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

Since XXXX of XXXX  XXXX XXXX has stolen the identity of XXXX XXXX changing email address and changing information on her credit report using the social security number without consent and continues to do so as of XXXX XXXX. Ive filed several police reports. 
XXXX XXXX opened a XXXX XXXX  in the name for XXXX XXXX. And charged items in the amount of XXXX in charges. Several charges on XXXX account amounting to XXXX Credit card came to my address with his name on it. 
XXXX XXXX changed my address at the post office system and had my mail routed to his address XXXX XXXX XXXX XXXX XXXX WI XXXX I have a email from the Postal inspector of XXXX stating the issue of the fraudulent address and a phone transcript. He stolen my XXXX account. Hes changed my XXXX so much that Im completely locked out of that account all together. Proof of that. XX/XX/XXXX XXXX he ordered my drivers license with the stolen credit card he open from XXXX XXXX. 
XX/XX/XXXX {$71.00} at XXXX XX/XX/XXXX XXXX at XXXX he tried ordering food from XXXX with my XXXX XXXX The list goes on with several different attempts to open accounts. 
XXXX XXXX tries to log in for my XXXX XXXX  account XX/XX/XXXX XXXX attempts. XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempt and XX/XX/XXXX XXXX attempts. Changed XXXX password change XXXX XXXX my XXXX account as well. I have several email stating someone on Wisconsin computer trying to get into my accounts. 
Recent activity was on XX/XX/XXXX changed my phone number on my credit report Experian to phone number XXXX and XXXX to XXXX. Old email address is XXXX. XXXX XXXX is making several attempts to hack my emails account as well. He does it at night when XXXX sleep and notifications wake me all through the night. 
Friday XX/XX/XXXX tried logging in to get my Tax information 5 attempts. 
On XX/XX/XXXX he called XXXX again according to records trying to get access to my XXXX account again. 
XXXX XXXX XXXX XXXX. hes attempting to get into a XXXX account. This has been going on since XXXX of XXXX. There is more attempts that are not listed here. 
XX/XX/XXXX, XXXX XXXX calls to tell me that he has tried to open a XXXX XXXXXXXX XXXX XXXX in my name but shut it down. 
XXXX XXXX is resilient and will not stop. This has really become a burden and Ive not been able to function because of this situation. Ive been XXXX XXXX XXXX ever since this has been happening. Included in this lawsuit is for XXXX XXXX.
Product: Debt collection

Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have two accounts linked with the same account number on my credit report. Its unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 604 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

This is my third complaint against Equifax. I have outlined every time what the issues are and they have still failed to correct my credit report. Equifax is required by law to provide the original documentation proving that debt is accurate in their verification process and they have failed to do so every single time. Equifax did not respond to me with 30 days as the law states. They continue to not follow the law and they needed to be investigated because they are not incompliance wit the FCRA. 

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcy and XXXX XXXX XXXX XXXX on my report on XX/XX/XXXX. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Equifax on XX/XX/XXXX stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/XXXX requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response  letter on XX/XX/XXXX because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/XXXX. In accordance with.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. I got a response on XX/XX/XXXX from Equifax and the unverified accounts still was on my credit report. So I sent another letter to Equifax on XX/XX/XXXX disputing this bankruptcy. I have sent letter to Equifax on XX/XX/XXXX, I got a response stating they could not find my information in the system. Which is a stalling technique. I sent the information on XX/XX/XXXX. I got no response from Equifax. I sent another dispute on XX/XX/XXXX again no response from Equifax, so I sent another dispute on XX/XX/XXXX and I have yet to get s response from Equifax. This is unacceptable. 


Attachments SecondRound_Equifax_1_Letter.doc ( 97.5 KB ) 02-4_A_Letter4_Equifax_DW4.doc ( 33.5 KB ) 02-8_D_Equifax_Non Response in 30 Days _DW.odt ( 5.5 KB ) View full complaint
Product: Payday loan, title loan, or personal loan

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately. 

