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

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud on my credit report. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX/XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Product: Mortgage

This company called me after 3 weeks that I kept asking to speak to a supervisor because I reported them to the XXXX. Their response stated that XXXX has sent me the payoff request which is XXXX  and has absolutely nothing to do with the HUD lien put on my house because of the COVID19 forbearance plan. So again, I am asking WHERE DO I SEND YOUR XXXX MONEY SO YOU CAN REMOVE YOUR XXXX LIEN OFF OF MY XXXX XXXX HOUSE!? Why are you companies so corrupt. I am trying to pay this back EARLY so my mortgage is clear! I was told I would be contacted today and their response is some XXXX  again. I NEED TO PAY THIS XXXX BACK!!!!!!!!!! GIVE ME A XXXX LINK where I can transfer you the money and clear my mortgage!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights 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 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

back in 2020 i advised company i was victim of identity theft and provided documentation at that time
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 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  - Incorrect DOB These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX FCU on XX/XX/XXXX under the account number XXXX, another credit card at BRANCH XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, credit card opened at XXXX XXXX XXXX on XX/XX/XXXX the account number XXXX a personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account at XXXX XXXX on XXXX XXXX under account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2900.00}. 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 AND # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XXXX, I attempted to open up a business bank account with XXXX XXXX XXXX XXXX located in XXXX, GA zip code XXXX. Upon trying to open up my account with this credit union, I was informed that I could not open up my account due to a fraud matter showing on my credit or consumer report. The following information that is inaccurate on my reports/files is as follows : Contributor : BANK OF AMERICA XXXX XXXX XXXX : XXXX Name : SSN/Tax ID # : SSN/Tax ID # : Address : ID # : ID Type : Other Date of Birth : Bank Routing # : XXXX Account # : XXXX Account Type : Unknown Incident Date : XX/XX/2018 Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud The person ( s ) who attempted to open up this account or open this account submitted the wrong DOB. They had my parent 's address and all my other personal information. However, the DOB provided is not my DOB.
Product: Debt collection

On XX/XX/2019, I was served with a citation on a lawsuit from XXXX XXXX   XXXX  with Scott & Associates listed as the attorney for the plaintiff. After much research, I discovered that XXXX had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per XXXX. XXXX XXXX claims that they are not a collection agency and that they referred the account to Scott & Associates, a collection agency law firm. I never received any type of communication from Scott & Associates prior to being served with a citation. I sent Scott & Associates a request for debt validation. The only thing they sent me was a few of the bills from XXXX and where I had applied for a credit card with XXXX on the Internet. That in no way validated that they had the authority to collect the debt. I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. My complaint against Scott & Associates is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with Scott & Associates.

This is my second complaint. Evidently Scott & Associates put an incorrect address on the petition with the court and my complaint was sent to the wrong company.
Product: Mortgage

Despite multiple complaints over the past two years, and the intervention of the CFPB the company continues to provide the same inadequate information, make excuses, attempt to transfer blame to me, provides the same answer over and over although they continue to repeat, and repeat, and repeat the same things. 

The last letter they provided is additional evidence is found in the last letter which restates what they have said for two years. 

I have repeatedly taken the actions they have suggested and all have failed repeatedly.
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  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, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

I got a letter from experian credit company letting me know that someone had hacked XXXX system stilling information like Social Security date of birth so for that happening they offered me free identity theft I have not had a phone since XX/XX/XXXX XX/XX/XXXX through XXXX but someone has tried to get a phone of XX/XX/XXXX in my name they also tried again in XX/XX/XXXX XXXX bill is for {$490.00} the other bill is for {$2200.00} and this is not me
Product: Credit reporting or other personal consumer reports

XXXX  company  has let someone open an account in my name twice I contacted them several. times letting them know it was fraud and to close the account asap and they won't close account
Product: Credit reporting or other personal consumer reports

