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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : 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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX are reporting late payments status on my reports when there's an arrangement in place vans no late payments statuses should be reported- this is inaccurate and violates my rights according to 15 US Code 1682 and 15 US Code 1692 amongst other - account : XXXX - XXXX XXXX has notified them of payment and shouldn't be reporting late per agreement
Product: Credit reporting or other personal consumer reports

I have requested a thorough investigation into these accounts several times, yet the credit bureau has not addressed their inaccuracies. Experian is currently under scrutiny for not properly investigating accounts, and I would like them deleted, especially after multiple attempts of disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financil instutuion is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

In 2014 Bank of America inexplicably shut all my bank accounts along with some longstanding credit cards. No reason was provided and no appeals process made available to me. I was at a complete loss and had to scramble to open new accounts, causing me to miss credit card payments and severely harming my credit score. I was not aware of the CFPB so i did n't file anything back then. A week and a half ago i tried opening a new account with BofA but got a response that " based on our records we 're unable to open new deposit products or services '' for me. I thus turn to the Consumer Protection Bureau to get some answers ( which BofA has refused heretofore to supply ). Tnx
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX Account XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I have a paid invoice which the merchant still has not been paid or the funds made available to the merchant. Now my invoice shows its paid but PayPal claims it was cancelled. so it should be in my PayPal balance but is not and never was. Nor was the invoice that says paid, paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX for XX/XX/18. Experian is fully aware that in the past, information in my file has been mixed with someone else who has a similar name. Experian should have measures in place to prevent this from happening, however it continues to happen because currently there are six ( 6 ) errors in my file. These errors include two ( 2 ) incorrect names, three ( 3 ) incorrect addresses and one ( 1 ) incorrect notice. I only have one name : XXXX XXXX XXXX. That is the only name that should appear in my credit file. There should be no other name variations whatsoever. Personal Information in my credit file is incorrect, mixed with someone else and does not belong to me. Please delete the following NAMES from my file : XXXX XXXX XXXX ; NAME IDENTIFICATION NUMBER : XXXX ; XXXX XXXX ; NAME IDENTIFICATION NUMBER XXXX. I only have one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is the only address that should appear in my credit file. Please delete the following three ( 3 ) ADDRESSES from my file as they are mixed, incorrect and do not belong to me : XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX. Please delete the following NOTICES from my file as this is not my business and I have never done business or obtained legal service of any kind : The address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have provided a copy of the credit report with errors highlighted. Attachments : driver license, social security card, copy of credit report with errors highlighted, copy of XXXX reinvestigation results showing address deleted due it being " mixed '', copy of XXXX reinvestigation results showing address deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Couldnt Log Into My Online Account With Equifax, It Was Prompting Me To Call In To Their Customer Service Line. I Had A Hard Time Getting A Hold Of An Agent And Then I Finally Got XXXX On The Line, Who Was Rude And Patronizing. XXXX Purposely Flagged My Account Forcing Me To Mail In Identity Documents, EVEN THOUGH SHE WAS ABLE TO SEND A TEXT TO MY PHONE FOR ME TO UPLOAD MY DRIVERS LICENSE. I wasnt happy about taking a selfie, XXXX Refused To Give Me Her Agent ID # And I Had To Ask To Speak With A Supervisor, She Transferred Me To An XXXX Agent # XXXX. This is ridiculous and Equifax needs to hire agents in the USA, i highly doubt that womans real name was XXXX, thats her fake American Name. I called in around XXXX EST on XX/XX/2023.
Product: Debt collection

XX/XX/year>, a vague letter was received from XXXX. No information was provided as to why XXXX needed to be contacted. When calling XXXX ( using my mothers number ), information as to what the call was about was denied by XXXX. XXXX required my personal information with no reasoning as to why especially since this was supposedly about my deceased mother. I had to research who XXXX was because they would not provide that information either. 

