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

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report, as they were established without my knowledge or consent due to a data breach. This request is made in accordance with 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : 1. XXXX Account No. XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX Balance : {$7600.00} 2. XXXXXXXX XXXX XXXXXXXX Account No. XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX  Balance : {$4900.00}
Product: Credit card

I bought a pair of XXXX sunglasses for the price of XXXX from Macys on XX/XX/2023 and I returned them on XX/XX/2023. I have the return receipt but the refund never posted to my Macys credit card. It has been 11 months since Ive been dealing with this matter. I have spoke to many people in the customer representative department and I have contacted there executive department. I have been told there is no record of my return transaction.
Product: Debt collection

Encore Receivable Management has been contacted three times in writing and twice by phone to cease communication except by mail. They continue to do so, repeatedly, sometimes as soon as fifteen minutes after contacting them by phone. Have asked for verification according to FDCPA rules and have received nothing except a blank itemized paper ( you owe us $ xxx amount ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft andfraud within 4 business days of you recieving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan opened at XXXX XXXX on XX/XX/XXXX under account # XXXX and a Personal Utilities account opened at XXXX XXXX on XX/XX/XXXX under account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$18000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX, Account Number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly 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 account without my written instructions.

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

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

I called my mortgage company XX/XX/XXXX to make a payment as i was having troubles making a payment online through their website. I was told by a representative that i could make a partial payment of my total balance of that month and that i could make the payment difference by XX/XX/XXXX to not receive a 30 day late report on my credit. I attempted to make this payment by the XXXX while on vacation but was unsuccessful again with their online site. I called customer service to make the payment and opted to receive a call back because the automated system said there was wait times were longer then usual. Because ive done this before with this company and have received a calls back, but this time i didn't. I never received a call back for XXXX hours and when i did it was the automated system asking me to call them back. So i did and after going through verification i was told it was after business hours and i would need to call back the next morning which was difficult as I was leaving on a flight that night out of the country. I was not able to call and i was still having trouble making this partial payment of the difference on their website while out of the country so was left with any other choice but to contact upon my return. I called again as soon as i return to the states as i got off my plane before my next connecting flight, and spoke with a representative who was very rude and continued to cut me off as im explaining the situation and after confronting her about raising her voice she yelled and said " I could talk to you however i wanted '' and hung up on me when i requested to speak to a supervisor. I called AGAIN right after this to continue to make the phone payment, and then a representative informed me that partial payment should not have been taken in the first place and that's not how the company operates. I request to speak to a supervisor again in hopes to make my payment and hopefully get some resolve with the credit reporting, and was told i would receive a call back within the hour. I did not receive a call back once again. Upon finally returning home i call again and this representative also confirms that no partial payments should have been taken and that i was given wrong information and i proceed to make the with them as days have gone by of no returned phone calls from supervisors and it is only hurting my chances of fixing my credit further. The representative ensures me that i would get a call back within the hour, and AGAIN this does not happen. I have finally spoken with a supervisor today who was very kind but says they couldn't reverse or update the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. XXXX XXXX  # XXXX. XXXX  XXXX # XXXX. XXXX  XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX XXXX  XXXX # XXXX Department Of EdXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXdept of education # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

They have charged overdraft fee XXXX times in a roll in XXXX day. Each one was {$35.00}.
Product: Mortgage

I filed chapter XXXX bankruptcy many years ago. 
Chase never showed up at court and never affirmed the debt. 
They are in the process of collecting documents to modify the loan but yet start foreclosure while we are in the process. 
This is just wrong since that would make myself and my Mother, who is suffering from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX  Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was pr

operly investigated, bu t how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Collection was removed and reappeared on my account sold to a new collection agency. By law my personal and sensitive information was sold to a third party company without my consent and now is being reported to my credit report without my consent with this showing I have found several accounts in my name made fraudulent. With these also not being my accounts and created with fraudulent documentation. These accounts are In Violation of the FCRA protecting consumers. You are Now in Violation and I am now suing all credit reporting agencies. For defamation of character.
Product: Checking or savings account

I've been having problems maintaining my account due to XXXX. I am still on CARES ACT XXXX. Therefore I am politely, yet sternly demanding all {$210.00} collected from me in overdraft fees from XXXX be returned to my account or risk losing me as a customer. I've been with WF for some months and I wish for it to stay that way. You guys make billions every year in overdraft fees alone and to be quite honest I hope legislation will happen within the next few years that require you guys to not charge more than a certain amount per day/ transaction. I have a kid to raise and bills to maintain, please don't get in the way of that.
Product: Debt collection

This is the second attempted complain I'm reference to XXXX XXXX XXXX. Reporting an alleged collection debt {$750.00} as open on XX/XX/XXXX. Original creditor was indigo credit card services account was open on XX/XX/XXXX, balance of {$300.00}. Indigo charged off/written off balance and close the account on XX/XX/XXXX. I do not owe a debt that has been charged/written off correct?
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 1XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Vehicle loan or lease

On XX/XX/year> I purchased a vehicle from XXXX XXXX XXXX in XXXX XXXXXXXX Oklahoma. 
The vehicle was sold to me with leaks that were undisclosed to me prior to purchase. 
I while the vehicle was in service for repairs I contacted the lien holder by phone on the XXXX of XXXX on this call I was told my income reported was retired. I told the man over the phone that I was not retired he explained it may be an input mistake. I asked at that time if I could have a copy of all documents I am allowed to have that relates to the loan. They only sent a copy of the contract for the loan. No copy of the application nor the service contract that was purchased with the loan. 
I have made several requests for the paperwork specifically stating I wanted to see the loan application and to this day I have not received it. 
Nor have I received a copy of all the phone calls I requested from the first call they made as a welcome call to the last one on XX/XX/XXXX.
Product: Debt collection

" Portfolio Recovery Associates '' is calling me every single day from different telephone numbers for the last 8 months. 
To today I have counted 233 phone calls from XXXX different phone numbers in the last 8 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2021, I mailed Equifax, XXXX and 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 recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Apple Card Gs bank usa, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX verified an account on my credit report as valid with out the proper documentation and just lie about the status of this account with a balance of {$1700.00}... 

