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

on XXXX and XXXX ive sent letters to the XXXX XXXX and equifax about this fraudulent identity theft account ( XXXX XXXX Account Number : XXXX. ) they have on my report. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and XXXX, XXXX and equifax failed to do anything thats against the law its been more than 45 days It has been well over 45 days since my last letter on XXXX. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could send in a fraudulent account. In my last letter I asked to see a contract with my signature as proof and they have not sent me any proof that this XXXX XXXX, Account Number : XXXX belongs to me. 

under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and equifax any written consent to report anything on my consumer reports no consent is FRAUD. XXXX, XXXX and equifax are violating my rights and committing fraud Also this XXXX XXXX account is a charge off with a balance of {$840.00}. A charge off means XXXX XXXX  has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also I respectfully Contacted XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : XXXX XXXX, XXXX, XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal Loan account opened at XXXX XXXX XXXXXXXX XXXX, XX/XX/year> account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband bought a truck from XXXX XXXX XXXX while I was at work. He got it a few months before he passed in XXXX of 2020. It wasn't even tagged yet due to covid shutting down the tag offices in our areas. I didn't know till after he had passed and I voluntarily surrendered the vehicle and it ended up tanking my credit XXXX points that my name had been forged and it was on my husband 's truck. I sent them an email saying we loved it but I couldn't afford it. They then tried to get my insurance for XXXX worth of hail damage that was already on the vehicle. That got denied then they sold it and want me to pay the difference. I have no job and XXXX kids. I have no extra money to pay the difference is XXXX dollars. Unfortunately I just don't have that kind of money. They sent me a paper saying I'm going to be taken to court but no court date has been set and I am trying to get a home for me an my children and this is really hurting my credit. The place contacting me is credit acceptance corporations. I've tried sending proof of the signatures not matching. That I was at work during this time. I don't know what else to do.
Product: Payday loan

I had a loan back in XXXX with first Virginia loans. The loan has been paid off in full with bank statements for proof. Well as of XXXX they are saying my loan is in default and I have n't made any payments.
Product: Credit card or prepaid card

I am signed up for electronic statements and set up to receive email notification when the statement is available. Back in early XX/XX/XXXX, I stopped receiving email notifications when the bank changed to Capital One and then I had received email notifications for a few months and now they have stopped again. I did n't receive notification for XX/XX/XXXX nor XX/XX/XXXX. My settings with the bank and my email address have not changed. I remembered to make my payment in XX/XX/XXXXon time but did n't remember to make the payment in XX/XX/XXXX and now I have a late charge. I know that a statement ( or notification of a statement ) is required to be delivered 21 days in advance of the due date and this bank is not complying with this requirement.
Product: Debt collection

Portfolio Recovery Services called me at XXXX PST on XXXX XXXX, XXXX. I did not answer the call as it was too early but it did wake me up. I looked the number up on the internet as soon as I got to work to see who was calling and found that it was Portfolio Recovery Services, only with a different number this time. In this instant, they had called from a Virginia XXXX, VA number. They did not leave a voicemail. 

Another call from Portfolio Recovery Services happened at XXXX PST on XXXX XXXX, XXXX. This time, they had called from an XXXX, FL number. I did not answer the call since I did not recognize it and they did not leave a voicemail. Again, I looked the number up on the internet to see who had called.
Product: Bank account or service

At approximately XXXX on XXXX XXXX I went to my local Wells Fargo branch in XXXX TX ( located at XXXX XXXX and XXXX ) to obtain a XXXX Signature for an asset transfer form. This was the third time over a several week period that I had visited this branch for service but had been told no one was available. As such, I decided to close out my checking account. I demanded that I receive cash from the account but I was told they do not keep cash on hand to fulfill such requests. When I demanded it again I was told by the clerk that " that 's enough money to get XXXX over ''. They refused to fulfill my demand.
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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response.
Product: Debt collection

CFPB XXXX XXXX XXXX XXXX On a recent check of my credit reports I see there is a collection/charge off account from XXXX XXXX XXXX saying I owe a debt of {$1600.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

*** You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute in regards to bankruptcy that was showing on my credit report that does not belong to me. On XX/XX/2020 Experian posted my dispute results showing that they were able to get verification from a clerk that it was indeed my information. I immediately called down to the courthouse, to ask how it had gone so wrong and why it was showing up as my information. I was able to find out that the courthouse had been closed for a few weeks there were no clerks there to verify Anything for anybody and that theres nobody there that could help me. They then told me there couldnt have been anybody there to verify for the credit reporting agency either. Experian is not being truthful in regards to their investigations on disputes and is fraudulently reporting unverified and wrong information.
Product: Checking or savings account

