23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I noticed a charge on my XXXX XXXX XXXX checking account in the amount of {$1000.00} in the name of XXXX. I refuted the charge with my bank, they agreed this was a fradulent charge, they had seen it happen a number of times and were aware this was an issue with XXXX. Elevations changed my bank account numbers and requested the {$1000.00} back from XXXX as a case of Fraudulent transaction. XXXX returned the {$1000.00} and " Locked '' the XXXX account associated with my name, recognizing this was in fact a fraudulent transaction. 1 Year later ( XX/XX/XXXX ) I received a letter from a collections agency XXXX Credit Corp Solutions Inc located in XXXX, UT ) stating I owe {$1000.00} from a XXXX account they now owned. I contacted XXXX and they state that because the {$1000.00} was put on a prepaid debit card before my bank was able to contact them and report the fraudulent transaction, and because the bank requested a return of {$1000.00}, the XXXX account continued to reflect a - {$1000.00} balance. Although they acknowledged the transaction was fraudulent by locking the account, they still left the balance. No communication was sent to my email, or my phone ( both of which XXXX has on file to this day ) regarding the negative amount. Not at 30 days, not at 60 day, not at 90 days, not at 180 days ( which is the cutoff date for " reporting '' fraudulent activity ) although " locking '' the account was, for reasons unknown, not considered a " report ''. The only notice I received was from Credit Corp Solutions exactly a year later stating they now own the account and require payment. XXXX is unable to do anything because the account was sold. XXXX is also unable to remove any of my personal information ( they confirmed my address, email, phone, old bank account numbers and SSN were kept for history and/or record keeping ).
Product: Credit card or prepaid card

I just called to activate my new XXXX XXXX credit card from XXXX XXXX and the representative told me on the phone that my account was closed and a letter will be sent in the mail. This has never happened before and I am completely embarrassed to have been treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is destroying my credit score by reporting my lease as late to Experian, XXXX and XXXX XXXX. I made arrangements in XXXX with XXXX to extend the lease the lease terms due to Covid related financial hardships. XXXX assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has XXXX been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted XXXX 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to XXXX on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.
Product: Debt collection

I have 2 collections accounts that are not mine on my XXXX  credit report as well as my XXXX and XXXX credit reports. Someone opened up these accounts in my name without my knowledge or permission. The accounts are XXXX XXXXXXXX {$1900.00} /account number : XXXX Date opened XX/XX/2022 Amsher collection services $ XXXX XXXX Date opened XX/XX/2022 Original creditor XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, along with experian and XXXX to verify that the account XXXX XXXX XXXX XXXX ( XXXX ) is 100 percent correct and free from inaccuracies. They verified the account XXXX to be accurate. But when I looked on my report there is inconsistent data across the three bureaus being report for this account, including the balance, open date and last active date. 



In accordance with the Fair Credit Reporting act XXXX Account # ending in 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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on UNITED WE COLLECT INC XXXXXXXXXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

On XX/XX/2020, my XXXX was compromised by a person unknown to me named XXXX XXXX and the suspect was able to send themselves over {$1500.00} before my bank SANTANDER detected the fraud and immediately shut down the card. After receiving the email notifying me of the fraud, I spoke with a customer representative who told me they were immediately suspicious of the large amounts of money coming out of my account and I will receive the money that was stolen from me within 10 days of the theft. I did receive all of my funds back and was extremely pleased but then things took a turn for the worse when SANTANDER sent me a letter stating that the merchant XXXX XXXX XXXX XXXX was correct in the theft that was conducted! I have been going back and forth with SANTANDER to determine what kind of an investigation was done to come to the conclusion that this thief had a right to access my money and I am only given the run around! They have left me no choice but to file a police report which I have already done. I plan on sending a copy of this report to the SANTANDER FRAUD DEPARTMENT and hopefully you can help me in some way!
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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. XXXX  failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX   places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.
Product: Debt collection

I continue to get called for my ex husband. I have advised this company that i have no communication with my ex and that we have been divorced 17 years. They continue to call me and my daughter who is XXXX years old. They refuse to remove our numbers. My ex 's name is XXXX XXXX XXXX XXXX.
Product: Mortgage

Despite my previous complaint and Penny Mac 's assurances that it would correct my property address, it has failed to do so. 

