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

Nationstar mortgage doing business as Mr. Cooper failed to notify me in a timely manner of the compromise. Far more than thirty days passed before I received details of the intrusion- was I effected ; what was lost in the intrusion. 

Further about 60 days passed before I was made aware of free credit monitoring, etc. 

Phone calls to them resulted in a run-around and no concrete information
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 1681XXXX 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 XXXX XXXX XXXX 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 had an account with MACYS department store. My account was used as a case of identity theft in Georgia for charges exceeding over {$1000.00}. I called Macys and reported the charges and they stated they froze my card, the following day my card was used again in Georgia and more charges were added. Macys stated that even though I called and reported the fraud on my account it takes up to XXXX hours for a freeze to be placed on my account. While my account was under investigation for these charges ; Macys advised me I would not be responsible for making payments since charges were not mine. After almost XXXX months the investigation was finally complete and I never received any information on the outcome of the investigation and Macys charged me based off the fraud charges on this account. Ive tried communicating with MACYS on multiple occasions and all they did was continuously transfer my calls to multiple departments. This account is inaccurate and charges are inaccurate.
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX I received an email alerting me that I chose Milestone Mastercard and a card would be sent to me in 7-14 days. The issue is that I have never appliedfor a Milestone Mastercard. 

I first searched the company and tried to call them to alert them that I did not apply for the credit card, but upon calling the number I found through their website they prompted me to input my social security number. I did not input my SSN and tried to call the XXXX XXXX XXXX  which is the issuing bank on XX/XX/XXXX in the afternoon. 

The XXXX XXXX XXXX transferred me toGenesis FS Card Services , Inc. While on the phone with them they told me that I could either provide my SSN or would have to wait for the card to arrive in the mail.I did not give them my SSN. 

On Friday, XX/XX/XXXX, I checked my credit reporting and didn't see any hard inquiries. I also locked the XXXX and XXXX credit bureaus and froze my credit with XXXX. None of these credit bureaus had any inquiries or accounts associated with Milestone Mastercard or Genesis. 

The card arrived in the mail early in the week of XX/XX/XXXX, but I was out of town. In the mail the correspondence looked very similar to other credit card paperwork I have received. I did NOT activate the card, nor did I go to the website to activate the card. 

On Friday XX/XX/XXXX I called the XXXX XXXX XXXX again and was transferred to Genesis FS Card Services , Inc. where I attempted to close the account and get it marked as Fraudulent. As far as I can tell, based on the conversation they marked the account as Fraudulent, but weren't able to tell me if there was a balance on the card because I refused to give them my full address or SSN even though I did give them the card number. They also at different times said that they can't give me information on the account because it was marked as fraudulent. They told me that I would not receive anything in the mail to say that this account was marked as fraud and closed unless I went through www.identitytheft.gov and put my information there so they could match it in their system. I told them that as soon as a credit account is closed that I should receivewritten notice and that I believe it was them that actually opened the account and not an individual not related to their business. 

I have checked with the credit bureaus daily to see if there were any hard inquiries or updates to the accounts under my name and there are not. 

My belief is that Milestone Mastercard and Genesis FS Card Services , Inc. send out credit cards like this without an application and then consumers activate the card not knowing that they didn't even apply. I believe this is a shady and perhaps illegal business practice. There is nothing else to indicate that my identity was stolen and someone tried to apply for this card.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, My Credit was run by several finance companies without my permission in the state of XXXX, where I do not live. I have contacted each company to verify and remove it based on Fraud. 
FCRA Law 15 USC 1681a, FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time complaining about inquiries that are falsely reporting on my credit report. These inquiries were added without my knowledge and are totally inaccurate.
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 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. 
I want the CFPB to publish this description on consumerfinance.gov so that
Product: Debt collection

I have no unpaid outstanding accounts with XXXX/XXXX and I am a current customer. 
ICSystems demanded a debt {$380.00} from an old XXXX/XXXX   acct I didnt recall. I called XXXX & paid in full for old equipment charges and they advised they would let ICsystems know in XXXX. ICsystems instead of removing the account misrepresented and are trying to collect a reduced amount of {$150.00}. 
XXXX are trying to collect a fraudulent amount of {$120.00} from XXXX whom confirm i do not owe any money from any accounts. 
It is a continual harassment and too much XXXX they are putting on me during this difficult time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with Trans Union, XXXX and XXXX and did not get return resolution for disputes or responses at all. No reports mailed back to me and no response in email from any of, these institutions sent disputes to each company on XX/XX/2022 they are over way over the time frame that a response should have been completed and returned to my home address on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Please HELP! 

I have been trying to reach someone at XXXX for a month now. I have send certified mail with a return confirmation receipt and yet to receive it. I have asked where did they get my public information from they have yet to provide me with a response. I have mailed them a letter from the courts stating that the US Bankruptcy court does not report to the credit bureau. I have mailed them a letter stating that I never gave them any consent to report any of my information and yet to receive any help. To report a item on a consumer credit report you have to have consent. XXXX has yet to provide me with any type of documentation where I authorize my concern to report anything to the XXXX major credit bureau. It really unlawful how they continue to report a public record that I never gave them permission to do so.
Product: Money transfer, virtual currency, or money service

I have been searching for a kitten for some time and recently came across this website which seemed very legit, and I submitted an inquiry. They reached out to me and we started communicating via email. The website entailed the full details of their contact information including phone number, home address, email & description of how they perform business. Unfortunately, despite being a very sane and cautious person, I fell victim to the fraud. I sent them money via XXXX, and they sent me information to reserve and register the kitten for delivery to my address in XXXX, IL. 

Soon after they received the money, their attitude changed drastically. I did sense that but thought maybe I am just too doubtful. They gave us a time, & day, & the kitten never arrived and we never heard from them again. We did find online later that they had been scamming people. 

