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

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX Balance : {$25000.00}
Product: Debt collection

I received a 1099-C form from a debt collector for a debt that I have tried to get information on but have never received proper verification that I have previously requested. From verbal conversations it appears to be some sort of home loan that I took out in XX/XX/2008 through my mortgage company, XXXX. During the mortgage crisis my home went into foreclosure and the company was sold to XXXX XXXX XXXX. I was able to modify my home loan and refinance all the debts owed at that time. I have since refinanced my home and am in good standing. Any prior home loans were taken out as secured by my lenders and when modified I received reconveyances and title insurance. This appears to be a scam and a modification of my original secured home loan that was refinanced. Apparently, they believe they can collect as unsecured but won't give me any information to date. I dispute taking out any unsecured loan. I have never paid anyone or am I aware that I owed anyone separately. I can get reconveyances and title reports if necessary. I further dispute this debt as they say it was taken out in XX/XX/2008 and is no longer collectible according to a Financial Credit Act. I was in financial distress for years as a result of medical issues and XXXX  that left me with an XXXX XXXX XXXX XXXX XXXX/XXXX/and XXXX. I dispute this debt and ask that the 1099-C be voided. Thank You!
Product: Checking or savings account

Huntington Bank allowed a unauthorized user to transfer funds to his personal XXXX without telling me or alerting me. {$240000.00}
Product: Debt collection

WAYPOINT is claiming that I owe them {$56.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

On XX/XX/2022 I was notified through my bank account alerts that {$1100.00} were taken away from Wells Fargo. I did not receive any notification beforehand letting me know what was going on. So I come to find out that 3 months back on XX/XX/XXXX I made a deposit for {$1100.00} well the bank proceeds to tell me that the check was double deposited XXXX on the XXXX of XXXX and another deposit on the XXXX of XXXX. I only made XXXX deposit on the XXXX of XXXX not XXXX. I deposited the check through the ATM so I don't know how I could have made XXXXXXXX deposits as they claimed. I have statements that reflect that only XXXX deposit from that month for {$1100.00} was made. The bank did not show me proof of this double deposit as they claim all they said was that's it that it was a double deposit and that's it. I want my {$1100.00} back that the bank took away from me. Why did it take them 3 months to do this if that was the case and why did they not inform me before they deducted {$1100.00} out of my account which I was overdrawn after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach caused me to have the violations please correct the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in  XXXX  and most recently  XXXX   XXXX  to resolve this matter that has violated the HIPPA laws and shared my medical information with a collection agency 3rd party.
Product: Credit reporting

This is incorrect and is showing up in my credit please remove DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your XXXX Credit Score. Your credit report shows recent missed and/or late payments with creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute In regards to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. Debt Buyer. I Disputed and XXXX stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair
Product: Debt collection

XXXX XXXX XXXX employee XXXX XXXX has been contacting my wife cell and her place of employment. Leaves messages with threats. 1st call was on XX/XX/2019 and then XX/XX/2019.
Product: Debt collection

I have been receiving constant calls from a private number, when i finally answered they asked to speak to me. I did acknowledge and began to listen to the reason for their call and started to get scared. They used threating and harrasing statements. I tried to get information about the debt I supposedly owe from 2012. They continued to threaten me with legal action, and very aggresive over the phone. Represenative started listing all my past addresses and phone numbers saying i could easily be located and sent to jail. I disconnected the call and i called back and asked to speak to a supervisor and the guy who took my call raised his tone, threathing me if i didnt take care of this matter i would have legal action against me. All of this was going on while i was still trying to figure out what debt it was. I have been ignoring their phone calls and they started to call my family members scaring them that it is an emergency for me to call them immediatley or legal action will be filled against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have personally contacted XXXX, XXXX , & TransUnion credit bureau through phone, online, and certified mail. It has been 5 long months. Neither bureau can answer or explain the process that is taken to verify an account. I honestly admitted several times that I am unaware of the accounts Ive disputed but its becomjng more of a problem where I must take matters into my hands and contact my lawyer. We will be seeking legal matters. I have every right as a consumer because you have broken several FCRA laws. Section 609, 605, and others but I want to get to bottom line of this. For the final attempt, what is the verification process? If you cant answer and prove the steps and process correctly by law you must remove the accounts that Im disputing. I have given you sometime to fix your errors but you insisted on being egotistic, and now you must pay the consequences for your actions in the courtroom. I have all evidence of the certified mail, phone calls that were recorded. I have my evidence and Im ready to take this to court and publish online about your company about the credit breach, you leaking my information, placing errors on my credit file, false information, not 100 % accurately verifying credit accounts & accusing consumers. I have contacted the creditors as well and this seems to be problem none are responding and are taking this situation as a joke which displays unprofessionalism total disrespect. Well see who gets the last laugh.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is on there twice ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

