23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Morning of Thursday, XX/XX/2024 I entered web domain XXXX entered family surname credentials access number, and entered the web portal containing profile information for checking account to notice a name error attached to family surname that is incorrect.I am writing to correct name error attached to family name on checking account. The initials displayed are incorrect! The intials displayed are XXXX. where as my family gave me intials XXXX for banking credit purposes, such as acquiring a fire-arm and the full name is hidden which would be a denial of a fire-arm. I own a XXXX XXXX XXXX XXXX XXXX XXXX that is attached to propper initials as a XXXX XXXX XXXXXXXX This complaint is for a more clear solution to an issue addressed without a response as of this morning.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  To Whom It May Concern, I am writing to file an dispute regarding the incorrect reporting and unlawful transfer of my account to XXXX XXXX XXXX, as well as to demand an immediate and thorough investigation of the actions taken by XXXX XXXX XXXX XXXX. 

The account listed above has been transferred to a third-party debt collector without my knowledge or consent, and the account status continues to be reported inaccurately. I have made several attempts to resolve this issue through the credit bureaus and with the creditor, but these disputes have been routinely and unlawfully verified, without addressing the critical errors or providing proper documentation. 

Issues with this Account : Unauthorized Transfer to a Third Party : XXXX XXXX XXXX XXXX sold my account to XXXX XXXX XXXX  without my consent or prior knowledge. This constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires creditors to notify consumers before selling their debt to third-party collectors. 

FCRA Violations ( Fair Credit Reporting Act ) : Section 1681i - Reinvestigation Violations : Despite multiple disputes regarding the status of this account, the credit reporting agencies have repeatedly verified the information without conducting a proper reinvestigation or providing any supporting documentation of the sale of the debt or the validity of the reporting. I have received no evidence of a legitimate process to prove this account is accurately reported. 

Section 1681c - Time Limitations on Reporting : The account is marked as a collection, but the original creditor did not provide documentation proving that the debt was validly transferred or legally owed. According to FCRA guidelines, if this account was charged off, it should not remain on my report indefinitely and must follow the correct timeline for reporting, which has clearly not been followed here.

Section 1681s-2 ( b ) - Duties of Furnishers of Information : Affirmation by XXXX XXXX XXXX of this debt is an unwarranted continuation of inaccurate information. The lack of proper documentation supporting this account is a direct violation of the FCRA. This collection entry is inaccurate and unlawful, and I demand an immediate deletion of this account from all credit reports.

Inaccurate Reporting of Account Status : The account is marked as collection with no valid record of payment history or documentation supporting the accuracy of the amount owed. As a result, this has unjustly damaged my credit report and my ability to obtain financing. There is no legal basis for the account being reported as a collection under the current circumstances, and I am demanding immediate removal.
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Acount Name & Numbe ), has violated several el my rights. 
15 U.S.C 1681 section 602 A. Clearty states that 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 acsount without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an apen-end consumer eredit plan as late for any purpose.

Remove these late payment
Product: Credit reporting or other personal consumer reports

ATTN : CFPB RE : Inaccurate Reporting XXXX XXXX XXXXXX/XX/XXXXXXXX  I XXXX XXXX am filing this complaint against XXXX XXXX for reporting information inaccurately on my credit report. 
According to15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

According to 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

According to 15 U.S. Code 1692e - False or misleading representations, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
This is in reference to an account with XXXX XXXX  beginning with # XXXX. I have provided proof of the inaccuracy attached to this claim. I have contacted XXXX XXXX XXXX numerous times, and they refuse to remove this inaccurate account from my credit report. This also is a violation of my Privacy under the Privacy Act of 1974. Experian, XXXX, and XXXX are non-affiliated which violates 15 U.S. Code 6802. XXXX XXXX hasn't furnished a copy of my wet signature giving them permission to share my information with any non-affiliates. XXXX XXXX also hasn't provided a contract between us. 
This debt is a certificate of indebtedness and has been discharged. Income isn't supposed to be listed on a credit report. XXXX XXXX filed a 1099 to discharge the debt and failed to send me my 1099B copy from the IRS. This is security fraud and I request compensation.
Product: Mortgage

In XXXX of 2023 we missed a mortgage payment. We then entered into a repayment plan in XXXX of 2024. All payments for the repayment plan were on time and can be proven with bank statements, confirmation numbers, phone call logs, company website, and letters from the company. The repayment plan was set to end in XXXX. When we went to pay our mortgage in XXXX the lender stated we owed them XXXX times the amount of our mortgage due to the fact that we didnt pay for XXXX or XXXX and the repayment plan was nullified. We have been in communication with the lender since XXXX of 2024 trying to get this issue fixed but they are saying they didnt receive our payments even though our bank shows they took the money. Now that we are having this issue they will not let us pay our mortgage for XXXX or XXXX until we pay for XXXX and XXXX.
Product: Vehicle loan or lease

