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

According to code 15 U.S.C 1681, my consumer rights are being violated as there are accounts listed as XXXX, XXXX and XXXX being reported on my Equifax report. 

1 ) Ive previously submitted a police report and FTC report showing I was a victim of fraud ( check your records ) and included these accounts 2 ) the accounts do not belong to me 3 ) Equifax refuses to provide documentation with a wet signature by me proving the validity and ownership of the accounts 4 ) none of the accounts match my records ( address, etc. ) 5 ) Equifax is the only bureau reporting this information
Product: Debt collection

Capital Accounts has been hounding me by calling repeatedly from disguised numbers, and through different agencies to make contact with me, after I have told them to never call me again. Today they called my home phone number and discussed my medical bills with my wife and attempted to pressure he to give them a Credit Card number for a debt that I have checked with the Medical Provider and this debt was paid. 

I have never given them permission to discuss my personal medical records with anyone, and feel this is just another type of harassment. The Bill which they are referring to is from a medical procedure which took place in 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... The items below should be deleted permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill the FCRA regulation but regardless of all my labors to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the following Items removed now! 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. A money order was made with the proper clauses and provision based on banking law in the amount of {$9000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Chase Sapphire Reserve XXXX XX/XX/2023. They accepted and cashed my instrument, but did not credit my account correctly. I did call on XX/XX/2023 and spoke with XXXX a customer care team member and then her supervisor XXXX XXXX and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Debt collection

On XX/XX/23 at XXXX pm I called Professional Account Management , LLC ( PAM ) regarding a collection notice I received in the mail. I requested validation of debt to the agent who was assisting me and she stated I needed to contact XXXX ( the company who sent me to collections ). On the collection letter I received from PAM, it states I can request that in writing. She never gave me that option. She just said I need to contact XXXX. The collection agency, Professional Account Management, is legally obligated to provide me with validation of debt since my alleged debt was referred to them for the collection amount of {$64.00}. XXXX 's records do not coincide with mine. I've uploaded pictures stating so. I have made payments. I just received another statement from XXXX today stating I owe {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW AND UPDATED INFORMATION *** XX/XX/2022, Equifax sent over a reinvestigation paper stating that the date of birth they have for me is verified as accurate. After, I provided them with an ID that clearly shows that I was NOT born in the year that they have displaying for me. I will attach my ID here for the record, Equifax is being willfully noncompliant and are violating me.
Product: Credit reporting

TransUnion did not address my situation. None of the accounts have been verified nor validated. I have reached out to all of the creditors for them to send me a copy of the credit application with my signature on it stating that I applied for these cards and they could not produce the paperwork. In XX/XX/2011 i was a victim of identity theft due to loosing my personal information some time ago. I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( XXXX cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Equifax Information Services , Inc. for knowingly and willingly committing violatons of my consumer rights. This information is inaccurate and very misleading and caused my credit score to drop significantly. Pursuant to U.S. Code 1681e ( b ) they should be reporting 100 % accurate information.
Product: Vehicle loan or lease

We mailed in a payoff check on XX/XX/. The company SAFCO still has not received it allegedly but keeps saying it's probably delayed but are you going to make another payment? They keep stating you should just cancel the check and I replied no, why would I do that. This led me to believe something was not right. The reps say there is no way for me to contact accounting myself and they just sent them an email because it should be there if I sent it on the 22nd. It seems they allegedly did not receive it so they can continue to get interest payments. It has now been eleven days and still no payoff applied. I had to make an extra payment on the car Friday so it more money for interest with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are some addresses that should not be reporting to my credit report. I have filed a police report. I also have proof of documents for my real address. Showing my utility bill and SSN. Please remove the others for they are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation AND THE ACCOUNTS ARE NOT MINE! 
Account Number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was unaware of the XXXX increase that was on my XXXX report. I had called and sent documentation to XXXX which XXXX failed to remove the XXXXXXXX XXXX, which I file an FTC report.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens XXXX mo XXXX XXXX XXXX XXXX, I presume no proof of the alleged debt, therefore any such debt, in fact exist.
Product: Checking or savings account

Netspend is engaging in a variety of deceptive banking practices in how they are running their XXXX XXXX prepaid checking and savings account combination. 

The checking account was supposed to give a {$100.00} cash bonus. After numerous customer service inquiries with chaotic and nonsensical responses, three CS agents in a row told me over 2 weeks that the {$100.00} bonus would be paid to my account NO LATER THAN XX/XX/22. That date came and went without a bonus. upon inquiry, another agent reversed course and said it would not be paid blah blah blah. This is deceptive and unfair. 

