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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. 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: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit reports from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXXr credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4.cXXXX XXXX  service XXXX XXXX {$320.00} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
5. XXXX XXXX XXXX XXXX XXXX {$100.00}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
6. CXXXX XXXXXXXX : XXXX opened XX/XX/XXXX balance {$9600.00}. never late 7. XXXX XXXXt : XXXX opened XX/XX/XXXX balance {$2600.00} never late 8. XXXX XXXXrt : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {$550.00} not my account I have XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I informed Receivables Performance Management LLC that they were calling me repetedly and at an inconvenient time due to my work schedule on XX/XX/XXXX. The very next day XX/XX/XXXX they called me 4 separate times between the hours of XXXX CST and XXXX XXXX. I called back and spoke to supervisor who told me the phone " sometimes messes up ''. I have NEVER heard of a dialer being set to call 1 individual 4 times so I believe that is a lie and these calls were placed intentionally. It is a harassing practice for a dialer to be set that way. She told me I would not be contacted again. I told her I wish to be contacted by mail only, she assure me that would be the case going forward. 1 hour later at XXXX CST they called me again! I tried to leave my desk at work and go to a quiet place and the reprentative repeatedly said my name loudly and rudely, then they must have reviewed the notes on my account becasue as I was speaking they hung up on me. I tried to call back and I was placed on hold and left there, I finally hung up after 10 minutes of waiting.
Product: Credit reporting or other personal consumer reports

There is a debt a collection agency called XXXX XXXX. This agency reaged my debt. My debt was supposed to be removed from my credit this year. I disputed this through experian and experian doesn't want to cooperate in this matter stating that their role is only to investigate the accuracy of the debt. According to FCRA, it's illegal to reaged a debt. And what is on my credit is not accurate. It shows that debt is opened on XX/XX/year> which is not accurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The following account listed on my credit report is inaccurately reported. Although I previously disputed this account and it was verified, I have not received the purchase agreement that includes the correct account number, balance, and account status.

Law 15 USC 1681 B-This law addresses the permissible use of a consumer 's credit report by third parties. There has been no authorization granted for any third party to access my credit report.

Law 18 USC 1028 A - According to the next law, aggravated identity theft has been committed. I did not give anyone permission to transfer my information from the credit company to a collection agency.

These items does not meet the FCA reporting requirements delete these accounts immediately
Product: Debt collection

I am writing today because my identity was stolen and used not once but twice. I received notice from a company called RECEIVABLES PERFORMANCE claiming I owe {$700.00} XXXX. I immediately reached out to RECEIVABLES PERFORMANCE in XXXX and XX/XX/2022 and explained that I did not open an account with them or their affiliates and that there was some mistake. XXXX XXXX requested I send a fraud dispute letter in writing and a XXXX would contact me regarding the unauthorized accounts. As of today RECEIVABLES PERFORMANCE has not responded to my fraud request or given me any helpful information to help me. This companies have ignored me and my rights and reported this account to the credit bureaus. I have reached Out to the credit bureaus and they are holding an investigation. I have also filed a police report with my local authorities regarding this matter.
Product: Debt collection

i do not know this account. This is not my account fix and delete.
Product: Debt collection

I keep getting the same response that is lies. I have an email that they applied to my credit and the resolution is false. They are not doing what they say and I keep getting the same generic email. This is not a duplicate issue, the issue is never addressed and their resolution is false. Please review my credit and you will see it is open. Once again, I pay all my bills and I have no idea what the debt is for and why it is there. I am tired of these unethical practices. Saying your following the FDCPA and disputing when you just reported again on XXXX is not accurate and a false statement.
Product: Debt collection

I contacted XXXX XXXX to pay balance ( this was during Corona Virus ). We spread the payments out over a few months - I was told to not worry about contacting debt collector they would let them know I was paying them directly. 
I paid XXXX XXXX  as agreed the entire amount - there was no charge off as Berlin Wheeler has indicated in notes. 
XXXX stated Berlin Wheeler would remove from credit report after last payment was reported. 
I did not pay Berlin Wheeler I paid XXXX directly. 
I contacted Berlin Wheeler to ask why had they not removed from my credit report they stated they didnt have to even if I paid account off if was there discretion who they choose to remove from credit report. This is not fairbI made arrangements with creditors due to natural disaster paid in full on time as arranged - and this company gets to decide whos credit they will ruin for 7 - 10 years.

