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

in accordance with the FAIR CREDIT REPORTING ACT ... XXXX  ACCOUNT # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure their servers and were vulnerable to a hack that allowed my personal sensitive information to be accessed along with information of millions of others.
Product: Payday loan

Hi I 've been getting calls from XXXX different companies stating i owe money from several payday loans i never even applied for. XXXX of them is highpoint assets XXXX thats their phone number. I spoke with them numerous times and told them that I never took out any loan of such kind. They stated it was XXXX different loans that round up too XXXX dollars. The agent told me what could i counter offer him and I was just in shock of what I had just found out. Never in my life have a ever taken out a payday loan and now 3 years later I get a phone call stating i took out XXXX payday loans from 2012. It just doesnt make sense to me. I told them to mail me a validation of debt letter, he said he could email it to me quicker, i said thats fine but i would still like to receive it by mail. Im still waiting on that. In the end i told them that i was going to the police to file an identity theft report because i know i never took out these loans. They said thats fine and to make sure to fax them the police report once its done. The second company that called me scared quite a bit. It was a guy named XXXX calling from XXXX XXXX XXXX. This guy was stating I took out XXXX different loans worth XXXX dollars and if i didnt take immediate action that i could be charged with bank fraud and have my drivers license suspended. He said that he could get rid XXXX of the loans and i would just have to pay XXXX dollars. I told him this is news too me, never in my life have i ever taken out a payday loan. I explained to him that i need this to be investigated because i know for a fact that someone has stolen my personal information. He said he would help with the investigation but that i would need to provide him with my debit card number that we could start our settlement and this wouldnt be taken to court. I feeling vulnerable and scared gave him my debit card number but after i did more info later that day i called my bank and had them cancel out my old card and supply me with a new one. I honestly dont know what to do. I know i never took out these loans. Should i file a police report for identity theft? Or should i just ignore these calls. I was stupid enough to give high point asset my current email and last XXXX of my social. I just want this to end. Its been an annoying month receiving calls from these people.
Product: Checking or savings account

My purchase at XXXX XXXX on XX/XX/XXXX was declined so I wasnt able to get my groceries but they still charged me. It was XXXX dollars, I contacted Chase and they issued a temporary credit, but then reversed it.
Product: Vehicle loan or lease

Santander USA consumer illegally stole my car when the car became a lemon stop working XXXX blaming XXXX for fuel pump failure
Product: Credit reporting or other personal consumer reports

I have two accounts with XXXX. 
1. I've never been late.

2 They have me being late twice in XXXX and XX/XX/year>. 
3. It shows as 120 days late.

You can't be late twice and 120 past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Debt collection

This company is calling and harassing my family members and telling them my personal business
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on 2 occasions to have an investigation of items that are reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as TRANSUNION is using a stall tactic claiming that I was using a 3rd party to submit these requests and that additional authorization was needed. I am reopening my case offering my statement as proof that no 3rd party existed in submitting my disputes. I've recently received notification from this credit reporting agency that the inaccurate information that continues to report has been verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed.

I immediately demand that the entries that I have disputed are permanently deleted from my credit file as they are reporting incorrectly. Should TRANSUNION refuse to do so, I have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Product: Debt collection

Portfolio Recovery Associates contacted me 94 confirmed times by phone using 60 different phone numbers for a debt I never had. I contacted local police, they contacted PRA, PRA ignored them. I hired a lawyer and PRA did not answer the lawyer 's questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to XXXX XXXX creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and AR Resources Inc reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a 0 balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help
Product: Money transfer, virtual currency, or money service

Citibank is where my accounts were hacked. 

XX/XX/scrub>XXXX XXXX XXXX  my checking account was hacked. Hackers changed the email address and password. Put wire transfer feature. Put in 2 new payees. Made 2 wire transfers to their new email account and domestic bank account. The transfer was made by a XXXX XXXX to an account at XXXX. 

He tried a third transfer that was denied. Citicorp denied that one. ( Thank goodness ) The wire amounts were for {$1900.00} and {$2000.00}. 

I reported the fraud of unauthorised wire transactions for investigation and was denied a refund. I appealed and was again denied, even thought Citibank knew that my account had been hacked. Citi said that the wires were authorized. The fraudsters had hacked 2 credit cards the same day. They refunded me on one account but not on the other. 

Citibank has all the documentation to indicate that it was fraud and unauthorised wire transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Conns home appliance Inc. they charged the debt off and closed the account I their system. They have continued to report it to my credit as an open account t and have violated the fair debt collection practices act by attempting to get me to pay a charged off account as well as stated no matter what they law is, the collections will not stop. They also said the government will not do anything about it so I should just get over it.
Product: Prepaid card