XX/XX/year>, XXXX called my personal number ( which was never given ) and made several calls to my mothers number who passed away. I requested XXXX to not call again since they would not provide any information as to why. 

XX/XX/year>, XXXX choose to ignore my request in XXXX and call my mothers phone again. 

I contacted the XXXX shortly after and XXXX XXXX from XXXX wrote back and denied harassment and wrote a letter full of gaslighting. No apologies, nothing. This company uses software to find and harass families in regards to the deceased estates. My mother was extremely diligent on paying off any debts straightaway, as am I. 

Shortly after contacting the XXXX XXXXXXXX took down their XXXX reviews. There are websites telling people how to work around XXXX. I would be ashamed to work for a company like this.
Product: Debt collection

A loan company by the name of tower loan has called me over 5 times in the same day even though I made a payment that day. Tower loan is the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with XXXX, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : SANTANDER CONSUMER USA Account Number XXXX and XXXX XXXX XXXX XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I am late on my payment due to unforeseen life circumstances and I called to defer my payment so I can get current again. They agreed but said there would be a XXXX XXXXXXXX interest fee to do so. Then he ( XXXX XXXX put me on hold and came back and said he got it reduced to {$400.00} and that it would stay open for a week or so then go away. He said this is based on my days late and that I should agree not to lock in the {$400.00} over the {$900.00} because if not it will go up. I asked if this was a fee or interest, he said a fee, but its interest. He made no sense and could not explain it in a way that did, and if the deferment would be in place or not. He said they agree to the deferment and it will stay open until I pay the fee. I told him it cant be a fee AND be interest so is the FEE being applied to interest and he could not answer. I asked for a supervisor that could explain this to me better because I was not understanding this. He then transfered me to XXXX XXXX and she could not explain it either. I requested something in writing that explains this and what I would be agreeing to and she put me on another long hold and came back with nothing and said she would transfer me to someone that could explain it. I said thats what the last guy was supposed to do, and asked if she was a supervisor, which is what I requested and she said she was not. So they basically wanted to just keep transferring me around to reps until I just accept this term that makes no sense or give up. I asked for a supervisor and she said she has to put in a request which I had her do and I have to wait for them to call me back. I asked her how long and she said a few hours to a few days, they were all busy helping other people. I have had MANY auto loans and I have NEVER had this kind of FEE/Interest charged when deferring payments. This seems very high pressure and a sketchy way for them to rip people off that are already falling on struggling times trying to keep up. Someone please let me know if this is legit. Because of this they said my 30 day credit will take a hit, they really have no sense of urgency to assist clients, I expected FAR better service from Mercedes Benz, let alone service that seems very sketchy combining Fees with interest, which I do not think you can LEGALLY do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and NAVY FCU with no successful resolution. There was definitely an error on their part.
Product: Debt collection

On or around XX/XX/XXXX, I was notified by XXXX I had a new collection added to my reports, damaging my scores. I saw that AGC Credit LLC reported this account as new/opened inXX/XX/2020.I have never received any sort of notice ( written or otherwise ) from ATG Credit regarding this debt no phone calls, no letters, e-mails, nothing. 

This debt has been submitted to the credit bureaus as a new opened collection starting XX/XX/2020, even though they have NEVER made contact with me or verified the debt, and even though this account in particular was charged off by the original creditor over two years ago. 

Collection entries related to the same debt share their expiration with the original debt, and must be reported this way. In this case, ATG re-aged the debt by reporting a different open date, violating my rights and damaging my credit score. They also failed to give me any notice or verify the account before adding it to my report and damaging my credit Ive tried hard to rebuild.
Product: Credit reporting

