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

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries and a fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and 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 the aforementioned consumer credit account and hard inquiries are the result of identity theft and fraud. I also put a fraud alert as well as contacted the police department but was told they only handle cases that deals with wallet theft.
Product: Debt collection

Dear Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : XXXX. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ). 
XXXX. Legal basis for collection. 
XXXX. Proof of authorization to operate in my state. 
XXXX. Signed contract or agreement proving the debt. 
XXXX. Full account history.
Product: Credit reporting or other personal consumer reports

The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, Experian deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. Experian has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. XXXX and XXXX has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High  Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED
Product: Credit reporting

In XXXX I put a fraud alert on my account in XXXX I requested by mail to have it removed .when I looked at my report it was still on there and it says it was updated again I sent the info again to get it removed equal just sent me a letter stating they updated it again did not take it off and with out my permission sent it to the XXXX other credit reporting agencies to up date their 's .I told them I wanted it removed not updated. I called equiafax they finally removed it but now since they passed it to the other agencies .transunion and experian say they ca n't remove it .I want it removed from all of my accounts thanku
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report it shows XXXX XXXX did a hard inquiry on XX/XX/2019. I have never spoke to this entity or authorized any third party to consent to a credit check. My credit file at this time had a fraud alert and clearly has a notation I must be called to do a credit check. Per TILA the consumer must know what the loan details are prior to credit being obtained. At no point did I speak to anyone from this entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my account.
Product: Debt collection

CAVALRY PORTFOLIO SERV Is asking for payment that they say I opened in 2020 that isnt my account and keep harassing and ruing my credit
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I inquired about sneakers for sale on an XXXX account called XXXXXXXX XXXX XXXX. I messaged back and forth and was told that they had the pair of sneakers I wanted in stock and that I just needed to transfer the cost of the sneakers through Zelle. I was given the person 's name and phone number and used Zelle to send them {$150.00} for the sneakers. I gave them the confirmation that the money was sent and they provided me with a tracking number. I asked them why the tracking hadn't moved him the Label Created stage and they closed the XXXX account and I could no longer communicate with them. I trusted them because they had a copy of their LLC Agreement on their page.
Product: Credit reporting or other personal consumer reports

Notice of Violation of FCRA 15 U.S. Code 1681s2 I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. 

Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 

However, to my dismay, these disputes have not been duly noted as required by law. 
Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights. 

HOWEVER I APPLIED FOR CREDIT, AND SUBMITTED A CONSUMER CREDIT TRANSACTION SO WHOS CREDIT DID YOU GIVE ME?. YOU CLAIM THAT YOU HAVE GIVEN ME A CREDIT CARD BUT THAT IS INDEED MISLEADING AND DECEPTIVE AS ( EXPLAINED BEFORE IN PREVIOUS LETTERS ) THAT A CREDIT CARD IS NOT SOMETHING YOU ISSUE YOURSELF. WE ARE BOTH AWARE OF THE DEBENTURES BEING UTILIZED, WHICH CREATES THE FANTASY YOU SO HOPE FOR PEOPLE LIKE ME TO BELIEVE IN YOU ACTUALLY GIVING US MONEY OR A LOAN. HOWEVER, YOU CAN NOT LEND CREDIT WHICH IS WHAT THIS TRANSACTION CONSISTED OF, A CONSUMER CREDIT TRANSACTION. PLEASE UNDERSTAND THAT IT HAS TOOK ME QUITE SOME TIME TO OVERSTAND YOUR MISCHIEVOUS WAYS AND THE NUMBER OF TIMES I HAVE BEEN VIOLATED WITHOUT SEEKING COMPENSATION OR REPARATIONS. MY TIME IS RUNNING OUT AS I DO NOT HAVE AN INFINITE AMOUNT OF YEARS LEFT BUT I HAVE TO SPEND TIME KNOWING SUCH THINGS.
Product: Debt collection

They mailed a collection notice with terms to my employer 's home address in another city. The letter was addressed to me at his address, my employer opened it. My employer put the open notice on my keyboard on my desk where it laid for XXXX days in my absence. 

They also mailed a notice with terms to my daughter 's address in another state. My daughter opened it and called me very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX # XXXX for XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

Opted in to a SoFi Money promotion to have a {$1000.00} direct deposit post after opening checking account to receive a {$100.00} bonus paid out within 2 weeks. This deposit posted XX/XX/XXXX and I still have not received this bonus. I have reached out to SoFi customer support twice since then, both times they have said this promotion is pending but it has been several weeks and no action has been taken by them to make this right.
Product: Debt collection

I keep seeing this on my credit report and when I called the company, they keep saying that I owe something I told them that it's my information is corrected but I didn't make kind of loans or payments. I asked them to send me statements, but I never received them and filed a dispute to the credit bureau and now it's been XXXX months and still no statement or emailed about such bill.
Product: Debt collection

Original amount Hospital supplied to collections was for {$1200.00}, which was disputed for nearly a year with Hospital not providing documentation requested. Collections agency " Merchant '' began regular calls. A case was filed with the IL AG XX/XX/XXXX, and on XX/XX/XXXX the Hospital provided written notice that all charges/collections were dropped, with a {$0.00} balance. No further communications have occurred since resolving. 

Following resolution of the balance, I have received calls again from Merchant on following dates ( all XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each call rings once then is immediately directed to voice message, where Merchant informs they are collections and I need to call back. 

