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

On XX/XX/2022 I was communicating with a person who I was friends with on XXXX. I knew this person and had previously worked with them. We communicated via XXXX XXXX, and this person even sent me a video chat to verify that I was speaking to the correct person. I was going to purchase a four-wheeler from this individual and they gave me their XXXX information to send a down payment for the product for {$500.00}. After I sent the payment the person never again responded to any of my requests. After a few days there was a response that this person had been scammed and that the person that was making the requests was not in fact the person that I was speaking to. So I was scammed out of {$500.00} and did not receive any product. The XXXX information that was provided to me was XXXX XXXX at email address XXXX sent on XX/XX/XXXX for {$500.00}. I tried to dispute this transaction as not authorized with my bank at U.S. Bank and they have denied my claim as of XX/XX/2022. I feel as though since I was lied to about who exactly I was sending the money to, that this is in fact a scam and should be protected against from others in this situation.
Product: Debt collection

This debt is from the beginning of XXXX. I have reached out to all 3 credit bureaus and asked for validation of debt with supporting document. They have not done anything. I have asked XXXX for supporting documentation. No one has given documentation for this debt other than a copy of the collection notice. The debt has been sold multiple times and each time they update the date to show it as newer than it is Jefferson capital showing it as XXXX when I have not had service with XXXX since XXXX
Product: Debt collection

LVNV FUNDING LLC, is attempting to collect a debt for a credit card with XXXX XXXX Bank that is not mine. This is showing on my credit report as a derogatory mark.
Product: Checking or savings account

I am a Bank of America customer and have 3 checking accounts at their banking facility. I received a loan from Bank of America that was deposited into my account ending in XXXX. However, Bank of America withdraw the loan amount payment, that I owed from my account ending in XXXX, which is not associated with the loan payment agreement. The Bank of America loan agreement stated that funds would be withdrawn from the account XXXX, which is the account that received the deposit. 
I am requesting that my account ending in XXXX be refunded the withdrawal amount and restored to a positive balance.
Product: Credit card or prepaid card

I had no clue about this account until I checked my credit score, it was removed but some how has returned
Product: Credit card or prepaid card

Mail offer for 0 % 18 months on purchases and balance transfers and {$0.00} balance fee for first 60 days. Received new card with disclosure summary which reflected same as mail offer but when the card was activated CS rep said no!!!!! card terms were 15 months 0 % and 3 % transfer fee! Was transferred to 6 CS reps for total of 2 hrs and last one only offered to waiver 3 % after transfer posted to account which I refused. I WANT THE TERMS OF THE DISCLOSURE SUMMARY THAT CAME WITH THE CARD APPLIED TO THE CARD WITH WRITTEN PROOF before I do any transfer balance! Clearly BANK OF AMERICA is using this tactic. of bait and switch targeting retired people
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reading this report u sent me and a see that a diff name was on the list XXXX XXXX. That is not my name never had been I never use it. And wanted to know how do I get it taking off? Also with the XXXX XXXX  I've never had that also. Everything else is ok.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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

I contacted XXXX XXXX on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, I did not get any help from them.
Product: Credit reporting

XXXX XXXX, 2016 To whom it may concern 1. I attest that I am the author of all verbiage within this complaint. On my XXXX and Equifax reports I have accounts in collection, XXXX on Equifax and XXXX on XXXX. 

2. This complaint is based on XXXX, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how EQuifax and XXXX are reporting this data within my report. 

3. XXXX XXXX XXXX and XXXX XXXX XXXX are debt collectors, file standards, and laws, prohibit XXXX to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual. 

4. XXXX file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or Unpaid Collection pay status. 
Account Type Codes XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. 

6. XXXX, is designated as a " Open/Installment/Revolving '' ACCOUNT TYPE and can not be as this data is not expected to be sent by a debt collector on this industry standard file, and is in fact reporting as a Factoring Account and is included in my XXXX. 

7. XXXX and XXXX accounts have a PAY Status of past due, and can not according to XXXX - as this data is not expected to be sent by a debt collector on this industry standard file. I have never been late with XXXX nor XXXX 8. XXXX account on EQ is reporting a creditor classification of " RETAIL '' and can not, as this data is not expected to be sent by a debt collector on this industry standard file 8. XXXX account on EQ has a pay history, and can not - as this data is not expected to be sent by a debt collector on this industry standard file. I have never paid them anything nor ever agreed to. 

9. XXXX account is Medical and should be labeled as such. 

I request that these erroneous accounts be deleted from my reports and not reinserted as they have been damaging to me in monetary ways. I have been denied acredit due to these accounts showing as open/late, when in fact if they were showing as collections on both EQ and XXXX as per their sample reports show I would not have such a low score. 

I will be forwarding this complaint to EQ, XXXX, XXXX CFPB and to the involved Collection agencies as these procedures are illegal under the FCPA and FDRA. 