There was a credit card application on XX/XX/2023 for JP Morgan Chase bank. I didnt submit or apply for this application. My credit protection company notified me and we worked with bank to cancel the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : The XXXX XXXX/XXXX  # XXXX These numbers were listed on my TransUnion report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from TransUnion in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how TransUnion calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, TransUnion, your consumer report agency or bureau decreased my credit score by 50 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.
Product: Bank account or service

An unknown person cashed what appeared to be a counter check for {$6000.00} on my bank account with Suntrust in XXXX Florida on XXXX XXXX, 2016. I submitted a fraud claim on XXXX XXXX, and it has not been resolved as of yet when they told me it would be a 14 day period to resolve.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report resulting from the exposure of my personal information during the Equifax data breach. Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], I am asserting my rights to block fraudulent information that may have been added to my credit report as a result of this breach. 

The compromised information includes but is not limited to [ specific information such as Social Security number, name, address, etc. ]. This breach has placed me at an increased risk of identity theft, which has already resulted in unauthorized accounts or inaccuracies on my credit file. 

Below are the fraudulent/ unauthorized accounts which I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My house was burned down in the XXXX XXXX XXXX. My insurance company approved my claim and sent me the claim check addressed to myself and US bank, the mortgage lender. The claim check is for a rebuild. This was all explained on the phone to XXXX XXXX, who is in the Mortgage Service department, specifically the claims department. I called to ask how to deposit the check and when I could access the funds. XXXX XXXX said the following needed to be done before funds were dispersed : ( 1 ) me to sign the check and mail it to his department ( 2 ) He asked for the adjuster report ( which I have ) ( 3 ) complete floor plans ( 4 ) the contractor to provide a complete list of materials used and estimates. I explained the mail system here is in chaos and if I could go into a branch instead ( given the large sum ). He said no, which is not true. I said complete floor plans required hiring an architect, obtaining city approval and city fees to be paid, which would take months. Those points also holds for the contractor. He said I would have to pay out of pocket. I asked for a copy of the written policy, he said there was none and to listen to his words. My mortgage is half of the claim amount and when I asked why only 33 % would be dispersed first, he said 'that is how it is '' and when I asked for the written policy, he said there was none. I asked how the remaining amounts was to be dispersed and he said they have no policy on how the remaining amounts were dispersed. I was not satisfied with his responses so I called CFPB and learned that initial dispersement of funds needs to be done before any work begins.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax to have some INACCURATE personal information removed from my credit report as well as some UNAUTHORIZED inquiries. 

INACCURATE INFORMATION Phone Number Address Name ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX UNAUTHORIZED HARD INQUIRIES DATE COMPANY ADDRESS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to conduct an investigation multiple times on this debt and they state that it is accurate but it is not. 

ALDOUS AND ASSOCIATES Amount : {$460.00} In accordance with the Fair Credit Reporting Act, Aldous and Associates, have violated my rights. 

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 States that a consumer reporting agency can not furnish an account without my written instruction.

