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

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 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 consists of a personal credit card account opened at Account name XXXX XXXX XXXX Account number XXXX Account typeDebt Buyer Responsibility Individual Date opened XX/XX/XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account typeCredit card Responsibility Individual Date opened XX/XX/XXXX Balance {$460.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$7500.00} 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, 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: Credit reporting or other personal consumer reports

I went in to thaw my credit bureau accounts today as I am planning to finance something soon. I logged in to Equifax and was shocked to find they did not have Multi-factor Authentication ( MFA ) set up on my account. I looked around to see if it was a setting I had missed but couldn't find anything in my account settings. After XXXX  it, I found that they require you to purchase this basic account protection. 

I never asked for Equifax to collect and store my credit information, but they do, and now I have to deal with protecting that information because it seems like every couple years Equifax gets hacked and leaks information. I do my best to make sure that my information is protected across all online services and accounts. Even basic non-financial or identity services I use have free MFA - it's best practice and prevents basic authentication attacks. The fact that Equifax does not offer MFA to protect information they collect without consent is an insult to data protection. They created a problem and are now charging for a service to protect it. 

They should be forced to offer free MFA for all the people they store information on. Again, I didn't ask them to collect and store this information, so if they are going to, they should at minimum be required to follow best practices on basic data protection. Anything less is purposefully creating additional risk to sell a product.
Product: Debt collection

On XX/XX/2023, received debt collect email for {$510.00} from Columbia Debt Recovery llc dbz Genesis for XXXX which is over parkway lofts apartments. This amount was a false move out fee which was already disputed with the apartments years ago. In fact they still have a {$500.00} deposit which we never got back which is supposed to go to fees like the one they made anyway, but again the move out charge was already disputed and the apartment could not even prove the charge just sent random photos of a clean apartment. 
Even just taking a look at the XXXX pages for Genesis, and XXXX there are thousands of complaints of fraud and people having to take them to court every year. Also hundreds of reviews on XXXX how the Genesis employees verbally abuse and harass people. After multiple calls with Genesis who even they saw that the {$500.00} deposit money is on the lease and we never saw any of it, they keep saying they tried to call XXXX over and over but never get a response back. This has made a negative report on our credit scores for a false charge as well as our security deposit money being withheld.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

I've tried contacting this company several times over several months. To start, this account was opened without my knowledge and they have no legal documentation proving that I indeed opened or agreed to be a co-applicant on this account. They stated they were not going to help me with reporting it as fraudulent. To keep my credit afloat, I made payments over several months, NONE of which were reflected on my credit report. I called to inquire as to why and, with every phone call, I never get a straight answer. I get transferred at least three times and no one can help me with basic information : what is left to payoff, why the payments that I've sent aren't reflecting correctly on my credit report, and an itemized receipt of all the charges on said card that I NEVER used. Last time I called I spoke to a rude employee who said that the payments aren't showing because they use a " behind the scenes '' method of collecting those payments. And he was insistent that my last payment was in XXXX of 2021 when it was XXXX of 2021. He couldn't find it! I've asked for itemized receipts on several occasions for the account, which they have yet to send despite saying they would, and it's been months. This has been a frustrating and tiring experience, filled with staff who can't help me. I was also told that they sent the account off to creditors one day but they weren't sure who. Then when I called the next day, they said that they kept the account in-house. This has been my experience with this company every single time I contact them. It's confusing!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an illegal collection which has continued on my credit report after providing the necessary documentation for it to be removed. There was a letter provided by the court to the credit reporting agency and all of the supporting information yet they did not remove it from my credit report. The company was contacted directly and they ignored. There is no monetary judgement after an illegal debt collection attempted at town court. The company XXXX XXXX XXXX attempted to collect {$2400.00} at court for one months rent which was actually {$900.00} the amount of {$700.00} had already been paid plus estimated {$1000.00} in security deposits for the unit. I have a statement from the company which shows no damages and a letter from the courthouse which states no money owed. The collection was illegal and it still is. It is preventing me from securing stable housing in the future.
Product: Checking or savings account

# 1 ) Ok I called to have stop payment on my card. The did that but they restricted that card and sent me an new one. I didn't find out until I was at the store with a basket full of stuff # 2 ) They have been charging me XXXX a month for a banking fee when I am on SSA and am XXXX. 
# 3 ) I think Bank of America has, with certain accounts, like, a bank within a bank, certain accounts are files. And the card number you have on your card triggers the file. And it is a hidden file. MY old card ended in XXXX. The card they are sending me ends in XXXX. I am pretty sure BOA is not above board. I have had this account for 15 years. I am telling you something stinks.
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.

Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 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: Payday loan, title loan, or personal loan

I did a stop payment on any and all payments to Lendmark - They charged my debit card, and the bank information I was given stated that I authorized the payment over the phone.

Lendmark posed as me, and authorized the payment without my consent. This is fraud.
Product: Debt collection

Had an account with XXXX which was charged off during a financially down period shortly after my wife XXXX XXXX to our XXXX child and got behind. When attempted to get back ontrack was notified that the account was sold to XXXX XXXX XXXX. While attempting to get on top of my credit I contacted XXXX XXXX who referred me to a 4th party now XXXX XXXX with acct # XXXX XXXX who then acused me when calling them of running and hiding from this debt and that they would mark as a refusal when I asked for a commonly requested settlement for delete off my credit record. The fact that I contacted them to make payment assures I am not running and hiding from this debt and after asking for supervisor was treated even more rudely by him. Telling me he would contact his client who is not even the original creditor that I was refusing to pay since I was not paying until I had assurance of deletion before agreeing to settlement.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX and XXXX are reporting a Bankruptcy inaccurate and false information on my consumer report, and not In Accordance With ( IAW ) the FCRA. This information was not reported by the bankruptcy court. The bankruptcy information is as follows 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  was told the Court Never releases Bankruptcy information to the public, nor does it report to CRAs. I was personally told by the Court that the only way such information is obtained is through the Public Access to Court Electronic Records ( PACER.gov ), which is a free service and provides the public with access to court records. Consumer violations are : 15 U.S.C. 1681 ( 4 ) : Congressional Findings, and 15 U.S.C. 1681c ( a ) ( 5 ) Information excluded from consumer reports, and no CRA may include any other adverse item of information to anyone. I have the right to privacy and These CRAs are violating my right to privacy. I have never given these CRAs consent or permission to give my information to anyone, which is a violation of 15 U.S.C. 1681b - Permissible purposes. The bankruptcy information is as follows : 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: Debt collection

SyncB/XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Product: Credit reporting or other personal consumer reports

15 USC 6802 15 USC 1681b Account information inaccurate I am writing to formally request validation of the debt referenced below, as outlined in Regulation F and the Fair Debt Collection Practices Act ( FDCPA ). I recently noticed that a collection account has been reported on my credit report, and I have questions regarding its accuracy.

Please provide the following information : The name and address of the original creditor. 
Date account was opened The full amount of the debt and a breakdown of any interest or fees added. 

Proof that you are authorized to collect this debt. 

Documentation supporting that the debt is valid and that I am responsible for it. 

Until proper validation is provided, I respectfully request that you refrain from reporting this debt to any credit reporting agencies. If the debt is already being reported, I request its removal while the matter is under investigation. 

Please note that this is not a refusal to pay but a request for verification as allowed under the FDCPA.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase and decided to wire funds to my account in order to purchase cryptocurrency. 
They provided me with paying in details to a GBP wallet which I used to wire XXXX GBP to the wallet on XX/XX/2020. It is mow XX/XX/XXXX. 

So far nothing has been deposited into my account. I have reached out to Coinbase support through the site, which offers no opportunity to speak to anyone. I received an acknowledgement from them and one single follow up email saying they are investigating. But subsequent chaser emails by me have been met with silence. It is now a month since the funds were sent and there is no sign of my missing funds. I have confirmed that the wire was accurately sent using the exact details Coinbase gave and I have also noted from searches online that this sadly seems to be a common problem with Coinbase.

I have attached the details for paying in money to my account that Coinbase provided me and the details of the transfer I made that did not arrive
Product: Student loan

Aidvantage, who has recently take over several of my student loans fraudulently deducted payments for federal student loans without authorization to an account that was never provided directly to them. 

Calling them was useless as they stood by that I set up auto payments which is a lie as these accounts were recently taken over and are NOT in repayment status nor have they been for over a year due to COVID.

I never provided the bank account, never authorized automatic payments, and certainly never authorized payments on accounts that are not even in repayment status. 

I suspect previous banking information was somehow transferred from XXXX to Aidvantage without consent. The money was deducted from a bank account I have not used as a personal bank account in over two years!

