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

There are fraudulent accounts appear in my report, please investigate them :  XXXX  -  XXXX    XXXX   XXXX   XXXX   -  XXXX    XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX
Product: Debt collection

Someone used my information at the hospital. They were told this. Police reports were filed as well as a FTC report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

My name : This is my legal name XXXX XXXX XXXX delete any other references to names as they are not mine and I have never used any of them. 
My address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida, XXXX. 

Enclosed are copies of documents supporting my claim, including ( State ID, utility bill ). These documents provide evidence of my correct personal information. 
Please investigate these inaccuracies and update my credit report accordingly. And I request a new report when you have completed so I may continue to verify its accuracy. 

Thank you for your prompt attention to this matter. 


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

According to the fair credit reporting act and found that you are illegally reporting fraudulent/inaccurate information about. The following alleged account ( s ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, there are numerous, fraudulent, and unauthorized hard inquiries reporting on my credit. The following unauthorized inquiries : 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 This is a violation of the FCRA and is also in violation of requisite metro 2 compliance reporting standards.

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report showing your compliance with all FCRA and metro 2 reporting requirements. 

Attached is a copy of FTC report Respectfully, XXXX
Product: Consumer Loan

While checking my personal credit report, which I acquired from XXXX I noticed an inquiry made by your company " SOS LOANS INC '' on XXXX/XXXX/2015. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Debt collection

RESURGENT RECEIVABLES LLC HAS BROKE THE LAW! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal, family and household purposes. RESURGENT RECEIVABLES LLC and their inaccurate reporting have damaged my livelihood. 

The Congress makes the following findings : 15 U.S. Code 1681 ( a ) The banking system is dependent upon my consumer report being fair, and accurate to me. RESURGENT RECEIVABLES LLC reporting inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, Inaccurate credit reports directly impair the efficiency of the banking system. 

CFPB, this is my attempt to OFFER OF SETTLEMENT BEFORE LITIGATION for RESURGENT RECEIVABLES LLC to amicably resolve the continuous violations of the Fair Credit Reporting Act regarding their refusal to stop reporting EXCLUDED items on my consumer credit report. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. Those alleged transaction that RESURGENT RECEIVABLES LLC are reporting, and failed to investigate, whether or not its factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) - Any authorization of a specific extension of credit, of a credit card or similar device should be excluded from my consumer credit report. This alleged transaction that RESURGENT RECEIVABLES LLC clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ).
Product: Money transfer, virtual currency, or money service

I have transferred {$800.00} to XXXX on XX/XX/ XXXX RIA took {$800.00} along with their fee ahead of time. 
Then I transferred {$1000.00} on XX/XX/XXXX for medical treatment. RIA took {$1000.00}, along with their fee on XX/XX/XXXX. However, Money did not go through until XX/XX/ XXXX I asked them to cancel, they did not cancel. So, I tried to resubmit and this time the money has gone through. However, they already took the money on XX/XX/ XXXX 
Surprisingly, RIA took another {$800.00} and {$1000.00} from account on XX/XX/XXXX. Please see attached from my bank. 

In short, I transferred a total of {$1800.00} plus {$2.00} fee, in total {$1800.00}. All the money was paid by me and my recipients also received their currency for {$1800.00} as {$2.00} is RIAs fee. 

But RIA has taken out the money twice from my account for a sum of {$3600.00} Since XX/XX/XXXX, I have written may correspondence and It seems they are trying to harass me and did not pay my money as to today XX/XX/XXXX, XXXX, My money was not returned. I have written so many times, I tried calling them, each time I had to wait for 30 -50 minutes and then they disconnect the call. 

Now, I will miss my mortgage payment, I must pay the bank fee for overdraft and tried to stop payment, did not work, but I have to pay the fee. RIA is responsible for these fees. RIA must refund my money immediately along with these fees incurred or will incur for their Ill business practice.
Product: Credit card

Random " Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was on my XXXX XXXX and noticed a discover card I am an authorized user on is only showing up on XXXX and no where else. I will attach proof as I screen shot it. I am on my cousins card. Discover had said I would be updated to XXXX and XXXX but never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXXXXXX XXXX XXXX XXXX openXXXX chg off/closed XX/XX/XXXX shows activity XXXX- XX/XX/XXXX shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$3.00} XXXX XX/XX/XXXX XXXX On XXXX  shows different date closed XX/XX/XXXX. XXXX owed {$910.00} this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe {$1100.00}. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe {$3100.00} this is not my acct. XXXX # XXXX XXXX XX/XX/XXXX XXXX off/closed last pmt. {$100.00} XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of {$100.00} and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX  # XXXX shows {$270.00} & {$300.00} open XX/XX/XXXX not my acct. XXXX XX/XX/XXXX XXXX not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute on XXXX XX/XX/2023 and still no response. It is almost 90 days with no update or corrections to my credit file.
Product: Credit reporting