I had disputed an account on my credit file to Equifax XX/XX/XXXX as well as the 3 major credit bureaus. Equifax file # XXXX All of the information was submitted by mail for the first time on or about XX/XX/XXXX via certified mail as well as several subsequent mailings to XXXX, XXXX, Equifax and XXXX. An investigation was done and I was notified by every agency except for Equifax that the file was removed from my report permanently. I had called Equifax several times and had been given verbal confirmation that this file was removed after the 30 day waiting period when the merchant/account in question did not respond to Equifax 's requests. Since late XX/XX/XXXX this file has not been listed on any of the 3 bureaus listed, however XX/XX/XXXX I was denied credit due to Equifax reporting this account on my file. The agent for Equifax stated " it just recently started reporting again '' and " there was nothing they could do about it '' Equifax also stated that they have NEVER received any documentation from me regarding this account when their is an existing file number and this was investigated and removed only to be reinserted which is a violation and willful non-compliance under the statutes. This statement is inaccurate as all bureaus received several letters, court filings etc regarding this account via certified mail. I will be taking legal action against Equifax for violations of the FDCPA and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

all of the credit reporting services are reporting false information about XXXX XXXX  and self and XXXX XXXX and XXXX XXXX they have my name listed as my fathers name because we kind of have the same name. he is a sr and i am a jr
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account and inquiries from my credit report. I am a victim of a data breach, and these entries are the result of identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file.

Fraudulent Account : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of identity theft, resulting from a data breach. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information removed from my credit file. 
Accounts to Block and Delete XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2100.00} XXXX. XXXX XXXX  - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$300.00} XXXX. XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} 7. DEPT OF ED/XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX XXXX XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$510.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2700.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$240.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$910.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} 16. DEPT OF ED/XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/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 have requested several times for investigation and proof that account Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Is accurate and verified by original contract and company has failed to provide proof and I demand that pursuant to my rights under the FCRA that this account be promptly removed from my credit report
Product: Mortgage

Freedom Mortgage took over my loan for my new house once I purchased this house back in XXXX of XXXX. They gave me a po box to send my payments to at that time. My payments were setup by my bank, and they mail the checks to Freedom Mortgage every month on time. But according to Freedom Mortgage they never received the payments for XXXX & XXXX of XXXX. My bank provided them several letters that the payments were made on time. These letters were signed by my bank, and they could have called to verify that information. They refuse to take any of my information from my bank. Come to find out that they changed the po box numbers without letting me know and the check was sitting in the wrong box they never cashed the checks. My bank sent them another check since it was past 30 days. After months of going back and forth with them they stated that they would go back and fix my credit well that was a lie. I filed a dispute with XXXX, XXXX XXXX XXXX and I have sent them all the same documentation on XX/XX/XXXX and I keep getting the run around. I pay all of my bill 's time each month this was no different. I keep calling XXXX they claim that Freedom Mortgage will not respond to the dispute at all.
Product: Money transfer, virtual currency, or money service

My account is frequently restricted and support is extremely difficult to contact. They don't answer their phone. They don't give much help over email or chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by experian, XXXX, XXXX pursutant 15 usc 1692, and 15 usc 1681
Product: Money transfer, virtual currency, or money service

While Cash App someone was trying to send {$65.00} back to me and the transaction went through on her mobile but on my mobile there were no money being transferred with that transaction. I looked for customer support contact and only came up with an option to send an email but I never got a notification for receiving my email nor did receive an email back Cash app. I never received my {$65.00} dollars from Cash App
Product: Money transfer, virtual currency, or money service

