23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

An ACH debit came into the account ( XXXX ) which there were not enough funds to cover on XXXX XXXX, 2019. The payment was supposed to be returned unpaid but instead Discover pulled money from another one of my accounts as overdraft protection.The problem is I never setup nor agreed to overdraft protection.I asked Discover for proof such as a date that I signed up, a letter, or email confirmation and they were not able to locate any such documentation. I asked them to stop the transfer that was pending but they claimed they were unable to. This was an unauthorized transaction from my account as I never signed up for overdraft protection but all they said was I had to because they can't on there end. This caused other payments where the scheduled to come out to be in jeopardy.
Product: Debt collection

First time I was called on XX/XX/year>, the lady would not take a minimum payment that I could afford. There was not any mention of " interest '' to be paid. I told her I would call back and speak with someone else, because I know they can setup a lower payment than what she would take. I called XX/XX/year> and spoke with XXXX XXXX and he kept trying to tell me that there is interest and that he could get the interest taken off. I tried to tell him there is no interest on medical bills. He insisted there are. This bill came straight from the medical provider. I had him set me up in an agreement and that it would not include interest. I did mention FDCPA and that he really needs to make sure that he is giving true information. I asked that a letter be sent to me, because I have not received a letter from XXXX regarding this debt. I know it is a true debt because I was having a hard time making payments.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX on XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

R.S. Clark and Associates received a debt for {$5500.00} five years ago from an apartment for a broken lease in my name, however I was unaware the debt had been sold until I checked my credit score in XXXX of 2014. I do not remember ever receiving a phone call or letter the debt had been sold to them. I contacted them to resolve the debt in 2014 as well as this year and both times, they tried to talk me into several deals in one phone call, each ending with the original amount instead of any of the deals they were offering. I was unaware it is law that within 5 days the company has to contact you or else I would have disputed the debt when I realized it was on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others? 
Are verbal permissible purposes to a person wise in this time, 2020, of rampant identity theft and fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ongoing ID Theft for the past few years and have had several fraud accounts reported by EQUIFAX I have sent in lots of police reports over the past few years. Equifax has removed and blocked all the fraud accounts. All of a sudden they are all begin re reported by Equifax and every time I call to find out why I get some overseas person who can not tell me what is going on and barley speaks XXXX!! XXXX annoyed that even with a valid police report Equifax will not removed fraud accounts!!! the following accounts were removed and are now back!!! Police know who is committing this ID XXXX and there are warrants out for the person. They will not continue to take police reports on the same issue!!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX KEEPS SAYING THESE ACCOUNT ARE XXXX AND THAT THEY VERAFIED THIS!!! HOW CAN THAT BE WHEN THE PERSON WHO STOLE MY ID IS A WANTED FUGATIVE AND IT HAS BEEN PROVEN TO BE ID THEFT? WHAT PROOF IS THERE THAT THEY WERE TRULY VERAFIED? WHY WERE THEY REMOVED AND BLOCKED BEFORE IF THESE WERE REALLY MINE?.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on LENDINGCLUB CORPORAT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( LENDINGCLUB CORPORAT XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up on my complaint : # XXXX. I had complained against Experian. They have asked for proof of incarceration so I am here to provide that. I was XXXX  from XX/XX/XXXX for 13 months, and didn't get out until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verification incomplete In accordance to FCRA XXXX XXXX  XXXX has violated my rights 15 U.S.C. Sec. 602A states I have the right to privacy. 15 U.S.C. 1681 sec. 604A sec.2 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested a hardship through the XXXX XXXX portal online. It gave me a due date of XX/XX/XXXX. I called on XX/XX/XXXX asking why my account didn't reflect my hardship request. They apologized and asked what happened that I was off from work and I explained my brother just passed away, they said they understood and our condolences. Your account from XX/XX/XXXX to XX/XX/XXXX will be adjusted we apologize for the error and will defer your payments until XX/XX/XXXX at {$260.00}. At that point, I was not XXXX  days late and thought everything was XXXX XX/XX/XXXX I got an alert that I had a XXXX  day late on Experian and XXXX for XX/XX/XXXX and XXXX was showing a XXXX day late for the same time period. I called in and they said it was their fault and would correct it. I disputed through the XXXX credit bureaus and it hasn't been resolved or updated. The notes say one thing when I contact XXXX XXXX about it but the collections department that handles the correspondence with XXXX credit bureaus hasn't corrected this issue at all. All XXXX bureaus said to me when I called in after the disputes is that XXXX XXXX has to correct on their end and let the XXXX bureaus know it's been corrected versus it saying verified as true when it's completely not true. This has caused my credit scores to plummet.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTIY THEFT. A FRAUDULENT ACCOUNT IS ON MY TRANSUNION ACCOUNT THAT MUST BE REMOVED AND BLOCKED. NOT ONLY THAT, MY PERSONAL INFORMATION WAS EXPOSED IN A DATA BREACH, BY THE CREDIT REPORTING AGENCIES. THIS DATA BREACH CAUSED MY INFORMATION TO BE STOLEN. DUE TO MY IDENTIY BEING STOLEN, A FRADULENT CAR LOAN IS ON MY CREDIT REPORT. bLOCK, REMOVE AND DELETE THE FOLLOWING ACCOUNT THAT IS NOT MINE. 