I am submitting this complaint about transunion. I have disputed several things on my credit report and I keep getting letters stating they need additional time. To my understanding I am to allow 30 days for a company to respond. If they do not respond within 30 days it is to be removed. I tried going online to view my transunion credit report and it will not allow me to do so. I also called several times and am always re-directed as my credit file is in with the identity theft dept. I keep getting an answering machine. I am trying to get my updated credit report to make sure this incorrect information was corrected. Yesterday XXXX/XXXX/16 I received another letter that they need an additional 15 days. Last month when I was able to get online I kept disputing the same information. Usually if something is under investigation you ca n't dispute it. The system kept letting me dispute the incorrect information that tells me that they are not investigating my dispute. I am trying to obtain credit and with all this incorrect information on my report is making it difficult for me. My credit score according to XXXX is very low. Something is def wrong because my score should be going up not down. I ca n't get a report nor get to speak to anyone so I am submitting this complaint because I have no idea what my credit report looks like. I also have been trying to dispute XXXX deragatory remarks from XXXX that also is affecting my credit score in a negative way. I was told under legal counsel that these XXXX remarks for XXXX account is unheard of and if anything only XXXX negative remark should be reporting. I was told under legal counsel that this is to further affect my credit.
Product: Payday loan, title loan, or personal loan

I didnt request anything from whomever this they are spam texting make it stop XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX Inquiry - XXXX XXXX XXXX XXXX XXXX Equifax Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry 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 Attached you will find an email from XXXX acknowledging the unauthorized attempt, as well as proof that they were aware of our cancellation on XXXX XXXX 14 days before the unauthorized credit inquiry.
Product: Payday loan, title loan, or personal loan

On XX/XX/18 husband and I signed up for a vacation club membership through XXXX XXXX XXXX ( XXXX  ) costing {$26000.00}. I put {$6000.00} down on my credit card and the remainder {$20000.00} they opened an installment loan for {$10000.00} each for me and my husband. We never received product/service purchased but were making payments to Universal Accounting Services ( UAS ) since XX/XX/2018. As I was not getting resolution from XXXX, I contacted UAS about my loan and wanted to cancel. They stated they were just the billing company for XXXX  but would open up a case to cancel our accounts and submit it ( XXXX-case # XXXX, XXXX-case # XXXX  ). This was on XX/XX/18. On XX/XX/18, UAS called stating that XXXX  rejected our request. I have called XXXX  XX/XX/XXXX - end of XX/XX/XXXX to resolve this, then filed complaint with XXXX. On XX/XX/XXXX UAS again stated that XXXX rejected our request to cancel the contract. I stated we were retired and living on a fixed income and can't pay for a product/service we don't have. This is a financial hardship for us. She stated she would send the request again. Nothing has happened and they still are sending me bills for a product/service I don't have. I can not be paying for this any more. I filed a complaint with the XXXX  and now the Missouri AG on XXXX. I am going to stop paying them now.
Product: Debt collection

I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX XXXX Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from Citibank needed as my debts with Citibank were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach two recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the XXXX, XXXX Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : Citibank , NA no longer has a legal right to collect under restrictive guidelines in the XXXX Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, Citibank had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX , XXXX and a debt collector named XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX , XXXX. There is no historical connection of a purchase of any debts from Citibank , NA, and my information was obtained by an illegal debt pooling process Citibank uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX , XXXX . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by Citibank , NA, XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX permanently. A follow up complaint will be submitted to the XXXX, XXXX Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.
Product: Debt collection

TD Bank company filed a lien against me in the court of common pleas of XXXX XXXX This debt does not appear on my credit report TD Bank has not provided proof of debt, time of debt, or proof of payment of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above. 

Personal Information is attached on my FTC Report Telephone Numbers 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 As well as any Inquiries that have been reported within the last 18mths Please understand I can only list from the file which I received from TransUnion, Onc

e I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. I demand TransUnion to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, You are Required to remove and bl
ock these transactions from being reported to my consumer report within 4 days. 

I advised TransUnion to make sure they have my expressed written or verbal consent before reporting any personal or private info. 


Police Report Case # XXXX FTC Report Attached Notice of Furnishers w/FCRA Laws Attached