I have a PayPal account with my email. To note, I have my bank account linked to my PayPal account. On XX/XX/year>, I saw on my bank statements that 2 withdrawals were made with each amount being XXXX XXXX so in total XXXX $ were withdrawn from my account. I didn't realize it until a couple of days later when I accessed my email. On XX/XX/XXXX, someone gained unauthorized access to my account and added a number ending in XXXX. I got the email from PayPal on XX/XX/XXXX at XXXX. The same day, at XXXXXXXX XXXX, I got an email stating : " XXXX XXXX, your password changed ''. Not only did they acknowledge me by someone else, the hacker changed my password. On XX/XX/XXXX at XXXX, I got another email from PayPal saying : " XXXX XXXX, you removed your bank account ''. Again, they are not referring me by my name and by someone else. Also, the bank account that was removed was : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received another email from PayPal stating that they are processing my request to transfer funds to my PayPal account from my XXXX XXXX account ending in XXXX. XXXXThey ended up adding their XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I get another email saying that the XXXXwo deposits that PayPal Sent to the bank account to confirm the bank that was added was returned. Same day at XXXX XXXX, password was changed. On XX/XX/XXXX at XXXX, I got an email from PayPal saying a new user was added : XXXX XXXX was added as a second user. I created my case but PayPal deems is as authorized use. Fast forward to XX/XX/XXXX, I removed the hacker 's phone number and added mine ending in XXXX. Today on XX/XX/XXXX at XXXX, the hacker removed my phone number and added theirs ending in XXXX. PayPal is refusing to give me back my XXXX $ despite me opening cases and appealing. They are not even asking for documentation or my emails I have been receiving. I have spoken to many agents from PayPalXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and still the same thing.
Product: Debt collection

PORTFOLIO RECOVERY A is reporting 2 collections account to my credit ( XXXX ) i do not own this debt and i called them and they said yes you do not have an account with us but theu still reporting the debt.

this 2 collections hurt my credit and stopped me from getting Mortgage.

i would like this 2 account to be removed asap. 
thank you
Product: Mortgage

we refinanced the house and the company Lakeview but XXXX takes the house payments. Our contract stated that once we signed the paperwork we didn't make payments for the first two months. So we start making our payments and they send back our house payment saying we are behind 3 months and they aren't accepting our payment unless we pay in full ( three months ). We called Lakeview and they say we are good but XXXX says we are behind. We have called Lakeview but they don't seem to have the stuff together. I'm warred about losing my home because of their stupidity. Until we refinaced the home all was good. Since refinancing things have gone down hill. My loan number is XXXX. We would like to get this fixed asap as it also effects my credit rating and my good name. Maybe this company shouldn't be servicing VA loans.
Product: Debt collection

Requested extension for my vehicle with Ford Motor credit customer service because I was affected by Covid-19. The 2-month extension was approved, and after the extension period was completed, I resumed making the monthly payment. I received letter dated XXXXXXXX XXXX notice of default for these payments. I was told was told they were extended to the back of the contract. Ford has reported the payment past due 30-60 days. Ford Customer service provided misleading information it has damaged my credit rating and scores with the 3- credit bureaus XXXX XXXX and XXXX.
Product: Checking or savings account

On XX/XX/2022 I opened a chase business account online. I would have rather opened an account in person however there were no available appointments anywhere near me at a Chase branch.I funded the account, was issued a debit card and began providing the account details to merchants, vendors and my direct deposit provider. Chase also provided me a promotional code for cash back after funding and making 5 transactions. I attempted to login to Chase website on XX/XX/2022 and it instructed me to call however it was after XXXXXXXX XXXX and they were closed. I called again on XX/XX/2022 and the hold times were incredibly long to speak with someone. I waited over an hour before I had to disconnect the call to get back to work. I finally spoke with someone on XX/XX/2022 and I was told that my account had been closed because the account was opened online and a " suspicious '' email and phone. At no point did Chase call, email, or otherwise send any correspondence to me at any of the contact methods they have to let me know they needed verification. I have been a client for over 20 years so if they wanted to make an effort to get in touch with me they would have tried. The representative I spoke with on XX/XX/2022 confirmed that no effort was made to contact me about the account closure. Adding insult to injury, Chase continued to send me marketing offers via email after the account was closed. They were able to contact me to sell products but not to inform of a pending account closure. My small business has been disrupted as I have to open a new account elsewhere and redirect payments and deposits. Chase made no attempt to remedy this situation and showed zero remorse over their error, lack of effort and general incompetence in this matter. I was treated unfairly by a mega organization with virtually limitless resources. There is no recourse when they step all over the small business owner. Disrupting minority owned small businesses is not the right thing to do.
Product: Debt collection

Collections company has been calling and harassing my mother for over a year when shes not responsible or tied to this debt. I never received written notice for this. I dont believe this debt collection account is mine. Company has been calling me numerous times after I asked them to stop and calling later at night after normal business hours