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

I really dont have an issue with any company, however o do feel I am a victim of identity theft because I saw things on my credit report that should not be there at all. For instance I see that I either purchased or was renting a home in Florida and I have lived in XXXX Alabama all my life. I also see an address in XXXX Alabama that I never lived. The dates for those issues ranged from XXXX I believe. I XXXX not be exactly correct on the dates but XXXX positive Ive never lived in those places. I also received a call from a XXXX XXXX bank asking me if I tried to open a {$30000.00} business loan in which I didnt in 2022 and in that same year I was contacted by Experian stating I was a victim of identity theft and they would open an investigation. I have not since heard from them saying if they resolved the issue or not, but I feel someone is still using my information.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections account with XXXX XXXX XXXX originally a XXXX phone account debt opened on XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

First, let me state that I have never received letters from Elevate Recovery stating that there is supposed debt. I have only received phone calls on my cell phone. 

On XXXX XXXX XXXX XXXX XXXX XXXX - I received a phone call from XXXX. I did not answer. 

On XXXX XXXX XXXX XXXX XXXX XXXX- Elevate Debt Recovery called again from XXXX. I did not answer. 

On XXXX XXXX XXXX XXXX XXXX XXXX - Elevate called again. I verified with the unnamed associate my information. He began rattling off the debts. I cut him off short to inform that I did not have the time talk to him. I got snappy with him & cursed to prove my point. He then said, " If I didn't have them time- I shouldn't have picked up the phone. '' That statement is unacceptable by a customer service associate no matter what trade they are in. The XXXX area code is from my hometown, how do I know if it's my elderly parents calling in an emergency if i don't answer? Of course, I'm going to pick up the phone. 
I finished what i was doing & called back XXXX. I could not get the name of the person that answered the phone because she said it so quickly. I think this is done to confuse any possible reporting of the company 's rudeness. I told the women the situation & told her i would like to fill a complaint. The women mentioned that letters were sent to me of the debt they are trying to collect. Turns out they have been sending the letters to the wrong address. I updated their address with the associate. She hung up on me when she heard complaint towards the end. 
I called back, call was picked up by a man, I asked for a manger & was immediately hung up on. Wasting more of my time. 
I called again. I again asked for a manager. The women who answered said she was a floor manager. She also said her name quick enough for me not to catch it. I told the manager what had occurred earlier & she got snappy over it as well. Her response to the comment " If I didn't have them time- I shouldn't have picked up the phone. '' from the associate was not acceptable either from my understanding, she 100 % backed her associate 's comment & rudeness. 

I will be mailing a certified cease & desist letter to this company to prevent any further contact from them because of the horrible customer service & rudeness. This letter will be mailed today XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Am I correct that I am required to pay for a freeze on my credit for XXXX and TransUnion? I discovered this only after I had to navigate around a service TransUnion wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of this.
Product: Mortgage

I have been trying to go to settlement for over a month. It was scheduled again today, and now the mortgage company says they are not ready AGAIN!!! The people at Residential Mortgage Services ( NMLS # XXXX ) in XXXX, PA seem to be completely inept. I 'm beginning to wonder if they are even a licensed mortgage company. This has moved well beyond ridiculous now, and I have inconvenienced and cost many people through this whole process. I am the seller in the transaction and need to get this done.
Product: Debt collection

This company keeps updating my credit report saying a new collection has been placed on my reports and it keeps dropping my credit scores this is beyond illegal to do that this has been a long process with them all they sent was a cell phone bill therere ruining my credit for they own can next step is a lawsuit against the company if This isnt removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Product: Credit reporting

I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the origin entity that is reporting this negative.
Product: Checking or savings account

I was the victim of a scam involving the change of my name on a flight ticket. 
When buying the ticket I typed the wrong name and when I tried calling XXXX to fix it, around XXXX, XXXX took me to a scammers phone number that charged me XXXX USD to fix my name when actually that service is done for free.
Product: Credit card or prepaid card

received a statement from Barclays ( Jetblue card Plus ) in XXXX. {$9.00} XXXX, {$99.00} annual fee {$29.00} fraud chg ( disputed and later rec 'd the letter XXXX XXXX confirming I was not responsible ). At that time I canceled the card so the {$99.00} was credited and I paid the {$9.00} XXXX. At that point, I should have a XXXX balance. Month after month, I was recieving statements with late fees and interest. For 10 months now I have called over a dozen times spent hours with numerous people to get no where. I have even went back from XX/XX/XXXX to XX/XX/XXXX exported the activity and if anything it shows a credit of ( {$40.00} ) but they keep sending me a bill for {$50.00}. They clearly have no idea what they are doing. I can even prove that on XX/XX/XXXX statement I had no carry over balance on the card. Please help
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 Account Number : - XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX ======================================= XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried for months to get this resolved with XXXX finance. I have leased 3 vehicles with them over nine years. I have recently discovered that they reported multiple late payments to my credit report that are not true. I have contacted them numerous times by phone and mail but no one calls me back. I have the evidence that shows I was not late with my payments in XXXX and XXXX of XXXX that I downloaded off of their own website. They reported me 30 and 60 days late. Then in XX/XX/XXXX the last month of my third lease they turned off my auto pay and never notified me, so XXXX was late. They said that was there policy now. I filed disputes with all 3 credit bureaus but they really aren't helping with my problem. I have been a loyal customer with XXXX and do not understand why no one will call me back on this matter. I have requested to speak to supervisors but nothing gets done. I just get letters stating the disputed information reported is correct. I have had credit for over 33 years and do not have any late payments from any other business. These late payments from XXXX have significantly hurt my credit score. I have taken great pride in my credit score and just want to be treated fairly. I have attached supporting documents that will support my statements. 
I would appreciate it if someone could contact me about this issue. Home XXXX Thank you very much.
Product: Checking or savings account

On XX/XX/XXXX I noticed unauthorized bank transactions on my account. On the very same day, when I noticed these unauthorized transactions, I immediately notified Citi Bank and followed all the steps with the fraud claims department. 