I have a Rushcard account, which I opened XX/XX/2015. I have been adding funds to the card without any issues, However, on XXXX XXXX, 2015, I added a total of {$1000.00} to the card XXXX XXXX separate transactions of {$500.00} each ). There is no record of the the reload that I made on XXXX XXXX. On XXXX XXXX, I added another {$500.00} to the card, which is also not being reflected when I call Rushcard 's card services automated line. I called the company on XXXX XXXX and was able to speak with a representative who told me that they were updating their systems and that the system would be working by XXXX XXXX on XXXX XXXX. I checked my balance again on XXXX XXXX, and my balance was still XXXX. I called Rushcard again and spoke with a representative who asked me for all of the numbers on the receipt, including a transaction number. Once I read every number on the receipt, I was informed that none of those numbers were recognized by their system. She then told me to go back to the retail outlet where I reloaded the card to ask them for the transaction number, I did and was told by the store manager that the numbers on the receipt should suffice for Rushcard to identify my reload. I called Rushcard again on XXXX XXXX and told the representative what the store manager said, and at that time the representative told me that she would escalate my complaint. Since XXXX, I have not received a response from Rushcard, and to make matters worse, I have called card services at Rushcard at least 30 times since then. When I press " XXXX '' for a representative, the phone rings once or twice and then I am disconnected. The automated system is still reflecting a XXXX balance on my account.
Product: Debt collection

I have received a letter from Portfolio recovery stating about a refund on an old debt on XX/XX/2021 that was cancelled out by creditor XXXX  XXXX and already have paid taxes on the 1099-c a few years ago. The next day i was alerted to the debt on my credit report on XX/XX/2021 which was completely out of nowhere stating I owed the full amount again as if they reaged it. I tried contacting them but no avail and I cant find anything for an account number on my old debt account of this false derogatory debt owed. the only thing that portfolio have provided was a refund check i never received and it was not an attempt to collect a debt but its on my credit reports? the only thing I can find on it was a charge off that was just recently been placed on my report instead of it being on there when the charge off first happened? why wait almost 4 years to magically place this back on it?
Product: Credit reporting or other personal consumer reports

I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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}
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX - XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Over the past several months I have attempted to resolve this problem with Experian in regard to a Bankruptcy that was matched to my Credit Profile. Experian has ignored my disputes and have always responded that the information is verified. I have found that this is not true and that Experian has continuously notated this account as verified. While doing some information I have found that XXXX XXXX XXXX is the reseller of public record information to Experian. On XX/XX/2024 I called XXXX and spoke with a representative to ask if there were any public records on my credit profile with them and if they provide bankruptcy information to Experian. They confirmed that they do. The Representative from XXXX proceeded to file a manual internal dispute with Experian in regard to the public record listed with them. On XX/XX/2024 I received mail from XXXX that was dated XX/XX/2024 giving me noticed that Experian never responded to there dispute involving the reselling of the information that was false. I have found
Product: Credit card or prepaid card

In XX/XX/2019 I went on XXXX XXXX  and ordered tickets to a XXXX XXXX Concert that would be performing in XXXX XXXX, when purchasing these tickets an additional site appeared for hotel so I began to register for my stay as well however once I completed this transaction and the amount appeared I noticed the total amount was astronomical ( not to mention the length of stay far proceeded the amount of time I would be there ) I immediately began cancelling the entire transaction including the tickets to concert, Unfortunately when I attempted to cancel tickets with XXXX XXXX was lead on a wild goose chase so I turned to American Express ( this is the Credit Card that I had used for said purchase ) Three different times I spoke to AE and they ensured me that this would be disputed especially since I did not receive service from hotel or tickets for concert. After countless attempts to resolve this I finally received a letter advising that although tickets had not been received the cost would not be refunded therefore I would be responsible for this outrageous amount. I once again began disputing and this brings me to you. I am a business owner and I am looking at possibly relocating to another state once I retire and this issue is already affecting my credit negatively. I am asking that you not only investigate the XXXX XXXX and their policies but try and negotiate with American Express to eliminate this debt from my personal credit card account. Thank you for your time and patience.
Product: Mortgage

Since XX/XX/XXXX my mortgage has been serviced by Ocwen. They have never handled my escrow account properly. The first red flag was that it took two months to get Ocwen to acknowledge my property insurance policy number. On XX/XX/XXXX, after numerous unsuccessful calls from both myself AND my insurance agent I finally had to make a three way call with Ocwen and my insurance agent to prove to the Ocwen agent that my XXXX XXXX XXXX WAS accepting calls at the number I gave him. 
Twice a year, they mail a letter to me requesting that I send my actual property tax bill in an enclosed return envelope, by a specific date. I am never sure if I will receive this letter at all, let alone on time. If and when I do receive the letter, nowhere on the envelope or in the return window does it state that it is from Ocwen or that it is regarding a time sensitive issue from a mortgage company. As far as business practices are concerned there is no good reason to do this. Excluding the business name on the envelope makes it appear no different than junk mail. 
Since XX/XX/XXXX I have been asking Ocwen why they choose to exclude their company name on these envelopes and they will not answer the question. 
I have always paid my bills in a timely manner and have a great credit record. I can pay property tax and insurance on my own without these issues. I sent a request for escrow account waiver XX/XX/XXXX and have not received a response about that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXXAccount # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXXAccount  # XXXXAccount name : XXXX XXXX XXXXAccount # XXXXAccount name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Accojnt # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXXwas properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX NOT PROVIDED XXXX XXXX XXXX XXXX XXXX XXXX Names For your protection, names are typically not disputable online. Please for assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX Account number XXXX XX/XX/XXXX {$560.00} XXXX XXXX Account number XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX