23daVinci/CFPB_Complaints huggingface dataset:
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 TRANS UNION 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 a personal credit card account from XXXX XXXX under the account number XXXX, an personal loan account from XXXX XXXX XXXX under account number XXXX, an personal credit card from XXXX XXXX under the account number XXXX, an personal credit card from XXXX XXXX XXXX under the account number XXXX, an personal loan from XXXX XXXX  under account number - unknown, a credit card from XXXX - account nuber unknown, an account from XXXX XXXX XXXX XXXX XXXX - account number unknown and inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 Number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Purchased a product promising free extra service time that was never delivered for approximately XXXX dollars. 

Attempted to return misleading product on XX/XX/2020 and was denied. 

Card issuer also denied dispute.
Product: Credit card or prepaid card

Good Evening, I Bought a television over a year ago for close to {$1500.00} with a CITI Best Buy credit card shortly after getting the credit card. Have been paying on the card now for over a year no issues. Two months ago XX/XX/2018 I noticed that my minimum payment had increased dramatically. I thought nothing of it, and I payed the bill. The next month XX/XX/2018 I noticed the same issue. I decided to open my account, and take a look at the activity to see what was going on. I started to dig, and noticed a {$1000.00} interest charge. I thought that there might have been a mistake, so I called their help line on I believe XX/XX/2018. I talked to the phone operator, and was told that there was no mistake, and that I had signed up for a no interest year and a half, or two year financing plan. I was told that I did not pay the debt off in time so they charged me a ridiculous amount for interest. I did not sign up for this program, and tried to explain this to the phone operator. I got nowhere with him so I asked to speak to the supervisor. I talked to the supervisor, and she informed me that she could extend the payment deadline to XXXX  that night to pay off the XXXX debt, but no further. I had called them around XXXXXXXX XXXX  so roughly 7 hours to pay an unexpected bill of XXXX $ to avoid a XXXX fee while I was in the middle of paying my bills. I told her that I did not have the money right then and there, but if she could extend the deadline to my next billing date I would be happy to settle my bill. She said this would not work, and 7 hours was the best she could do. I did not sign up for this program they are committing me to, and I would like to resolve the issue as soon as possible. 

Thank you for your time.
Product: Money transfer, virtual currency, or money service

Western Union was the wire transfer agent for XXXX XXXX in a transaction that sent XXXX Reals to XXXX. There final exchange rate was XXXX Reals for XXXX USD but online they advertised XXXX Real for XXXX USD this comes out to a difference of close to XXXX USD. Why was there such a large discrepency between advertised exchange rate and working exchange rate. In addition, the disclosure on the exchange rate was hidden in a pdf file. not clearly labeled. Horrible transparency on exchange rates for this wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 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 XXXX 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

On XX/XX/2021, I received a check from my mortgage company for an escrow refund. 

They claimed I had overpaid by escrow by {$1300.00} and they were sending me a check. 

I logged onto my homeowner insurance 's and noticed my {$1600.00} annual payment had been missed. The insurance payment was due XX/XX/XXXX and the escrow company / mortgage servicer forgot to pay it. 

This is unacceptable. The insurance on the house would have expired if I hadn't logged on and checked.
Product: Debt collection

the collection agency calls me and just are nasty. they using profanity and threaten me stating I better pay my bill. I asked for a supervisor and instead they hang up on me. I know that for the time they are saying I owe I had health insurance. so I do n't know why I owe them money.
Product: Credit card

My payment allocation that was $ XXXX, well above the minimum payment, was not applied to my highest interest portion. It was applied to one of my 0 % interest portions. 

I called US Bank as to why this was done and they said it was in my agreement- which it is. However, I recently was told that the XXXX  Credit Card Act does not allow for waiving my rites under this act. 

Please advise. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This company is also furnishing data without my written consent in clear violation of 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 1692C Without the prior consent of the consumer given directly to the debt collector or the expeess permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

The Aspire credit card company agrees they owe me a refund of {$18.00}. However, while they insist upon sending me a check in the mail... they never do. Numerous emails and phone conversations indicate they will send the money, but find excuses such as not having my address when it has never changed and is registered clearly with the company.
Product: Debt collection

I disputed this on my credit report and have asked them for doc to prove this belongs to me and not someone with similar name. They have provided me any proof and when this was and who the orginal creditor was.
Product: Credit reporting or other personal consumer reports

Experian, and XXXX not doing their job, this is my multiple complaint do delete this accounts XXXX  XXXX Bankruptcy XXXX Court : US BKPT CT NJ XXXX XXXX XXXX Bankruptcy XXXX Court  : U.S. Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my XXXX XXXX back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit report.
Product: Credit card or prepaid card

