23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX  Account : XXXX I have previously disputed the above referenced account twice and the item was deleted from the credit file on the subsequent credit report. However, now the item have reappeared on my credit report as of XX/XX/2018. This company is not license to collect in the state of Texas. Each time the account is removed then reinserted.

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a stat. ement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
Product: Debt collection

On XXXX XXXX, 2016 I began receiving up to three calls daily from what I believe is XXXX/ASCI Collection Services ( www.acsi-collections.com ). In the past month I have logged nearly fifty calls from eleven different phone numbers with similar calling patterns. To date, no call has ever left an intelligible voice message. I 've resorted to whitelisting contacts in my address book. 

As described on their own website, this company 's calling infrastructure is fully automated and allegedly makes up to XXXX unsolicited calls every day. 

I 'm complaining because I 'm almost certain that the debt in question is a case of mistaken identity. I have incurred no significant debts, past or present, and my credit score is excellent ( XXXX ). This company boasts about its ability to harass debtors and does n't bother to identify itself or provide contact information when they call.
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 violates 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 error resolution requirements under the electronic fund transfer acts ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Finance made an unauthorized inquiry on my credit report on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the matter referenced to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of this alleged debt, nor therefore any such debts exists. 

Furthermore, I request that you update your records accordingly to reflect my dispute and cessation of communication. I trust that you will handle this matter with the utmost urgency and professionalism. Failure to comply in a timely manner may result in legal action being taken against Experian.
Product: Debt collection

On XX/XX/2017 I was contacted on my cellular phone while in class at XXXX Central Time by ( at that time an unknown female caller ) my caller ID listed the call as originating from ( XXXX ) XXXX. Upon answering the call there was absolute silence for about 5 seconds and then a few clicks and the caller asked for me by name and then stated the last 4 digits of my SSN and asked if it was mine I replied " um hum '' and then she asked me for my student ID number from the last college I attended. I asked her what the call was about and she just kept asking for me to verify my PII I then asked her who was calling and she refused to answer. At no time did she ever disclose at all the purpose of the call or even what business she was calling on behalf of. 

I asked her to just mail me whatever she was calling me about and she asked me to verify my address and I told her to mail the info to whatever address they had on file as I thought the call may have been some sort of phishing scam. She then repeatedly replied " So you do not want the information '' I repeatedly stated to just mail it to whatever address they had on file. After a bit of back and forth I informed her that I did not ever consent to calls on my cell phone and for whomever was calling not to contact me by phone again. At this point she asked if I wanted to speak to her supervisor and I said sure. At this point she disconnected the call so I called the number back that appeared on my caller ID and it connected to dead air and I was quickly disconnected. 

On XX/XX/2017 I received a collection letter from Alltran XXXX dated XX/XX/2017 for a debt allegedly owed to The XXXX ( Which I do not owe ) asking me to contact their office. On XX/XX/2017 I called their office thinking it was possibly their office that called me on XX/XX/2017 with the phone call that was in violation of multiple State and Federal laws. The individual I spoke to confirmed that it was them who called on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent Account Reporting Identity Theft ( BMO Harris Bank N.A . ) Message : I am a victim of identity theft. My personal information was stolen, and as a result, three fraudulent accounts have appeared on my credit reportsaccounts I did not authorize, open, or recognize.

One of these fraudulent accounts is being reported by BMO Harris Bank N.A . : Account Number ( partial ) : XXXX Account Type : Installment Unsecured Loan Account Status : Closed Date Opened : XX/XX/year>2018 Balance : {$0.00} High Credit : {$15000.00} Number of Months ( Term ) : 60 I have never applied for, registered, accessed, paid for, or signed any documents or contracts associated with this account. It is not mine and has nothing to do with me. 

To resolve this, I have : Filed a report with the FTC and obtained an Identity Theft Report. 

Completed and notarized an Identity Theft Affidavit. 