Please help me. 
Thanks XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, Moneygram transferred funds of XXXX transactions {$1100.00} and {$1000.00}, to the wrong vendor. I have repeatedly called Customer Service and emailed them to get a refund. The transaction was sent to XXXX XXXX. I have contacted them also. I am requesting a refund. Since this error occurred my vehicle has been repossessed. 
I am requesting a refund and damages. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery sent my collection to XXXX XXXX XXXX. From there they contacted me and I came to a settlement of my account there for XXXX less than the original amount. After settling the collection was removed off of my credit report. Just three days ago it popped back on my credit report saying I owed that XXXX difference. Today it also reported that im late on that XXXX also. I called them for the last three days between the two companies and no one was cooperating and did not assist me with the reasoning behind this. I asked the Law Firm and they say they dont report to the credit bureaus and i have to contact Portfolio Recovery. When I call Porfolio Recovery they only say that XXXX XXXX XXXX was the only ones who can talk to me about it. Many times Portfolio Recovery hungup on me. I got it recorded two times of one representative hanging up on me and one supervisor hanging up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian ( credit reporting agency ) several times over the past year regarding fraudulent accounts that were opened in my name. Experian responded and told me that if I mailed my driver license, proof of mail and social security they would block the fraud accounts ( XXXX XXXX # XXXX and XXXX XXXX # XXXX ). Once I mailed in the information I called and was told by a representative that the accounts could not be blocked even with the FTC report I mailed in. I followed their instructions and they still refused to help me. The above referenced accounts are still reporting on my report.
Product: Mortgage

On XX/XX/XXXX, my husband and I were referred by a US Bank Personal Banker to a loan officer for 2 mortgage loan refinancing : 1 a refinance an investment property home with cash out to put towards the 2nd refinance 2. refinance of our primary home. On XX/XX/XXXX, I spoke to the loan officer and explained what my intentions were and she indicated that she can do it and provided me with loan estimates shortly after. We submitted all the documents needed within the next day or two. On or about XX/XX/XXXX, the loan officer called me asking if we can pay the 2 loan application fees @ {$390.00} each to show good faith that we are serious about the loan because their underwriters are swamped and they don't need to waste time if we weren't serious. I indicated that based on the loan estimates she provided that we are serious and agreed to pay the total fees of 2 loans @ {$790.00}. Loan finally submitted to XXXX on XX/XX/XXXX. On XXXX, I followed up regarding status. She told me that they are really busy and will take longer to hear. On XXXX, I emailed asking if they too have the lower rate of 2.99 % as all of my friends are getting this rate. She told me that we are already locked and it will cost to break it. I said never mind then. On or about XX/XX/XXXX, she told me that they can not do a refinance with cash out on my investment property as they do not have that program. I couldn't not believe what I was hearing when she knew from the beginning what type of refinances we were applying for. Because we are already {$790.00} deep, I asked if there are other options. She gave me the options and I told her that we will think about it and see if it makes sense. After reviewing the options she gave we decided that they were not acceptable. We requested for a refund of our application fees because we felt like she took our application fees knowing that they did not have the specific program we are looking for. We have been trying to get an answer since XX/XX/XXXX and have reached out to the manager and no response to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would Like to file complain against Transunion and XXXX which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting that I owe a collections debts of {$720.00}. Equifax is also inaccurately reporting that I owe the {$720.00} collections debt to XXXX XXXX. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report.There way to resolve a credit report problem it give me a hard time.I try to contact them over the phone not resolved, i try to send o prove of credit issues that they was fully of errors not resolve.They not investigate at all such all those reporting companies they report there with lot of errors.Rude costumer service they treat you like a criminal.The last time i send all the paper work show and prove that those reports are with errors they did not upload my documentation the operator told me that they not received. ( ( ( they lost or they not upload purposely ) ) ) .They tell me send it back again.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681 - Fair Credit Reporting Act My report is supposed to be accurate with payment information. The vehicle was charged of over 3 years ago and my credit report this month showed I was delinquent in payment for over 3 years. This has caused my current credit relationships to be strained with current credit cards drastically reducing my credit limit which has caused a major drop in my credit score.