Installment Account/Charge Off Account Name : XXXX XXXX XXXX Balance : XXXX Account Number XXXX Current Balance {$120000.00} Status Collection / Charge-Off Loan Type Auto Loan
Product: Mortgage

Today XX/XX/2022 at XXXX PM I got a call from American Financial Network from XXXX and was told that I needed to call them and upon pressing buttons, I got t a live person who promptly hung up on me after saying " ha ha your going to lose your house ''. Upon calling back after hangup at XXXX PM, a worker for American Financial Network said " XXXX XXXX when you lose your house and are on street with wife will she stay with you ha ha ha. '' I have enclosed completely contradictory letters produced by American Financial Network in the attachment section of this complaint. This cements what the audio phone records show and what I have been saying during original complaint and followup. American Financial Network violates all rules and constantly gives me inconsistent, misleading, and contradictory information. 

There dishonesty and deception is exemplified by their complete lack of transparency and deceptive practices as outlined with the following. American Financial Network asks me to give them information on loans that they had or have with me and when I said that I didn't have anything that they didn't they would be deceptive and not speak to me or work with me honestly and transparently to try and clarify. The loan needs to be dissolved to zero balance because American Financial Network has continually changed requests, terms, and has constantly given me contradictory and misleading information. They have also been predatory and recently had someone from their associate XXXX XXXX servicing come to my house and demand that I give them {$5000.00} cash in order to keep my house and avoid foreclosure. XXXX XXXX XXXXXXXX and American Financial Network should be stripped of their rights to lend and sell on the secondary market.
Product: Debt collection

I have been violated by JPMCB on XX/XX/2020. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you take appropriate action to investigate and remove them from my credit report.
Product: Checking or savings account

XXXX XXXX bank of America has allowed fraud to be committed with my credit, in fact, This past Sunday on XX/XX/2023. 
I just received 3 emails from Bank of America in forming me that they just received multiple applications with my social security number and credit information to open up XXXX. Bank accounts. 
XXXX tried reaching out to Bank of America XXXX XXXX Monday the next day XX/XX/2023 and I was refused service by multiple employees I spoke. With them on the phone as well as I spoke with the find department and I spoke with many other different departments. 
Over the phone to Bank of America customer care and fraud department an issues and I was also refused help and assistance with this issue and they also hung up. In my face multiple times when I asked to speak to a supervisor in inform them that I was going to have my attorney get involved in this immediately they. Still refused me and. 
Refuse to help me in any way and just left me on hold when I told them that I was adding my attorney to this issue immediately.
Product: Debt collection

Someone used my information to get a rental and its affecting my credit report XXXX Amount : {$7600.00} Ive tried to get courts Involved to report identify fraud
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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: Student loan

Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request.

I am not refusing to pay my student loans nor denying that I signed a promissory note. 

I have been sending in letters to the Georgia student finance company and sending dispute notices to all 3 credit bureaus.

when I dispute the information, your agency adds on more late payments and states it's been updated. 

Your agency is reporting that been XXXX. I was 60 to 180 days late. This is default status. I was not that many payments behind. I contacted your agency and someone dropped the ball by not updating my approved /forbearance..

If I was that behind. I am requesting all correspondence during this time period of statements and deferments/forbearance. 

There is no way I was 180 days past due and was not reported to the default company. 