Why was my identifying information shared that I did not consent?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my XXXX credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) ( 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 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

My account was closed by PayPal credit through synchrony bank. They did this without telling me, I did not miss a payment. They did it because an autopay was processed with insufficient funds in my account, but the autopay was not at a time when the payment was due, and it was paid 2 days later. My account was still closed without an email confirming it. I have tried to get it reopened, and I have paid off the remaining balance, but they say the account can not be reopened.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT ( CFPA ). Specifically, Cash App failed to take timely and effective 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 Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I continue to receive an inaccurate coupon for {$1700.00} that does not reflect the interest paid directly to TIAA Bank by my employer, as a relocation interest subsidy. In addition, they continue to include charges for house insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, they continue to charge for flood insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, and they continue to charge for the increase in property tax which was also paid-in-full directly to the escrow account on XX/XX/XXXX. 

All of the aforementioned payments have been verified at my financial institution as received and cashed by TIAA Bank Cash Management. 

I changed insurers and paid them directly in XX/XX/XXXX ; however, the bank disbursed funds to one on the cancelled policies, even after I notified them of the change. The cancelled policy holder sent the checks to me, and I in turn sent the funds back to the escrow account. The other insurer failed to charge me directly, despite being given my credit card information. Once discovered, I sent these funds back to the escrow account as well, as detailed above. I had to contact the XXXX XXXX XXXX  in order to find someone in TIAA Bank capable of identifying and resolving the issues. I thought that once these concerns were cleared, I would receive an accurate billing statement ; however, the statement is still inaccurate. 

As per communication that was only achieved after contacting the XXXX, the following is an accounting for the aforementioned loan and the manner in which TIAA Bank has been paid since XX/XX/XXXX, and will continue to be paid until this loan is refinanced by a financial institution capable of servicing my loan appropriately, or my employer 's annual interest subsidy is adjusted in XX/XX/XXXX, whichever comes first. 

The following are charges and payments by month : Principal and Interest {$1100.00} Taxes {$400.00} Subsidy - {$210.00} My Payment - {$1400.00} Due - {$96.00} Note : The tax calculation is based on the original tax amount of {$4800.00} divided by 12 months to arrive at a monthly amount due, since the {$680.00} increase was previously paid directly to the escrow account. 

TIAA Bank receives each payment on time. The additional {$96.00} they receive from my monthly payments should be applied directly to my principal balance, as requested. Instead, I continue to receive fraudulent delinquency notices. The escrow account is not a slush fund. When I spoke with TIAA Bank via the XXXX, I requested a reconciled balance from the bank. The P & I, Subsidy, and Tax amounts were provided by the bank, so I do not understand why they still can't get it right.
Product: Debt collection

XXXX XXXX XXXX continues to harass both myself and my family members about a Debt that they refuse to send a debt validation letter to. I have contacted XXXX XXXX XXXX   requesting that they send me a debt validation letter and they refuse to send me a copy of the letter, when i spoke to an agent she was extremely disrespectful and told me a letter was sent out at the beginning of XXXX which i did not receive when asking for them to send me another copy of the debt validation letter as i let her know i did not receive it she refused to send one.
Product: Vehicle loan or lease

Vehicle was sold to me with mechanical issues, dealer did not want to help me fix it so I called them to come and pick up vehicle, they sold vehicle in auction and still trying to charge me full price
Product: Prepaid card

