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

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected as a result of identity theft. 
ACCOUNTS : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} INQUIRIES : XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

I noticed a few months ago that there was a account on my report that is not mines, reached out to XXXX XXXX XXXX  about said account even told them the name is not my name but for whatever reason they refused to remove account now it is with a collection agency so I'm disputing this.
Product: Checking or savings account

I had an account with Wells Fargo in the late XXXX, roughly XXXX I stopped using the checking account, and had no charges coming through the account. I only opened this account to cash my checks at the time. When I went to cash my over {$700.00} check, I was given back less than {$20.00} and told the rest of my check went to my overdraft/insufficient fees in my account. I wasnt told until after my check was cashed, and money was taken, that I had around {$700.00} in fees to pay them. Ive never gone back since. They wouldnt work with me and told me they closed my account because i hasnt used it within a certain time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reverse mortgage was signed by someone, I was in the XX/XX/XXXX, suffering from XXXXXX/XX/XXXX and a XXXX XXXX,
Product: Credit card

When I signed up for the credit card I did so under a promotion that would waive the yearly fee as long as there was an open checking/saving account. I then opened a checking and savings account with them and transferred everything over. All was fine until my one year mark when they charged me a yearly fee. When I contacted them the first representative told me that there was no such thing ( the promotion ). I told them that i would not make this up and if they are unaware of it then they need to find someone who does. When I finally spoke to a supervisor ( 30 min hold ), they told me that yes the promotion was active at the time of my sign up but the representative never signed me up and there were no notes on the account. I protested, why should I be punished for someone not doing their job. The supervisor then told me that I would need to find the promotional mailer ( one year old at that time ) to prove that I was offered it, even though it showed as active during my sign up. 
This was the XXXX travel rewards XXXX. I have had nothing but problems with them honoring my initial agreement, even though I constantly use my credit card and keep it in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 things as well as inquiries on my credit report that are not mines. I have disputed these things by letter and through the credit report company transunion. I would like these things to be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service XXXX 

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. 

I request that you investigate this I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.
Product: Debt collection

When calling Portfolio Recovery Associates LLC to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from XXXX. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with XXXX letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have three negative accounts on my credit report for the same Student loan which is paid in full. How can I have a late payment over XXXX in XXXXXXXX XXXX XXXX but the loan has been paid off prior to XXXXXXXX XXXX XXXX 

NELNET LOAN SERVICIN U S DEPT OF EDXXXX US DEPT ED I have reported this several times to these companies along with the three major credit buraus XXXX, XXXX and XXXX
Product: Money transfer, virtual currency, or money service

Yesterday, XXXX XXXX, I logged onto my bank account and noticed two withdraws from Pay Pal. One withdraw for {$20.00} and one for {$80.00}. I then logged into my Pay Pal account and saw there were two transfers to someone I didn't know. I immediately reported the unauthorized transfers to Pay Pal and changed my password to my Pay Pal account. Pay Pal supposedly investigated the unauthorized transfers, and yesterday they sent me an email stating, " We've completed our review of your unauthorized activity case, and we've determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' This is absurd. Somehow PayPal determined that transferring two random amounts of money to someone I've never sent money to before ( and indeed don't even know ) on the same day is consistent with my previous transaction history?
Product: Credit reporting or other personal consumer reports

XX/XX/year> I tried to remove hard inquiries off my credit report with XXXX I quoted the law & they did nothing they didnt remove them at all. 15 US CODE 1028A!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they Violated my rights numerous times. I demand the accounts listed below to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX Account number XXXX XXXX, Accounts : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 years I have been sending letters to XXXX, XXXX and Transunion to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.
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. Account name : ( XXXX XXXX XXXX  ) Account # : ( XXXX ), [ Account name : XXXX Account # : XXXX ], ( Account name : XXXX XXXX XXXX Account # { XXXX }, [ Account name : XXXX XXXX XXXX Account # : { XXXX } has violated my rights. 15 U.S.C 1611has violated my rights. 15 U.S.C 1681 section 602 A. States 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. Also I keep getting denied credit by XXXX XXXX, XXXX XXXX, and a couple of others because of this. How rude... Given the fact that the entire transaction is predicated on my unlimited credit. How rude? Well title 15 subsection 1611 False and misleading denial of of my own credit. I would like to speak with the underwriter and give them this code also. I would like a listing of all the factors that were involved in this consumer transaction. This is not a credit transaction. It was a CONSUMER because I wanted to access a portion of my unlimited credit. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. My phone number to reach me is ( XXXX ) XXXX. I filed this plenty of times and nothing changed. Do I need to speak with someone else. I Would like this info taken down immediately. Thanks for taking the time to read my complaint. Hopefully this will get resolved.
Product: Credit reporting

