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

I was recently contacted by an occupant of a address I used to receive mail at, when I was homeless. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by XXXX, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Debt collection

This Company CREDIT MANAGEMENT COMPANY Is Not Licensed & Bonded In The State Of Georgia To Collect Any Alleged Debt From Me This Is Against The Law. This Account Needs To Be Removed From My Credit Report Or I Will Have No Choice But To Pursue Further Action On This Violation. I've Contacted The Debt Collector An Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Liquid Signature & They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading & False Accounts. Under 15 U.S. Code 1692d- Harassment And Abuse I Have Been Harassed And I Now Have Trauma & This Account is In Violation. Under 15 U.S.C 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 1.Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you CREDIT MANAGEMENT COMPANY that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; 2. Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I requested that XXXX, XXXX, and Equifax reinvestigate the following accounts : Account name # XXXX, Account name # XXXX, Account name # XXXX, and Account name # XXXX. However, they have responded that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the relevant sections of the Fair Credit Reporting Act ( FCRA ) that you mentioned. These sections state that you have the right to privacy, that consumer reporting agencies can not furnish a report without your written instructions, and that consumer reporting agencies can not include certain types of information in a report, such as criminal convictions that are more than seven years old. 

I hope this is helpful. Please let me know if you have any other questions. 

Here is another way to say it : I have disputed the accuracy of the information on my credit report with XXXX, XXXX, and Equifax. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information that is incorrect includes the open date, date of last activity, and other information. 

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to investigate disputes and modify or delete inaccurate information. I have provided the credit reporting agencies with all of the documentation that supports my dispute. 

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.

I am requesting that the credit reporting agencies reinvestigate my dispute and modify or delete the inaccurate information. I am also requesting that they send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Date of InquiryXX/XX/2024, XXXX  XXXX Date of Inquiry XX/XX/2024, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 & XXXX XXXX  Date of Inquiry XX/XX/2024
Product: Credit reporting 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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. Account Name : XXXX XXXX XXXX ( original creditor name, XXXX XXXX XXXX XXXX 2. Account Name : XXXX Account Number : XXXX 3. Account Name : XXXX Account XXXX : XXXX 4. Account XXXX : XXXXXXXX XXXX ( original creditor name, XXXX  ) 5. Account XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 6, Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 7. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX 8. Account XXXX : XXXX XXXX Account Number : XXXX 9. Account XXXX : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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. 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.
Product: Checking or savings account

Attn : Office of the CEO I was traveling overseas and had access to my mobile banking. I checked with their agents today and XXXX is not a blocked country. However, I could not log into my account and called customer service to try to unblock. Despite multiple verifications ( of which a fraudster could not accurately have access to ), my access was not enabled. I wanted to transfer funds from one of my accounts to another to cover a pending item. Despite numerous calls and attempts through automated system, etc. I was not able to. 

They advised that the only way to resolve was to go into a branch upon my return to the USA. I like in Georgia now and they do not have branches. To make matters worse, I was charged overdraft fees for those accounts ending in XXXX and XXXX totaling {$45.00}. 

I am requesting a refund of these fees as I had funds available to be transferred but their agents would not help me through the multiple avenues available. 

This was a terrible experience and where common sense should overrule procedures. Asking someone that has verified very detailed questions about the account to come to a location from overseas is absurd.
Product: Debt collection

From XX/XX/2017 to present, I have told XXXX XXXX XXXX and TSI that I did not owe this debt and I wasn't paying this debt. The services provided by XXXX XXXX XXXX XXXX XXXX XXXX and its doctors was sub standard to say the least. I will not go in to detail because this is a private family matter. Do you pay for service you weren't satisfied with? Neither do I. Please stop any and all communications with me.
Product: Debt collection

Set up an payment agreement to pay and remove off of my credit report. Opened in XX/XX/XXXX closed beginning of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX Finance/Personal XX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions Im Im Im sorry sorry for 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code Subchapter III 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. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX  Texas Laws Dear CREDITACPT, I am writing to address the blatant violation concerning unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair and accurate reporting of consumer credit information. Identity fraud laws, such as Texas Penal Code Section 32.51, also underscore the severity of unauthorized access and misuse of personal information.

I assert with absolute certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, resulting in potential harm to my creditworthiness and showing disregard for both federal and state laws.

I demand that CREDITACPT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be regarded as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes.

Obtaining consumer consent is not a discretionary choice but a legal requirement under the FCRA, Texas state law, and identity fraud provisions. This communication is a demand for compliance, not a negotiation, to protect my rights as a consumer from unauthorized and harmful credit reporting.

