23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

About 3 weeks ago, I found out that people have been living off our bank account for at least 2 years, maybe 3. We have been dealing with hackers and the Man in the Middle attack. They are reusing check numbers, taking money left and right using the names of places I frequent like XXXX, XXXX  or XXXX. I discovered over {$3000.00} stolen in the last 60 days. 

My bank is Golden1. They know about this but will do NOTHING to get to the bottom of this. We've been with them for over 20 years. I've begged for an investigation and they won't do it. I've had about 10 different credit cards given to me by them this year because they keep getting compromised. I firmly believe there are people at 2 of the banks I go to that are behind this. We even changed bank account numbers and that failed. 

I've written the FBI, gone to law enforcement and nothing. Law enforcement tells me they don't do hacking or fraud. 

I don't feel safe and am scared everyday. I don't know where to turn. Please help us!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC due to their continued reporting of inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues, Equifax has failed to take the necessary steps to resolve them. I request your assistance in ensuring compliance with the FCRA. 

Below are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX This is not my legal name, and I request its removal from my credit report. 

Accounts Reporting Inaccurate or Incomplete Information : XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. 

XXXX XXXX  XXXX Account # XXXX The information related to this account is inaccurate. Please investigate, and if the account can not be verified, remove it as required by the FCRA. 

XXXX XXXX XXXX XXXX Account XXXX XXXX This account is reporting incomplete and inaccurate information. Under the FCRA, I request that it be investigated, and if not verifiable, it must be removed. 

XXXX XXXX XXXX Account # XXXX The details on this account are incorrect. Please investigate, and if the account can not be verified, it should be removed in compliance with the FCRA. 

XXXX XXXX  XXXX XXXX Account XXXX XXXX The information on this account is incomplete and inaccurate. Please investigate, and if it can not be verified, I request its removal. 

XXXX XXXX Account # XXXX This account contains inaccurate and incomplete details. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. 

XXXX XXXX XXXX XXXX, XXXX Account # XXXX The information on this account is inaccurate and incomplete. Please investigate, and if the account can not be fully verified, it should be removed. 

XXXX XXXX XXXX Account # XXXX The account is reporting incomplete and inaccurate information. If the details can not be verified, I request that it be removed under the FCRA. 

XXXX XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. If the information can not be verified, it must be removed. 

XXXX XXXX XXXX Account # XXXX This account is incomplete and inaccurate. Under the FCRA, I request an investigation, and if the information can not be fully verified, it should be removed. 

XXXX XXXX XXXX Account # XXXX The information on this account is incomplete and inaccurate. If the details can not be verified, I request that it be removed as per the FCRA. 

XXXX XXXX XXXX Account # XXXX The account contains inaccurate and incomplete information. Please investigate, and if the account can not be verified, remove it under the FCRA. 

XXXX XXXX XXXX Account # XXXX The details on this account are inaccurate. If the information can not be verified, I request that it be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is not a verification dispute. XXXX/GLELSI Account # XXXX is old and is reporting 14 years on my credit report. 

XXXX/GLELSI is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX/GLELSI actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. USDOE/XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. USDOE/XXXX  has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old USDOE/XXXX  Account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this accounts from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX  XXXX XXXX Balance Owed : {$350.00}
Product: Credit reporting or other personal consumer reports

I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 
The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX transunion and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my Mortgage Servicing was transferred to XXXX XXXX XXXX servicing My new Act. # was XXXX. I was previously under a forbearance with the prior servicer XXXX XXXX  Act. # XXXX. I contacted XXXX by phone i Early XX/XX/XXXX. I was due to make first trial payment on a flex modification which had been offered with XXXX and was told by XXXX Loss Mitigation that I could not make a payment before all of the paperwork transferred. XXXX also would not honor the previous Flex Modificaiton for which the first payment was due. I was told a new Flex Mod. would be offered by XXXX. I was also told there would be no negative credit reporting for 60 days under the RESPA Act. so there was time to get everything on track. On XX/XX/XXXX they offered the modification with the and my first trial payment was made on XXXX XXXX The due dates of trial payments were as follows : First payment : {$1300.00} by XX/XX/XXXX Second payment : {$1300.00} by XX/XX/XXXX Third payment : {$1300.00} by XX/XX/XXXX All payments were made prior to due dates. 

Despite the Respa protections and despite my being in the process of receiving a federally backed Flex Modification due to hardship caused by coronavirus XXXX reported the loan as 120 days past due for the Months of XXXX, XXXX and XXXX of XXXX, This reporting is counter to the requirement of the Cares ACT SEC. 4021. CREDIT PROTECTION DURING COVID19. This Act states that during the period of an Accommodation a borrowers account shall be reported as current the text is below.