I received an alert that I have a bill in collection which was a surprise to me so I pull up my credit report and I see something from XXXX a bill for XXXX I dispute this back in XX/XX/XXXX after about a month the item was removed ok great I happy about that. Well this morning XX/XX/XXXX I receive an alert of a bill in collection I know this cant be so I check and not only has XXXX been placed back on my credit report but they are now say the balance is more then double and that I just open this account in XX/XX/XXXX. This is not my account this has hit me hard and has dropped my credit score very much. This cant be right there has to be something that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX Missed payments ' XXXX XXXX  I OWE THEM {$270.00} in COLLECTIONS OPENED XXXX. XXXX XXXX XXXX I OWE THEM {$1900.00} IN COLLECTIONS OPENED XXXX. 

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
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 u.s.c. 1681.. 
Account Name ... .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 XXXXank ) .. 15 u.s.c 1681 section 602A. 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 an account without my written instructions...

15 u.s.c 1681C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Checking or savings account

Cash app not having a live rep on duty and some transactions I did money disappearing
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit on XXXX XXXX I have come to a conclusion that my identity was tempered with for I am not familiar with previously reported errors on my credit profile. I have reached out to Equifax, XXXX and XXXX. Equifax acted accordingly by deleting everything off my credit report except for the Inquiries. XXXX did the exact same thing. However, my biggest problem is with XXXX who continues to ignore my request to delete Erroneous items that I am attaching on here for you to review and investigate further. I am demanding that EQUIFAX, XXXX, AND XXXX remove all INQUIRIES and listed attached so called collections and derogatory accounts off my credit report immediately.
Product: Checking or savings account

I have been trying to get my money from Citibank N.A since XX/XX/XXXX I have filed complaints with FDIC OCC and CFPB they stated it would be 60 days then they needed information I gave it to them then they stated I would have my money via check by XX/XX/XXXX it never came then they needed something from the company that sent me a wire transfer a real XXXX company and submitted a letter as did I. I have been trying to resolve this matter and get my money for 8 months now. I have lost my home due to this. 
MY NEW ADDRESS IS? : XXXX XXXX XXXX XXXX XXXX TN XXXX OLD ADDRESS WAS : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX NEW PHONE NUMBER XXXX AND XXXX.
Product: Debt collection

Company I am having an endless problem with is Trident asset management, For years i have been trying to resolve this account and trident has stated that they were the only organization with the authority to remove a disputed debt, they withheld the fact that cfpb exists to help frustrated consumers and when I confronted a trident rep about this fact, they hung the phone up. -- -- The amount trident claims I owe is XXXX, which is completely incorrect. -- - The documentation sent to me regarding this debit is void of any detailed information and is inaccurate. The invoice starts with an amount of XXXX on XX/XX/2013 for previous charges, I have requested numerous times for a detailed account of what the previous charges are specifically for and trident has refused to disclose the information which appears they have no such information. -- -- The other charges on the invoice is for a reconnect charge on XX/XX/2013 for XXXX, my service was never disconnected nor reconnected. There is then an additional charge for XX/XX/XXXX to XX/XX/XXXX for a full months service at XXXX then another additional charge for XXXX for XX/XX/XXXX to XX/XX/XXXX again. -- - Then there is an additional charge of XXXX for an early termination fee, at no time was service ever terminated early, the residence which service was provided at, I had moved from and called to disconnect service. The information supplied gives no clear indication of what the debt is specifically for and is charging for services and issues that were never incurred. When I closed the account with XXXX they stated the account was closed and there were no issues, then somehow one year afterwards I started receiving this invalid debt collection from Trident and they have not supplied any substantive information to date.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/23 {$2500.00} XXXX XXXX XX/XX/23 {$2200.00} XXXX XX/XX/23 {$3800.00} THE COMPANY SAID IT DID INVESTIGATION AND THEY WAS VERIFIED In accordance with the Fair Credit Reporting act Convergent Account above 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 or other personal consumer reports

Summary of What Happened & Desired Resolution I am filing a formal dispute and complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by XXXXl XXXX, XXXX XXXX, and credit bureaus. 

What Happened : XXXX XXXX XXXX XXXX XXXX Illegally Reporting Canceled Debt These creditors issued Form 1099-C, canceling my debt, meaning they legally discharged it.

Despite this, they continue reporting these accounts as active, damaging my credit score.

This is a direct violation of IRS regulations, FCRA laws, and consumer rights.

Unauthorized Hard Inquiries on My Credit Report My report shows several unauthorized hard inquiries from financial institutions I never applied with.

These were done without my consent, violating federal law.

False & Outdated Information in My Credit Report My report lists multiple name variations, incorrect personal details, and errors that could cause identity confusion.

Credit bureaus have failed to fix these inaccuracies, despite my disputes.