23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter to TransUnion credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA TransUnion reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to TransUnion in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. TransUnion failed to provide this information which is a violation of the FCRA. On XX/XX/XXXX, I contacted TransUnion via phone and requested once again the method of verification in response to TransUnion 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking TransUnion to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX, I received another credit report from TransUnion ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. TransUnion did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to TransUnion, any automated response or XXXX verification is unacceptable. TransUnion must provide documents bearing my signature that the debt is valid. As of the writing of this complaint TransUnion has failed to respond to my request. Thus,, TransUnion is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.
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 NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

Contacted company via mail no response has been given
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase at Bloomingdales and then returned the item. They lost said item and never issued me the electronic receipt ( I always try to go green ). I have disputed this with them for months and it was fun finally resolved. I have an email from them that states the following : Dear XXXX XXXX, Thank you for your recent inquiry regarding your account. 

This is to confirm the dispute regarding your account is resolved. We have updated the dispute to a resolved status with the three consumer reporting agencies listed below : However, it is still showing up on my credit report and XXXX has told me, after I disputed it, that they are still reporting it and I need to file a report here.
Product: Checking or savings account

OUR COMPLAINT I have reached out to my bank advising that i was charged an incorrect amount by a hotel while I visited XXXX. I explained that the hotel charged me {$2800.00} when i was supposed to be charged {$1300.00}. on XX/XX/21 I faxed the bank a 9 pages including, detailed email conversation with the hotel, the amount the hotel was reserved for and a full explanation of what happened.. On XX/XX/21 I then received a letter advising that the bank did not receive my documents and needed more information. I contacted the bank and spoke to XXXX with ID XXXX in disputes and was advised that on XX/XX/XXXX all 9 pages that I faxed were received and uploaded and she does not know why they are requesting more info as the letters faxed before has all the necessary info. On XX/XX/XXXX I again faxed the documents to the bank. Today I receive another letter dated XX/XX/XXXX advising that they did not receive the information and will reverse the credit of {$1500.00} on XX/XX/XXXX. This has been a problem as its the second time this has happened. when I call the bank i am not allowed to speak to the actual person working my case and a lot of communication gets lost creating a very bad experience. I have provided the bank all the info that they requested as attached below and They have confirmed receipt of this, yet still another department is stating that they didn't and making decisions on this. Again the bank reopened this and asked me to send them documents which I submitted 8 documents on XX/XX/2021 and confirmed receipt which I have attached and again they are telling me I did not send them documents. I have sent email convos with me and the hotel confirming the correct amount to be charged, statements showing the incorrect charge and the bank is disregarding them. Today they have reversed XXXX advising that they did not receive documents.
Product: Debt collection

A company named First Credit Services has called me daily and repeatedly during my work hours, often twice or three times a day from different numbers. I believe this is related to a resolved issue related to a gym membership at XXXX XXXX in XXXX, KS. I paid the outstanding charges to the company and have not heard from them since. 

I have attempted to contact First Credit Services using the number given in the voicemails, XXXX. I have also attempted to contact the company using the number on their website XXXX XXXX. Neither call was able to be completed. 

I have records of repeated calls for 5 days in a row occurring from XXXXXXXX XXXX  to XXXX. If I can't reach this company through their provided numbers then I have no idea how to dispute this debt.
Product: Mortgage

On XX/XX/2024 I made my XX/XX/2024 mortgage payment to the previous servicer, Guaranteed Rate Mortgage. The payment was properly applied and credited to my account with Guaranteed Rate. 

On XX/XX/2024, servicing was transferred to Selene Finance. My XXXX payment was not credited to my account and still has not been as of XX/XX/2024. 

I emailed XXXX on XX/XX/2024 and never received a response. I sent an Error Resolution Notice on XX/XX/XXXX and never received a response. 

On XX/XX/XXXX, I called and spoke to XXXX XXXX and sent him a copy of my statement from Guaranteed Rate showing that I had made my XXXX payment and it had been credited to my account. He said that he would look into it and get it resolved. 

