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

This is my several times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. My information has been exposed in the Equifax data breach. I also included the Police Report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Product: Mortgage

I already filed a complaint with CFPB on XX/XX/21 regarding inaccurate information on my credit report from Bank of America HELOC. The initial complaint stated I made a payment for {$1000.00} in XXXX and that payment was never withdrawn from my bank of account, never recorded as being paid by B of A, and a 30 day late payment was reported on my credit. Since this complaint was filed, I received an email on XX/XX/21 from XXXX XXXX, a resolution specialist at Bank of America Enterprise Resolution. The email stated I needed to respond to her email by XX/XX/21 to confirm I had made the complaint. I emailed her a response on XX/XX/21 or XX/XX/21 and on XX/XX/21. I also called and left a voicemail on XX/XX/21 and XX/XX/21 at the extension listed in her email, XXXX, and was connected to a voicemail inbox of XXXX. I have not heard back from her after I have made this several attempts to contact her to confirm my complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX Credit reporting Improper use of your report RESURGENT CAPITAL SERVICES L.P . 
XX/XX/2024 Closed Company responded Since you are not willing to provide me, anything showing why i should do business with you, I am giving you10 days from today to provide me with the original documents, transfer of debt for receivables, or any documentation you can provide showing me what reason we have to do commerce or delete all negative marks from my credit report.

Govern yourself accordingly!
Product: Money transfer, virtual currency, or money service

I have an issue with a transaction that was made to XXXX on the XXXX of XXXX concerning a refund. I placed the order at XXXX and didnt receive anything, so I contacted the store ( multiple times ) and was told after I had the order canceled that I would be refunded back. Yet, I did not receive my money back for an order I never received. I would like to have this transaction disputed! Thank you, kindly
Product: Checking or savings account

There was fraud on our account with " in-person '' purchases from XXXX. We have not been to XXXX and did not make the purchases. Chase bank first removed the charges ( XX/XX/XXXX ) but later added them back ( XX/XX/XXXX ) because my wife said that she did not lose her bank card. 

It's a shame that we have to educate bank executives but essentially, thief 's use shimmers to collect XXXX chip data and then load that info on to blank ( magnetic strip ) debit cards which can be used at certain retailers. XXXX XXXX & XXXX XXXX put out a security report on how this is done. XXXX XXXX & XXXX XXXX opened XXXX bank accounts in the XXXX ( all major financial institutions ) and then did the hack on XXXX of the bank cards. 

The bottom line is that XXXX chips are not secure and when fraud occurs, customers are not responsible to cover the funding of criminals who steal money. 

Cracking the Uncrackable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ATTENTION TO XXXX XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2, 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 AND CRIMES WHICH ANTEDATES THE REPORT BY 7 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: Debt collection

I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Midland 's Funding continues to violate my consumer rights and is attempting identity fraud by using my information. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. PURSUANT TO : 15 USC 1692c I am invoking my specified remedy as a consumer, and the original creditor I am also demanding deletion from all consumer reports and request confirmation of this remedy in writing within 15 days.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Let this complaint serve as notification that I do not wish to be contacted about this debt that does not belong to me. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. This included furnishing unvalidated data to the consumer reporting agencies. 

Be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, CFPB, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, XX/XX/2020, XX/XX/2020 and myself or a debt repair agency has tirelessly disputed incorrect information on my credit report. In XX/XX/2020 I disputed a late payment with XXXXXXXX XXXX the creditor agreed to waive the late fees which caused the balance and the account was left with a XXXX   balance. I have tried unsuccessfully to have the late payment removed from my credit report I even provided proof from the creditor that the changes were reversed. The account is still reporting negative on my credit report. I have disputed with all three credit bureaus and always come back as verified when disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX XXXX XXXX Balance {$0.00} Inquiry : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2007 the XXXX account went into collections due to my XXXX and XXXX   XXXX stemming from my military service during the XXXX war era. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.
Product: Credit reporting or other personal consumer reports

Debt Validation Requested As per my rights under the Fair Debt Collection Practices Act ( XXXX. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe. 
An explanation showing how the amount was computed. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not exceeded the statute of limitations ( XXXX ) period. 
Evidence that XXXX is a licensed debt collector. 
Evidence of XXXX license numbers and registered agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX  and not reporting accurate information regarding account with MOHELA as current and open. 

The account is being reported as closed with MOHELA which is inaccurate information regarding the CRA.
Product: Debt collection

At XXXX on XX/XX/17 a number that I no longer own was contacted by Midwest Service Bureau . The representative asked for me, and the person that answered the phone said she was not with me.  The rep tried to gain a valid number, and the person that answered did not provide the requested information. The representative asked if she was my wife, and she said yes. This woman is my ex girlfriend, not my wife. The representative released what company she worked with, my first and last name, last known street address, the amount in collections, and that it was a collections account. There was no verification before releasing this information, only " Yes '' when asked if she was my wife. The rep proceeded to try to bleed money out of my ex, and she felt personally insulted with the things that were said. After reviewing the company 's XXXX  page, I am not the first person this has happened to. This situation is sickening.
Product: Credit card or prepaid card

I purchased 2 giftcards on XXXX  from the store paypal digital gifts, a subsidiary of paypal. 

The cards were both {$100.00} XXXX giftcards on sale for {$95.00}. 
Card # 1 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX Item number was XXXX and the XXXX transaction ID was XXXX. 

