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

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX On [ XXXX 2020 ], XXXX 's took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit score, which in return affected my chance in renting apartment and financing a car later on.
Product: Vehicle loan or lease

Company failed to provide notice of repossession, illegally repossessed vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

On XX/XX/XXXX I received an alert from XXXX XXXX concerning a collections in the amount of {$4200.00} from NATLCRSYXXXX XXXX XXXX XXXX XXXX ( original creditor ). I do not know where this place is. I am born and have been raised in the State of MS almost my entire life. I have lived in XXXX, WI from the period of XXXX to XXXX until I return home to MS and have been living here ever since. Also in XXXX, I have discovered that someone tried to open up a credit on me at XXXX XXXX XXXX in the State of Texas and I put a freeze on my credit, but apparently this person was able to get an apartment in my name ( now how that possible I don't understand ). I have report this as an identity theft and would like this resolve as soon as possible.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed there were fraudulent accounts on my credit report. Please remove these fraudulent accounts, they are preventing me from obtaining credit.
Product: Debt collection

When my wife started XXXX treatment we had to file bankruptcy. We returned this vehicle and it was XXXX in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I opened and email from XXXX XXXXXXXX XXXX notifying me that my email, birth date, SSN, home address and drivers license and registration details was leaked and compromised by a fraudulent party. I checked my credit report and noticed two accounts had been opened on my credit that I didnt not open. The accounts are Paramount Recovery and XXXX XXXX XXXX. I would like the accounts and any history of these permanently removed from my credit report. These are fraudulent accounts. Thank you.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 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 these accounts have violated my rights. 

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, XXXX, and Equifax are holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but XXXX isnt doing its job according to the law.

I've included a substantial amount of evidence, that is simply undeniable!

Please help correct these mistakes and wrongdoing & be of assistance for me getting my life back together Thank you
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( XXXX ) 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: Prepaid card

Recently approved for SSDI ( XXXX ) Funds were placed automatically with DirectExpress ( Comerica Bank ) Have attempted numerous times to effect a fund transfer to my bank so that I can pay bills. 

All attempts at document verification have failed and they won't tell me why. Numerous phone calls, the latest on hold for XXXX hours after which the representative stated something about " system issues '' and immediately terminated the call. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX TransUnion and XXXX about updating my address phone number email and accounts on my credit that was open fraudulently along with hard inquiries and the only thing was fixed was my contact information and they keep updating the accounts as if I opened them
Product: Checking or savings account

Bank of America closed my checking account with no notice after 20 yrs as a valued customer. They are refusing to give me the money in my account they are telling me it could be weeks before I get a cashier 's ... my rent and Bill 's have to be paid and they are not cooperating I can't wait weeks I live on a mere {$790.00} a month. I wanted to go in and get my money and they wouldn't give it to me. Please help me or should I call an attorney I am very upset and stressed out it's making me physically ill
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account CAPITAL ONE, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect accounts that is reporting on my credit file, since XX/XX/2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have been calling and writing explaining this to Transunion but they keep reporting these accounts. I have told them these are fraud accounts and should not be on my report. I have sent them my ID, police report, & identity theft report in the past with the same results.
Product: Bank account or service

A merchant service representative named XXXX XXXX, of XXXX XXXX XXXX came to my restaurant, XXXX XXXX XXXX XXXX, unsolicited and told me I was paying too much for credit card processing and offered to lower my payments. XXXX XXXX reviewed my current contract and the associated equipment leases and XXXX XXXX assured me that by switching companies to XXXX Payments I would save a lot of money. I would simply have to pay a cancellation fee of approximately {$500.00} to XXXX but he told me the savings would be well worth it. I went ahead and agreed to transfer over to a new processor ( XXXX XXXX Payments ). 

A few days later XXXX XXXX came back to my restaurant and presented me with new numbers for a different company that he also works with, XXXX XXXX, and XXXX XXXX said that XXXX was a " better, easier to deal with company '' than XXXX Payments. XXXX XXXX said he is no longer representing XXXX XXXX Payments due to " issues he has had with their management and shady business practices. '' XXXX XXXX said that since I had not installed the equipment nor signed a " Delivery and Acceptance '' form for XXXX Payments, he could proceed with getting me to sign up with XXXX instead and that he would take care of the details. I received the documents from XXXX in an email so at XXXX XXXX 's direction I signed them electronically. 

XXXX Payment, First Data, XXXX Pay and XXXX are now charging me. All XXXX are threatening legal action and claim that I have binding contracts with them. 


I have reviewed the signatures on the First Data and XXXX XXXX Payment contracts and they are not my signatures. I did not sign the documents and they are forged. 

I have tried to contact XXXX XXXX and he refuses to return my phone calls and will not undo what he did. I can not locate a physical address for him. 

XXXX XXXX signed the contracts as the Sales representative and he may be the XXXX that forged my name on the XXXX Payments and First Data agreements. 

Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX Fax : XXXX XXXX Payments XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Data Merchant Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX faxXXXXXXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX I do not have any of the equipment left by XXXX XXXX. My attorney returned the equipment to its appropriate company, XXXX XXXX Payments and XXXX. 

My attorney, XXXX XXXX, has tried to resolve these issues with all the companies involved. XXXX XXXX will not respond to XXXX XXXX XXXX and the other companies will not agree that no contracts are binding on me based upon the fraud of their agent, XXXX XXXX. 