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current I am attaching the Modification Offer, a copy of 4021 of the cares act and my Credit Report. I am also sending the final paperwork completed in XXXX of the successful Modification.
Product: Debt collection

TRIDENT ASSET MANAGEMENT - THEY PUT NEGATIVE CREDIT REPORT OF {$210.00} UNDER MY CREDIT. WHICH THEY ARE STATING ITS MINE WHEN AT THE TIME OF ACCOUNT OPEN I WAS ONLY XXXX  YEARS OLD. I ALREADY TRIED DISPUTING THIS PROBLEM AND ITS STILL REPORTING AS NEGATIVE ON MY CREDIT HISTORY.

THEY HAVE THE WRONG IDENTITY. ITS NOT MY DEBT.
Product: Credit reporting

This item is inaccurately reported on my report for a while now under public record as a satisfied legal. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it 's inaccurate, they mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature or legal documentation that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX County Circuit Court wo n't give me any answers or access to learn about the account since it 's confidential, they also advised me that the Bankruptcy court does n't report to any credit bureau period. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt/item comes back with different entity discerption. 

the public record info is the following : XXXX County Circuit Court XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX identification # XXXX court # XXXX reported as Satisfied ( so even if correct, why reported negative )
Product: Credit reporting or other personal consumer reports

I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.
Product: Student loan

While recertifying my income, my payment plan was changed from XXXX to XXXX. I requested to change back to XXXX and they have not done it after a few calls.
Product: Checking or savings account

XX/XX/year> Enrolled in an M & T EZChoice Checking account to receive a bonus of XXXX XXXX dollars ( {$100.00} ) after completing required deposit activity. 

XX/XX/year> The routing and account numbers of the account were available via M & T Bank after logging into online banking. Sent a payment to the account from my XXXX, XXXX XXXX XXXX XXXX business checking account. 

XX/XX/year> Received an email about the account being closed. 

XX/XX/year> XXXX M & T Bank customer service XXXX and was told the account was closed and I needed to visit a branch, without further explanation. 

XX/XX/year> I do not have access to the M & T Bank account. The automated clearing house transaction has not returned to my XXXX, XXXX XXXX XXXX XXXX business checking account.
Product: Credit reporting

I was trying to file my 2016 taxes through XXXX and when I attempted to register for that, I could n't because they could n't match my information with the credit bureau. I checked my information that I submitted and I was correct and somehow it was n't matching up. I think this is because I do not have any credit history. Anyway, I then went to the credit bureau that they use ( TransUnion ) and tried to get it sorted out. I registered an account and in the process they asked something about monitoring and it did n't explicitly say that it cost anything and at that page there was no fine print to read about it so I went ahead with it. I went back to XXXX to see if maybe something had changed since I made an account with TransUnion and nothing happened. Eventually I used an alternative tax filing software. In the process of filing my taxes, however, I went to my online bank statement and noticed a hold from TransUnion and wondered why. Then I realized what it was when I remembered that they had asked for a payment and I gave my payment information ( debit ). I still cant access my credit information and they have taken my money. Now I want to cancel whatever I signed up for through their cancellation feature but in order to do that I need to have my credit information match their credit information and it still wont do that. Its a catch 22 and I have no clue what to do other than call them and cancel. They are making it very difficult to cancel what I unknowingly signed up for. Thanks for reading this and have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand by law a company can no longer report after a charge off is paid and this account was paid in XX/XX/XXXX. I financed a XXXX through JPMCB chase finance on XX/XX/XXXX. I live in Louisiana and lost everything i owned including the vehicle in The Great 100 year flood in XX/XX/XXXX. I had full coverage on the XXXX and gap insurance. The truck was deemed to be a total loss and XXXX XXXX was processing the claim as fast as they could being that so many people were impacted. I was in touch with JPMCB Chase Bank and explained the situation and updated them as i was updated. My family including my XXXX  month old daughter were living in hotels and friends due to losing everything. I received a letter from JPMCB Chase stating they were going to put my account in collections in XXXX or XX/XX/XXXX. I called JPMCB Chase  and was informed that XXXX XXXX paid them but there was an outstanding amount of about {$300.00} and it was explained to me what for. I continued to communicate with XXXX and the Gap furnisher and they had no idea what JPMCB Chase was referring to. I contacted Chase and was never given a clear answer and by this time the charge off was on my record and i eventually paid it in XX/XX/XXXX without a clear answer because i was at their mercy due to having to start my entire life over due to The Great 100 year flood. Fast forward to XXXX and when i apply for credit and i get turned down because of a serious delinquency on my credit report. I pull my report and JPMCB- Auto Finance is still reporting to XXXX XXXX XXXX when the account was paid in full under duress in XX/XX/XXXX. I understand by law a company can no longer report after a charge off is paid and this account was paid in XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought products online and paid by PayPal on XXXX XXXX, total purchase {$9300.00}, I never received items and had contracted seller and PayPal many items and never get solve, seller provided tracking number that not belong to my address and PayPal never research on that tracking number, PayPal wanted XXXX XXXX  form from XXXX, XXXX didnt let me have it and XXXX security manager sent email to PayPal about itXXXX security manager name is XXXX XXXX, his ph number : XXXX and his email address : XXXX.
Product: Debt collection