U have a credit card r bank card that i dont have u also say i applied for car loan that is untrue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$1000.00} Line of Credit with Grain Technology. Opened XX/XX/XXXX. 
I paid it off on XX/XX/XXXX ( {$920.00} ). Later, there was a fee or some left over interest of {$7.00}, which was paid on XX/XX/XXXX. 

Grain is reporting late payments to XXXX. Showing 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 

XX/XX/XXXX - I was assessed an Annual Fee charge of {$80.00} XX/XX/XXXX - Interest charge of XXXX cents is assessed XX/XX/XXXX - Late fee of {$1.00} is assessed ( They are in control of pulling payments ) XX/XX/XXXX - {$1.00} payment is pulled from my bank account On XX/XX/XXXX, Grain increased my credit line to {$1200.00}. ( The day before this, an amount of {$1.00} was pulled from my bank account to pay this charge.. not sure what this was for.. but understood it was legitimate. 

XXXX/XXXX/XXXX, on my Grain XXXX, I was asked to upload a copy of my Social Security Card. I don't have this ( lost ), so I uploaded a picture of my U.S.A. Passport. 
App is locked until my identity is properly verified. 

XX/XX/XXXX - Interest charge of XXXX cents is assessed XX/XX/XXXX - {$1.00} late fee is assessed XX/XX/XXXX - {$1.00} payment is pulled from my bank account XX/XX/XXXX - Interest charge of XXXX cents is assessed XX/XX/XXXX - {$1.00} late fee is assessed XX/XX/XXXX - {$1.00} payment is pulled from my bank account On XX/XX/XXXX, the day I noticed the late payment being reported, I emailed Customer Support. Auto- reply from Grain followed on XX/XX/XXXX. 
Still can't open app, says it's trying to verify my identity. 

On XX/XX/XXXX - still no direct response from Grain. I emailed again on XX/XX/XXXX. 

XX/XX/XXXX - Interest charge of XXXX cents is assessed XX/XX/XXXX - {$1.00} late fee is assessed XX/XX/XXXX - {$1.00} payment is pulled from my bank account On XX/XX/XXXX - still no direct response from Grain. I emailed again on XX/XX/XXXX. 
On XX/XX/XXXX - I receive an alarming email stating I am being reported as 60 days late and am at risk of DEFAULTING. 

Still can't open app, says it's trying to verify my identity. 
On this day, I finally receive email communication from a human. She says she is looking into this and will follow-up. 

XX/XX/XXXX - still no response. 
I am now able to open the Grain XXXX it states they couldn't verify my identity and have refunded the {$80.00} annual fee, that they charged my on XX/XX/XXXX. 

It appears my Grain line of credit has been pulled, as it shows I have no availability. It also shows I owe them {$25.00} ( not sure why ). 

Bottom line, I want these credit reporting errors corrected ASAP. I just tried to pay the {$25.00}, but it's saying that my auto payment for this is scheduled for XX/XX/XXXX. 

I will be closing this account as soon as I can get someone to do so at this company. My bank is still connected to them to pull this final amount. I don't want them to try and blame me for not having the account connected. 

Thank you CFPB for any assistance you can provide on this. 
Sincerely, XXXX XXXXXXXX Disappointed with GRAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to Experian, XXXX, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts. I received a 5071C letter from the IRS a few years ago stating that someone tried to file taxes with my identity. I believe that since then this person has been applying for the following accounts that I did not authorize.