I never heard back, so I sent a follow up email on XX/XX/XXXX asking for an update and never received a response. 

I called on XX/XX/XXXX and was told I would receive a call back within 24-48 hours and never received a response. 

I called again on XX/XX/XXXX and was told I would get a call back by the end of business day on XX/XX/XXXX with an update and never received a response. During the call on XX/XX/XXXX, the representative that I spoke with, XXXX XXXX, told me that the funds for my XXXX payment had arrived from Guaranteed Rate on XX/XX/XXXX but Selene Finance had lost them and is trying to find them so they can apply them to my account. He said that according to their records, this should have been resolved by XX/XX/XXXX. 

To recap, Selene Finance received funds for my XX/XX/2024 payment on XX/XX/XXXX yet still have not applied them to my account as of XX/XX/XXXX.
Product: Debt collection

I'm unaware of this debt, I didn't have opportunity to dispute this debt information. If in fact you believe I received property notification then please send me a certified receipt with my signature on it stating that I received it. If you can't provide that I ask that you remove this debt off my report immediately, if you don't you are violating my federal rights.
Product: Mortgage

The mortgage company is constantly raising the mortgage payment, sometimes without notice, sending back the mortgage payment - sometimes because it is n't received for the month due ( will be for month of XXXX and will receive on XXXX XXXX ) - and sometimes because it was n't full amount ( would have raised the monthly payment with no notice so was sending in last KNOWN payment amount ), and adding payment rules and regulations with no written statement or letter of notification.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX  XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX  Open Date XX/XX/XXXX Account # XXXX, XXXX  XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX  Open Date XX/XX/XXXX Account # XXXX, XXXX  Open Date XX/XX/XXXX Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer XXXX credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Product: Debt collection

Allegiant Capital Recovery has called me and has harassed my family members regarding a XXXX XXXX credit card I had. 
I returned their call on XX/XX/2023 and spoke to XXXX ( XXXX XXXX XXXX ). I informed her that she is not to contact my daughters or mother and that she is only allowed to contact me though email. Her response was that is not going to work, it doesnt work that way, and I will continue to contact them. XXXX tone was very rude and very condescending.I informed her that I was filing a complaint and ended the call.
Product: Credit reporting or other personal consumer reports

Equifax date privacy security breach affected XXXX XXXX Americans. The effect of Equifax security privacy breach has caused me irreparable harm and an imminent XXXX of danger, now and for XXXX imminent XXXX of my identity. This breach caused sensitive personal information such as ALL NINE of my social security number with many names, birthday, and all address. This is a violation of statutory and common, law violations, under federal and state law violations of the FCRA, and Georgia Fair Business Practices Act. Alledgelly this could only come from a person or persons inside, Equifax data privacy SECURITY TEAM who are masquerading as workers.but who are real hackers, Alledgelly. Or his information was sold by higher ups in the company who had security clearance to a second and third party as an inside job. MY information was sold on the black Webb to hackers. Equifax also issued wrong Credit Scores to me and millions of customers, including me, and caused me higher interest rates, denied auto and loans, due to a coding issue. Errors on my credit report lowered my score, this was done deliberately, wontly, without warning. I have been subject to XXXX discrimination because of my said skin color, by rejection of auto loans of MY OWN CREDIT this is a violation of Title 15 subsection 1611 - False and misleading, Denial of my own credit, the Underwrites also plays a part in those denial. The XXXX Disparities has caused irreparable harm, by using inaccurate, information, mixing files, furnishing accounts without my written instruction. This is also a violation of the department policy, this is FCRA and CFPB violations which is frequently willful intent, by XXXX or more officials. More importantly being subject to XXXX Discrimination and XXXX Disparities by Equifax and security breach of all my information, as those of the XXXX XXXX Americans, that my social security number information was sold to foreign company 's overseas on the black-market endless Webb as well.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I have officially disputed the fraud several times. Please remove the fraudulent information immediately from my file. 

