23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an XXXX mobile account on XX/XX/2020. I made my first transfer of {$150.00} to the XXXX account from my primary XXXX XXXX account on XX/XX/2020. And a second transfer on the following day, XX/XX/2020, of {$82.00}. There was no historical record or transaction confirmation provided by XXXX regarding my transactions which made me distrustful as it is hard to monitor money in this way and it also did not meet my needs. I decided to transfer my money ( the {$150.00}. and the {$82.00} ) back to my XXXX XXXX account but I couldn't because XXXX did not have the feature or capability to give me my money back. I emailed XXXX to get my money and I was told I had to get the money in my XXXX account through my XXXX  XXXX account. Really? I tried to do that but XXXX XXXX told me the only way I could do that was by opening a dispute. After months of investigation, I received an email from XXXX  XXXX now stating they can not get the money back from XXXX because they claim I made the transfer. I did make the transfer and then, wanted my money back and XXXX did not allow it in any way possible. 

It gets worse. Today, XX/XX/2020, after receiving the email from XXXX XXXX and speaking to them to no avail, I called XXXX and spoke to a representative named, XXXX, who stated my XXXX account was closed prematurely due to technical difficulties. XXXX continues to have my money ( {$150.00}. and {$82.00} ) in their possession and have not notified me of the account closing nor has contacted me to return my money. It is now, that I called that I find out all of these and have been given the option to have my money transferred back to my XXXX XXXX. This option is only available because my account was closed prematurely and I found XXXX out on their doing. WOW. Please investigate this institution as they have with confirmation committed fraud and potentially are committing fraud with hundreds of other accounts. They most not be operational.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( XXXX ) below are not mines.
View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$3000.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 dispute letters to XXXX, TransunionXXXX XXXX, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the charged-off accounts that continue to appear on my credit report. I have previously disputed these accounts on multiple occasions, providing detailed explanations of the Fair Credit Reporting Act ( FCRA ) violations that have been committed against me. I have now taken the extra step of highlighting these violations with supporting exhibits and attached documents in this complaint. Despite my efforts to rectify this situation, these charged-off accounts persist on my credit report, causing severe damage to my financial standing. I strongly urge you to thoroughly investigate this matter, rectify the FCRA violations, and ensure that my credit report accurately reflects my financial history. 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 or other personal consumer reports

When I had stay In XXXX XXXX they had bust all my windows out my apartment, they kick my door in with guns. I had call the police I made a police report about what had went on. I had call the offices let them know what had went on they told me they could help it was up to me what ever happened it not on them all. Now I don't stay in XXXX I move out town trying to get my places back for me and my kids we been homeless for a year behind. They had stolen my identity with my purse.
Product: Debt collection

This account is still with midland credit management. It is a fraudulent account and needs to be removed and collections stopped immediately. XXXX XXXX has deleted and researched all these accounts and have found them to be opened as a part of identity theft. Attached is a copy of the police report and when it was filed. 

Midland credit is not doing the right thing here and protecting the individual that was a part of identity theft. This is a very trying time during the pandemic and Midland is adding on to the stress and many jobs check credit before they hire you. Midland is not doing right here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Wells Fargo Home Mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Initiated a dispute with Equifax, via confirmation # XXXX, regarding a fraudulent item appearing on credit report as a victim of identity theft 42 U.S.C. 408a ( 8 ), florida statute 817.568, of an unrecognized claimant referred to as XXXX XXXX XXXX of a 15 U.S. Code 1692e counterfeit security of an account number XXXX for an defective claim to an alleged amount of {$130.00}. Made efforts to obtain information from both XX/XX/2020 and, Date : XX/XX/2020, XX/XX/2020 claimant XXXX XXXX and EQUIFAX credit reporting agency to validate alleged debt. XXXX XXXX XXXX refused to provide any information other than an old copy of an application they might of retrieved by hacking into a XXXX XXXX XXXX computer system, without any mention to how they had acquired my personal identifying information without my consent, nor any proof of their right, or how they acquired such right, under penalty and perjury, 15 USC 1692j, to use my name and identifying information, intellectual property, 15 U.S. Code 1125, to collect anything from me. I disputed the item several times with Equifax per 15 U.S. Code 1681g- 609 - a1 ( A ) who never provided me my right to full disclosure of the file to include any agreement between me and XXXX  XXXX XXXX to validate the alleged obligation and Equifax has refused to comply to remove or block the item that is injurious to my ability obtain credit. Since then Ive been denied credit cards and a mortgage. Equifax has conspired with XXXX XXXX XXXX 18 U.S.C. 241 and 242 to deprive me of my right as a natural person/consumer to XXXX credit ) defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. The credit discrimination received as a result of character assassination is further a restraint of trade caused by both parties is a breach of trust per 15 U.S.C 1 and an injury to me as an original creditor. I have also provided Equifax with an FTC identity theft report against the claimant and it was, 15 U.S. Code 1681c2, ignored per confirmation # XXXX without full disclosure. Neither party will comply with FCRA. This is emotionally distressing that neither will cooperate to provide accurate and complete information 15 U.S. Code 1681e ( b ). 15 U.S. Code 1681i As I have disputed the completeness ( lacking proof of claim for use my valuable personal data or contractual agreement between me and claimant ) Both Equifax and XXXX XXXX XXXX has mismanaged my personal data and continues to injure me without remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violaitons remove it : not mine : XXXX/DEPT OF ED Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Open. 
XXXX/DEPT OF ED Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$830.00} Status Collection account. {$830.00} past due as of XX/XX/XXXX.
Product: Debt collection