My property address has been XXXX XXXX XXXX # XXXX XXXX, MD XXXX since I purchased the home in 2007. 

When Penny Mac acquired the loan they recorded the address incorrectly. 

They refused to correct it on my old loan until I filed a complaint with the CFPB. 

Now, they refuse to correct it on the new loan. Despite multiple requests, CFPB staff refuse to record the correct address on the new, recently refinanced loan. 

The Penny Mac representative that handled the first CFPB complaint told me he would correct the address on the new loan beginning with XXXX. I have made multiple requests to the customer service team also. None have been acted upon.
Product: Credit reporting or other personal consumer reports

The information on my credit report does not belong to me and did not have authorization to to my personal information her are the account listed XXXX XXXX XXXX inquiries that were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have filed a complaint. Experian was contacted and I received ANOTHER reporrt # XXXX with so called " results ''. They give ZERO explanation as to HOW these disputes are verified. I have sent them on three different occassions ALL the bankruptcy paperwork showing that items have been DISCHARGED 2 years ago and that I am NO LONGER responsible for debt, including  XXXX and XXXX is well aware because they have reported it as such on XXXX  and XXXX  and yet EXPERIAN CONTINUES to allow this to be reported as an OPEN AND ACTIVE ACCOUNT and THAT is NOT CORRECT. I WANT THIS FIXED! I AM SICK of asking, I am sick and tired of doing my part and sending all the paperwork and being IGNORED!!!! I have done EVERYTHING that you and the FAIR CREDIT REPORTING ACT have said to do and I get NO WHERE! I WANT THIS GONE NOW!!!! I am going to continue to fight this as long as it takes until SOMEONE does SOMETHING to make it RIGHT! PLEASE take this seriously and do not allow a company like EXPERIAN to get away with report FALSE information. IT IS UNFAIR!!!
Product: Credit reporting or other personal consumer reports

The credit reports show a public record on my credit that is not mine, I asked the credit company to delete this public record on my report, but it took more than XXXX  days and they didn't send me the investigation, and the account is still on my credit report. Please investigate this ; The Public Record Number is XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was using XXXX on my Chase Mobile App and I typed in the wrong number sending someone {$500.00}. I called Chase immediately after and they were no help. I was told that since the transaction came from my mobile device they were not able to do anything about it.
Product: Credit reporting or other personal consumer reports

Im submitting today to inform the credit Bureaus I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$3200.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX 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

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621. 
The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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 wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Product: Mortgage

We are requesting the following information from First American Title Insurance Company in writing. 
1st- We signed a Note and Deed of Trust at the XXXX Nevada location on XXXX XXXX 2006 for XXXX. What was the date that First American Title sent the original documents to XXXX? 
2nd- how did First American Title send those documents, federal express, USPS or XXXX? 
3rd- for the property located at XXXX XXXX XXXX , did the investor ever cash out the insurance policy that the investor had with First American Title, file # XXXX? 
4th, if so, please provide dates when cashed and to whom was the funds paid too? 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull XXXX XXXX XXXX  XXXXXX/XX/2019 Hard inquiry ( never authorized ) Westlake Service INCXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized )
Product: Debt collection

Mountain Run Solutions purchased a discharged debt from XXXX. The debt was discharged XX/XX/XXXX in bankruptcy court. Mountain Run has been made aware of debt several times via email XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via certified mail from my attorney. Mountain Run Solutions reported date opened as XX/XX/XXXX ( post discharge ) which is not accurate and deceptive, this company has refused to comply with discharge orders and continues to report to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only company that is reporting my credit score wrong. It's no way that my XXXX  is XXXX, but my equifax is XXXX. I don't know what they are doing, but both of my credit scores were the same and Equifax needs to correct my score and my credit history.
Product: Debt collection