THANK YOU.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I have giving you written unwritten verbal and non verbal per 15 U.S.C.6802
Product: Credit reporting or other personal consumer reports

This is my second letter concerning the incorrect credit reporting on my file. I am writing to dispute the inquiries listed below, which are a result of this error. These inquiries do not relate to any transactions for goods, services, or money that I have authorized. Therefore, I respectfully request the immediate removal of these erroneous inquiries from my credit file : -- -- -- Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries are completely unfamiliar to me. Additionally, the information regarding these inquiries has been removed by other credit bureaus, which casts doubt on their accuracy. The dates reported for these inquiries are also unclear to me. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days upon receiving ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me confirming that the information does not pertain to any transaction conducted by me.
Product: Credit reporting or other personal consumer reports

During my review of Experian Report # XXXX, I discovered that undisclosed personal information was shared with a non-affiliated third party without my written consent. This violates the Fair Credit Reporting Act ( FCRA ) and my right to control the disclosure of my personal data ( 15 U.S.C. 6802, 15 U.S.C. 1681b ). As per the FCRA, I must be informed and empowered to opt out of such disclosures, which did not occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' First Investors got a copy of my Experian Credit Report. 
XXXX XXXX XXXX got a copy of my Experian Credit Report. 
XXXX XXXX got a copy of my Experian Credit Report. 
XXXX XXXX XXXX XXXX got a copy of my Experian Credit Report. 
I told them to not run my credit report, I already got pre-approved through Golden 1, which the salesman had verified.

15 USC 1681 section 602A. states I have the right to privacy. 15 USC 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 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 7 years. 15 USCs - 2 ( A ) ( 1 ) : A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2023, and I was not notified of investigation status or result.
Product: Mortgage

RE : CFPB Case Number : XXXX claims that the " prior servicer 's tax vendor '' made the initial error which led to the escrow shortfall. The prior servicer is XXXX XXXX who identified CoreLogic as the tax vendor. I contacted CoreLogic nearly two months ago seeking clarification and have not heard back. 

Attached:1 ) XXXX XXXX response XXXX claiming prior servicer 's tax vendor made escrow error. 
2 ) XXXX XXXX 's response identifying CoreLogic as tax vendor. 
3 ) My letter to CoreLogic seeking clarification. 
4 ) CoreLogic 's signature of receipt of my letter.
Product: Bank account or service

I visited a branch of Zion 's Bank a few months ago and received a copy of my statement. The statement had an address on it that was unfamiliar to me. The address was XXXX XXXX HOLD AT UT XXXX XXXX DO NOT MAIL. I did some research and found that the address belonged to Nevada State Bank, an affiliate of Zion 's Bank. The address involved a service called External Transfer to a Friend. I spoke to a representative from Nevada State Bank who told me there was an online account under my tax ID and name, ( along with a signature card ), at their bank. I asked if she could send me a copy of the signature card but was denied. I was not aware of any online account at this bank ( which was connected to my account at Zion XXXX Bank ), nor was I aware of any External Transfer to a Friend. I never filled out an application or signed a card for this service. I had no intention or reason to be sending money to anyone. I then sent an email to the administration of Nevada State Bank to inquire about this online account. I received a reply from them which denied any account whatsoever. I called the bank to make sure they understood what I was asking for and the representative 's reply was that her computer showed that " the records had been purged. '' I sent another email to the administration and they suggested I call Zion 's Bank. I sent an email to Zion 's Bank, they told me that the account was a trust account owned by my family and that I would have to reach the " Trustee '' of the Trust for information. They said that I was not a signer on the account. There are XXXX problems with this reply : 1 ) I was the only signer on this account, I have attached the signature card from my account at Zion 's. The card states that the bank is authorized and directed to take instructions concerning the account from myself only. 
2 ) The service External Transfer to a Friend specifically states that Business, Organization, and Trust accounts are NOT ALLOWED. 
I mentioned this in an email to Zion 's Bank and asked for a reply from them, the response was that I should seek an attorney. I should not need an attorney to get information regarding a bank account that I owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, and on XX/XX/2023 I disputed several negative items on my credit report with all 3 credit bureaus. I asked for proof of such late payments reporting on my credit report, and it has been well over the 30 days time frame, and I have yet to see any changes, or been provided with the requested information. 

XXXX XXXX XXXX account is reporting late payments XXXX is reporting late payments XXXX reporting late payments. 
Per 15 USC 6803 a ( 3 ) protecting the non public personal information of consumers. 
XXXX XXXX child support is reporting, which is a violation since I have never provided written consent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized.This is a well established Identity theft case. Please have Transunion remove this information at the earliest possible time. The fraudulent account appearing on my credit report is DIGITAL EMPLOYEE FEDERAL. XXXX and XXXX already removed the fraudulent account a year ago but Transunion failed to do so and did not even respond to my dispute inquiry. Negligence from Transunion is hurting my life and bringing hardship to it, two examples of it recently are that Transunions incorrect reporting caused me to be denied increased credit limit twice with two of my credit cards, Transunion is in clear violation of 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act. Please have Transunion comply with the Fair Credit Reporting Act, and remove/block this fraudulent information from my credit file. I have attached the Identity Theft report, the Police Report, my Transunion credit report ( With the Fraudulent information highlighted in yellow ), and proof of my identity to this inquiry. Please do not hesitate to ask me for any additional information that could be of use to you. Sincerely yours, XXXX XXXX XXXX
Product: Credit card or prepaid card

See attatched XX/XX/2019 statement. USAA BEGAN FRAUD INVESTIGATIONS WITH TEMPORARY CREDITS XX/XX/XXXX, FOR {$52.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NEVER NOTIFIED ME WHEN THE INVESTIGATIONS COMPLETED. INVESTIGATIONS ARE REQUIRED TO BE COMPLETED WITHIN 60 DAYS. RIGHT? SO XX/XX/2019 THESE TEMPORARY CREDITS WOULD BE MADE PERMANET.?? HUH? PLEASE EXPLAIN USAA POLICY ON TEMPORARY CREDITS MADE PERMANET. I DO NOT UNDERSTAND ** HOW CAN THESE CREDITS EVER APPLY TO THE BALANCE OF XX/XX/2019 WHEN THEY ARE NOT MADE PERMANET UNTIL 60 DAYS LATER.???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called XXXX gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified XXXX month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at XXXX  that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX and XXXX Medical XX/XX/XXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) Medical XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name My only social security number is XXXX My only correct date of birth is XX/XX/1993 My only employer is Southern XXXX XXXXXXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent inaccuracies on my credit report, specifically related to incorrect addresses, late closure, charge-off, and unauthorized inquiries. Despite my repeated attempts to rectify these issues, they continue to negatively impact my creditworthiness and financial standing. 

I have identified the following issues on my credit report that have yet to be addressed : 1. My credit report displays several inaccurate addresses that have never been associated with me. The presence of these erroneous addresses on my credit report is both misleading and raises concerns about potential identity theft. I have previously requested their removal, but they persist. I insist that all incorrect addresses be promptly removed from my credit report. 


2. Accounts on my credit report are listed as " late closed, '' which is not accurate. This misrepresentation unfairly affects my credit score and ability to secure credit. I have previously disputed this, but the issue remains unresolved. I request the status of these accounts be corrected to accurately reflect their closure status. 

3. My credit report inaccurately indicates several charge-offs that are either outdated or simply incorrect. I have diligently worked to resolve outstanding debts, and some of these inaccuracies have already been addressed with the creditors involved. Despite my efforts, these inaccuracies persist. I request that the inaccurate charge-offs be updated or removed from my credit report to reflect the correct status of these accounts. 

4. I have noticed multiple unauthorized inquiries on my credit report that continue to be reported. These inquiries may be harming my credit score and financial prospects. Despite disputing their legitimacy, they remain on my report. I request an investigation into the necessity and validity of these inquiries, and any unauthorized or unjustified inquiries be removed from my credit report. 

Maintaining an accurate credit report is essential for determining my financial stability and credibility. I have taken all necessary steps, provided documentation, and adhered to the dispute resolution process, but these issues persist. This situation is frustrating and has a severe impact on my financial well-being. 

I kindly request that you conduct an immediate and thorough investigation into the inaccuracies outlined in this letter and take the necessary steps to rectify them promptly. Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. Kindly assist me to remove these following fraudulent items : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX, XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent inquiries from my credit report ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX State of Connecticut Office of the Attorney General XXXX XXXX XXXX XXXX, CT XXXX Re : Equifax Consumer Credit Reporting Agency Dear XXXX XXXX, I am contacting your office regarding the inadequate online security of Equifax consumer reporting agency. Equifax is knowingly not protecting consumers in that they have no multi factor / 2 Factor authentication protecting their websites. Any bad actor could simply log in with a user ID and password with no further verification. A credit freeze can be lifted or confidential and sensitive information can be obtained to steal an identity. 
Equifax has had many IT breaches in recent years and user ID and passwords are easily available for many consumers. The irony is that Equifax offers and supposedly specializes in identity protection. Its insane that this protection has not been implemented on their own websites. They have a much higher standard to meet in protecting consumers accounts given their IT breaches and the very sensitive information they warehouse. Even XXXX now has multifactor authentication on their website. 
I have contacted Equifax via the XXXX  ( Case # XXXX ) and I just receive non-sensical responses from a XXXX XXXX of their customer care team. I have contacted their call center and likewise they are uniformed as well. 
I ask that your office investigate this serious lax of security. Im taken aback as to how a multibillion-dollar organization, who is supposed to specialize in identity security and protection, could fail so miserably in protecting the actual consumer. Both XXXX and XXXX have this additional protection in place. This should not be optional for Equifax. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Chief Info and Security/Tech Officer XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX XXXX