My last complaint was closed against my satisfaction. Credit Acceptance is a predatory lending company that relies on pages and pages of jibberish designed to confuse already stressed car buyers. Credit acceptance knowingly partners with car sales companies that hide major mechanical issues in the vehicle from any sales disclosure. Then they charge additional fees on top of outlandish finance charges. All this predatory lending practices are targeted at people who are already in trouble financially! this is a predatory company that should be reported to federal authorities for sanction.
Product: Debt collection

On XXXX/XXXX/2016 I contacted the XXXX to help me obtain a letter from Dynamic Recovery Solutions to have an inquiry on my XXXX credit report removed. 
When I contacted Dynamic recovery solution they would not allow me to have any information involving the account because the social security numbers do not match, therefore how is the account mine if I can not access it due to the social security numbers not being a match. I have not owed any outstanding debts involving my credit in over 7 years, therefore Dynamic recovery solution had no grounds to access my credit information and it should be removed. 
Although this matter on my credit report is somewhat resolved, I would like the proof ( who the client is ) that hired DRS to perform the inquiry. Again, I have not had any outstanding debts over the past 7 years and according and to Section 213 ( 2 ) of the CPLR it states that the statute of limitations to commence an action upon a contractual obligation or liability, express or implied, except for residential rent overcharge, certain transactions described in the Uniform Commercial Code, or warranties on new homes, must be brought within 6 years after the cause of action accrued. This statute of limitations includes all " consumer credit transactions, '' such as credit cards, and is calculated to run from the date of the last transaction ( either the last credit purchase, or the last payment made, whichever occurs last in time ). 
The purpose of contacting CFPB on this matter is to reveal how Dynamic Recovery Solutions did not abide by Section 213 ( 2 ) of the CPLR, in which DRS should be very familiar with considering the nature of the business. Furthermore, DRS still has not provided any proof as to whom hired them to inquire about my consumer credit report to the XXXX. And on the letter they emailed me, it clearly has the wrong social security numbers. I hope CFPB requires DRS to produce the proof leading them to obtain my consumer credit report, which is the whole purpose of this complaint. DRS is a company that could get anyone 's information at their fingertips, and should be investigated for not following guidelines. I pray that CFPB thoroughly investigates this matter and is able to help in aid to put DRS in some type of violation of code due to this kind of intrusion of my personal information. Federal law strictly regulates who can obtain a copy of your credit report. The Fair Credit Reporting Act ( FCRA ) lists the " permissible purposes '' for obtaining a person 's credit report and I believe DRS did not rightfully have one. 

Regards, XXXX XXXX XXXX
Product: Debt collection

I did not consent to this account and I also did not give anyone permissible purpose to open this account. Nor did I gain anything from this account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and was excited to start working on building my credit. After checking my credit report, I am confused why there is a derogatory mark on my credit history and 9 hard inquiries. I have never in my life applied for credit. The fraudulent account is XXXX XXXX XXXX with the amount of {$140.00}. AND THE NINE HARD INQUIRES 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
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 XXXX : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 derogatory marks on my report from XXXX, that went into collection. That arent my mine. I never had an account with XXXX in my past.
Product: Credit reporting or other personal consumer reports

Dispute of Civil Liability for Negligence Reference to Section 16810 I hope this letter finds you well. I am writing to formally dispute the claim of civil liability for negligence. As per Section 16810, I understand the criteria for civil liability in cases of negligence, and I firmly believe that the circumstances surrounding the event do not meet these criteria. Given the facts of the situation, I respectfully request that this claim be reviewed thoroughly and dismissed based on the outlined reasoning. If necessary, I am willing to provide further documentation or clarification to support my position. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan

I 've been getting letters from loan places. I got a loan once, and ever since I 've been receiving letters saying I owe I payed so I figure it was paid for but I keep getting letters saying their was a new loan that was n't me
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to you today to request your assistance in resolving a serious matter that has caused me significant financial harm. I am the victim of an employment scam that has resulted in my bank accounts being frozen, and I fear that I may also be the victim of identity theft. On XX/XX/2023 im am disputing a number of things first a check that was cleared and then reversed without being told in real time by the criminals for {$4700.00} that was fraudalent. 2nd that both charges be immediately dropped for XXXX and XXXX and that MY money {$2500.00} is finally freed and available and this case is closed. its simple the disputes are dropped for obvious reasons and all proof provided and MY money prior to ALL this is returned and freed NOT some provisional credit thats gone on for 7 weeks now and my funds being frozen.

This sophisticated scam has affected me for more than 7 weeks now, and I have filed reports with all governmental regulatory agencies, including the FBI. I have provided all documentation to support my assertion, including proof that I was hired via email, sent an offer letter, and received a check that cleared by my bank but was then reversed in real-time without my knowledge. 

During this process, I was instructed to send personal funds for office equipment for my remote office to 'vendors, ' which I now know were criminals impersonating high-level executives at a global billion-dollar company. All emails, XXXX Teams, IP addresses, bank accounts, and more can be traced, and I have attached all relevant documentation to this letter. 