I am being contacted by XXXX Debt Collection on a debt that is not mine. I do not have an account with them. I 've asked XXXX for them to quit calling, however they continue to call and actually since answering the phone, the number and frequency of calls has increased. They call at least XXXX daily.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING ACCT # XXXX AMOUNT {$18000.00} ACCT # XXXX AMOUNT {$5000.00} ACCT # XXXX AMOUNT {$540.00} ACCT # XXXX - The debt collector has failed to provide me with an original contract for the accounts listed above. Account summaries & bill statements are not verifiable documents 1692 ( a ) ( 2 ) Page 97-99, The alleged original contract between the creditor & debt buyer does not specify what accounts theyre transferring ownership of.

Page 100, Declaration of Account Transfer In the lieu of this transfer I was not notified of the debt being transferred from Resurgent to Lvnv funding nor did I sign any contract agreement giving them the right to. If I did they need to send proof of an original contract with all parties signature including mine to verify. 
1692g ( b ) As for LVNV FUNDING ACCT # XXXX AMOUNT {$18000.00} This account has several inaccuracies, from the ending balance to the reporting balance, payments & its open account status. Not only that LVNV Funding has yet to provide me with an original contract signed by all parties including me proving they have the right to collect on this alleged debt.

Under USC 15 code 1692g ( b ) I demand LVNV funding send me proof of the alleged debt to these accounts. I am requesting the Original Purchase Agreement signed by all parties including me, Original contract establishing account with creditor proving the account belongs to me, documents must be signed to be verified.The Original Terms & Conditions of each alleged debt, and the date of the first delinquency with original creditor. Account summaries, bill statements & inconsistent documentation is not verifiable.

LVNV Funding has 10 days to respond to this complaint, not Resurgent, they are not the owners of the alleged debt. According to page 100 the debt was transferred to LVNV Funding from Resurgent Acquisitions. LVNV Funding needs to provide me with the original contract with all parties signature including mine, giving them the right to collect on this alleged debt. LVNV Funding also needs to contact the original creditor to specify what accounts were sold for ownership, the bill of sale on page 97, doesnt specify what accounts are for sale nor do they specify the ones that are being sold. Furthermore LVNV Funding must provide me with an original contract with all parties signature including mine for each account not just one. If unable to verify this is a direct violation of the FCRA & all of these accounts need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

HAVE SOME INQUIRIES REPORTING THAT I DIDN'T AUTHORIZE ON MY CREDIT REPORT., I NEVER GAVE WRITTEN PERMISSION FOR THOSE INQUIRIES TO EVEN OCCUR AND THEY SHOULD BE REMOVED FROM MY CREDIT..
Product: Debt collection

This account is on my credit report. Im not sure exactly what the debt is. But it was sold to a collection company I know have both companies on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not provided me with a way to check on the status of two disputes I have submitted on my credit report : Creditor : WAYPOINT RESOURCE GROUP LLC # XXXX** XXXX and Creditor : XXXX XXXX XXXX XXXX I have attempted to get the status on the website but it sends me in a loop. I log in and then it brings me to another login page again over and over. I attempted to get answers via their XXXX page and they referred me to their customer support number which I called and waited on hold with for 25 minutes on two separate occasions where I was disconnected both times.
Product: Credit card

In XXXX of 2023 I contacted Comenity Capital Bank ( CCB ) in regards to service not renders and requested a removal of a charge in the amount of {$7000.00}. I received a notice from CCB indicating that complaint is last the 60 day requirement. I contacted CCB again and informed them of a communication error. I received indicating that the investigation is closed and charges are authorized. I provided a notice of appeal within 10 days requesting all communication and correspondence to and from the merchant that determined their decision. CCB provided no information or documents. I received the same letter indicating they have received my complaint and then on the same day I received that the complaint is closed. under the authority of law pursuant to The Federal Credit Billing Act CCB is required to act on my behalf and complete a full investigation. This was not done and they ignored my complaint.