23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has bought this account without consent from the consumer, it has been deleted from other credit accounts and i have disputed this on several ocassions, they keep updating the account as if it new to be able to hold on to the debt, this has been written off and now bought to collect from a third party which is illegal. the date on this collection is now XXXX XXXX XXXX15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose
Product: Mortgage

Purchased my home in XXXX, NC, XXXX and had the homeowners insurance coverage adequate for underwriting and it closed. My mortgage was sold to Dovenmuehle in or around XX/XX/XXXX. On XX/XX/XXXX. I receive a letter stating that we dont have adequate hazard insurance coverage and to immediately get this to them or will face lender forced insurance. We immediately did our due diligence and purchased a policy with XXXX that is {$2300.00} and includes Hazard ins. compared to previous homeowners of around {$800.00} a year, and submitted the required insurance declaration on XX/XX/XXXX, and XX/XX/XXXX. insurance was effective XX/XX/XXXX. We were sent three letters since then denying that it shows proper hazard coverage, had to call on XX/XX/XXXX and they miraculously noted it was faxed and verified we were covered. Today on XX/XX/XXXX receive a protected email from customer service @ Dovenmuehle stating they are going to charge me their personal hazard insurance from the closing date of XX/XX/XXXX until this new policy became effective. I have never missed a payment or lapsed on insurance. We were covered by the lender standards originally XXXX above the purchase price, it approved from the underwriter and clear to close, dovenmuehle was not the original lender, and I wasnt informed of required hazard insurance until they mailed me the letter in XX/XX/XXXX. I'm wanting to know what can we do to prevent this backdated forced lender insurance, and possible kickbacks.
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS 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 I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
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. The following accounts have been investigated multiple times with all three reporting agencies. The results of the investigation have not been updated as promised and currently prove to show inaccurate information that is negatively impacting my life. I have asked for the verification of dates. Balances, matching addresss, and account information on my credit report for all displayed accounts across all bureaus. All XXXX reporting companies have stated that the report is up to date and every single detail displayed is accurate. After, I decided to investigate and thoroughly review the report about this old information and found multiple discrepancies and errors after they made opposite claims. This is frustrating and impedes the process to financially prosper. Following accounts must be removed from my credit report as I also do not have any signed contracts associated with them. Also, these accounts are over XXXX XXXX XXXX and violate my right for how long it should be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 and other adverse items 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 card

Someone tried to apply for a credit card on XX/XX/XXXX to capital one and something else called XXXX? XXXX on XXXX the XXXX both in 2022. It wasn't me that did any of this.
Product: Debt collection

Was contact by an outfit called XXXX XXXX XXXX about an Exxon/Citibank credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from Citibank with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX.
This XXXX XXXX outfit is very sleazy and unprofessional They catch people off guard and out of the blue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts on my personal credit report with Equifax, XXXX, and XXXX  and yet XXXX, Equifax and XXXX  are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company sold loan to a debt agency in XXXX of XXXX, I made payment arrangements with the debt agency XXXX and was making monthly payments. Loan was paid off in XX/XX/XXXX and in XX/XX/XXXX RSVP loans reported the full amount of the loan on my credit report. Contacted the company and they were unwilling to do anything about the error in the report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect a debt that is fraud/erroneous. I had an open account with this company but never charged services. 

I filed an official dispute and sent proof that I didn't have a debt/balance with the company, and since then ( over 90 days ) have chosen not to get back to me within that promised 90 day time slot. They are still truing to collect even thought the account is in dispute. Their dispute/fraud department will not take my calls and frequently hang up the phone when I call them. 

They are ruining my credit because i refused to make payment on money I never borrowed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal collections account opened at Fair Collections & Out on XX/XX/XXXX, under the account number ( XXXX ), and another collection account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have a small business ATM debit card through Bank of America and for the last year I've had transactions from XXXX XXXX XXXX XXXX XXXX taking out money every month I requested the bank to stop these transactions cuz they were fraudulent after 1 month returns came back and they kept taking the money after 3-4 months they couldn't be stopped they changed my card then they put a stop payment on it they told me I had to close the account was the only way to fix it I asked for my money back they gave me some money back and then they took the money back again and said there was a time frame problem finally after the account was closed a month later I started receiving overdraft fees for this account because they're still letting these companies take the money out on a closed account and now they want me to pay overdraft fees and collection I did everything they told me about making this stop and they could not make it stop they told me that Visa has an agreement with them that allows these purchases go through
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX  XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.
Product: Student loan

There are XXXX student loans and pell grants that someone opened in my name from XXXX XXXX College. I was a victim of identity theft i submitted id affidavit.I never attended XXXX college
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly.

XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Cash app setup and email address for consumers to email about the settlement only to find out it is a scripted automated reply to all the emails and sometimes you don't even get an reply back after emailing cash app. XXXX is not cash app helping it is an automated reply sent back. Cash app is still not following regulations of the efta or provisional credit i had a customer service rep take my information down in a chat and she didn't even enter my claim so I didnt my provisional credit and all customer service says I escalated to the team wait another 10 days wait another 10 days the law 10 days when you reported the fraud.
Product: Checking or savings account

Bank of America did not resolve this problem and eventually I contacted your department and an advisor called XXXX XXXX was allocated to my case. 
Bank of America sent me a cheque for my money. Unfortunately my middle name is spelt incorrectly and my bank in XXXX would not accept the cheque as the name is not spelt correctly. There's no XXXX  in my middle name. 
I tried contacting XXXX and left messages on her voice mail but I have not heatd from her. I tried contacting bank of America but has been unsuccessful. My phone bill incurred is over XXXX. 
Please can you help. I need a cheque with my correct name. Bank of America employee makes mistakes and the customer is suffering the consequences for lack of integrity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the four major credit reporting agencies. I recently disputed a charge-o for {$0.00} from XXXX XXXX XXXX XXXXXXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

15 U.S. Code 1692g - Validation of debts,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692e - False or misleading representations. 

ON XX/XX/22 I notice a letter in my private address this company EMVLP , LLC had no rights to my private address for one! after paying off my truck note this company EMVLP is now falsely accusing me of an alleged debt. i have no handwritten or electronic singe of nature. A signature copied or transferred is fraud! I didn't reach out to this company because i have no contract with them and i will not freely consent to offer up my private information that doesn't belong to this company. The audacity of these corporations to falsely XXXX allocations for debt with everything going on in the world today. I'm highly upset, and this emoting caused me a lot of distress and discomfort i had to seek medical car this treason for any living berating Man! Please fix this error this is affecting my life and credit score. Praise you so much in advance. 

ACCOUNT NUUBMER XXXX EMVLP , LLC XXXX XXXX XXXX XXXX WI XXXX sincerely yours XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I requested copies of my credit reports from the credit bureaus and after receiving the reports I noticed that a company named SCA Collections , Inc. hereinafter referred to as SCA had reported an adverse collection account to XXXX, XXXX, XXXX credit bureaus claiming that I owed SCA {$240.00} dollars. 

I was never notified by SCA beforehand, nor contacted in any way whatsoever, before this derogatory collection account was placed on my credit report.If, I am not mistaken this account should have been verified, and it was not, which is a clear violation of the FCRA and the FDCPA. As a result, on XX/XX/2020 I submitted a dispute letter to SCA via USPS Certified Mail whereas I disputed their assertion. In that letter I requested certain documents from SCA because I want to try to understand how I came to owe them what they have alleged I owe on my credit reports. I believe I was very specific with what documents I requested from SCA. 

However, I received a letter from SCA, which was not within the time frame alotted by law, and the document that they sent was a copy of a bill that was altered. On that bill it appears to me that SCA attempted to re-age this account by changing the statement date to XX/XX/2020 as though this account was an active account. This again demonstrates to me that this is another blatant violation of the FCRA and the FDCPA, respectively. I will submit copies of all the letters herein for your review and consideration.
Product: Credit card

There seems to be some serious data breach that has happened at Citi. I have XXXX Citi credit Card - Citi Master Card and Citi Visa Card ( Costco ). During less than one week - both of my cards has been compromised. Both of them are Chip cards and there is no additional member for these cards. XXXX has been used for transactions in Florida, XXXX and other places. Citi was able to identify the fraudulent activity and issuing me a replacement card. I am working in XXXX XXXX for close to 2 decades now and worked a lot for Credit card, trading and other financial companies. Citi is not ready to accept that there is some data breach happening at their end but there is something very wrong going on - how come XXXX cards both issued by citi are compromised in the same week? It 's inconvenience for me to setup automated bill pay for the new/replacement cards and i might have late fees and other charges also.
Product: Credit card or prepaid card

I was the victim off identity theft, identity account takeover and merchant Spoofing of fraulent charges on all my credit cards. I first discovered this was happening in early XX/XX/XXXX and thought it was related to my wallet and cellphone being stolen in early XXXX and another break in into my vehicle on XX/XX/XXXX where they took my XXXX, phone, us and XXXX passports and credit cards checks and drivers license. Upon reviewing my statements in Ja usury and XXXX I noticed that although my credit card balance was about where it should be there was both significant more charges and more payments. In essence someone was making extra charges on my account and then using my checking account details to pay for it. As such I immediately reported the fraudulent charges to all my banks and most have refunded the fraudulent charges already. I initially indicated it was related to the two thefts in XXXX. At first I thought these fraudsters went to the stores with my credit card and successfully made a fraudulent charge. These fraudsters which included my former employee that I discharged in XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX and later XXXX XXXX XXXX and others. They are very sophisticated cunning individuals that opened merchant accounts with XXXX and XXXX and fake stores that they could easily change the merchant info on the statement I receive using the XXXX XXXX. My bills would show fake store numbers. So when I typed in one of those fake store numbers XXXX XXXX, I discovered that thefraud started after another XXXX and phones were stolen in XXXX and XX/XX/XXXX. 
I then reported the additional fraudulent charges to my financial institution and most reimbursed those charges as well. DiscoverCard however requested I amend my XXXX police report or make a new one about the earlier thefts in order to get the reimbursement, I promptly made the additional report sent it to Discvercard but as of todays date have not been credited for the fraudulent unauthorized charges which Discover Card offers a zero liability. Discovercard also closed my account as when I caught the fraud I needed to close my bank account and the  fraudsters had been using my banking details in their attempt to prevent me from finding out or asking why my credit card bios are so high. These fraudsters were able to lock me out of my emails to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX