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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The adverse item being reported without my permission is a violation of this provision.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. XXXX and XXXX are thus violating this provision by reporting inaccurate information without proper consent. 

Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of relevant sections and limit the furnishing of consumer reports to specified purposes. XXXX, XXXX and Transunion are failing to uphold these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, I have the right to opt out of reporting services at any time, and I am choosing to exercise that right. 


XXXX XXXX / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX charged off XXXX XXXX / acct number XXXX charged ofXXXX XXXX XXXX XXXX / acct number XXXX all ( late payments )
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

Creditor Date of inquiry XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Date of Incident : XX/XX/year> Company Involved : Discover Bank Account Number : XXXX Original Balance in Dispute : {$1800.00} Current Balance : {$2400.00} I am filing this complaint regarding an issue with my account balance and its reporting on my credit file by Discover Bank. As of XX/XX/year>, my account ( Account Number : XXXX ) reflects a current balance of {$2400.00}, which originated from an initial balance of {$1800.00}. I believe this account contains errors and does not accurately reflect my payment history.
Product: Credit reporting or other personal consumer reports

Credit companies, XXXX, XXXX and Exquifax are using my personal information and making it public without my written consent.
Product: Credit reporting or other personal consumer reports

I have several spelling variation of my name. Also there are several unfamiliar and old addresses on file. There should only be XXXX address. There are also old jobs that should be removed.
Product: Consumer Loan

Summit Receivables say I owe them money from a charged off loan XXXX. This is not true as I contacted XXXX who gave me the name of the company they sent my loan to and said they have never heard of Summit Receivables. They are trying to scam me for {$4600.00}. 
This company keeps calling me work and cell number and speaking to me very disrespectfully. This has happened for over 2 weeks They say I owe XXXX {$4600.00}. I contacted XXXX and recieved my formal letter in writing that they turned my information over XXXX and they do not know who these people are and to not give them any information. I sent this company an email XXXX showing that they do not know who his company is and they are a scam. The Scam company Summit Receivables are still calling me and trying to use scare tactics. This is very upsetting and I need them to leave me alone and stop trying to get money from me that I do not owe to them. This company has very hateful people working there. Since I work XXXX and my information was hacked along with XXXX other employees since XXXX did not take care of us, out information is out there for everyone. Please help me and get this fixed. There are so many people going through the same issue and these people need to be taken off the streets and stop trying to scam innocent people. I will be paying my XXXX account through XXXX XXXX, the actual legitimate company. They send emails that are rude and they send fake documents. Again XXXX said they do not know who this company is and I should not be speaking with them. SO they have my personal information and trying to get money to use for themselves. They even asked '' Were y0u even intending on paying this back so you are that type of person? that is so rude. They yelled at me and said you pay us all or nothing. I have seen several emails from consumers saying not to trust them. They called my office left a message saying the payment I made was returned by my bank. I never made them a payment. I had to close my account an few months ago because some scammers were trying to get into my bank account. Thee may be the same people. Nothing was done about it because the addresses and numbers they gave were all fake. This however they have an email address, address and phone number. 


XXXX : XXXX Telephone XXXX Fax XXXX Email XXXXXXXXXXXX Mailing Address Summit Receivables XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX SUMMIT RECEIVABLES, XXXX XXXX XXXX Name GMA INVESTMENTS , LLC Filing XXXX Document Number XXXX FEI/EIN Number XXXX Date Filed XXXX/XXXX/2014 State NV ( Under the name GMA Investments Nevada XXXX XXXX XXXX ) Status ACTIVE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Registered Agent Name & Address XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Person ( XXXX ) Detail Name & Address Title XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

I have been in the XXXX XXXX for over 14 years. Understanding the dynamic of how our DATA is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/2019 I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a XXXX home loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse. 

Additionally, I would like to file a complaint against XXXX but am limited to XXXX companies via this software. Please advise.
Product: Credit reporting or other personal consumer reports

Experian is inaccurately reporting two accounts on my credit report, each tied to incorrect address identification numbers that do not match my actual address. These discrepancies have negatively impacted my credit score. Despite filing multiple disputes with Experian, the inaccuracies remain unresolved, causing ongoing damage to my financial reputation. Experian has failed to meet its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a proper investigation and correct the errors.
Product: Credit reporting or other personal consumer reports

A company called XXXX XXXX offered me a great deal on installing solar panels. They said the first year, I would pay nothing. Also, they said they would manage the project for 25 years. So, if there are any problems, they will fix it for free. The installation was never completed and never operated. They linked me to a bank called Mosaic, which should finance the project. Now, the bank is asking me to pay monthly loans of {$180.00} for 25 years, for a total loan of {$28000.00}. However, XXXX XXXX gave me a fake address and phone number. I don't know where to find them.
Product: Mortgage

I now have the second modification from Gregory Funding and its the first month of a three month program HUD I DO NOT WANT THIS NEW NOTE going from a 30 year mortgage to a 40 year mortgage and they are adding {$60000.00} to my note for being 164 days LATE== this is XXXX XXXX and I want to crure the late fees of {$15000.00} BUT THEY WILL NOT LET ME REINSTAMENT IS MORE THAN {$22000.00} WHY IS THIS= XXXX XXXX XXXX XXXX XXXX Gregory Funding loan number XXXX
Product: Debt collection

Transworld system XXXX has accessed my credit report without proper notice and or cause. I have never done business with them and have asked for validation, verification and signed contracts none of which has been provided to date. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( 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: 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 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
Product: Credit reporting

We resubmitted a complaint because the issue that was previously deleted went back on my credit report. Please delete the judgement off of my credit report once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO IN XXXX I LOST MY WALLET AND IT HAD ALL MY PERSONAL INFORMATION STOLEN. IM STILL TO THIS DAY SEE CREDIT CARDS POP UP IN MY NAME AND I DONT KNOW HOW. I REPORTED THIS PROBLEM TO ALL THE CREDIT BUREAUS NOTHING. THE ACCOUNT SAYS IT IS CLOSED BUT YET IT REMAINS ON MY CREDIT REPORT WHICH IS AFFECTING MY LIFE. I CANT GET A CREDIT CARDS, LOANS A CAR A HOUSE AND IM TRYING TO BUILD MY CREDIT. IT WAS IN THE AMOUNT OF XXXX FOR XXXX XXXX IN XXXX AND THAT WAS THE LIMIT. IT SAID IT WAS CHARGED IN XXXX .IVE BEEN IN CALIFORNIA FOR THE PAST 5 YEARS. THEY SAID THEY WOULD REMOVE IT AND IT JUST SAYS CLOSED ACCOUNT ON MY CREDIT REPORT. ALSO XXXX XXXX   I LOOKED THEM UP I GUESS THIS PERSON TOOK A LOAN OUT FOR XXXX IN KS.ALSO XX/XX/XXXX FOR XXXX XXXX  NOT SURE WHAT THAT IS BUT ITS IN THE AMOUNT OF XXXX ALSO XXXX XXXX IN THE AMOUNT OF XXXX. PLEASE IM JUST TRYING TO GET THIS ALL RESOLVED SO I CAN MOVE FORWARD WITH MY LIFE. I HAVE A XXXX XXXX XXXX XXXX  AND JUST GOT ENGAGED. PLEASE HELP
Product: Checking or savings account

I have a checking account with Chime. When checking balances, the app nor the website show a running total for your account balance. When a company places funds on hold, the money is deducted from my checking account, but when the hold is taken off it is not placed back in my account. Chime just cancels/removes the hold and funds are not added back. Chime told me they were added but when I asked them to send me something showing the balance was added back they failed to produce any proof. Since Chime doesnt show a running account balance I was unable to see the funds added back, but they told me they could see it and could not provide any other proof other than their word. So now Chime has made {$100.00} off of me because they never put the money back in my account. This happened to my friend as well with a hold from the same company as well. Chime took {$400.00} of her money though.
Product: Checking or savings account

Without any prior notice, XXXX XXXX XXXXUMB Bank ( merger ) canceled our health savings account debit card, and blocked access to our funds through their website. We were unable to pay our XXXX premiums and other health related medical and dental bills. They refused to reply to our concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX  was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the negative inquiries on my report. 
1 ) XXXX XXXX  XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX  Original creditor : XXXX XXXX, Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Opened an account with JC Penney while making a purchase in the store in order to receive a discount. Total amount came to {$150.00}. This total amount was paid via electronic issuance from my bank XXXX XXXX XXXX XXXX/XXXX/XXXX. No other purchases were made on this account. Received a statement from JCPenney showing a balance the next month. My thought was that the payment had not been received at the time of the statement generation. Received another statement the next month that included a late fee on the statement. I contacted JCPenny and indicated that they made a mistake and that payment had been made to them. They requested proof of payment which I provided. There was an issue with the account number however, they assured me that they would be able to locate the payment by name/ dollar/ amount and trace information provided by the bank. They indicated that was probably the issue with the delay of application to my account. They removed the fees and a few months later it happened again ... I repeated the same thing and then they removed the fees and made a notation and submitted the account for research. I provided information again and also hosted a 3-way call with my bank. The bank confirmed the payment. I also provided a copy of my statement showing the money being taken out of my account. About 6 more months went by and I started getting collection calls. To each one I told the representative the same thing and provided the same information. Finally I wrote a letter to the CEO complaining and received a call back from customer service. They took the issue under advisement and promised they would resolve it. The collection calls continued and I tried desperately to get it resolved. By this time it had been over a year and JCPenney/ Synchrony bank was negatively impacting my credit as well another account that I had with Synchrony Bank for my XXXX 's account was directly negatively impacted. I received letters from Synchrony Bank informing me that they were lowering my credit limit from the current {$1200.00} to {$800.00} then it went to {$600.00} and now to {$300.00}. This happened each time I paid down my balance. I went back and forth between my bank and JCPenney/Synchrony bank both holding their positions. XXXX maintaining that the payment was made and accepted by JCPenney/Synchrony and JCP/Sync maintaining that they never received my payment and it was still owed. In XX/XX/XXXX/ XX/XX/XXXX I started received collection calls from XXXX XXXX XXXX indicating that they had ownership of this account and I had a balance of {$430.00}. I explained everything to them and provided the same documentation. They said they would note the account and open an investigation. At the end of XX/XX/XXXX I received a letter from XXXX stating they received a debt validation request for the account with copies of the XXXX statements and indication that the debt is still owed. At this point I am not sure who is at fault, Synchrony or XXXX however, what I am sure of is this money came out of my account and was sent and this has been paid and is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not dispute the account reported on my credit report from Chase Bank ( credit card account ). ( I previously disputed the information as incorrectly showing the account as closed on the three credit reporting agencies. ) After I disputed the information originally, the reporting agencies updated the entry to show that the account is open. However, the report still includes a comment that I dispute the information as of XX/XX/2021. Because the information is now correct and I do not dispute the information, I reached out to all reporting agencies and Chase Bank asking that the comment that I dispute the account information be removed. 

Chase Bank provided a non-responsive answer when I requested they report that I do not dispute the account information. XXXX  said there is not enough information so they are asking the creditor for information. Responses from XXXX  and XXXX  is pending. Based on Chase 's inadequate response and the likely response of the reporting agency to ask Chase for information, a complaint to the CFPB seems necessary to resolve this issue.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is misreporting a balance to TransUnion on a charge-off account that was settled. The account is reporting correctly to both XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  and Capitol one as well as all three credit bureaus have my wrong birthdate, these two accounts don't belong to me never had either account. 

My birthday is XX/XX/1963, as per proof of birthday, with me Drivers license and my birth certificate. Please get that stuff off my credit report it is of bad faith and bad will to my credit score and has hindered my prosperity in life Also the closed accounts should be taken off my account as well, they have no balance but, those two closed accounts were actually transferred to XXXX XXXX XXXX and should not be in my account at all, also have done mo inquiries in the past ten years, please stop, this atrosity
Product: Credit card

I purchased a defective product from a company and Bank of America, my credit card company, requested unduly burdensome and impossible-to-obtain proof for me to prove my claim. They failed to protect me from a merchant who is deliberately not supporting their defective product, despite my never being late on a single payment in my 12 or so years as a cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are errors reporting on my credit file