Also under 15 U.S. Code 1692, I have the right to not be subject to this unfair Debt collection method. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

This has cause me severe harm and need this completely removed.
Product: Debt collection

XXXX XXXX XXXX Original creditor : XXXX XXXX  Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX  {$1700.00}  Account number Collection opened XX/XX/XXXX Account type Debt Buyer these accounts reporting on my credit is due to identity theft, my previous address XXXX XXXX XXXX XXXX XXXX CA XXXX was also compromised and used to obtain goods and services. My current and primary residence is XXXX XXXX XXXX XXXX XXXX CA XXXX since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a payment differed agreement for the month of XX/XX/2023 with TFS for an extension of this payment. The company submitted a late payment to my Credit profile and ive never been late with this this creditor, you can view my previous complaint number XXXX, there is an attach file with the contract and the payment differed agreement that supports my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, has violated my rights.

15 U.S.C 1681 section 601 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my Account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I have been disputing several accounts with Transunion for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Transunion are violating my rights under this law. I sent out two separate letters to Transunion and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : -XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX
Product: Debt collection

Bread Pay continuously calls multiple times per day from different spoofed numbers. In the past I have requested written communications via my online account, mail or email. Today alone I had 3 missed called in a 4-6 hour period on a Saturday. While I understand XXXX are fair game for these companies, the repeated calls are harassing. While I understand I do owe on an account, these harassing calls have caused me to set my phone up to send unsaved numbers to voicemail.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, Equifax who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " personal information. XXXX reported. XXXX MORVENS* Addresses Reported. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Account. XXXX - MILESTONE {$920.00}, XXXX + DAYS LATE* XXXX XXXX BANK XXXX - 59 DAYS LATE* HARD INQUIRIES. XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 2021 Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not XXXX. Equifax the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Account on my credit report has been reaged and is not reporting the correct information. 
Date opened is incorrect and account numbers do not match what is being reported on my credit report
Product: Credit card or prepaid card

Synchrony Bank continuously posted payments to my JC Penney account in error. 

The payments apparently belonged to a different account number and Cardholder name. 

The Payments applied to my account in error are as follows : XX/XX/XXXX - {$1000.00} acct XXXX ending in XXXX was returned " payment not authorized '' XX/XX/XXXX - {$1300.00} acct XXXX  ending in XXXX was returned " acct closed '' XX/XX/XXXX - {$1900.00} acct XXXX  ending in XXXX was returned " acct closed '' I reported these payments were not issued by me and not my financial institution, they sent a letter of apology for the payment on XX/XX/XXXX posted to my acct in error. 

I received a following letter stating my acct was closed because of these payments. Two of these payments are from the acct number they stated was posted in error. The balance is also greater than i would have previously charged. I have asked for copies of these checks so i can pursue possible fraud charges, i have also asked for location of delivery or purchases for the items charged. Jc Penney and Synchrony Bank have not assisted in this endeavor at all, but they did manage to close my account because of THEIR ERROR and failure to protect THE CONSUMER from their own Failed processes. Why did Synchrony Bank send a letter of apology for posting a check to my acct in error and then use it as an excuse to close the account.. Synchrony Bank apparently has a history of doing this very same thing and I will not accept this as the norm. I want a SINCERE Letter of Apology and my Account Reinstated as it should have NEVER been closed.
Product: Credit reporting or other personal consumer reports

I've disputed several accounts and asked for re-verification for accurateness and completeness of these accounts but all I have received is letters stating they can not identify me when I have send in my utility bill, my driver 's license, my social security card and my W2. How can they not identify me? The following accounts are inaccurate, unverified and incomplete : XXXXXXXX XXXX XXXXXXXX- why is this on my credit report? 
XXXX XXXX XXXX XXXX - I was never late on this account. 
XXXXXXXX XXXX  account XXXX - I have no idea what this is or if it belongs to me. 
XXXX  XXXX - I don't think this is my account. I have no idea what it is. 
XXXX XXXXXXXX XXXX XXXX  - What is this? I would like this validated. This is a debt collector and I don't know who or what this is. 

I would like these investigated for completeness, accuracy and that they are mine because I don't know what most of them are.