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

Considering recent investigations brough upon Equifax, I find that my consumer file is being irresponsibly tampered with. Congress made it clear that you the consumer reporting agency assumed this role to operate in fairness, impartiality, and respect my rights to privacy as a consumer pursuant 15 USC 1681a ( 3 ). Equifax was unfair, partial, and failed to respect my rights to privacy as the consumer pursuant 15 USC 1681a ( 4 ). I never instructed Equifax or any other Credit reporting agency to furnish my report or to even create an account on my behalf pursuant 15 USC 1681b ( 2 ). Again, you never had permissible purpose and I never consented to this report in the first place and the fact Equifax didn't exercise their grave responsibility
Product: Debt collection

After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/23 and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/23 there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct
Product: Credit reporting or other personal consumer reports

I recently check my credit report and see some fraudulent account XXXX XXXX XXXXXXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that you all can help with these items on my credit and I dont know where they came from. I have called all of them on there several times and its just been a run around. Half of the time you just hang up after being on hold for two hours everytime and when you do get someone the line is never clear and they all say its because they are working from home. Please help me get this resolved and these accounts taken off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and some account that dont even have a name but the account number is XXXX. I also see something called DPT ED/XXXX  and looked it up and they said its a student loans. I dont know how that happened because I have never been to college. I didnt even graduate from high school which is why I have to work hard to have a nice living and my credit is all I have. I also saw where I guess my credit was pulled and I have not applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX. Im doing this by myself and really need some help.
Product: Checking or savings account

Beginning in XX/XX/2022 I began experiencing fraud related issues on both my personal and business checking accounts. Wells fargo failed to take proper action to close my personal account. The block did not work I incurred numerous overdraft fees as a result due to my available balances being lowered. Not all my fees were reversed. WF refused to provide a copy of written policy. My personal account is now suddenly closed without any prior notice. I am unable to view any statements online as the entire account was removed. They are denying my request to open a claim on my business account for the fraud charges. My account is still overdrawn due to all the excessive overdraft fees. I refuse to pay these illegal charges. My account needs to be fully corrected immediately. Their executive resolution team has not resolved anything.
Product: Credit reporting or other personal consumer reports

To : Comenity Bank XXXX AND XXXX XXXX XXXX XXXX XXXX. I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Money transfer, virtual currency, or money service

Hello I received XXXX  XXXX  regarding a transaction that I did not authorize or approve or even know about. I had an account with XXXX in the past and my account was XXXX  and a police report was given to PayPal and their XXXX  XXXX debt collector. I have not received XXXX  information regarding the outcome of that reported scam. Recently I received this unauthorized receipt of a purchase for a XXXX. I do not own any XXXX  or XXXX  and never intend to purchase XXXX let alone on the internet. I have attempted to contact PayPal but my attempt to recover my email to communicate with them was not successful The say that they have my email but when I attempt to reset my password it says " oops there was a problem and try again later ''. I do not know how this company gained access to my account as I believe that my account is blocked from usage but I am reporting this issue as identity theft and fraud. Please look into this and advise what can be done. In the meantime I will attempt to call PayPal whilst I await for this investigation regarding a breach on my PayPal " XXXX account ''.
Product: Credit card

American Express : offered me ( business card ) XXXX Skymiles if I spent {$5000.00} over 3 months. I fulfilled the requirements and only received XXXX Skymiles. And, I was offered XXXX points if I spent {$3000.00} and stayed XXXX nights at a XXXX XXXX. I spent the more than {$3000.00} and stayed at XXXX in excess of the XXXX nights. Amex informed me thereafter, that because I had a XXXX XXXX card- they would not honor their offer. When I applied for the Amex XXXX XXXX, Amex did not provide any information concerning whether or not I had a XXXX XXXX with another entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Lending Club Corporation is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX, XXXX, & XXXX ).
Product: Mortgage

For two months now I have been dealing with LenderLive lying to me about my taxes on my property and even before that they have lied to me. When I was refinancing they told me they would not add any money onto my refinance and after I had signed the papers they added {$7000.00} to my loan! But back to the taxes. XX/XX/XXXX a represenative and I talked and they told me to avoid my monthly payments going up I would need to pay {$1800.00} into my escrow. So I did, but then my payments still went from XXXX to XXXX a month even after paying them. I call them multiple times and the representative tells me they will survey the account to lower the payments but on a final call turns out the taxes had gone up on the property so it would never really go down. Well I get a letter in the mail today on XXXX XXXX, 2016 saying the estimated taxes instead of being the original XXXX they raised it to it would be lowered to XXXX as of XXXX XXXX, 2016. But once again another good old trick from lenderlive! I look on their website to verify and according to their website as of XXXX XXXX, 2016 my payment will be going up for my taxes to XXXX a month. All of this does n't sound right to me, I feel like I am getting scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. XXXX and TransUnion has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering. XXXX has already successfully deleted Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to order my credit reports and filing a dispute multiple times with Equifax using without any result. I have tried to update my information. I have spoken on the phone with reps and supervisors, still more than a year later, I am still having the same issue. It all started back in the beginning of 2020 till now.
Product: Credit reporting or other personal consumer reports