I have presented military orders showing that this account was in violation of the soldier and Sailors act. The account was suspended and the amount owed was presented in error.
Product: Money transfer, virtual currency, or money service

Vantage Point Title, in XXXX XXXX These people lied when our money would be sent. Made us wait 3 days even though we were in a wet state. Then they said twice on XX/XX/XXXX that our money would be in at COB day. 

They were late wiring money, ( after XXXX XXXX ) on XXXX XXXX, and then could not trace it. They again assured us that we would have our wire transfer at the close of business. The loan closed on XX/XX/XXXX. It is XX/XX/XXXX and our money is not in our bank. 

This was a payoff for a private mortgage. This company has been negligent in the timeliness of our pay off, and it is fraudulent to lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I asked them to update my account payment status on my credit they refused.

XX/XX/XXXX I entered I knew settlement agreement and I am current on my payments.

Also my current balance is XXXX not what they have posted online they will not update
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit reporting agency on several occasions disputing information that they can not validate. I have provided proof that this information is not mine. The representative stated that information is recieved electronically and they only report what is electronically sent not validating information. I have disputed incorrect information for a few years and not getting results. Public records, collections and incorrect addresses have been disputed multiple times but remain reporting without validation.
Product: Debt collection

This is a fraudulent report. This debt does not belong to me. I have communicated this to XXXX multiple times via phone and in person. I have an active and paid up account with XXXX in my name. I had to dispute this to even get the account. A collection agency reached out on behalf of XXXX via mail on XX/XX/XXXX. I called immediately to dispute this matter. I was instructed by XXXX to share by email XXXX ) photo ID XXXX ) copy of my lease for the dates of XX/XX/XXXX to XXXX and then to fill out the XXXX ) fraud affidavit packet. I submitted all of this information on XX/XX/XXXX. I never received any follow-up communication or additional debt attempts. Collection told me they would freeze reporting on this. Again this is fraudulent and not my debt. Someone used my information to get this service. I did not live at the address they listed. this is not ok to report on my credit.
Product: Credit reporting

I was very concerned about some accounts on my report that were not right. I wrote a formal letter to Experian hoping to get an explination. I sent this letter on XXXX and have yet to receive a response, they are way past their 30 day limit. My wife also tried to write them letters and they claimed he wasnt real or something. I dont understand what is going on, so I am hoping you all can help me better than they can. Here is the letter I wrote them and my credit report that has the mistakes on it.
Product: Checking or savings account

I mobile deposited a {$4200.00} IRS check into my account 3 weeks ago and have not received the funds into my account. I have reached out to kabbage 3 times so far and the funds have yet to be available nor a specific timeline of a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly my Date of Birth. They are only showing the year. My Date of Birth is XXXX. Experian is also incorrectly reporting my mailing address. They are showing only a XXXX XXXX XXXX I do not have a XXXX XXXX XXXX ( Please see page attached from my credit report for reference. I have also attached a copy of my drivers license and SSN card to verify my identity. ) Experian continues to report the following accounts listed below as belonging to me. I do not have an account with any of these creditors, nor have I had any accounts with these creditors in the past. They are fraudulent and need to be removed from my credit report. ( I have attached a XXXX XXXX disputing the validity of these accounts. ) XXXX partial account number XXXX ; XXXX  XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX partial account XXXX XXXX and XXXX XXXX L partial account number XXXX opened XXXX and XXXX XXXX L partial account number XXXX opened XXXX. NONE of these accounts belong to me. Experian is also reporting multiple inquiries on my credit report. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report for reference. ) These multiple inquiries belong to someone else and are reporting in error. I have contacted the bureaus as well as the creditors to remove these negative items from my credit report however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Again, please remove these fraudulent accounts from my credit report.
Product: Debt collection

I never received any kind of notice.. not sure what this is for. I found out about this through XXXX.
Product: Debt collection

This debt is over 10 years old. When I moved down south in 2010 I turned off the services at XXXX XXXX XXXX. They sent me a bill saying the service was used at other addresses in CT and it wasn't me.