On top of this : they over drafted the account and ignored me when I asked if they intended to PAY the fees associated with their unauthorized transaction.
Product: Credit reporting or other personal consumer reports

I have attached additional information for these accounts as XXXX requested ID information, which no reason to close the compliant as there is no way this information can be verified or validated for the matter because all the paperwork shows this impossible. There are setting themselves up for the law suit they will not be able to win and will publish information once complete if they do not correct this issue. 

Not to mention, there is a woman who sued them for millions of dollars and won because they refused recognized Identity Theft on her credit report. I will use the SAME ATTORENY 'S if not corrected! 

Here is the article : XX/XX/year> -- For two years an Oregon woman tried without success to get mistakes in her XXXX credit report fixed. Now a jury has awarded her {$18.00} XXXX for her trouble. XX/XX/year> Another One Right Here : XXXX XXXX XXXXXXXX Again, I was incarcerated during that time... Therefore, it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023, I made two settlement payments to settle the balance on my account. The terms would be within 30 days my credit report would reflect that the account has been settled. Its been more than 30 days, actually almost 60 days and I havent gotten any updates. Ive called the company numerous times and no one is able to help. I was told I would get a call back and have never received one. Theyve reported my account 30 days late and should not have and my credit score has decreased because of the false reporting of the accounts. Theres two accounts that are involved in my complaint.
Product: Checking or savings account

Currently banking with Bank of America, they gave me a couple of charges over the years I have being a client with them. Specially when low founds, even when I when a head and deposited the money needed to cover the transaction. They also " process '' transactions in a odd way and I feel like they are double charging on some transactions or causing my account to drop to insufficient founds. for example my wife might spend XXXX on XXXX, the mobile app will show XXXX but under processing, so I " know '' I have XXXX less on my account and it does reflect a total amount minus the XXXX so I do my spending, but by the time it " process '' there is less money than expected even do I took in consideration the minus XXXX like if they took the XXXX again and then when processed another chunk. I read about the complains other people has had with them, and I thought that it was just me thinking I was wrong with the fees and the way they Process transactions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my credit report related to civil liability for negligence, specifically concerning collections accounts and hard inquiries. The referenced entries appear to be in error, and I am invoking my rights under Code 1681 0, which pertains to civil liability in cases of negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my spouse and I requested our annual free credit reports from all three credit bureaus. 

XXXX provided both credit reports as requested. 

XXXX provided a credit report for my spouse, but other than my name the credit report was blank and, and when I tried to refresh the information the site said that I had already received my free report. 

Equifax denied provided both credit reports due to an inability to verify our identities, using the exact same information XXXX and XXXX accepted. 

When I call their support numbers to request mailed reports, both XXXX and Equifax mailed letters stating that a free copy of your credit file alreadt has been sent to you within this past 12 months. This is untrue, and in any case as we understand it, we were entitled to free WEEKLY credit reports during the pandemic. 

Equifax has continually denied my free annual credit report requests in XXXX, XXXX and XXXX, and denied requests from my spouse in XXXX, XXXX, and XXXX. This appears to be a systematized denial of legally mandated credit reports, considering the same identity information provided to the XXXX website was accepted by the other two credit bureaus. 

We know our credit bureau files are up to date, because we unfreeze and refreeze them when we perform the annual credit report requests.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a hard credit inquiry from XXXX XXXX, which appears on my TransUnion credit report dated XX/XX/XXXX. The inquiry was not authorized by me and remains on my credit report despite attempts to resolve the issue directly with both XXXX XXXX and TransUnion. 

Background : 1. TransUnion Credit Report : My TransUnion credit report, dated XX/XX/XXXX, lists a hard inquiry from XXXX XXXXXXXX dated XX/XX/XXXX. 


2. XXXX XXXX Response : On XX/XX/XXXX, I received a response from XXXX XXXXXXXX regarding the inquiry. In their response, XXXX XXXX confirmed that they did not perform a hard inquiry on my credit file on XX/XX/XXXX, and verified with TransUnion that no such inquiry exists. 


XXXX. Ongoing Discrepancy : Despite XXXX XXXX confirmation that no inquiry was made, the inquiry remains visible on my credit report.
Product: Debt collection

To Whom It May Concerns ; My name is XXXX XXXX XXXX. I suddenly received debt collection letters from XXXX XXXX XXXX asking me to pay off the credit card debt open in my name on XXXX with the balance of XXXX. I have not opened this credit card and never used it. I havent made any payment since I dont know about this debt. 
Please help me to investigate this issue further and identify the person who is using my identity to obtain this credit card. 
Sincerely, XXXX XXXX