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

Name : XXXX XXXX Consumer XXXX Date of Birth : XX/XX/2003 SSN : XXXX ID Type : Driver 's License ID Number : XXXXXXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX ( XXXX ) Account # : XXXX Routing # : XXXX XXXX a victim of identity theft and checking fraud. I don't recognize these report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, I am writing this complaint under the penalty of perjury. I have never had - previously or currently, any accounts or dealings with the financial institution LENDBUZZ FUNDING LLC., www.lendbuzz.com, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX, ( XXXX ) XXXX. During the process of purchasing a home I discovered through my credit report provided by XXXX that this financial institution reported on my credit an automobile purchased in XXXX of 2021 for the total amount of {$18000.00} with a current balance due of XXXX. 
Upon conversations with the financial institution and the auto sales shop it was discovered, clearly and conspicuously, that the purchase belongs to my older brother. We presented the contract number to LENDBUZZ ( which they confirmed they have it on file ) and they also confirmed that the purchase was made without an SSN or an ITIN number and that my non-public or public information was never a part of the process. 
I have no idea how they got a hold of my non-public information to add this debt to my credit report. 
We spoke to several people within their organization, including the supervisor XXXX and they refuse to remove it unless we file a complaint with all three credit bureaus. I consider unconscionable that they would make such an error and not fix the problem themselves giving that they have the sales contract in their files. They alleged the need to investigate, even though they have the contract as evidence that the vehicle does not belong to me and that they receive monthly automatic payments from an account that does not belong to me. How many others have they reported onto their credit reports without cause? 

I hope the CFPB can investigate how they get a hold of SSNs and report incorrect debts to the credit bureaus.
Product: Credit card

This is related to my previous complaint. Negative comments were placed to the credit bureaus by Bank of America during a time period during which I disputed a charge. The comments negatively impacted my credit by XXXX points. I spoke with, XXXX XXXX, my point of contact at Bank of America, for this case. She stated that only Bank of America could have submitted any comments related to the dispute to the credit bureaus. She also stated that they have no record of any comments being submitted. I am filing this report due to a lack of transparency at this banking institution. I need to know why the comments submitted affected my credit score so adversely. Thusfar, I have received nebulous answers such as " numerous factors effect your credit score ''. No one at Bank of America has provided me with any useful information as to why their comments to the credit bureaus have had such a drastic impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 

10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Experian, XXXX XXXX regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Fraud Alert with XXXX on around XXXX XXXX, 2017. 
I have not heard back from them since then. 

I did get a letter in the mail from XXXX on XXXX XXXX, 2017. 
It is my understanding that if I have a Fraud Alert no one can open an account under my name unless they contact me. 


Today, XXXX XXXX, 2017, I received and e-mail from from XXXX XXXX that XXXX XXXX/XXXX and Capital One had run a Hard Inquiry on my credit. 
A few minutes later XXXX sent me a similar e-mail and called me on my cell phone. 

I call XXXX. They started an investigation in the Hard Inquiry. 
A Hard Inquiry not only lower my Credit Score ; but, is also an indicator of fraud. 

I filed and Identity Theft Report at XXXX. 
The FTC emailed me instructions to file a Fraud Alerts with the Credit Bureaus and later to contact the Fraud Department XXXX XXXX XXXX and Capital One. 
so both companies could remove the Hard Inquiry off of my credit reports. 

I followed the FTC 's instruction and contacted XXXX the credit agency that conducted BOTH Hard Inquires. I filed an Initial Fraud Report with XXXX. 
They e-mailed me back quickly. 

I tried to file another Fraud Alert with XXXX today, and I received an ERROR MESSAGE. 
Something is WRONG with this Credit Bureau. 

I then called XXXX XXXX, XXXX, Florida, XXXX at XXXX. 
After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

I then called Capital One, XXXX XXXX XXXX, Utah XXXX at XXXX After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
Again, I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

In summary, I need your assistance in ensuring that XXXX posts a Fraud Alert on my credit information. In my opinion, all government contracts should be pulled from this company IMMEDIATELY and an investigation on unfair business practices initiated. 