I don't know if the real homeowners even know that their address is being used for malignant reasons. Alternatively, the culprits may be residing in the same address ( I doubt so ). I did file a complaint against the website on the FBI website. Its my hard earned money and I'd want it bank. 

I appreciate your valuable time and consideration. 

Here is the website and the pertinent information regarding the scammers. 

Website : Email : XXXX Phone number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. 

Here are my details. 

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

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit card

they violated my rights twice because they failed to verify your acc as accurate and request a deletion
Product: Credit card or prepaid card

XXXX XXXX card was charged for {$2200.00} which i did not authorize. 
Filed a dispute with Comenity capital bank. 
Explained the situation and the charge is still on the card. 
Refiled comllaint and made min. Payment to keep my credit clean.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 
To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Social Security Number XXXX XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding several negative accounts on my credit file, which remain unverified and unjustly reported. Despite my earlier correspondence, these negative items still persist on my report.
Product: Credit card

I opened my account with Chase Hyatt Credit Card in XX/XX/2024. My credit limit is XXXX. Chase failed to notify me of suspicious activity. Someone attempted to access my online banking, failed but was able to add a voice password I did not authorize. I was receiving many scam calls to my phone number I decided to cancel my service and began a new service with XXXX. Everything is under my name, when I tried contacting Chase Credit Dept to notify them of this change, they had locked my account because it was flagged but we're unable to provide me with any information. I asked if there was other ways to verify my identity, Chase refused to verify me any other manner except for a text being sent to my disconnected number. I explained this but they kept telling me they will give me a call back from XXXX min to XXXX hours, but never did. I checked my XXXX XXXX and currently they are reporting that account as being active and showing I have full access to my credit card, when In fact I have not been allowed to use my card. Chase is also aware that my account including my checking online was compromised but have refused to let me know who or when or how this happened.
Product: Payday loan, title loan, or personal loan

Lonestar Title Loans forged a signature on a second loan to void out my sell of the vehicle. They only said they would buyout his loan at XXXX  XXXX XXXX not put the car back in my name. I thought it was strange they had me signing paperwork. Then they continued to harass me after telling them the car was totaled and sending proof, and talking to regional dmv office receiving proof of forgery. To this day they are texting and leaving voice-mails with personal and threatening information not knowing who's phone they are actually calling. This all occurred between XX/XX/2019 to present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and told them that they were reporting the wrong information on my credit report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account number XXXX has been reported as a victim of fraud. attached is a copy of my credit report rcra 605B proof of identity and FTC Report Number : XXXX you are legally required to block/ delete these accounts within 4 days of recieveing this
Product: Payday loan, title loan, or personal loan

My wife ( then fiancee ) and I moved to Minnesota in XX/XX/XXXX, migrating our personal bank accounts into joint savings, checking, and credit card accounts with BMO Harris. We choose BMO Harris because it had physical branches in the XXXXWI and XXXXIL areas, in preparation for our wedding in XXXX that same year. The accounts manager included a " personal line of credit '' that included yearly fees but were not explicitly stated, as my wife and I were ( and are ) adverse to accounts with fees. We would never use this line of credit. To describe the character of the accounts manager that created our accounts : he got our names, phone numbers, social security numbers, and address all incorrect, taking months to correct in person, over the phone, and online. Additionally the savings account we were given had a prohibitively large minimum balance that incurred fees, another feature of our accounts not explicitly disclosed. I visited a branch in XX/XX/XXXX to close all remaining accounts, including this line of credit, and neither the teller or Account Manager informed me that the personal line of credit could be canceled because of a balance due. I still received vague emails about my online account. A call to customer service in later in XXXX, the representative informed that I had no active accounts and that it must be a glitch in the system pending the removal of my online access. Recent ( this month, XXXX ) updates to BMO 's online system, and email notifications informed me that I had an account with a balance due. After reactivating my online access, I clearly saw the personal line of credit and a non-zero balance. Numerous in person, over the phone, and online interactions demonstrates a clear pattern of incompetent, if not fraudulent, business practices. Given the times involved, XXXX to XXXX, I have no records remaining as problems of this nature become apparent within a year, and I keep those records for at most two years. I will be buying a larger fire-proof filing cabinet to keep records for at least 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that are double reporting and I have several accounts on my report that the agency is saying it is accurate but when I notify the companies they can not provide me with information and they said that if I have any information to send to them but per the credit reporting agencys investigation they can not verify the account. But the credit reporting agency has stated that they verified it Is accurate.
Product: Vehicle loan or lease

I went online to purchase a car through carvana. I paid insurance, down payment, and a shipping fee on a car that didn't need to be shipped was in XXXX the entire time. A week and a half in after having my first appointment rescheduled they contacted me gave me XXXX hours to send in paperwork already submitted I was XXXX minute late and the advocate restarted my whole process and the amount of the car went from XXXX to XXXX then they refunded my insurance money, my XXXX down payment but kept XXXX for a shipping fee and I don't even have a car. I have begged them to return my money and they won't when in fact the site claims money back guaranteed. I am not the only person that has paid shipping they try to keep this is a scam they do over and over. All I want is the XXXX I am owed returned.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. The account names are as follows : Account # 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 Bankruptcy Updated Account TransUnion has reported an increase in the total amount of collection account balances on your credit report. 
Collections Balance : {$29000.00} I looked at my Transunion Credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ) Please remove this from my Trans Union Credit report ASAP. Thanks you.
Product: Debt collection

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations. They have also manage to garnish my funds illegally!
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to get this inaccurate account removed from my consumer report. The consumer reporting agencies has failed to do a thorough investigation and failed to keep me informed with information requested. Again, I am demanding that this credit account be removed from my consumer report : XXXX XXXX Account number - XXXX