can be reached at XXXX or XXXX or XXXX or my cell XXXX.
Product: Credit reporting or other personal consumer reports

Experience has failed its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumers- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail and have not received any response National credit systems is well aware that this account is fraudulent and still verifying it with the credit bureaus.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account NumberXXXX and 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Equifax are so firm with what youre doing ; thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the account right away. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit reports are showing late payments from XX/XX/2022 for my XXXX Account. I have always paid this account on time as agreed, and the late payment is inaccurate/incorrect.
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 XXXX XXXX ; XXXX 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$430.00} ; XXXX  XXXX Balance Owed : {$8600.00} ; XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX Owed : {$340.00} ; XXXX  XXXXXXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX
Product: Debt collection

Several times in the past few weeks, I have been contacted by individuals from Transworld Incorporated, asking to speak with someone I do not know, presumably about a debt that he or she may owe. Each time, I have told them that no one with that name is at my phone number. Each time, I ask them to stop calling. At least twice, I have been told that my number will be " removed from the system. '' I hope they actually stop calling.
The two most recent calls were listed as coming from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK ( XXXX ) : : Listed with a {$450.00} balance and years of missed payments for card ENDING XXXX same debt reported as : PORTFOLIO RECOVERY ASSOCIATES ( XXXX ) : Listed with {$1300.00} balance and no payments for card ENDING XXXX Source of dispute information : My XXXX Credit Report Type of disputed information : This item was paid with income garnishment and fully satisfied with XXXX XXXX XXXX XXXX. Both entities are seeking payment for the same paid balance card ENDING XXXX Dates associated with item being disputed : ALL dates, missed payments and balance information o My debt was settled and paid by wage garnishment. 
o I have two companies leaving derogatory marks on my credit report for a satisfied judgement. 
o The report shows I owed money to the company that I have already repaid. 
o I have enclosed the judgement for {$4300.00} XXXX & XXXX File number XXXX served by XXXX XXXX XXXX XXXX XXXX XXXX NY o The current status of my account is not correct. The report shows that I o am delinquent but I have made all of my repayments on time. I have enclosed the letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX stating my debt was satisfied.
Product: Debt collection

I have been receiving several calls from Westlake Financial everyday of the week. Sometimes it seems like all day. I do not have any business with them nor have I. The final straw was when I had received a call from them on Sunday and I tried to contact them and let them know this, and they were closed. But the message said that I could contact them that day. I have received several messages from them on Sunday, and every day of the week. When I did answer the call to talk to someone it is always an automated system to push buttons. I finally did contact them during the week and they ask me did I have a relative that may have used their services. I said I may, but they have nothing to do with me and my phone number, caller ID & answering machine being hijacked with so many of their calls. I called on two different occasions and spoke to live representatives and requested for them stop calling me, but the calls continue. I just received another one, on this day Sunday, XX/XX/17, and I have had enough. Please contact them and let them know to correspond with whoever they are after in writing.
Product: Credit card

I was stupid enough to charge some items at MACY 'S on my Macy 's credit card over XXXX. I was unable to log into my account online to make the payment because Macy 's had updated the system and I simply did n't have the patience to navigate their irritating and obscure system. However, I called Macy 's and paid my bill for $ XXXX a day or two late - was assured that there would be no late charges because I was a customer in good standing, yada yada, and received a confirmation number that I had paid the bill in full. 

I then received a bill for {$2.00} in interest. OK, I agree - I had n't paid the {$140.00} on time, regardless of the reason. Whatever. So I paid that {$2.00} bill immediately, by check, and left the country for an extended absence - in complete confidence that I had paid all my bills in full. 

Imagine my surprise when I returned to the US and found that Macy 's had received and cashed my check, but charged me a further {$2.00} anyway as a minimum interest charge on the interest charge that had been paid in full, well before the due date. Oh, and then added a further minimum {$2.00} charge for a total of {$4.00}, due on XXXX. 

I called Macy 's right away and spoke to one XXXX, who did n't seem to have a clue why I was irritated, but eventually - very grudgingly and with full implication that I was a total deadbeat - agreed that she would " waive '' the {$4.00}. 

Imagine my FURTHER surprise when I received a FURTHER email from Macy 's about my " account balance. '' I immediately called, went through endless voice prompts, and finally got through to a live human being who said in hushed tones that she 'd have to put me through to another department. 

Sure enough, I got the " this is an attempt to collect a debt '' speech. The glorious XXXX, according to the faultlessly polite CS rep who answered, had failed to properly credit my account. He agreed that he could correct it and that my account would update eventually to show a {$0.00} balance. However, he was unable to reassure me that this, um, " delinquency '' had not been reported to the credit bureaux that make a darn good living off selling my info, and he could not send me a letter saying that Macy 's had made a mistake. Given that the glorious XXXX had also assured me that I had a {$0.00} balance on my Macy 's charge card, forgive me if I 'm not confident that I do in fact now have a {$0.00} balance. 

I do not give a flying whatever about my credit as I am old and cranky and do n't need any credit. I DO care that Macy 's total incompetence and the Macy 's system that is set up to fail, to their benefit and to consumers ' detriment, affects kids and other people who DO need good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were issues with setting up the payments online. We sent a check. Porsche claims it never received the check. We squared away the online payment application. The check was never cashed so we called and made payment. Unfortunately it was 35 days after it was due. There was nothing nefarious or intentional here. The one single missed payment was reported and My credit score dropped XXXX XXXX XXXX POINTS!!!! Given this is my first blemish in over 7 years THAT IS EGREGIOUS and a gross overreaction, arbitrary and capricious. One missed payment of 30 days should not lead to a XXXX point drop. Period. I consider this predatory and am complaining about this result with a prayer of relief of a repair of my credit score to a level proportionate to the infraction. The account was paid in full, there was never a phone call, emails went to spam folderetc but even if I am 100 % at fault here ( Im not ) this punishment does not fit the infraction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Payment {$200.00} per month. on my credit reports it shows payment per month is {$0.00}. 
Also shows that my last payment was in XX/XX/XXXX. But it shows that I haven't made a payment since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr is a background check agency that reports driving records on behalf of the state bmv office and has altered report for unbiased reasons even when there isn't a reason they fraudulently made one to put an applicant partner on hold to potentialy loose a contract with a company. I have provided an example below of their business practices that may cause me to lose a contract with a partner. They need to be held accountable for their actions and be removed from their partner systems for falsifying background reports.
Product: Money transfer, virtual currency, or money service

On both XX/XX/XXXX, XX/XX/XXXX, I authorized a wire transfer using my XXXX XXXX card that ends with ( XXXX ). I noticed that both of my debit cards werte not in my wallet. I notified both Cash APP ( XXXX ) and XXXX XXXX XXXX of this immediately. Cash App informed me that the account with debit card ending in XXXX was closed on XXXX XX/XX/XXXX at XXXX XXXX CST. ( Email Account ). Cash App also informed me that they had received both transactions of {$980.00} plus {$20.00} service fee for a combined total of {$1000.00} each. With the Cash App account that was closed, I wasnt able to gain access to the account. According to Cash App Policy on Closed Banks & Expired Cards. ( Attached Document ( ). XXXX XXXX XXXX declined the dispute for several factors, which include evidence that the charges/rtransactions in question are valid. This only means that Cash App had also received them as well. Keep in mind, because the Cash App account was closed and my card reported lost/stolen, that the money would be sent back to the sender which is XXXX XXXX XXXX which is managed by XXXX According too multiple phone calls between both parties, the dispute/transactions both have been denied. Currently, the disputes have not been taken care.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX XXXX Balance Owed : {$430.00} DPT ED/XXXX XXXX Balance Owed : {$5600.00} DPT EDXXXX XXXX Balance Owed : {$3300.00} DPT EDXXXX XXXX Balance Owed : {$1600.00} DPT EDXXXX XXXX Balance Owed : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting this inaccurate collection on my credit report .. they have re-ages the date of last activity which is a violation under FCRA 605 c running of the period. 

I have no knowledge of this collection as I do not have an agreement with this collection company and I am unware of this balance Transunion also failed to mark this account as disputed on my credit report which is a FCRA 623 failure to mark disputed account.
Product: Credit reporting or other personal consumer reports

I am informing all parties involved on credit reporting that some information that i found on my reports are not mine, I have tried to do this in the best way I can and some of this was removed and then placed back on my report, if any of this account is a debt i will need a validation of debt of original supplier according to 15 U.S Code 1692g and i am going to take legal actions if this is not resolved asap and removed all this account that i mentioned below. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX  Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C . 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report.

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose. 

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  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 a account without my written instructions.