I also need you assistance in following up with BOTH XXXX XXXX and Capital One. I do not understand why BOTH are not interested in stopping identity fraud. 
I have a XXXX XXXX XXXX XXXX Veteran. It does not bother me to stay on the phone ONE HOUR to get things done. Hard working taxpayers do have the time to do this. 
The business practices of these two companies needs to be revised and changed. 

I do not understand why it will TAKE THEM 90 DAYS to fix my credit report. 
These two companies should also be investigated for unfair business practice. 
I appreciate you support. 

Very respectfully, XXXX XXXX, XXXX.
Product: Debt collection

In XX/XX/2019 Midland Credit called my cell phone and did not verify any information before disclosing they were a collection agency and calling regarding a XXXX XXXX account. My phone was on speaker phone as I was in a meeting awaiting a call from a Vendor. My entire XXXX XXXX  heard that I had a debt, which I did not know anything of and still unsure if it's mine. I advised the representative that I couldn't talk and she didn't know who she was speaking to and she continued to demand I pay my debts. I told them not to call my phone any more. They called back again ( I do have proof of the phone calls and screen shots ) and again, did not verify any information and demanded I pay a credit card.
Product: Credit card or prepaid card

I used an atm and no money came out but the bank showed that those funds did withdrawal from my account. I called my bank and told them what happen. They filed an investigation or so I was told. 10 days later I call to check on it with the bank. There was never a report filed so they said they will file again. 10 days later I call the bank again and told yet again that no report was ever filed. So here we are almost 20 days later and no report has been filed from my bank, they have not provided any explanation for them not filing the report. I have no funds because they will not realer any to keep. Not even a provisional credit. They canceled my card without my knowledge and wont give me my money that is there in the account. Every-time I call the bank I get the run around. No one knows what is going on.
Product: Debt collection

I am an XXXX XXXX XXXX man living at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My son lived on the same property in a separate structure, but we shared our mail box at the XXXX XXXX address. My son, died XXXX. He had cable, phone and internet in his name with XXXX XXXX and paid the service monthly and I paid for my own cable for my house with XXXX XXXX XXXX. When he died, I turned off the service with XXXX XXXX immediately, and told them he was deceased. I gave them my name and told them I was his father. My son was on XXXX when he died. XXXX XXXX continued to send bills in my dead son 's name and my name. I sent all XXXX XXXX bills back to XXXX with recipient is DECEASED written on the envelope. On XXXX/XXXX/16, I received a bill from Progressive Financial Services in my name ( XXXX XXXX ) for a XXXX XXXX bill stating I owed {$680.00}. I have not subscribed or ordered XXXX XXXX, my cable and internet provider is XXXX XXXX XXXX. Please help me with this financial injustice.
Product: Debt collection

there is an account in my report that i don't recognize. This is fraud and i wanted it to be removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX  account # XXXX date opened XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/21, I received notice, via USPS, that Viking Client Services alleges I owe their client, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( {$2000.00} ) '', dated, XX/XX/21, for a " XXXX Credit Card '', with no original creditor cited. I immediately responded, via certified USPS Mail, return receipt, # XXXX, to dispute the debt in full and request validation within thirty-days ( 30 days XXXX. A duplicate request was also sent to XXXX XXXX XXXX, via, certified-USPS-Mail, return receipt, # XXXX. And a second validation notice was also sent to Viking Client Solutions, on XX/XX/21, via USPS-Priority-Mail, although they had received prior notice, and the 30 day period had already begun with both parties. As the request with Viking Client Services, was signed for on XX/XX/21, by Mr. " XXXX XXXX '', and the request with XXXX XXXX XXXX was signed for on XX/XX/21, by " XXXX ''. Please see the attached letters, titled, " Vikingltr11421 '', and " Uhgdpdeltr '', including return receipts, with signatures. After not receiving any response from either party, cease and desist notices were mailed to both parties on XX/XX/21. However, on XX/XX/21, I did receive what seems to be an inadequate attempt to validate this alleged debt from Viking. However, it was post marked, XXXX, XXXX, and dated, XX/XX/21, well after the thirty-day ( 30 day XXXX period to investigate under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) expired. Please see the attached envelope, and letter, titled " VikingresponseXXXX XXXX.
Product: Student loan