I sent a check that was issued to me from a online Bank called XXXX XXXX it was for {$21.00}, it was issued to me through Bank of America by XXXX XXXX When I mobile deposited the check for {$21.00} at XXXX XXXX  Bank of America who is only the issuing bank for the check, the refund was actually from XXXX XXXX went ahead and bounced the check and told XXXX XXXX  that I had altered the check. So XXXX XXXX fraud department, closed my account. I just found out that years ago I had a Bank of America account and they feel like I owe them money so they skipped over any proper collection and took a check that didnt belong to them it was only mobile deposited to them through XXXX XXXX  and they were only the issuing bank but they confiscated my {$21.00} as if the check was made out to them it wasnt even anything to do with Bank of America other than the fact that they issued the XXXX refund to me. They then misrepresented everything to XXXXXXXX XXXX who promptly closed my account for fraud because Bank of America lied to them and told them I altered a {$21.00} and XXXX and check. So if banks can skip over who actually wrote me the check and just keep the money and lie about it because they feel like I owe them money from years ago that is not legal I cant be legal. Plus lying to my new bank to get it closed down so that all my money is locked up and my Social Security is locked up is extra nefarious Bank of America needs to be punished for this and they need to pay me back for damages. When I went to customer service at Bank of America, they would not discuss it with me they gave me a number for some kind of credit or bill collection place from years ago but they actually skipped over the people who issued me the check and just because it was drawn on their bank they felt entitled to take that money, lie about it, and then bounce it to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased a service on Cash App for {$1500.00}, They were supposed to deliver me with a service where they email me credentials to login to a simulated trading account that I can trade and make a percentage of my profits but when it was time to receive my profit split and they didnt pay my share. Cash app support wasnt able to help at all as well they just explained that I just need to contact directly to get my money back which didnt work.
Product: Credit reporting or other personal consumer reports

I disputed the accounts on my credit profile due to inaccuracies which is my full real legal name which is XXXX XXXX XXXX XXXX I am also a victim of several data breaches in which my information has been exposed Online so there are inquires, fraudulent accounts, checking accounts, credit cards, on my credit report.I have told the credit bureaus about this if there are any accounts on my report that use any other name than my real full legal name then it need to be deleted immediately or legal action will be taken my whole world has been turned upside down cause of my credit being exposed and fraudulent used that I have lost ever thing I am now homeless due to not being able to obtain business credit for my business to be able to stay competitive due to all this please help I am a law abiden citizen who has no power or resources to fight these criminals who has taken advantage of all of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

On XX/XX/2020 I made a order from XXXX for a XXXX laptop for {$1100.00}. 
It was supposed to arrive on the XX/XX/XXXX But I never received it I made a report with XXXX they said they would send me replacement but the replacement never came. I then proceeded to contact they and was to told to contact my bank because they couldnt help me. Then I contacted my bank which is my payroll Im not very bank savvy so I just use my payroll card ( XX/XX/XXXX Money network ) they kept closing my claim saying I didnt have Sufficient evidence so I mail them a paper they had me fill out. And then receive a letter saying that my claim has been denied so Ive lost my {$1100.00}.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

This company holds a collection that I need deleted from my credit to obtain a mortgage. I was never notified that I owed the debt. I called to settle the account and have it deleted from my credit report and they are refusing to delete. They keep saying " it 's unethical '' and " you should have paid your bills. '' I have called numerous times and they just laugh in my face. All I want is to pay this old medical bill and move on with my life. I can see by previous reviews to the BBB that they delete but they are refusing for me. Why should I have to have this weighing down my credit score if I 'm willing to pay. I did n't even know I had the debt until I tried to get my mortgage and they told me to call and pay it and have it deleted.
Product: Credit reporting or other personal consumer reports

Student loan is still showing as " Open '' when it has been paid in full with confirmation from the lender.
Product: Credit reporting or other personal consumer reports

Mortgage lender can not pull equifax report. They are saying their IT department is receiving a message saying Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery. I have reached out to equifax and there are no freezes or frauds are reported. Also reached to the company pulling report and was also told there are no flags reported. We are in a time crunch to get this report and no one seems to know whats going on. Thanks
Product: Debt collection

The FDCPA has been violated by XXXX and the Parent company. I've repeatedly requested that this be removed from my credit report as well as requested information validating the debt and your company has refuses. On XX/XX/2014, my son XXXX XXXX was treated for a XXXX at XXXX XXXX. The insurance provider, XXXX paid the medical provider {$820.00} at discounted rate according to the XXXX XXXX XXXX network Agreement.  However, the medical provider group for physicians sent my information to a collection agency and I informed them about the issue to remove it from my credit report and they refused to remove it or validate the debt, if any owed on the account. The account need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I had a travel package booked with XXXX and paid with AFFIRM. The flights got canceled and moved by the airline so automatically I was entitled to a refund per airline policy. I requested the refund and never got it. I talked to the financial institution that I used to make the payment so we could open a claim and get my money back. I sent AFFIRM all the proof I had and they did not provide me with a refund and it has been a year. I submitted a claim with my bank and AFFIRM took the money back and sent me to collections wrongfully even after I showed them they owed me a refund. The airline has now after a year sent the money back to AFFIRM and I have contacted AFFIRM to ask for my refund and all they tell me is : Our system is having issues when we try to send you the refund. ( they " escalated '' the issue XXXX different times ) and they have not gotten back to me nor have they sent me my refund or even processed my refund. They said the escalations team was going to get back to me within 24-48 hours and they have not done so. Also the loan still shows charged off when IT should have not been and especially now that they got the refund from the airline