Card # 2 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX   Item number was XXXX and the XXXX transaction ID was XXXX. 

Emails for both cards were sent to XXXX and were discovered unopened on XX/XX/XXXX. When opened, the emails contain a link that says View My Code. When that link is clicked one is taken to a page on paypal.com/gifts that says the link is no longer valid and states to Call PayPal Customer Service at XXXX. That phone number feeds into an automated loop of paypal info with no live person or system to navigate. 

On XX/XX/XXXX I spoke with paypal customer service. The man who answered stated that NO emails would have ever come from XXXX, that my order number didn't exist, and that there were no transactions that matched my record. His supervisor, XXXX, stated that she could see the order but that they had no way to regenerate the giftcard. 

The item I purchased was an egift card. This was not delivered to me. What was delivered was a link to the item I purchased ( but not the actual item ). There is no mention that that link would expire and no indication that one needed to download the card right away. The terms and conditions linked in that email state that the funds on the card do not expire.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation.

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?
Product: Debt collection

I recently check my credit report on XX/XX/2021 and notice some collections from CREDIT BUREAU CENTRAL , INC D.B.A. CBC RECOVERY, LLC for some alleged debts of {>= $1,000,000}, and XXXX that i do not owe. I sent them letters on XX/XX/2021 requesting for documentation of the alleged balances, as of yet I have not heard anything from them.I also have attached copies below for the records. this is stressing me out and causing my credit score to decrease.
Product: Checking or savings account

Starting around XX/XX/XXXX of this year someone started using my card. At first i thought it was my girlfriend so i didnt pay it any mind, but when i noticed that the transactions were getting higher I decided to confront her and she said it hasn't her. I looked into it and decided to report them as fraud because we couldnt find my card. I reported this to capital one and after making me wait 45 days they said they denied the claim because i logged in multiple times, even though i explained to them multiple times i thought it was my girlfriend. Now i lost about {$3200.00} because they refuse to hear me out. The claim ids are XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXXE, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am following to make a complaint against XXXX XXXX Regarding multiple overdraft fees. I incurred. Despite having sufficient funds when transactions was authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting the persistent denial of an investigation by TransUnion for the third time in XXXX! This company has developed policy that violates the consumer laws. TransUnion is supposed to initiate a dispute with a creditor regarding the completeness or inaccuracy of ANY item on my credit file directly with the company on my behalf who has applied unauthorized information on my credit file. Various inquiries appear on my credit file that were unauthorized by me on XX/XX/XXXX and XX/XX/XXXX. I have written letters to TransUnion as well as contacted the financial companies to initiate a dispute, however TransUnion is refusing to do its job to contact these financial agencies directly to initiate a dispute and remove these items within 30 days from my credit file, or at lease provide me with a written response after their investigation. I spoke to another representative in XXXX on XX/XX/XXXX after receiving a letter from TransUnion which explains their explanation of Inquiries on my Credit Report but does not offer a resolution towards a dispute of unauthorized inquiries. Therefore TransUnion is directly working against me as a consumer by not removing unauthorized items from my report and not conducting an investigation of the same.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I'm composing this elaborate message solely out of my pit of frustration built up over the course of nearly 3 years. I completed and submitted a borrow defense application almost XXXX years back, and yet all I'm greeted with is a deafening silence. As per my knowledge, XXXX XXXX XXXX is included in the list of institutions approved to annul loans from borrowers ' credit on account of the dissemination of misleading information. However, the mystery remains - I'm yet to hear even a XXXX whisper about my application. And here 's what's truly ridiculous - my loans were initially sanctioned for a deferred payment plan that stretched up until the year XXXX. However, much against my convenience, my loans have been sold off to Mohela. Mohela is currently on a relentless pursuit to claim payments from me, which is absolutely uncalled for. To add fuel to the fire, despite my consistent efforts to reach out to XXXX just to XXXX well check the status of my borrow defense application, I'm continually met with a brick wall. My concerns and queries seem to go unheard, and I can not, for the life of me, receive a legitimate reply. To cut to the chase, I'm seriously XXXX off and intolerably frustrated. This has been a colossal mess to deal with and the lack of communication on your end does nothing to alleviate my concerns. It does the exact opposite, in fact. I hope that this message will promote a swift and appropriate response to my frustrating and stressful circumstances
Product: Checking or savings account

A bank of America account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I was contacted about a balance I owed on this account and paid it. I tried opening a checking account in XX/XX/XXXX and was denied due to being in XXXX XXXX. I again contacted BOA and informed them that I paid it, I even sent records. I also had a transcript from XXXX XXXX requested and they are listed. In XX/XX/XXXX, I am still being denied a checking account due to this issue. 1 it has been paid, years ago and not updated. 2. It has been over 5 years and this definitely should have been removed by now. This is the second report I requested from XXXX XXXX and they both have 2 different report dates listed.
Product: Payday loan

On several occasions I have submitted certified letters to company Mariner Finance regarding incorrect information on my credit file. I called and spoke with a representative in XXXX and ask that they provide me with proof that this debt in question belongs to me. Representative stated original company went out of business and filed were lost in the process of being reassigned. I followed up by contacting the corporate office regarding this error and The company has failed to respond and provide proof ( signed contracts ) of said debt. This is incorrect info does NOT belong to me and is ruining my life!