Submitted multiple written disputes to all three major credit bureaus ( XXXX, XXXX, and XXXX ) with supporting documentation, including copies of my ID, proof of address, and the FTC report. 

Made several phone calls to the credit bureaus requesting immediate removal. 

Despite these efforts, this fraudulent account still remains on my credit report, damaging my creditworthiness and causing me XXXX  and harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and spoke with all three Credit Bureaus XXXX, Equifax, and XXXX   about XXXX XXXX, XXXX XXXX, XXXX XXXX and Milestone credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX Bank was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that EXXXX, Equifax, and XXXX  is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged stage as the accounts are now discharged.
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple unauthorized accounts appearing on my credit report, which are negatively impacting my credit score. Despite my previous complaints and requests for investigation, these accounts have not been removed or corrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611, 605B, and 623, I am entitled to a credit report that is accurate, fair, and reflective of authorized transactions only. 

I have reason to believe these accounts were fraudulently opened by a third party without my permission. I did not authorize, open, or use any of these accounts. These inaccuracies continue to harm my credit, despite my repeated efforts to resolve this matter. 

Unauthorized Access and Fraud : I believe these accounts were fraudulently opened by someone with unauthorized access to my Social Security number. Under FCRA Section 605B, I request the removal of these accounts based on identity theft. 

Inconsistent Account Status : Several accounts show conflicting information, such as being listed as both opened and closed or containing incorrect dates. Under FCRA Section 611 ( a ), which mandates the reinvestigation of disputed information, I request that these inconsistencies be corrected. 

Duplicate Account Entries : A duplicate account appears, further harming my credit score. FCRA Section 623 ( a ) ( 5 ) requires furnishers to provide accurate information ; therefore, I request the removal of duplicate entries. 

Dispute Resolution Confusion : Some creditor remarks incorrectly indicate a prior dispute was resolved, while the dispute status for those accounts remains account not disputed. This inconsistency violates FCRA Section 623 ( a ) ( 3 ), which mandates that furnishers update disputed information accurately. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX 26 POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$980.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX, XXXXXXXX LENDING LLC 6 POTENTIALLY NEGATIVE MONTHS Credit usage 23 % Balance {$580.00} Balance updated XX/XX/XXXX Credit limit {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, Experian, and XXXX. They have not been answered. There are multiple accounts that I do not recognize and have not received validation for. I have not gotten any response back from the credit bureaus. I have attached my disputes to this complaint. Please assist me in having them investigate.
Product: Checking or savings account

Today, XX/XX/23 I was checking my XXXX account information and realized there was an alert from XXXX which stated I had opened a new banking account with Fifth Third Bank. However I did not open an account with this bank, nor have I ever to my knowledge. I called to report it as fraud, and was told over the phone that they both did and didn't see and account, still confused by that, or at least the representative said there was a profile but no account, but then kept referencing an account. I was then transferred to the dispute department to dispute the profile, however I was told I couldn't dispute this fraud as the profile was incomplete. I tried to emphasize that this was fraud, and tried to offer to give them any information needed so I could properly have it flagged as fraud, the representative may not have heard me though, she kept saying I was cutting in and out. However I could hear her perfectly, so I'm not too sure how true that is I then asked to speak to a supervisor to better understand what was happening. The supervisor kept asking for my name, then seemingly pretended to be unable to hear me and hung up on me after a minute or two. All I want to do is ensure there is no account with my name/SSN on it with Fifth Third, as well as dispute and mark as fraud the profile they have on file. However it would seem there is no way to do this. It seems downright illegal that Fifth Third is allowed to operate like this.
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 the Equifax 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 consist of a personal retail credit card account opened at XXXX on XX/XX/year>. Ive attached a copy of my Equifax credit profile maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my Equifax report maintained by you were not opened, made, or initiated by me. This aforementioned account XXXX is 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 the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inaccurate account in collections on my transunion credit file and an ( XXXX XXXX ) unauthorized inquiry I contacted them about with no success in removal. These same items were successfully removed from my other credit files. I desired for the collection to be investigated along with the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate, unverifiable information. This information is gendering me and affecting my everyday life. Im unable to apply for things. Ive sent Experian validation letters asking for validation on these incorrect accounts. They respond saying they are verified but are not showing me how they are. I have asked for this information since last year 2022. I want to take action now.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries Credit Acceptance XX/XX/year> Credit Acceptance XX/XX/year> Credit Acceptance XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

While trying to settle my father 's loan obligation with a reverse mortgage company through the sale of the property, loan servicing company repeated delayed providing a payoff statement. I have been provided erroneous information since the first day I requested information on the process. I fully believe this company is delaying payoff to benefit from foreclosure. The property is under contract and was to close XX/XX/2017 and as of this date XX/XX/2017 a payoff statement has not been provided ; my original request was send XX/XX/2017 at XXXX via fax and email. If I do not receive this payoff today the buyers attorney will be forced to return funds to their lender thus the sale of this property will not go through. While I have requested to speak to a supervisor, I have been forwarded to a voicemail ; I have emailed the supervisor and have received no response. I am being treated unfairly and my attorney is now involved. This lender will have caused me to lose the sale on this property and they will proceed with foreclosure activities.
Product: Credit card

XX/XX/scrub>XXXX XXXX XXXX XXXX online purchase totaling {$98.00} @ XXXX one hour later receive email item was unavailable and refund was issued @ XXXX My bank was CHIME I called chime and was told the money was refunded and would show up on my balance in 3 business days I called chime again after 7 business days and was told the money was put back but it never was this is my second incident On XX/XX/year> I made an online purchase from XXXX and later was refunded XXXX XXXXXXXXand the same time happened my money was never refunded I was send confirmation number from XXXX and I gave those number to chime and they said it was already back on my card but the money never came
Product: Debt or credit management

Cash app took money from me and I tried to contact them and I had no success. There was no telephone number to be able to speak to someone in a live manner of the issue. And the problem was never resolved.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent written correspondence via Certified U.S. mail to Credco requesting that they delete 1 inquiry on my credit reports dated XX/XX/XXXX considering that I did not authorize anyone employed at CredoCo to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Credco bearing my signature. Please delete this 1 inquiry from my report.
Product: Credit card

XX/XX/2023 : charged XXXX to XXXX card. Sent payment of XXXX through my online banking to Community Capital Bank on XX/XX/2023. XX/XX/XXXX, I spoke with representative to dispute claim of amount owed of XXXX. States payment not received. 
XXXX XXXX : Went to my bank and spoke with teller at window for assistance with filing electronic transmittal form ( request of representative from XXXX ) The teller was unable to assist with this so I returned to the bank on XXXX and spoke with a relationship banker. He verified that the check from online bill pay was sent. 
XXXX : During this time I was disputing the claim and following instructions from my banking online and communication from Comenity Capital Bank. During a 3-way conversation with online bill pay representative, CCB representative , and myself I was asked to give the full credit card number which I did. I was informed that " one number was wrong and it has been updated thru my online bill pay account ''. A new check was sent from my bank to CCB. However, my prior payments have always been processed successfully. I closed my account thru correspondence with CCB after paying a late fee of XXXX XXXX XXXX. The late fees continue.
Product: Credit reporting or other personal consumer reports

I have summitted several disputes to all 3 major credit reporting bureaus ( XXXXXXXX/Equifax/XXXX ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date XXXX and XXXX report a high balance of {$17000.00}. Equifax is reporting a high balance of {$16000.00}. XXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX Equifax is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX and Equifax are reporting this account as derogatory. XXXX is reporting this account as " PAID ''! XXXX and XXXX are reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXXXXXX XXXX is reporting an XXXX and XX/XX/XXXX payment history as PAID while Equifax reports them as 30 and 60 days late? which is it? did I pay or not? XXXX report no payment history at all. ALL reporting a {$0.00} past due amount. How is one reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.