I expect your immediate attention to this matter and anticipate that CREDITACPT will swiftly rectify these violations, ensuring full adherence to both federal and state regulations. 

Done in good faith.
Product: Credit card or prepaid card

Black Hawk Network has lost {$800.00} of my money. 

I purchased four {$200.00} [ {$800.00} total ] MasterCard gift cards from Black Hawk Network in XX/XX/XXXX. 
On XX/XX/XXXX I attempted to make a purchase at a grocery store using each of the 4 Black Hawk Network gift cards. 
All 4 purchases were declined with a " Not Authorized '' message displayed on POS terminal.

I immediately checked the balance of each Black Hawk Network gift card using the phone number & website on the back of the cards.

All 4 cards ' balances were XXXX dollars. 
The merchant confirmed that the purchases were declined and no money was charged to the Black Hawk Network gift cards. 
I waited 2 days for the funds to be automatically returned to the cards. The funds were not returned. 
On XX/XX/XXXX I called Black Hawk Network to ask for assistance. They instructed me to file a dispute and told me that I will receive a dispute form by email. 
On XX/XX/XXXX I received the dispute forms after calling Black Hawk Network again to request the dispute forms. 
On XX/XX/XXXX I submitted 4 dispute forms ( 1 for each card ), photographs of all cards, and an explanation of the declined transaction & disappearing money problem to Black Hawk Network by email. 
On XX/XX/XXXX Black Hawk Network verified by phone that no additional information was needed from me to process the dispute. 
On XX/XX/XXXX Black Hawk Network advised me that their investigation will take 90 days and that they may not return the {$800.00} they lost to me. 

This is a wide-spread disappearing money problem showing the " Not Authorized '' message ( declined transaction ) involving specifically Black Hawk Network MasterCard gift cards at many different merchants. 
Please assist me in requesting Black Hawk Network to send me four {$200.00} replacement cards. Thank you.
Product: Checking or savings account

Wells Fargo has frozen all funds due to alleged suspicious activity. There are no illegal transactions being performed. They refuse to release my funds although they have decided to close my account and deny all access to the account via online banking, atm, etc. It is XXXX and I am not able to do anything for my children as they have claimed to not be releasing my funds until after XX/XX/year>
Product: Vehicle loan or lease

TD AUTO FINANCE, has made it impossible for me to pay XXXX the options to do online have been disabled they are charging me fees not letting me use my bank or business account I try to call and =the hold times are over 2 hours and then they hang up they are threatening me on payment buytif I cant go online icant get f=diferment either its a company account any way please help all I want to do is pay
Product: Mortgage

On XX/XX/XXXX I submitted a request to my mortgage company ( PNC Bank ) to close the escrow account. After many calls and follow-ups, I finally received a letter on XX/XX/XXXX indicating my escrow account can be closed but I have to pay a fee of {$1100.00} for " closure fees '' and submit a consent form. I signed the form and sent it back to the bank via mail as requested. On the night of XX/XX/XXXX at XXXX EST, I called and spoke to XXXX XXXX PNC requesting information regarding the fee they disclosed and where in our document was this acceptable. The lady on the phone, after several minutes of review, indicated she couldn't find the clause in the documents that allowed them to charge me this fee. I requested her to have someone call me and drive me through the document as to where those fees were agreed upon in our document. So far, I have not heard back from the bank and I don't want to delay more the closing process. I just want indication as to what we agreed upon is correct and that I'm to pay those fees. If that was not the case, I shouldn't be charged for that.
Product: Mortgage

My Mortagage was transferred to Gregory Funding from XXXX XXXX. I paid the XXXX payment to XXXX on XX/XX/2021. On XXXX the mortgage along with my payment was sent to Gregory Funding XXXX I gave them the XXXX statement stating I was on time with my XXXX Mortagage payment. I also gave Gregory Funding my bank statement. Gregory stated after I file the first complaint in XXXX that they would resolve this issue. As of XX/XX/2021 this matter is not resolved and now Gregory finding states that Inwas already late with payments when the loan was transferred to them. This is not true and has been proven otherwise. XXXX XXXX has contacted Gregory to resolve this but they have been unresponsive. Meanwhile, Gregory has charged me {$600.00} i late fees and now states that my loan is 2 months behind. I dont know how To solve this. According to Gregory I am XXXX months behind. This is matter than should probably be resolved by the Federal court system since Gregory is still charging me 7 % interest and I cant refinance with FHA since they are reporting my loan late. I have proven my case and my previous Mortagage company is in agreement with me. Please help me this company refuses to help me after promising me and your agency that they would
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One will not even respond back to me that I did not make this Inquiry/hard pull.