Approximately {$1500.00} was stolen from Citi Bank account, by a company called XXXX. These transactions started in XX/XX/XXXX and each item is {$28.00} each. 

On XX/XX/XXXX, I noticed only a small portion of the unauthorized transactions was returned to me. When I called to inquire about the rest of the funds, the Citi Bank representative told me that there was not enough to dispute the claim in my favor. 
The Citi Bank representative did not tell me who conducted the investigation and how they conducted the investigation. 

On XX/XX/XXXX, I filed an Identity Theft report with FTC to further prove my innocence. 

As of now, I have not received the rest of my money and I have not received an adequate response from Citi Bank. My claim has been denied due to irrelevant information and a lack of a thorough investigation. 

Please have Citi Bank restore all unauthorized funds to my account, as this has caused me financial and emotional distress.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 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. 

XXXX XXXXXXXX, AND XXXX XXXX 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 XXXX 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dept of Education {$290.00}, {$2700.00}, {$5100.00}, {$7500.00} all reporting on all credit report 's XXXX, XXXX, and Equifax. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report that I have no knowledge of authorizing : XXXX : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX TRANSUNION : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I may be a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had file a dispute with XXXX in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.
Product: Mortgage

SO CALLED UNEMPLOYMENT MOD APPROVED PUT HAVE TO PAY ALMOST XXXX AND XXXX AFTER???? WHAT KING OF UNEMPLOYMENT MOD IS THIS!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I was sent a copy of my credit report.I was shocked to learn that I am a victim of Identity theft. I found numerous accounts on my credit report not opened by me. this has been hurting my credit score as I am in the process of buying a home for my family. Please remove these fraudelent accounts immediately from my credit report.
Product: Debt collection

Wells Fargo home Mortgage loan # XXXX this loan was forged by Wells Fargo Mortgage Notary/Notary agent I have enclosed a document this is not my signature on the all California ALL purpose Certificate of Acknowledgement I did not sign nor agree to this nor did I give any one permission or power of attorney to act on my behalf I 'm in the process of taken legal issues on forgery by the bank am
d other issues
Product: Credit reporting or other personal consumer reports

I put a freeze on my Equifax account due to fraud. During that freeze over XXXX companies accessed my account for unlawful and fraudulent purposes. Equifax refused to verify a lawful purpose, ignored my credit report freeze, allowed my personal info to be given for unlawful purposes, refused to allow me to dispute the inaccurate information in my report online and refused to accept my dispute by telephone. I spoke with XXXX XXXX and a supervisor named XXXX XXXX. This occurred on XX/XX/year>.
Product: Vehicle loan or lease

I purchased a new car in XXXX. I have since moved, and have tried to register the car in my new state. This requires a copy of my title and a one and the same letter. I have called Hyundai Motor Finance repeatedly to obtain these documents. 

Each time, they say they will send it, then set the status of the document as complete without sending it. When asked why they wont send it, they say the request failed because they can not send the documents via email, and they agreed to mail it. They did not send it, and I have been unable to register or drive my car.
Product: Checking or savings account

I am no longer a Wells Fargo customer now but I did notice late fees assessed to my account even when I made deposits to keep balance out of the red.
Product: Bank account or service

I had posted an ad to sell my car. I received a check which included a fee for movers to take the car. I went to the bank after the funds were made available and withdrew the money. After i had done so, i met with the movers who took the car to their location and gave them the money. The next day I went to the bank and asked them if everything was okay with the check as well as my account which they reassured me did not have any issues. I told them the situation and tried to close out my account but was advised otherwise because my direct deposits from work would not be processed. The next day, I went to check my account only to find out that the check was returned and marked as a fraudulent check. I am out of a car and {$3000.00} in debt. No one had helped me resolve the situation or to reach a solution and did not even consider the fact that I am a XXXX who supports herself and lives paycheck by paycheck. Why would a bank make funds available out of convenience if the customer does not have the funds to back it up? Out of convenience for the customer who has been a member of the bank for years, why would they not verify checks before making funds available? Why is it when I had told a bank investigator, I am being told that the bank has taken a loss of {$3000.00} while i had also taken a loss for {$3000.00} as well as a car? Why do banks have protection against fraudulent checks and not the customers who are loyal members and trust the banks?
Product: Credit reporting or other personal consumer reports

I was XXXX  for some time in the years of XXXX and I have not used credit for anything recently besides XXXX  and XXXX. XXXX helped me recently disputes multiple items I cant recognize I really need help with this issue of inquiries and and accounts on XXXX XXXX and transunion