The savings account could only be opened after receiving a qualifying direct deposit. Upon receiving that DD, I was allowed to open the account, which comes with a monthly fee. The only reason the monthly fee is " worth it '' is that the account promises to pay 6 % interest. yet the account did not pay any interest for XXXX. they keep taking the fees but not paying the promised benefits. 

so I'm now in the red on this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Complaint Details I used XXXX Saturday XX/XX/2022 to transfer money ( {$1000.00} ) from my personal account at XXXX XXXX  ( my place of employment ) to another personal account at Bank of America. The money left XXXX XXXX  made it to Bank of America, and reflected in my account within seconds. Later that day, I checked my account and the money was gone. I immediately reached out to Bank 0f America to inquire about the funds and was told they do not have the money and that XXXX has it and I need to talk to XXXX. I spoke to XXXX and was told to reach out to my banks, they only service the transport of funds and do not hold them. I called XXXX, which is my place of employment and they provided proof showing the money transfer was completed and delivered. I was told by Bank of America I called Bank of America back, spoke to XXXX and got a different story. I was told the money is being held due to fraud ( Not sure why ). I was also told on Saturday XX/XX/XXXX, XXXX will take 5 business days for my money to post to my account. I told them I can provide proof of who I am. I just need my money. I called everyday the week of the XXXX  and still they are holding my funds. After visiting the banking center trying to get my funds deposited into my account I chatted with a representative from Bank of America who said the money will be deposited midnight XX/XX/XXXX. Today is XX/XX/XXXX, still no deposit. I am begging you to please help ke. I am a widow and only work 20 hours a week to survive in addition to my social security income. {$1000.00} is a lot and I need my money to pay my bills. Please help me. I would truly appreciate it. Thank you in advance. XXXX XXXX XXXX.
Product: Credit card

Someone has been using my Identity to open a car loan, a us bank account of some sort, there's other accounts opened but i am not sure what these consumers are I never heard of them. I filled a police report with the XXXX XXXX police department in California because My car was stolen with all my personal items and personal info and i believe thats how they got a hold of my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX  ) has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Product: Debt collection

I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company.
Product: Checking or savings account

XXXX atm fees when I used a Wells Fargo atm XXXX was notified regarding data breach had to change my debt card XXXX Overdraft fees when I had money in my account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) responded regarding the account ending in XXXX, purchased from XXXX XXXX XXXX  XXXX verified the account was opened on XX/XX/XXXX, and stated a balance of {$450.00} was due at the time of purchase. They indicated that an initial notification letter was sent on XX/XX/XXXX, and no disputes were recorded as received. 

XXXX affirmed their compliance with all applicable laws and indicated that they have the right to report account information to consumer reporting agencies without customer permission. They initiated a dispute investigation and have notified the reporting agencies of the dispute, emphasizing their commitment to reviewing all relevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bk Chap XXXX thats was discharged on XXXX XXXX that a few accounts have reappeared on my credit as NEGATIVE and reporting as Late over 120 days, and over 150 days and Collections. Ive contacted the companys and I was told there look into it can take 30 to 35 days and Experian and XX/XX/XXXX can take up to 90 days to update my credit reports. These companys are putting it was in BK then on time there saying LATE,. COLLECTION etc, and there showing all the months I was late 1. XXXX XXXX XXXX  there reporting in Status as ( Late over 120 days ). As of XXXX. 2. XXXX XXXX there reporting in Current status as ( Collections ) as ofXX/XX/XXXX. 3. XXXX XXXX got cleared up BUT XXXX  still reporting ithis account as NEGATIVE when it was discharged in BK 2 years ago 4. XXXX  XXXX XXXX is on my Experian report as a Negative account on my credit report when they were discharged in BK Ch XXXX two years ago 5. XXXX XXXX is being reported as Over 150 days late with a late balance of {$1200.00} When it was changed to Current With nothing Past Due 6. XXXX XXXX XXXX  is being reported as NEGATIVE when they were Included in BK and discharged Two years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Non compliance of FCRA and Metro 2 compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice fraudulent activity on XXXX XXXX with recent credit cards open
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Old account with XXXX XXXX where debt was owed in XXXX of XXXX has been paid in full as of XX/XX/XXXX. Debt collection company, Credit Management LP refuses to remove collection and continues to falsely report on credit report as derogatory and seriously past due with no current balance. Attempts have been made to dispute collection and Credit Management , LP continues to report debt as accurate which is simply inaccurate.
Product: Debt collection

My personal cellphone is listed on the Do Not Call registry but this debt collector ( XXXX XXXX XXXX ) persists in contacting me in relation to a debt allegedly owed by my ex-wife. They have no right to do so.
Product: Checking or savings account

A few days After depositing a check i started to have an issue with logging into my account online so i reached out to customer service regarding the issue and they said my account was blocked due to pending closure they didnt notify me of the situation nor were they able to give me a proper reason to why it was being closed, i am getting my irs Refund into this accountnbecause it was the bank account i provided when i filed my taxes and i dont have time to wait for the direct deosit to reject and so on so inneed to find a way to reverse the close out or be able to access my funds there is no physical branches to even go to
Product: Credit reporting or other personal consumer reports

I received an alert this morning ( XX/XX/2024 ) from one of my credit monitoring subscriptions that a " new hard credit inquiry '' has been added to my credit file. From ; Barclay 's BanK DE. I did not apply for credit with Barclay 's or any of their credit cards they service. Upon contacting Barclay 's I asked repeatedly for an understanding as to how this is possible and they only would refer me to the reporting bureau. I also asked twice for a supervisor ; XXXX call I was placed on hold, then hung up on. XXXX call, XXXX seconds later, no supervisor was available