Account : Chase Acct # XXXX- The entire balance is due to fraud charges. I spoke with Chase Fraud department and went line by line and paid what we agreed was not fraud charges. they removed the charges and told me I was not liable for the remaining charges. 

The account has once again shown up on my credit report after a year. 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing fro you soon. 
I tried to upload pdf of police report but was unable to file being over 10mb.
I have uploaded page 3 of report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes to have an account with serious delinquency removed from my Equifax credit report, latest being on XX/XX/XXXX. The date of first delinquency of the account in question ( XXXX  XXXX XXXX ) was XX/XX/XXXX. I was told by the agent on the phone that the account should have fallen off XX/XX/XXXX but just received dispute results and they are not removing the account. When I called back the Equifax representative tried to tell me that the account was not negative and thats why it wasnt being removed, which is not true. I feel like I am just being routed to call centers in XXXX with unknowledgable staff and given the run around when the issue at hand has a very serious effect on my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 1692e 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

15 U.S.C. 1681s-2 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

In addition as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and they have continuously used itemized documents to " verify '' my debt. Attached to this complaint I have several letters and documents contacting these collection Agencies as well as the credit bureaus to try and attempt to remedy this situation, as well as their responses. I also have a copy of my credit report attached to this with several of the inaccuracies specifically highlighted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with all 3 credit reporting bureaus and asked to provide proof of verification as well as validation for the bankruptcies appearing in my public records. I received letters stating that the information was verified via XXXX XXXX and that I should contact XXXX XXXX. I contacted XXXX XXXX and they found the information to be fraudulent and XXXX XXXX deleted the information. I contacted the credit reporting bureaus and mailed copies of the letter from XXXX XXXX and all three refuse to remove this inaccurate information.
Product: Mortgage

I asked my bank BBVA COMPASS BANK for a loan modification several ti times and they just say no without allowing me to do an application or anything.
Product: Debt collection

I have contacted XXXX XXXX several times concerning an account with them that the balance due is incorrect. The last communication was on XX/XX/2022 with XXXX XXXX at XXXX. I faxed my spreadsheet with backup to her attention proving I owed less than what they have credited me for. Also, I have been paying on this bill every month. 
The last communication is stated below : Attention : XXXX XXXX My spreadsheet listing every payment made to XXXX XXXX up to this point is attached, along with documentation from my bank showing you receive these payments. and the statement from Revco Solutions , Inc., I have fulfilled my responsibility by paying the set amount to pay that was determined by XXXX. I anticipate XXXX XXXX closing my account with Revco Solutions , Inc. and reporting any adverse comments to the credit bureaus that would impact my credit ratings. I also expect to receive a letter from XXXX XXXX stating that these demands have stood fulfilled. 
Furthermore, now XXXX XXXX has deleted my account out of their system so I can not make regular monthly payments as agreed upon. 
Sincerely, XXXX XXXX XXXX XXXX,
Product: Credit card or prepaid card

A charge was applied to my account in the amount {$.00} which was to be charged towards the line of credit. Never giving anyone authorization to charge my checking account paypal took it upon themselves to charge the above towards my checking account causing me to incur NSF fees from my bank. During a call on XXXX to PayPal manager XXXX promised to reimburse the fees after a follow up to my bank however they have not honored that promise and it's been over a month. The auto attempts of the {$.00} was done on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX totally {$210.00}. The agent XX/XX/XXXX named XXXX was supposed to follow up with me as well but of course that didn't happen either.
Product: Credit reporting or other personal consumer reports

Status of car loan account is listed as ( past due XXXX days ) ..four different times. No payment has been paid late. Called car loan company who confirms payments were on time. American Honda stated to have the issue fixed I needed to download a XXXX XXXX app and make a dispute. I have done this on several apps and have not seen any change on my credit report.
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 Bureau 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 : : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : 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 Account number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.