In XXXX, my friend purchased a {$300.00} MasterCard gift card ( plus {$5.00} in " fees '' ) at a local grocery store ( XXXX ). According to the packaging, it was issued by the US Bank National Association. She gave it to me later in the month or early XXXX. In XXXX, I decided to use it. The instructions said to to register it online prior to making an online purchase. I attempted to do so at XXXX - the site listed on the packaging. The site told me they could n't find the card so I called the customer service number - XXXX. According to customer service, the card was not activated at the point of purchase and I was directed back to the store. I went to the store ( WITH the receipt for the gift card ) where the baffled manager said he could n't help me and HE called the customer service number and they advised him I should call back with instructions. I returned home, called the number, and the rep told me I would have to fax the receipt, along with a copy of the gift card ( front and back ) to the attention of " Gift Card Activation '' at XXXX. She said it would take 7-10 BUSINESS DAYS to activate the card. I did this on XXXX XXXX. On the XXXX day, the card was STILL not activated. I called AGAIN and the rep told me they would " escalate '' the matter -- but refused to find out if even the fax was received as that was a " different department. '' When transferred to a supervisor - she told me the same thing. ( But how can you " escalate '' something that is ALREADY late on your part?! ) She took my phone number ( which was already on the fax I had sent ) and said someone would call me back in 24-48 hours. After 48 hours passed without a call, I called them. The supervisor then explained that it was n't 24-48 hours in day time -- it was 24-48 hours -- BUSINESS HOURS. ( Have you EVER heard THAT? ) Which, he told me, would be five more days before I would hear about ANYTHING. This is OUTRAGEOUS! I asked him for the name of the company he worked for and he said, " Card Services. '' I asked for the physical address so I could put it on the complaint form to the XXXX Attorney General. He refused to give it to me and could only tell me that the business was located in XXXX. So, after being told the card would be activated in 7-10 business days, it was n't. Now I am " lucky '' enough to have this matter " escalated '' so it MAY be five MORE days before a single person calls me and will probably tell me " they never received anything. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section act ( 15 U.C 16B 1 B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining a credit, I did not authorize theseaccount and can not find any permissible purpose under this section that justifies their presence on my report. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX! This is XXXX XXXX XXXX XXXX. I checked my credit report and are inaccuracies on my name and addresses. Also, I have these unknown inquiries on my credit report and I would like them to be deleted immediately. I filed this unauthorized inquiries over Identity theft and I disputed it to the XXXX main bureaus as well but still on my current credit report. 

Here 's the list of the said inquiries and the date where it says I inquired : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, please update my name to XXXX XXXX XXXX XXXX. That's the only name I used for my entire life and my address to XXXX XXXX XXXX XXXX, XXXX TX XXXX only.
Product: Debt collection

I recently reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g this is a clear violation of inaccurate reporting. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

In XXXX, XXXX I purchased XXXX XXXX Door Shade for my home in Florida. I put a {$610.00} deposit on my TD Business Credit Card. I tried to get the company XXXX XXXX  and XXXX XXXX in XXXX, Florida to install in XXXX, XXXX and XX/XX/XXXX. In XX/XX/XXXX when they did not deliver on their contract and nothing was installed I contacted the cc company and started a dispute ( XX/XX/XXXX ). The " scam '' company sent an email to me saying they would not dispute the dispute and would refund the money ''. I provided this to the cc company., TD Bank XXXX Today, they denied the dispute due to the timing of the filing of the dispute. I am fully aware of the XXXX/XXXX timing guidelines. However, I was in good faith trying to resolve this with the company. I asked the Bank to " chargeback '' the deposit payment. They offered to file an appeal but nothing else. This would never happen with XXXX XXXX. XXXX values their customers and works to solve their issue. All TD did was spout timeframes for dispute filing to me. I have done my due diligence and contacted the bank several times, spoke to telephone reps as well as supervisors to no avail. Absolutely unacceptable since I have been trying to resolve following proper procedures since I exhausted every avenue to have this company XXXX XXXX XXXX deliver on their contact. I now believe this shutter company to be a " fraud ''..
Product: Debt collection

TeleCheck continues to allow fraudulent checks to be written in my name to merchants and provides no relief for ID theft. They continually ask for information they are not entitled to like drivers license number, DOB and SSN. I have not written a paper check in years and there is no path to resolution with this company. I fear that this fraud will negatively impact my perfect credit. The most recent letter is dated XX/XX/19 for a transaction of {$130.00}, reference number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

I first noticed a collection account from Fidelity Collection on my credit reports alleging that I owe them {$250.00}. I sent them a dispute on XX/XX/2021 asking among other things, to verify and validate the claim, showing a contractual obligation with my signature showing that we had done business or that I owed them. After not providing sufficient evidence, I sent a Final Goodwill attempt on XX/XX/2021, restating my claim and reasking for the contract or evidence that this alleged debt was mine. I understand with federal and state law, under the FDCPA, FCRA, HIPPA and others, that consumers have rights, particularly, to have alleged debts be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that Credco is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the Credco report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. XXXX XXXX XXXX XXXX refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX  Account number : XXXX