In XXXX of 2022 I noticed my XXXX score dropped which led be to investigate why. I pulled my credit report and i noticed an XXXX XXXX card used at macy 's under my name. I called macy 's and reported I have closed my account with them a few years back secondary to having problems not receiving a physical card after multiple attempts. They told me they will do an investigation and get back to me. In the mean time I reported the fraud to transunion. A few weeks passed and my XXXX  score was restored to it's normal score. I though the issue was resolved, however I received a latter from XXXX XXXX saying I owed them for the charges on the card. I called macys and reported the situation in which I was told I no longer owe them any money as the issue has been resolved and my case has been closed. A few weeks pass and now I receive another later from a city bank with Macy 's latter head stating I owe them XXXX the money I supposedly owed before and that I need to pay them, I explained the situation, however the person was rude and was not wanting to listen to what I had to say. I called back Macy 's again and this time I asked for a supervisor who stated there might be a foul play in which my information at Macys might have been compromised and they will do there own investigation and get back to me. In the mean time my XXXX  score has dropped again. At this time I feel that Macy 's do not have my best interest and they are borderline abusing me. My XXXX  score is important to me at time as I am in a process of getting qualified for a mortgage loan. Please help.
Product: Credit reporting or other personal consumer reports

FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ACCOUNTS ARE DAMAGING MY CREDITWORTHINESS On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

This account was included in the BK filed in 2017. After multiple letters to XXXX and the company, they are still showing the amount of XXXX. Please delete or update account with proper XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX Balance Owed : {$6100.00} ; ACCT XXXXXXXX XXXX XXXX Balance XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$900.00} ; XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; and XXXX XXXX AV XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Debt collection

Around XXXXXXXX XXXX XXXX XXXX XXXX reached out to me about an alleged debt that they were assigned from Current Owner : LVNV Funding LLC as of XXXX XXXX. Upon receiving the notice I contacted them to let them know the account isnt mine and Ive notice several inaccurate personal information such as my name, addresses, and other personal information. I informed them I am a victim of identity fraud and sent the documents they wanted to clear my name but to no avail I am still going through this ordeal
Product: Vehicle loan or lease

The account number for TD Finance is XXXX and im gon na make reference to the old complaint XXXX because I been asking for the authorization to move the vehicle to Puerto Rico and they answer me that go to DTOP to start the process but for the process the authorization has to be notarized. 

I appreciated for all your information in the past complaint and all the hrlp you can give me with this last step. 

thank you
Product: Debt collection

I went in the XXXX XXXX XXXX XXXX XXXX IN XXXX, because i was with lot of pain in my XXXX. They toke my information by the reception window and ask me to wait for a call. After XXXX hours no one call me or give any medication, pills or even ask me any question. My son arrived after the XXXX hours pic me up and took me to XXXX  XXXX in XXXX where I was attend in XXXX minutes. 
Now I'm receiving calls and letters to pay {$650.00} for what...??? Registration?
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX . I request that my current address be updated accordingly.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rocket Mortgage , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also sent to : Rocket Mortgage , LLC, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX RE : Loan Number : XXXX Dear Sir/Madam : I received a call from the Rocket team on XX/XX/XXXX, which I have it transcribed as shown herein : Hi my name is XXXX XXXX I'm calling from the rocket mortgage insurance team home loan provider of XXXX XXXX bank I XXXX calling in regards to the email we received him regarding your homeowners insurance information him it looks like what happened was the policy your homeowners policy that you previously had with XXXX him for the XXXX to XXXX term had canceled due to nonpayment we had not issued a payment from escrow because your hazard or homeowners insurance was a non-escrow at that time and we is the mortgage company are able to backdate 12 months which would put it back to that XXXX him XXXX timeframe and we did not realize the policy is canceled until this year when we were trying to obtain the renewal um if you have any additional questions feel free to reach us our direct line to the insurance team is XXXX based on your letter I would recommend reaching out to them with us directly am due to them sending a refund back to you um for possible duplication of payment from an escrow account that we had not made him once again if you have any additional questions feel free to give us a call XXXX thank you have a good day It is not clear if this is for the XX/XX/XXXX to XX/XX/XXXX time-period or the XX/XX/XXXX to now period. 
If it is for the policy period of XX/XX/XXXX to Now period, I have already provided proof of insurance from the XXXX XXXX, specially the Insurance Declaration and copy of the www.mycoverageinfo.com. Please see the attached pages. The policy period is shown as XX/XX/XXXX to XX/XX/XXXX. 
If it is for the period of XX/XX/XXXX to XX/XX/XXXX, it is not clear what happened. We did not receive any notices from Rocket Mortgage or the current insurance at the time during these 14 moths ( Emphasis added ). Normally, insurance or mortgage companies give at least two notices before taking any action. Apparently, Rocket was sleep at the wheel for a period of 14 months. I suggested Rocket have me sign a letter of no-claims for this time period. XXXX thing is for sure is that I will not pay {$67000.00} for a period of no claims and Rockets error. They state this will COST {$67000.00}. What did they do for this? Also, it seems that notice date was XX/XX/XXXX, but it was delivered on XX/XX/XXXX. 
I will file, as I outlined in my previous mail, and take this matter to court. Please kindly indicate your Florida business office address in one week to file the claim in XXXX XXXX XXXX. If you do not cooperate, I will make an inquiry with the Florida state business directory. 
In addition, I will contact the XXXX XXXX XXXX and file a complaint. 
Regards, XXXX XXXX XXXX
Product: Debt collection

There are several accounts on my credit report that I did not authorize. I am requesting their removal as I believe they are fraudulent.