Credit Cards : XXXX XXXX XXXX XXXX Account # XXXX on XX/XX/XXXX Car Loans : XXXX XXXX XXXX Account XXXX XXXX on XX/XX/XXXX Inquiries : 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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX XXXX XXXX, LA XXXX
Product: Student loan

NAVIENT/XXXX MUST BE DISCHARGED BY XXXX, THE LOAN IS AGED AND THE RATE IS TOO HIGH. I WENT BACK TO COLLEGE FOR HEALTH CARE SERVICES AND NOW MUST BE CANCELLED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

When I signed up for the bank account, I was told by the branch manager that I did not have to worry about overdraft fees because they will be declined. Did I want to app out? I told her no I kept the decline option on my account so that I did not have to worry about overdraft fees. I noticed that they would overdraft my account by allowing transactions to go through that was authorize through ACH or through my bank account information directly, and not my debit card, which was never explained to me to begin with. I made sure that I only process transactions when I had funds in there When I looked into the bank account there were funds, and then they will wait until my funds were low to run other transactions that came out via ACH. 
When I went to pay back the overdraft amount, I was not able to pay them all at once. Within a few days later they charge me extra fees on the same overdraft transactions that they shouldve declined to begin with I was I was charged multiple times for one transaction whether it was the {$36.00} or whatever the fee amount was and then an additional {$15.00} if it took me too long to pay, they kept on adding fees on which made it impossible for me to make sure my account was ever current. This was not my main account. This was my account only for bills. I used a different account for day-to-day transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is now in violation due to the failure of providing verifiable proof as required under the  15 U.S. Code 1681g - D isclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing! I 'm not sure if the account was fraud or is a mistake on your part providing false information on my credit file. I faxed in a copy of my Driver  's License and Social Secu  rity Card on  X/XX/17 . It clearly does not match the records you maintain under my social secur ity number. I have tried relentlessly between yesterday and today to call you to discuss. The answering system says that there is a not an operator available now to call back and then it disconnects.   I am  ready to proceed with a lawsuit against your company for 1. Defamation 2. Negligence 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I would be seeking a minimum of {$1000.00} in damages per violation. I will be using a high profile attorney to expose the wrong that you are doing to me.
Product: Credit card or prepaid card

In the mail XX/XX/21 I received two separate envelopes from Charles Schwab Bank. 
One is a new Debit Card I did not apply for. The other is a notice of funds availability saying {$260.00} was deposited into a new account on XX/XX/21. I did not open that account or set up the debit card. I called, spoke with XXXX in the ID Theft department at Schwab Bank. He gave me case number XXXX and said the account was closed on XX/XX/21. I am very upset because someone - not me- was able to open this account and attempt to transact business on it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I ask Wells Fargo bank to dispute information on credit report due to recession hardships which prevent my payment with loss of job. Send them more request till XX/XX/XXXX and on XX/XX/XXXX letter of debt validation with charge off for {$7700.00} on XX/XX/XXXX received. Wells Frago also ask me send back possible details to support dispute. On XXXX  I ask them to provide me 1099- C form pursuit to section 1681 I ( a ) ( 2 ) from for the actual account XXXX charge off due to my financial hardship. Again on XX/XX/XXXX I had sent another letter asking 1099-C. But didn't receive any letter from Wells Frago Bank.
Product: Credit reporting or other personal consumer reports

I got a credit card with Opportun BankCard Center in XXXX. I had difficulty with making payments therefore I consolidated my debts with XXXX  XXXX XXXX XXXX XXXX. Opportun reported I was 30 days late each month I was working with XXXX XXXX XXXX XXXX although they accepted the minimum payment from them. I got a recent invoice from XXXX on XX/XX/XXXX AFTER I have paid them in full {$460.00}. This clears my debt. This company reported me 180 days late this past XXXX XXXXXX/XX/XXXX and I paid them XX/XX/XXXX. I see the payment due date is the XXXX of each month although the billing cycle starts the second of the month. 
Either way they trashed my credit I believe for XXXX reasons since I am XXXX XXXX and I feel even though I have paid off the credit card they still seek to destroy my credit by not reporting the card as paid off but as still late. 
DO NOT accept a credit card from these people because they will take your money and still report you as late. This is wrong and although I spoke with a XXXX on XX/XX/XXXX about this matter she was quite dismissive of their mishandling my account.
Product: Debt collection

My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX lower had no right to property. XXXX XXXX of XXXXr was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine
Product: Debt collection

I received a voice mail on my answering machine from a Linebarger, Goggan, Blair and Sampson Law Office pertaining to a past due debt I had for a parking ticket in XXXX. When I wrote down the reference number I accidently transposed XXXX of the numbers ; however when I called the XXXX number, I typed in the reference number and without asking for any additional verification the automated system proceeded to tell me another client 's personal information. The reference number I typed in was XXXX instead of XXXX ( this is my number ). I just thought someone should be aware because I do n't want anyone knowing my information if the number was typed in accidently by another client.