I reviewed my credit report and found that my credit score had dropped by over XXXX points due to a delinquent XXXXXXXX XXXX with XXXX XXXX. I took out this loan in fall XXXX and have received no correspondence or notices with respect to this loan since taking it out. The only email I have is dated XXXX XXXX, XXXX, and it notes that I signed the promissory note for my XXXX XXXX. No further mailings or emails were sent to me, including when the loan became payable in XXXX XXXX. I do n't think this is acceptable given that I was a student at XXXX and had ( and still have ) a working XXXX email address that they could have reached me at at any time. 

The XXXX XXXX XXXX website XXXX XXXX XXXX XXXX ) notes that after leaving school, I should expect to receive important information about repayment toward the end of my XXXX grace period. I did not receive any such information, though they inform me that they had my New York mailing address at the time. The website further notes that in XXXX XXXX, the loan servicer changed and is now XXXX I also did not receive any notice of this change. 

I called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and after being transferred twice and being put on hold for about XXXX minutes, I spoke with a representative of the billing department, XXXX XXXX, who informed me that XXXX can not do anything regarding credit reporting, and that I should speak with the loan servicerXXXX XXXX I then spoke with XXXX ( where I was put on hold for XXXX minutes ) and they informed me that they did not do any negative reporting on me. The negative reporting was done by the prior servicer, XXXX. They recommended that I reach out to XXXX. I do n't yet have XXXX 's contact information and have asked XXXX for this information. I will certainly reach out when I have the appropriate contact, but I strongly suspect that they will tell me they can not do anything because they no longer service the loan. I have googled XXXX and can not find a legitimate looking website for them, and I also see that they have made settlement payments due to poor student loan practices in the past. 

As a sidenote, the credit report notes a phone number for XXXX, the lender, and this phone number is disconnected. Further, there is no phone number on XXXX 's websites for billing-related questions, and it was only after strenuous objections that I was able to speak with a person today. Rather, the default operator response is to direct me to email the listed email address. Both the operator and the billing department representative I spoke to told me they could not give me a phone number, and instead would have to email the address. 

I am now up-to-date on my payments and will continue making timely payments going forward. Given that XXXX and XXXX refuse to assist, and I can not get in touch with XXXX and have never been in touch with them, I am at a loss for what my options are right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit reporting or other personal consumer reports

I haven't given you permission to furnish a consumer report in my name along with these inquires pursuant to 15 usc 1681b ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from Transworld Systems Inc. It's a collection for a XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$2400.00}. I'm asking that this account be removed immediately as this is fraudulent!
Product: Credit card

I filed a claim against a charge from a merchant with my credit card company, which also happens to have a relationship with this merchant. They seem to be biased towards the merchant in handling the claim. Additionally, they are discouraging me from questioning their judgment by threatening to post negative information on my credit report.
Product: Checking or savings account

On XX/XX/year>, XXXX charged my bank card without my permission three times, the first time for {$260.00}, {$190.00}, and XXXX. XXXX refunded the {$190.00} and XXXX to the account but did not return the {$260.00}. I reached out to Navy Federal Dispute Center and they emailed me back on XX/XX/XXXX saying that they had solved the issue and a refund would be credited to my account. As of today that refund has not been credited back to my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, FL XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 9 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempt within a year and no results, from LexisNexis for false or inaccurate information. Obtaining variations of names, birthdate, addresses, SSN, telephone numbers and employers. References # XXXX that they assigned me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.