I received another letter in the mail today from XXXX XXXX regarding an account showing me owing XXXX to a company regarding a credit card of which I 've personally never have had, or in this case, someone opened without my consent and made one payment and then let the account go into collection in XX/XX/XXXX, and as the person mentioned on the phone when I called to dispute this claim she said it was charged off in XX/XX/XXXX and that due to the statue of limitations they can not sue for collection but will continue to report this until the matter is settled. This account is not even on my credit report.
Product: Credit reporting or other personal consumer reports

I have previously dispued multiple accounts multiple times with XXXX  experian and XXXX XXXX for inaccuracy and discrepancies that are negativly impacting my ability for credit. Non of the account have correct payments info balance or personal identification. I'm am reaching out the 3 credit Bureaus failure to comply with The Fair Credit reported act and response to my recent disputes regarded in accuracies in my credit report I submitted a dispute over 35 days ago concerning several discrepancies on several accounts currently listing on my credit reports and EXPERIAN XXXX and XXXX has not made any correction nor provided a satisfactory explanation for the I believe experience has violated multiple fcra Provisions including the duty to investigate correct inaccuracies and communicate the results of their investigation in a timely manner right accounts in question are violations of FCR 15 USC 1681 and cushman v transunion.
Product: Debt collection

Refer to Complaint Report # XXXX Convergent Outsourcing informed me in their response that they had closed the account on their end, sent it back to the original creditor ( XXXX XXXX and would not be taking further action due to this being a fraudulent account opened in my name/identity theft. This account had already been resolved with XXXX  & XXXX XXXX XXXX which is who XXXX XXXX the original creditor ) gave the account over to try to collect on. It was off of my credit report, and settled. I believe Convergent tried to collect a fraudulent debt they werent given since XXXX told me they never gave it over to that agency. I believe they are still trying to collect a fraudulent debt from me after this statement. Yesterday, they marked the fraudulent account on my report as late and negative which dinged my credit score further. They now know this debt is fraudulent & due to identity theft, and the agency is still trying to collect it. I would like to see the agency close the account as they informed me in the response to this complaint, and halt communication with me. I would also like to see this company audited. They are participating in fraudulent collection activities.
Product: Credit reporting or other personal consumer reports

There have been multiple hard inquiries to my credit report that I did not approve, authorize or make myself. These inquiries appear to be fraudulent or theft.
Product: Debt collection

Midland has updated a negative tradeline on my credit report for a past debt. They have updated it since I originally disputed this tradeline via XXXX credit reporting. Midland has the right to add a negative tradeline to my credit report, I am not disputing that. However, I am disputing that they keep updating the negative tradeline on my report countless times since XX/XX/. I did submit a dispute XX/XX/ ; however, I did not continue disputing the negative tradeline since then. 

What has now occurred, is my credit number has gone down into the XXXX 's when it was in the XXXX 's. 

I have attached a copy of a portion of my credit report reflecting Midland 's updating the balance ( which is actually never been updated ). They did this balance update in XX/XX/XXXX and XX/XX/ ( attached ). This has been happening to my credit report since XX/XX/. Multiple updates made by Midland to the negative tradeline. Midland is violating my consumer rights and not abiding by the Fair Credit Reporting Act via FTC ( Federal Trade Commission ). They may only list a negative tradeline once on my credit report, and they may update if I dispute, but it does not give them the right to update the negative tradeline several times a month since XXXX XXXX They are in violation. 

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

The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue from my report.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

I had a merchant account with XXXX XXXX XXXX. They claim that I charged someone 's credit card for {$4900.00} under my merchant account number. I never initiated any such charge. Apparently someone else had XXXX XXXX XXXX change my merchant number to route to their bank account and placed a fraudulent charge to someone 's credit card under my business name. Once the money was deposited to their account, they withdrew the funds and closed the account. 