I've tried contacting XXXX, XXXX, as well as XXXX XXXX concerning their fraudulent reporting they've been placing on my credit report. I've called and disputed this since XX/XX/2023 to no available helps, no agent has been able to even confirm the account. According to their reporting to Experian, they are making claims to have confirmed the accuracy while indeed it is fraud. I don't nor have I ever held an account or authorized use with XXXXXXXX XXXX, XXXX, or XXXX or authorized the use of my information as a co-signer/authorized user. It's been incredibly frustrating getting this removed from my credit report and to keep my score from dropping. The card number provided by XXXX via mailed letter, has not been able to be located nor my information as a whole. The company has sent a letter but the contact number listed, they have said there is no account with my information. Incredibly confusing, enraging, and frustrating to say the least. I do not live in the state in which the account was opened. I did not authorize my information to be used. The company was not able to locate the account number sent via mail and multiple employees as well as managers on a recorded line are saying the account doesn't exist yet it is on my credit report and causing my score to drop in large numbers.
Product: Debt collection

I have repeatedly asked this company to remove this collection from the credit bureaus and they keep lying about the original date of the dept to hide the fact that they sold the dept and that its been over 5 years which is past the California law for limitations on medical dept. Please help me get this off my credit reports because its costing me money and hardship because it has ruined my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as XXXX XXXX, on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address of XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address
Product: Debt collection

EOS CCA is reporting on my credit report fradulently for XXXX XXXX. I 've contacted EOS and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federal protected consumer these fraudulent accounts arouse from my credit card. This information is incorrect. Persuant 15 usc 1602 ( 1 ) a any card plates coupon book or other credit devices existing for the purpose of obtaining money property labor or services or credit. These accounts are fraudulent as it should be no debt that arouse from my credit account and persuant to 15 usc 1681 a ( 2 ) no factual should be included in my consumer report. As I did not authorize nor give consent. The theft report is attached please look at the dates as they are on the report.
Product: Credit reporting or other personal consumer reports

I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

HELLO, ON, XX/XX/XXXX, I WAS, STUMPED TO RECEIVE A CALL THAT, MY BANK ACCOUNT WAS, NOT MINE. THEY ALSO, REPUTED THAT, I WERE, XXXX, XXXX XXXX XXXX, THE BANKS I AM MAINLY IN RELATIONS WITH, IS, WELLS FARGO BANK XXXX WHICH MEANS ALL MY BANKS ARE, CONNECTED. THE NAME, THEY WOULD, HAVE STOLEN IS : XXXX XXXX XXXX.I, WHICH IS, IN SOLELY PRIORITY OF, MY HERITAGE AND INHERITANCE, WHICH PEOPLE LIKE TO GO AROUND CALLING ME, WITHOUT 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 THEY MIGHT ASK AS, REPITUTATED AS, WHAT, BUT I AM THE BOSS XXXX FOUNDER OF EVEN THIS, ESTABISHMENT, THUS, THE ONLY XXXX, WORKING. THE OTHERS, FOR, THEMSELVES. PLEASE, COULD YOU RECOOPE, MY LOSES AND GET THE XXXX, THE HECK OUTER, HERE. FROM, ALSO, XXXX XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, SERIOUS MATTER.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, I'm reaching out because XXXX is helping XXXX XXXX put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 
**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately. Thank you,
Product: Credit reporting or other personal consumer reports

In complaint XXXX you responded stating that you were unable to locate a credit report for me. I am having a hard time believing this as I have a credit report that is accessible. I do not feel that an investigation was done. I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201. Please remit payment for violations within 10 business days and remove the following items that were reinserted without notice and validation : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' These inquiries are currently being reported on my credit report XXXX is reporting only XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) states `` 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures as XXXX and Transunion are not reporting these inquiries but XXXX is reporting them and this is obviously inaccurate reporting and that is unlawful and damaging to me. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of these reporting services.
Product: Mortgage

My mortgage was transferred from XXXX to Lakeview several months ago. Now, all of a sudden, after I am no longer employed Lakeview starts tacking on additional fees that they claim came from the previous company. If that is so, why wait so long to add the fees to the account. The representative that I spoke with on XX/XX/XXXX did not even know what it was. She had to research & try to make it be my responsibility to research it. How is it my responsibility when it was not my responsibility when the loan was transferred. I was not asked my opinion then, but thats neither here nor there. It seems unfair & deceptive a violation of UDAAP fir them to just decide to tack on additional fees after months of me paying my loan with them. The representative advised that the fees are not hurting me, but they are if I am getting charged interest. Furthermore, their automated system is also misleading. I processed my regular monthly payment on XX/XX/XXXX. The automated system told me when they had received my last payment & what I was due for XXXX. I call back today after processing the payment on XX/XX/XXXX which should have gone for XXXX, only to find out that I still owe for XXXX. The young lady today XXXX, advised that my previous payment went toward principal only, which I did not advise, neither did their system advise or the previous representative that I spoke with on XX/XX/XXXX. It just seems does not seem right.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these hard inquires deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please delete all the fraudulent hard inquiries from my credit report : 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: Money transfer, virtual currency, or money service

I brought a money order of XXXX XX/XX/2022. And the money was stolen, when i went to complain they said it might take up to a year.