Again, I am not denying that I signed a promissory note that I owe student loans. What I did not do is signed any documents that your agency report inaccurate information to my credit report. 

If you agency is going to report to our credit report, then you have to follow FCRA regulations. 

15 USC 1681s-2 - states that you have a duty as a furnisher to provide accurate information to the credit reporting agencies. Reporting inaccurate information with knowledge errors is illegal and must be modified or deleted. 

unfortunately, your agency has been notified my mail 2 times and I have previously submitted a CFPB complaint. The information was correct and updated recently adding on more late payments. 

These late payments is affecting my character and is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage account was transferred from Bank of America to XXXX in XX/XX/2018. At that time we were 30 days late. The status for the Bank of America states it is PAYS 31-60 DAYS. This status is causing our credit report to show a current delinquent account. We accept that the XX/XX/2018 status should show 30 days late ; however, we respectfully request that this account be updated to show the current status is Closed or something to that effect. 

Ive added my full credit report as well as a screenshot of another account from XXXX XXXX that was late when it was paid off but shows that it is now closed. They just fixed it and it went from showing as a delinquent account to closed.
Product: Credit reporting

There are remnants of tax lien ( s ) that have been released still showing on my TransUnion credit report. XXXX did update and remove these ; " As of XX/XX/XXXX, you have no public records on your credit report. '' released liens ( released on XX/XX/XXXX ) but TransUnion has failed to do so as well, after successive requests to them requesting update/removal of these outdated derogatory entries.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance {$200.00} XXXX XXXXXXXX Balance {$390.00}
Product: Debt collection

This company is misrepresenting the time this debt first defaulted and became collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin. 

In a separate complaint this company agreed to remove this account from my credit report. It was simply removed from my XXXX credit report, but added to XXXX. I am now submitting a second complaint to ask for it to be removed from XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unverifiable account on my report. I've submitted XXXX rounds of certified, and notarized dispute letters and they state the account is verifiable but have not submitted the proof. Its been over XXXX days Since XX/XX/2021 since my second round of dispute letters.
Product: Student loan

I went to XXXX University where I applied for Federal Financial Aid and was granted grants and Loan. After graduation XXXX XXXXI was contacted by American Education Services claiming payments with threats to sue, I end up paying to be left until XXXX when I found out that I wasn't paying for the Federal Student loan instead I was paying for a private student loan that I never took. My first complain against XXXX  XXXX XXXX was denied because they said they didn't issue a loan on my name, they were investor on the National Collegiate Trust. 

XXXX XXXX XXXX provided me the National Collegiate Trust phone number and I tried unsuccessfully contacting them. I never took a private student loan at XXXX University, they need to refund me all payments I made since XXXX after graduations received on their behalf by American Education Services.
Product: Credit reporting or other personal consumer reports

I noticed fraudulent accounts on my credit report and I immediately notified the credit bureaus of this. I quickly sent them copies of my correct information along with the identity theft report, It has been 60 days and they are still reporting the fraudulent information and they have not investigated it.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from Regional acceptance for {$17000.00} in XXXX. 

I have not been behind on any payments. The car was towed from my apartment complex due to not having a parking permit. The tow truck driver wanted {$2000.00} dollars to get the car out due for sitting for a few weeks in XXXX of XXXX. 

Regional Acceptance found out and took the car from the tow truck driver. They now have placed a repossession on my credit report and sent in a letter stating they are going to sell the car. I am not behind on any of my payments and have not defaulted on the loan. Yet they are selling the car.
Product: Credit card or prepaid card

When I signed up online for the American Express Blue Cash Everyday card, American Express offered me 0 % interest for 15 months on balance transfers. Thus I transferred a {$5000.00} balance from other credit cards. Now, after the balance transfers have been completed and a 3 % transfer fee has been added to the amount, American Express says that introductory offer was declined. They claim there was a pop-up window during the card application process that let me know the offer was declined. There was no pop-up window on my computer, nor any other notification ( email, letter, etc. ) that would have let me know the offer was declined. If I had known at the time of application, I would not have applied for the card.
Product: Credit reporting or other personal consumer reports

Called Experian XX/XX/2024 requested they send me information as it to who verified the accuracy of the bankruptcies on my credit report and they hung up on me called back the other agent said XXXX however there is no public record of a bankruptcy na me submitting the information from XXXX XXXX  is not enough to remove it. Refuse to provide information.