XXXX XXXX XXXX got notice of a charge back under my company name and tried to recover the funds, but the account was closed. They are now contacting me and are claiming that I need to pay for this charge. 

I let them know that I was completely unaware of this and never charge a single credit card on my merchant account ( I opened this account to allow my customers to make ACH payments to me - they are usually less than $ XXXX/month ). XXXX XXXX XXXX never even notified me that my bank account was changed and I did not authorize a change of my bank account at any time. 

Obviously, the bank account was not opened in my name, as they must be opened in person with photo ID according to the Patriot Act. XXXX XXXX XXXX will not release to me the name of the person whose credit card initiated the charge back and they wo n't give me the name of the bank and account # where the funds were deposited, so I have no way of knowing exactly how this even happened. I can report that I received an ACH deposit the Monday after this alleged credit card charge ( Father 's Day ), so this must have been a very quick change. 

Since I did not initiate the change of this bank account information and did not make this charge, I should not be held accountable for it. I notified XXXX XXXX of this and they acknowledge it was probably fraud, yet they will do absolutely nothing on their end to investigate this fraud. They are only willing to proceed with collections against me, even though I had nothing no ability to control their security practices, which are obviously flawed. 

On my end, I did file a police report of this fraud and a fraud report with the Federal Trade Commission. I continued to receive calls from XXXX XXXX XXXX demanding payment along with threats that they were going to send me to collections. I kept denying I made this charge, yet they still proceeded with collections. I just received my first collections notice from Consolidated Recovery Group, LLC and I responded that I am disputing this charge.
Product: Credit reporting or other personal consumer reports

The information on my Experian report is not the same report that lenders received. Which resulted in application denial. Also Experian score is lower than my other 2 reports.
Product: Debt collection

In Complaint # XXXX the owner of XXXX, XXXX, stated in his answer on XX/XX/year> " As a courtesy to the consumer we have requested to have this account removed from credit reporting. '' This morning, I spoke with XXXX and XXXX and this has not been done, showing again, that this collection agency has given mistruths again and again and continues to do so. 

I have attached this morning 's XXXX report showing that this has not been removed as XXXX stated they would do along with the written answer to complaint # XXXX which XXXX stated they would remove it.
Product: Credit card or prepaid card

My concerns are that the credit card company did not acknowledge hardship and continued to add late fees and added interest that was not at the reduced APR as agreed. 
I contacted Comenity bank in XX/XX/XXXX and explained that I needed payment assistance and request to be placed in hardship program. I spoke to a rep from overseas and the payment arrangement was set for 12 months and I began the program ( so I thought ) In XXXX, I began to receive phone calls from Comenity bank stating that I was past due and I notice that the charges they placed on my account for late fees and ridiculous amounts of interest. Under the hardship program, there was a reduced ARP of 10-11 %. This was not it. I called on XX/XX/XXXX and was told that the last rep I spoke to did not enroll me into the hardship program, and did not offer to fix the issue. They simply said they can enroll me at that time. But I asked several times how and explained that I obviously did because I have payments scheduled for the reduced amount for the next year at the reduced rate. The rep did not have any solutions and did not offer to reverse previous charges that should not been on the account. I requested to speak to a US representative and was placed on a long hold to wait. Once a US representative was on the line, she did not see the XXXX conversation either and stated that after a few billing cycles the late fees should be reversed but now my credit score has lowered tremendously behind this and due to the high interest they werent supposed to charge me and late fees, Im nearly at the max and I dont know how to fix this. Its hard getting through with the telephone number thats on the card and on the website. Then, the company decides to lower the limit on my NYC credit card from XXXX to XXXX further damaging my credit score and left me with a remaining credit limit of XXXX. I paid that account on time and didnt have any issues with that account so Im frustrated with this company and their unfair practices.
Product: Vehicle loan or lease

US Bank auto lease reported a 30 day late payment on my report on XX/XX/2018 but the vehicle was purchased by a car dealer and traded in for a different vehicle on XX/XX/2018 before the lease payment due date on the XX/XX/XXXX every month. Attached doc showing trade in and purchase of the USB lease vehicle : XXXX XXXX XXXX
Product: Debt collection

The last months rent was paid and the property owner kept the security deposit. The amount owed certainly isn't a rent payment so it must be that the owner seems to think that the cost of repair to the unit was greater than that of the security deposit. If this is the case then I want itemized receipts showing what was done and by whom which were never provided, and the records of my payments to you and the security deposit amount. Only now that it is on my credit am I aware of these charges. This method of business is certainly not one that leaves you in very good standing with your tenants.