I request that XXXX Payments and First Data recognize that I never signed any contracts with them and to stop harassing me for payment. I request that XXXX and XXXX acknowledge that their agent committed fraud and agree that I am not bound by any agreements with them and for XXXX to stop trying to collect payments from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$14.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXXXXXX XXXX XXXX Balance : {$13000.00}
Product: Debt collection

On XXXX XXXX, XXXX at XXXX am I was contacted by a person saying they were calling from Comenity bank from a blocked number. I believe she said her name was XXXX. I had to ask 3 times what company was calling. She just kept calling me by name. She never verified that I was who she thought I was. She then discussed my personal information about the debt not even bothering to identify me. She also did not disclose that the call was either monitored or recorded if it was. I ended the call. I was called 4+ times that day after I had made contact with her that morning. These people call me sometimes in excess of 16 times a day. I have also received messages that I felt threatened by. Since these people are saying that they are the original creditor is there anything I can do to stop this harrassment?
Product: Credit reporting or other personal consumer reports

XXXX : Inaccurate Reporting of Charge-Off Account on My Credit Report** I am writing to formally file a complaint against XXXX XXXX for furnishing inaccurate information to one or more consumer reporting agencies. The erroneous reporting of this XXXX XXXX account ( account number ending in XXXX ) as a charge-off has severely damaged my character, reputation, general mode of living, and ability to obtain credit for personal and housing purposes. This inaccurate reporting has also adversely affected my livelihood. 

On XX/XX/XXXX, I notified XXXX XXXX about the inaccurate information they were reporting and requested that they cease and desist immediately and delete the XXXX XXXX account in question. However, they have willfully remained noncompliant with FCRA laws regarding the reporting of inaccurate information. 

XXXX15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies** ( a ) Duty of Furnishers of Information to Provide Accurate Information Prohibition ( A ) Reporting Information with Actual Knowledge of Errors A person must not furnish any information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

XXXX XXXX is inaccurately reporting a {$680.00} balance on a charged-off XXXX XXXX account to XXXX or more of my consumer reports. This contradicts their internal accounting treatment of the debt as uncollectible. Since XXXX XXXX has charged off this XXXX XXXX account ( ending in XXXX ) and considers the balance to be XXXX for accounting purposes, reporting a {$680.00} balance on my consumer report is fundamentally inaccurate. This account should be deleted immediately. When a lender charges off an account, they recognize the debt as uncollectible, and the balance is reduced to zero for accounting purposes. 

According to the IRS, a charge-off is defined as gross or ordinary income. Income should not be reported on a consumer credit report, making XXXX XXXX XXXX reporting of this account as a charge-off fundamentally inaccurate since this debt is now considered income as defined by the IRS. 

Furthermore, the IRS requires that a lender file Form 1099-C and send a copy to the borrower if the amount of debt canceled is {$600.00} or more and the lender is a financial institution. Despite not receiving a Form 1099-C from XXXX XXXX  , I have already filed this charge-off account on my XXXX tax return as income. XXXX XXXX should not be reporting this charge off XXXX XXXX account to consumer reporting agencies. I demand this account be deleted immediately! 

I will be reporting tax fraud against XXXXXXXX XXXX  by completing Form 3949-A for not complying with IRS regulations XXXX The IRS mandates that financial institutions must issue a Form 1099-C to both the borrower and the IRS when they cancel a debt of {$600.00} or more. 

I urge the CFPB to investigate this matter and take appropriate action against XXXXXXXX XXXX  for their harmful and inaccurate reporting practices.
Product: Debt collection

They have been calling me XXXX times a day, XXXX every hour on the hour from XXXX to XXXX. Sending mail to my house, looked up my mother, brother and father on public record and called them about my loan, call from a blocked number and have lied about it. Lied to my brother saying I listed him as a reference ( I did not ). Then when I asked how they got the information, they told me they looked it up on public record. I told them it was XXXX, they told me it was not. I have emailed them saying it 's XXXX, yet they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to address the presence of fraudulent personal information and unauthorized inquiries associated with my identity. It has come to my attention that certain accounts and transactions have been falsely attributed to me without my consent or knowledge, causing significant distress and concern. I have taken immediate action to report this incident as I am a victim of identity theft. 

I emphasize the importance of rectifying this situation promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide any necessary evidence and, if required, pursue legal recourse to safeguard my rights and seek appropriate compensation. 

I greatly appreciate your prompt attention to this matter and the resolution of this unfortunate situation.
Product: Debt collection

XXXX XXXX XXXX Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom it may concern, Re : Request for information Regarding Alleged XXXX Debt. 

We are writing to request a detailed information regarding the bill your company claim we owe your client XXXX XXXX XXXXWe dispute the validity of this debt and would like to understand how it was incurred. XXXX wouldn't have allowed us to open a new account in our new location knowing that we had an outstanding balance from our old location. At the time of our departure from our old location, all XXXX equipments were returned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Please provide us with the following information : > A clear explanation of the services or goods provided that led to this alleged debt. 
> The date and amount of the original transaction > Any relevant documentation or contract supporting this claim. 
> Any documentation from XXXX i : e any binding contracts signed with XXXX We want to emphasize that we do not acknowledge owing any debt to your client. we are requesting this information to understand the bases of you claim. 

Please respond to this request within 14 days with the requested information. If I do not receive a satisfactory response or refusal to respond, we will assume the debt is invalid and take appropriate action to protect my interest. 

California law provides for us to know the why and how this debt was incurred.