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

I am disappointed with equifax but I am trying to keep up with media that I am able. According to an FTC email or on the website I received from the FTC they are being taken to court for adding incorrect information affecting several people However I just received a letter that reads that I am to notify all XXXX credit bureaus that there was yet again a medical cyber attack which involved myself and personal information such as social security numbers id etc and to notify medical XXXX reporting bureaus banks etc and given IDX.US which I dont have much results with for years. However I received this in the mail today. So I am requesting again that especially equifax does take note of this again. One more cyber attack on medical facilities and I was one listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I received a notification on XX/XX/23 of a new hard inquiry on my credit report from XXXX on XX/XX/23. I contacted XXXX ( XXXX XXXX XXXX XXXX ) who referred me to XXXX XXXX, issuer of the XXXX XXXX XXXX. I called XXXX XXXX and the woman refused to transfer me to the Fraud Department or provide any electronic means to get in touch with someone. She instructed me to send a fax to XXXX stating that a fraudulent application had been submitted in my name. She instructed me to include date of birth and last 4 of my XXXX, neither of which I was willing to do. I typed the letter summarizing the situation and attempted to send the fax and the number is not in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

WAYPOINT RESOURCE GROUP has been reporting fraudulent, and unauthorized information to credit bureau ( s ) since XX/XX/2018. I see the creditor reporting for $ XXXX.All is unauthorized use of my trade name that is registered within my state of birth. Also they continue to utilize my copyrighted material, & trade name although they were sent written notice for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION HAVE PASSED 30 DAYS AS REQUIRED BY LAW AND TRANSUNION FAILURE TO VERIFY ACCOUNTS AND PROVIDE AN APPROPRIATE LEGAL AND LAWFUL ANSWER. NOTHING WAS LAWFULLY VERIFIED. 
SEE ATTACHMENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a very bad situation XXXX, Experian are stating that my primary, only address is my only address, that XXXX XXXX has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to XXXX XXXX close the account close the account in XX/XX/XXXX something is not right, I don't have the XXXX XXXX credit card. How can someone say I am in XXXX  going on almost 2 years. When I am really in XXXX  or what If I am XXXX  but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that XXXX XXXX is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its XXXX  XXXX they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So XXXX  XXXX as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX XXXX, Experian say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX XXXX  XXXX government officials ( When did I give XXXX XXXX permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told XXXX XXXX has over me, they are in control they can easily say I am In a XXXX or XXXX  or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in XXXX XXXX  as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} I found several suspicious accounts on my credit report during my latest review. Please remove these fraudulent accounts, as they are affecting my ability to acquire credit. I do not know these accounts.
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA creditor SPS account # XXXX has violated FCRA 1681a ( 2 ) A ( i ) - reporting transactions ; 1681 - right to privacy ; 1681 ( 604 ) ( A ) ( 2 ) - consumer reporting agency furnished account without my written consent and instruction ; ( 1666 ( B ) - creditor may not treat payment under consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the XXXX data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXXXXXX XXXX XXXX XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Debt collection

Hello, approximately 6 months ago XXXX XXXX form a co named Brown and Joseph in ILL called me and said they were collecting a dept from and insurance pollicy for my workers comp that i failed to properly complete my audit. i explained all moneys were paid and that i changed insurance cos. He said he was going to file a lawsuit and lein my house and co but if i gave him {$3000.00} he could reopen case and tell me what costs were from. I foolishly paid him and set docs. He contacted me agin to collect, when i researched his co found many complaints like mine .He is rude and is harrassing me with phone calls. please let me know if there are ways i could get my fraudulently taken funds. There contact info is below. Thank You XXXX XXXX, Brown and Joseph limited management and consulting XXXX XXXX XXXX # XXXX Rolling XXXX iL XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Bank account or service

A Bank of America employe stole my money. I had a XXXX in there. I have been calling for 4 1/2 years and nothing is getting done. They closed my account without my permission. I want my money bank and want to file a law suit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. title 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding against similar violations ( proceeding file No. XXXX ). I request that the CFPB take action to ensure XXXX complies with Federal law and provides consumers with the necessary proof of investigation and validity of accounts. 
These are the accounts that have marked with major inaccuracies so far : XXXX Account beginning XXXX Portfolio Recovery Associates Account XXXX XXXX I also request that all future communication be done via e-mail ONLY. Do not mail anything to any address on file as there are major inaccuracies with those reports as well. ( XXXX )
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I transferred {$90.00} to buy baseball tickets through my Chase Banking mobile app using XXXX. I used this form of payment because I believed it to be the safest way Since the payment would be linked directly into the other party 's bank account and has been promoted directly by Chase as a safe and easy way to send money. Of course they add " to people you know '' in order to protect themselves I see now. ( I thought, how could this be a scam if this transaction can be traced right to him, right? They have transaction records and know exactly who is accepting the money. ) He initiated the request. As soon as the money was transferred via XXXX he blocked my phone number and was unreachable via text or phone and I did not receive my emailed tickets. 