XXXX. I contacted XXXX XXXX and they inform me they sold the account XXXX to Resurgent Acquisitions LLC and they stated clearly that this company has paid the debt in full and I don't longer own XXXX XXXX any sum of money and anything from now and forward need to be handle with Resurgent Acquisitions LLC XXXX. I contacted Resurgent Acquisitions LLC true the phone number ( XXXX ) XXXX and indeed they inform me they had bought the account XXXX from Upstart Loan and had paid the " {$1700.00} '' balance in full and now and forward I need to make any payment to Resurgent Acquisitions LLC .... 

XXXX. I requested the signed bill of this transaction, sold/bought of account XXXX from bout company and also true XXXX and ALL OF THEM HAVE FAIL TO PROVIDE ME WITH THIS DOCUMENTATION XXXX. XXXX JUST LIE ON THE VERIFICATION OF THIS ACCOUNT, THEY DONT HAVE ANY PROPER SIGNED BILL OR DOCUMENTATION FOR THE SOLD AND BOUGHT OF THIS ACCOUNT XXXX XXXX. UPSTART LOAN IS STILL REPORTING ERRONEOUS AND FALSE BALANCE ON THIS ACCOUNT .... THEY WHERE PAID ALREADY IN FULL BY Resurgent Acquisitions LLC
Product: Credit reporting or other personal consumer reports

Disputed unauthorized credit inquired with Experian, but was advised to submit identity theft report. 
1. XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 2. XXXX XXXX XXXX : XX/XX/XXXX 3. XXXX : XX/XX/XXXX ; XX/XX/XXXX 4. XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 5. XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 6. XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 7. XXXX  : XX/XX/XXXX ; XX/XX/XXXX 8. XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX 10. XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX 11. XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I paid this card in full. I am currently considering purchasing a new car however I have been waiting for my credit score to go up. 
As of the XX/XX/XXXX I noticed that they were/had not reported the payment to the credit bureaus ' while the other 7 cards that were paid the same day had. I call Barclays and asked them why they hadn't reported it and they said they would on the XXXX. On the XXXX, today, I checked again and call Barclays and we told that they don't report until the end of the billing cycle. I know for fact that is false, I have another card with the them that showed paid in full right after payment. 
When questioned and escalated to a Manager I complained and asked for a letter today to be faxed to me to state as of today, XX/XX/XXXX that the account was paid in full, they again refused. 
Barclays can not pick and chose who and how they report when this is a case of adverse reporting. 
I would like to file a complaint as to the business practices in respect to the fair reporting act.
Product: Credit reporting or other personal consumer reports

Hard inquiries from the same institution showing more than one time : XX/XX/XXXXXXXX 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 Not recognized hard inquiries : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADVANTAGE CREDIT, INC ADVANTAGE CREDIT, INCXXXX 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, credit repair services, or other personal consumer reports

I have requested for some accounts be investigated and this investigation took well over 30 days, and is actually still in dispute.
Product: Credit reporting

I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit XXXX. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and XXXX times, they sent a letter back stating the account is correct and will remain on my report.
Product: Money transfer, virtual currency, or money service

Hello, I don't have the exact time and date but I have the history of my sending list I can provide it once the case has been filed thanks. 

Ps. I opened XXXX back XXXX  years ago I hope this helps
Product: Mortgage

Purchased home in XXXX 2013. Bought specifically for potential equity position in rapidly growing and valuable area. Put 5 % down knowing that in a few years my home would be worth enough to justify PMI removal. After requesting PMI removal in XXXX this year, it was denied because I had XXXX late payment while I was out of the country and my servicer did not have online capabilities and I could not phone. they would not waive this late. Due to this late, I was instructed to start the process again in XXXX this year. The only method of contact for my servicer 's PMI department is email. They have no phone number and no one to contact, just have to email and hope. After several emails, I received a letter saying the removal was denied bc my home was not at 80 % LTV. It is in fact at 75 % LTV and even that tax recirds indicate so. I sent in a dispute and have followed up weekly for six weeks with no action form my servicer. I have spent countless hours on the phone and have sent numerous emails, the most recent being a " fifth and final request '' in the subject line and within the body stating that I was going to seek external assistance, which I am doing now. 
My PMI is $ XXXX/month and so far I have spent an extra {$3000.00} annually on this insurance that no longer applied to my credit terms and by my servicer 's determination I have paid an extra {$560.00} because of their lack of action ( the discrepancy there is due to the date I think the PMI should have been removed VS the date they claim )
Product: Mortgage

I currently have a home loan with my ex husband with PHH Mortgages. We filed for divorce and in the divorce decree he became liable for the home and paying the payments. He ended up missing XXXX payments which effected my credit fairly substaintailly. when I became aware of the late payments, I ensured that the account was up to date and have since. I presented to them that I have the legal documents that he is obligated to make the payments each month and that I am not responisble for the payment. I asked them to remove the XXXX dings on my credit and they would not. I offered to present the paperwork and they still would not. The home is now being sold. I even filed with XXXX as a discrepency and they would not remove it. I would have never let these become a late payment. I was not even notified as they had all of his information in the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the credit reporting acts the list with the account below have violated federally protected consumer rights to piracy and confidentality under 15 usc1681 section604 also states can not change account without my consent all my negative accounts on my experian transunion need to be deleted asap I would like my credit report to be cleared and all my negative account deleted thank you very much.