As a result of this scam, my bank account went into negative, and I was instructed to send personal funds as well. My bank account is now frozen, and I have no access to MY money. This dispute has gone on for far too long, and I am suffering the consequences of this employment fraud. 

This scam is so viral that major job sites such as XXXX, XXXX, and XXXX have put " Beware of '' in certain job descriptions and specifically stating they would never ask what the criminals did of me. I can attach this as proof as well if need be. 

I am reaching out to you today to request your assistance in forwarding of my proof, all documentations of my case, and my legal rights. I will employ legal aid to assist in this matter as well. I urgently need your assistance in resolving this matter as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are committing identity theft, they are using my personal informatiomn for their monetary gain. per 15 usc 6802 through 15 usc 6805. 
As well the financial institutions that furnished the information to the credit reporting agencies never gave me a chance to opt out of them reporting my personal information therefore id like to take this time to officially opt out of the Accounts listed in the attachment.
Product: Checking or savings account

XXXX XX/XX/2023 I disputed XXXX worth of transactions for bad services the employees at the business were rude and had very poor customer service and the name on my ID didn't match the name ont the card or the receipt I signed my card said XXXX and my last name I'd XXXX and I told the card holder and the still haven't issued me a new card I lost my my card recently and they told me they couldn't issue me another one and my phone got stolen and now they used my virtual card and got XXXX and the people at thrift couldn't have asked the person for id I have a discrimination case against the XXXX
Product: Money transfer, virtual currency, or money service

We were alerted via XXXX that our Wells Fargo account had a fraudulent charge of about XXXX $ at a XXXX XXXX ( I think- cant recall the exact name ). My husband was taking the call on his XXXX and after being advised by the caller apparently, from wells fargo, that we were on a recorded line, he proceeded to inform us that not only was there a fraudulent charge on our acct but also that there were numerous charges that needed to be addressed in order to not lose the money in question. Turned out to be a lot of money XXXX XXXX I took the phone from my husband and began to do what the banker advised. It wasnt until some time into the conversation that I realized something isnt right. After much manipulation he managed to obtain my husbands information from his phone including his XXXX XXXX  and banking information and managed to withdraw XXXX XXXX That is pending with XXXX fraud claims with Wells Fargo. The following day it appeared that he opened an unauthorized bank account under my husbands name. At the same time that I realized I was being scammed, I hung up and immediately called Wells Fargo. They informed us that it wasnt them on the line prior. Within minutes, my husbands phone and XXXX XXXX shut down and when they came back up, all information was wiped clean of the devices and the XXXX XXXX rendered useless as it was placed into lost mode. Nothing can be done to retrieve that watch. I was able to obtain an email address that manipulated my husbands phone. That is XXXX. The phone log shows the incoming call but is, of course, no longer in service. That number is XXXX. I am in process of taking the necessary steps to protect our information as Im afraid he has my husbands ss # and maybe mine as well. Thank you so much We want our money put back in our accounts. My kids accounts were also affected by this scam. All withdrawals, and there were several, are all showing as pending so idk if the money actually ever went out of the accounts because we called Wells Fargo immediately upon realizing that we were being scammed
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is putting information onto my consumer report without my written consent which is a violation of my consumer rights. I have sent them mail and called them over and over again to try and get this resolved. In the letter i have attached it shows the accounts and inquiries, also giving them instructions on what i am demanding them to do with the accounts. These three companies have a job to do and that to make sure everything is supposed to be reporting fairly and accurately, according to the FCRA. Reporting negative information that I didn't give consent on is not reporting accurately or fairly.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account with XXXX ending in XXXX. This account and balance do not belong to me. A removal letter is attached.
Product: Credit card

I can not sign into my online account so that I may manage my credit card account. I have called the credit card companies Customer Service department many times in the last 2 months and my issue is still not resolved and they will not give me any kind of timeline in which it will be resolved or what they will do to resolve the issue. I do not feel safe using my credit card if I can not track my account online myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted several complaints with each bureau due to their lack of investigation or none AT ALL. At this point each bureau is in extreme violation and I am keeping stellar record of this and will be taking legal action if not resolved with a consumer attorney. Please refer to the previous disputes filed under complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX smart sales and XXXX XXXX and experian is reporting different last active dates which is causing this account to re-age and this is a major violation and its being ignored. This needs to be removed immediately. 

XXXX or XXXX XXXX has not even been investigated AT ALL removed this are face legal action. Remove immediately. 

Please consider this my written authorization and attached is proof of my identity.
Product: Money transfer, virtual currency, or money service

Dears kindly we're making this complaint for TRUIST BANK as our bank XXXXXXXX XXXX is trying to communicate with Truist bank via the appropriate wire channels since XXXX 2023 but they didn't respond till now kindly the USD WIRE INVESTIGATIONS OUR REFERENCE is XXXX XXXX we need a respond to XXXXXXXX XXXX regards