I contacted my bank which not only couldn't or wouldn't do anything about it, but didn't even have a phone number for XXXX! I'm in shock! Is it really this easy to get away with stealing people 's money this day and age with absolutely no recourse? 

Chase was able to tell me what bank the recipient 's account was ( XXXX XXXX XXXX ) at so I called them to inform them they have a scammer using their bank. There wasn't much they were willing to do either. I have the scammers name and phone number associated with his XXXX account so hopefully they do something about it.
Product: Debt collection

National Credit Adjusters Continues to state debt owed when it was paid off. Evidence proves this beyond a reasonable doubt. Despite multiple attempts to prove and show the debt has been paid. They refuse to remove it
Product: Debt collection

I was a guarantor on my daughters XXXX XXXX account. It was a subsidiary account of mine. My daughter took over financial responsibility for the account in XX/XX/2016. For whatever reason, she did not pay the past bill before the account was switched over to her under a new account. 
I was NEVER informed by XXXX that a payment was missed and a balance was due. There explanation is that we had the bills set up to go to her. She paid them for years. The issue is that they never notified me before turning over to collections ... even though they have my contact info and my phone number. Even the the collection agency called me ... and I paid it immediately. But XXXX has the 'sent to collections ' on my credit report and wo n't take it off. I believe the should have notified me, as the guarantor, before sending to collections. I want them to remove the 'sent to collections ' from my credit report. Which they could do, but wo n't. Their procedures are flawed and I should not have a bad credit report because of their procedures. I desire the right to be contacted before a bill is sent to collections. 
Please ask them to remove the collections information from my credit report!
Product: Payday loan, title loan, personal loan, or advance loan

The company repeatedly overcharged me by duplicating membership fees and willingly defrauded me by misreporting loan details to the XXXX major credit bureaus. This negatively impacted my credit and its funny because thats what they claim to help you be able to improve! When trying to get compensation and refunds for over {$790.00} in overcharges by this company, they would pretend to close my account, only to lie, keep it open and keep charging me membership fees. After two weeks or more of trying to resolve this with MoneyLion., com, I eventually had to remove the link under my bank account and refused to pay for a membership that I attempted to cancel more than 17 times via phone and email over the weeks.
Product: Debt collection

I am formally requesting that Credit Collection Services cease all communication with me regarding account XXXX XXXXXXXX. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me.

Additionally, I want to emphasize that any further attempts to contact me, including reporting this account to credit reporting agencies, would be considered a violation of the FDCPA. The court in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), affirmed that reporting to credit bureaus constitutes a medium of communication subject to such a request. 

I am submitting this complaint to ensure that Credit Collection Services honors my request and ceases all communication with me regarding this account.
Product: Payday loan, title loan, personal loan, or advance loan

My personal information was used to forge a signature on a personal loan through a person I don't know in another state through Transform Credit. 

Although I could not tell whether it was a phishing email, I received an email with documents outlining a loan that had me forged as the cosigner/guarantor on a loan, but the email did come from the Transform Credit email address. 

On the loan documents my name was spelled wrong and the address used was an old one. 

It appears that Transform Credit failed to do any due diligence to verify the identity of the guarantor. I am not sure if someone was able to find pieces of information to use my identity for this fraudulent behavior or this is a more serious breech of identity theft. 

I reached out to Transform Credit to tell them that this application was fraudulent, that I never signed to be a cosigner and that they needed to cancel the loan. I have yet to receive a response from Transform Credit. 

The email was sent on XXXX XXXXXXXX XXXX  from XXXX for a loan application. I emailed back to XXXX immediately because this was the only contact information on the Transform Credit website. Two documents were attached to the email outlining the cosigner agreement and the loan information. 

The loan was a credit loan for {$3200.00} with an APR of 35.99 % in the state of Georgia ( a state where I do not live ).
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.