On XX/XX/XXXX, I finally called back and spoke with an individual. They looked up my number, informed me 3 people were listed ( I only recognized my name ). When they looked into my name, I was told that the calls must be an error on their part and my account has been resolved. I was also told they would ensure removal of me from the calling. 
As noted above, I received a call again XX/XX/XXXX which gives appearance nothing has changed in status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/203 I notified Experian of fraudulent account reporting on my credit report by submitting a FTC Identity Theft Report. They have not removed nor blocked the fraudulent account.
Product: Credit reporting or other personal consumer reports

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite numerous requests over the past four months, the debt collector has failed to provide any documents or validate the information regarding the alleged debt. All inquiries made by me have been met with claims that they have no information to show, despite my submission of inquiries related to late payments, collections, and inquiries. I initially requested validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I asked for : 1. A complete and itemized statement of the alleged debt, including the original creditors name, the date the debt was incurred, and the amount of the original debt. 2. A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt. 3. A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization. 4. Proof that the agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation. 5. A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence. Per the FDCPA, they were required to respond to my validation request within 30 days of receipt. During this time, all collection activities were supposed to cease, and any negative information reported to the credit bureaus should have been removed. However, the debt collector has not complied with these requirements. This lack of response represents a violation of my rights under the FDCPA. Additionally, I am now invoking my right under FDCPA, 15 U.S.C. 1692c ( c ), to demand that the agency ceases and desists from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters, and electronic communications to me, my family, friends, or place of employment, as well as reporting data on my consumer report. Any further attempts to contact me regarding this matter will be considered harassment and may result in legal action against the agency.
Product: Money transfer, virtual currency, or money service

I opened up An account with the company Venmo Around XXXX of this year to be able to receive tips from The customers who ask if I have a Venmo. Since opening it up I haven't had to use it until recently a few days ago in XXXX. I had a customer ask if I had Venmo but the payment didn't go through but they were already gone and I didn't ask why. Then a second customer tried to send a tip and told me it said it wouldn't go through then noticed on my end it says my account was frozen. So I went to my email to see if there was anything in regards to that and I seen they sent me an email back in XXXX which I missed to follow the link to send a picture of my i.d . because there seemed to be fraudulent activities. So I sent a picture of my I.d . then they sent a follow up email to say my account was permanently deactivated without giving a reason why. I've tried to contact their customer service through phone but can't get anyone on the phone and then through email but they didn't give me any details just keep saying it's deactivated for good and dismissed me. I've never even used the account before until this month of XXXX so I'm not for sure if they got me confused with another user but they aren't given me any ways to be able to get through to clear my name and reactivate my account.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX
Product: Mortgage

On or about the beginning of XX/XX/2018 I was searching for loan companies to refinance my home to cash out about $ XXXX.After speaking with XXXX XXXX, XXXX XXXX and other financial entities, I contacted XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga # XXXX and Mrs.XXXX XXXX Sr Mortgage specialist lead me to believe I needed to go no further XXXX would and could complete my loan needs in 21 days.Mrs.XXXX had me to completed my loan application and also pay almost {$500.00} for an appraisal of my home, then about two weeks later Mrs.XXXX no longer communicate with me but someone name XXXX XXXX contacted me and stated he was talking Mrs.XXXX place and would complete the loan process, during several documented voice mail Mr.XXXX kept telling me the loan I applied for was in the final stage and would be completed the following week, then XXXX XXXX, XXXX XXXX and other people was involve in the loan process, then XXXX left for a wedding and so on but XXXX XXXX kept telling me the loan would be finalize.The loan never got finalize I don't know why.Around the latter part of XX/XX/2018 I spoke with a manager at XXXX and was refunded my appraisal fee, however due to the aggravation of my XXXX and mental and physical injuries from XXXX XXXX I feel the because of XXXX deceptive trade practices I should be further compensated.
Product: Checking or savings account

XX/XX/year> - I missed a call from Citi saying there is a suspected activity in my account. I need to call them back. XX/XX/year> - I called them back and spent hours with customer service. She told me that the account was good to go. However, it was not accessible. My checking account vanished from my phone app and online portal. I called XXXX option # XXXX and then option # XXXX. I got to talk to a guy. He spoke to me like I was involved in a crime. I am not sure what kind of customer service Citi has. What I experienced was terrible. Today it is the paycheck day. I can't accee my checking account to see if I get paid. That is unbelievable. He wouldn't tell me what had happened to my account but asked me many questions. He told me that I was under investigation. What??? Is he a policeman? I was offended by his attitude. How can a bank customer service department treat their customer like this? I am super disappointed. I told him that I would complain. After whatever they are investigating, I will close my checking account and say " bye '' to them. I won't put a dime into this type of bank. They took your money and then investigated you. We are in a lawful country. They can't take people 's money from hard work like that. Over XXXX hours, I can't access my account. That is wrong. The bank can use this time difference to make money. Citi needs to train their customer service staff better. They will lose clients.
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian is reporting non mailable addresses on my report. 
my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove all personal information and i am opting out of Experian sharing my non public information ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Debt collection

Received Validation notice ( Dunning notice ) I responded the next day. No response from collector. Two weeks later, I submit a request for response. No answer. No answer of any kind. Original Dept Verification letter has Company name, but fails to have a human to respond to on the notice. ( Credit Management , LP XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX ). ( CML ) I am XXXX with a 20 year XXXX XXXX XXXX history. I have a XXXX XXXX and can send you redacted copies of my letters to CML ). At my age, status and credit score, I'm, not worried... XXXX, but not worried.
Product: Mortgage

I co-signed on a mortgage for my daughter and son-in-law. during covid they applied for a loan forbearance. they were accepted, the loan was never in arrears, the loan has been re-written and is up to date. There is nothing outstanding and yet UBS bank has put a large false delinquency report on my credit.