I was contacted in late XX/XX/XXXX regarding an amount owed to XXXX XXXX  XXXX. It was explained to the collection agency that I was never on a lease or signed a lease at the complex. I had applied and was turned down. National credit systems Inc, XXXX XXXX  XXXX XXXX, XXXX Ga XXXX has placed {$1700.00} on all three of my credit reports. Information has been submitted showing that I was not affiliated with a lease at the said complex. The information has been disputed and it comes back " verified ''. The most recent dispute filed in XX/XX/XXXX came back as also " verified ''. I spoke with Mr. XXXX at the collection agency. A copy of the lease which does not include my name as the responsible part was sent in. Mr. XXXX stated that I was the guarantor. How can I be the guarantor of a lease if I was denied? I have requested for documentation that proves or states that I am the guarantor. Nothing has been provide and it has been almost a month since the information was requested.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent presence of fraudulent items despite our repeated attempts to address the issue. As we embark on the multiple attempts to rectify this situation, it is imperative that we take decisive action to eradicate these fraudulent activities. 

Despite the resources and efforts allocated to identify and remove these items, it is disheartening to see that they continue to infiltrate our system. 

I urge you to conduct a thorough investigation into the root causes of these persistent fraud occurrences. It is essential that we identify any vulnerabilities or loopholes in our processes and systems that may be exploited by those engaging in fraudulent activities. Furthermore, I recommend implementing robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Failure to effectively address the issue of fraudulent items not only jeopardizes our organization 's reputation but also undermines the trust and confidence of our customers and partners. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXX*********** Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} SYNVS/FD XXXX Balance Owed : {$0.00} XXXX XXXX  XXXXXX************** Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$7200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$3300.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX XXXX Owed : {$670.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$14000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$7200.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

portfolio recovery is now also misreporting on my credit file as the original lender of the account which is 100 % untrue as XXXX is the original lender. the credit report also states that they took ownership of the account starting in XXXX 2015 when the account was assigned to them in XXXX of 2015. they have claimed to be the original collector to many individuals and I am XXXX of those victims. I have proof of this misreporting from my report which I will attach. They report to the bureaus XXXX per month to confuse the FICO system ( which is used in 90 % of all financial decisions and the only score and report that actually matters as we know XXXX about who the lender is and to get it to stay on the report for seven years instead of the original date of delinquency. i have confirmed the error on my report as well as directly with the representative that they do claim original lender with a date of original default in XXXX 2015. the error is still there right now and must be by law, deleted, not adjusted as this is misreporting information and I was turned down for a loan based on having a recent date of original delinquency. This is fairly simple. They are not a lender and I never borrowed money from them. They purchased my account from XXXX XXXX.
Product: Debt collection

XXXX XXXX, 2015 I sent a letter to Rickman and Rickman to validate these debts. I received a reply containing statements that have incorrect information and still unsure about these accounts. XXXX XXXX, 2015 I sent another letter stating I want these debts validated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not hard back from them since the XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes, XXXX 's mailed me a letter dated XX/XX/XXXX, stating they will instruct all three credit bureaus to delete the reference account XXXX from all three credit reports. I have contacted since contacted XXXX 's and opened numerous disputes, in which the account has not been deleted as of XX/XX/XXXX.
Product: Debt collection

( CREDIT COLLECTION SERV ) at ( XXXX XXXX XXXX XXXX, MA XXXX ) has been sending me collection notices in the amount of ( {$650.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax credit report, I noticed some late payments posted on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection any consume reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREIT REPORTING ACT 15USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSION Except as provide in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681 of this title any- ( i ) report containing information solely as to transaction or experience between consumer and the person making the report Delete the above late payments accounts from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account & send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Deformation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC s1692g violation 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 6b civil liability for willful noncompliance [ 15 USC 1681n ]