23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Your bank will be shown to have not performed a proper security of their own account holder that impersonated one of your legitimate account holders to authorize the payment to my company. Your security was breached and the person acting on your behalf should have performed a more thorough security check by going off line and making sure this is the person that was intended to release such money and as a result of your lack and regard for who your client supposedly was and not properly authenticating same you authorized payment to my account that was clawed back.. In addition to this security breach because they were able to obtain information of your client they put this information and paid my initial credit card balance of 44K or so and therefore induced us to spend more money on this scam ... Because they were able to steal your clients personal information and bank information this allowed this SCAM to take place. This will be shown in court and you will be liable for damages. This will go to the media etc to show that your bank allowed these scammers to violate and steal information. I want you to pay XXXX the XXXX and I will not pursue this further. XXXX already admitted that were are flaws in the banking system and loop holes.. IF you dont want this to go further I would recommend you address this with XXXX
Product: Debt collection

This debt has been on my record since XXXX its been dormant and disputed, now after 6 years, it is now affecting my score when i was told it would fall off in 2-5 years. Why has it resurfaced?
Product: Debt collection

XX/XX/2015-Checked in one of XXXX hospital 's XXXX XXXX XXXX for XXXX. Was there for about 45 minutes before release. My XXXX was taken three times, XXXX XXXX and XXXX was done, they tried getting me to do an XXXX but I refused. Upon leaving I asked for my bill, they insisted on sending it to my house. I begged the receptionist to at least collect my XXXX % and she did collect {$49.00}. During the course of the next two weeks I received several bills from XXXX hospital, XXXX XXXX Hospital and XXXX XXXX Care all the bills were for the same amount {$1.00}, XXXX. I call the number on the bills and they all led me to XXXX hospital. I provided them with my Insurance Information, XXXX paid them a portion and I paid my remaining portion and it was over with. Exactly 1 year later now, I received this notice from a collection agency, it appears that someone got a Judgment against me for the said amount and sold my information to this collection agency without my being aware of any of this. According to the collection agency this information is already on my credit report. Please help me. 
My Information was sold to XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and the one who is now harassing me - Credence Resource Management LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone : XXXX. They also have a XXXX XXXX. address : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone : XXXX. I do not know any of these people and have never done any business with them. If this his is how XXXX Hospital handles patients private and confidential information it really is a disgrace.
Product: Vehicle loan or lease

The company was Wells Fargo, I believe i was incorrectly charged for GAP insurance as well as other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has given out false information to credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts below, have 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 an account without my written instructions. 

Accounts are below : XXXX XXXX XXXX XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX  XXXX  Acct # : XXXX Amount {$2300.00} XXXX  XXXX  Acct # : XXXX Amount {$400.00}
Product: Vehicle loan or lease

Yamaha Motor Finance Corp reported me late to all three credit reporting agencies, XXXX, XXXX and XXXX  during the Pandemic. I was never 30 days late. I tried explaining this with Yamaha Motor Finance Corp SEVERAL times. They were very nasty, rude and wouldnt help me in any way. Not the way they should handle this situation, especially during the COVID crisis. Now my credit is ruined which I work very hard to maintain. It also caused one of my other credit cards interest rate to TRIPLE!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax never confirmed my credit report freeze ( the other two bureaus did ) Equifax never provided me with my free credit report ( the other two bureaus did ) I received a text today from Equifax stated " Trusted ID detected activity needing your attention. Log into your acct or call customer service ) -- so maybe I have some product I am not aware of I log into Trusted ID with email and typical password and find I have an account. 
The website said I needed to contact customer service. 
The first time I called, my call was answered in EIGHT minutes. And then I was DISCONNECTED!
So I call back in. I 'm connected more quickly and am typing this as I 'm on the call for 15 minutes and 24 seconds. NOTHING has been provided. I do n't know if I have an account freeze. I have learned NOTHING about the text that was sent to me and I have no assurance of getting a credit report. 
I can not understand the customer service representative, named XXXX. 
THIS COMPANY needs to go out of business. 
PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the XXXX credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting XXXX of the XXXX agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from XXXX. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was XXXX. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other XXXX agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up XXXX of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I personally went to the XXXX XXXX of Missouri courthouse and requested a document stating that the courts do not report to third party credit bureaus. On XX/XX/2023 I received a response from the court stating that they do not report bankruptcy to anyone. So if that's the case how did the credit bureaus verify my bankruptcy is 100 % accurate? They never did a fair investigation according to 15 USC 1681. 

15 USC 1681 section 603 State the terms investigative consumer report means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such of the information. However, such information shall not include specific information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor or a consumer or the consumer.

They have also violated my rights numerous of times.

The credit bureaus violated my given rights under 15 USC 1681.

According to USC 1681 section 6028 States I have the right to privacy.

According to 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 a person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX I was notified by one of my credit card companies ( XXXX XXXX ) that they were severely reducing my available credit due to adverse activity on my XXXX credit report. I went on line and created an XXXX account and viewed my credit report. I discovered that there is a USAA credit card account opened on XX/XX/2020 in my name. The credit card has a credit limit of {$10000.00}. Per the XXXX report, there was purchases/activity of {$9600.00} in XX/XX/2020. No payments were made. This is the adverse activity that XXXX XXXX based its decision on. 
On XX/XX/XXXX, I called USAA ( XXXX ) to ask about the account. I was transferred to their financial crimes unit and spoke with XXXX. I explained what was happening and informed him this was not my account. He explained that a USAA team would investigate. 
On XX/XX/XXXX, I called USAA ( XXXX ) as a follow up to the XX/XX/XXXX call. I talked with XXXX. I explained that I have received the results of a XXXX dispute. The dispute determination was that the account was mine. I explained this is not true. XXXX asked me if I had ever been in the military. I responded no. She seemed concerned that there was military information on the account and told me should would escalate to the investigation team. She told me to call back after three business days. I asked her to send me a copy of the fraudulent application that was used to open the account so I could file a police report. She said should would. 
On XX/XX/XXXX, I called USAA ( XXXX ) as a follow up to the XX/XX/XXXX call. I talked with XXXX. XXXX informed me that the investigation determined that the account was mine. I responded that this was not true. I again asked for the fraudulent application used to open the account so I could include it when I file a police report. He refused and stated that no one will do that. He refused to help me any further. 
I have never received the fraudulent application used to open the USAA credit card account. After this discussion I filed a police report with my local police department ( XXXX, Ohio ), On XX/XX/XXXX I filed an identity theft report with the FTC. I sent a letter to USAA on XX/XX/XXXX via USPS overnight express concerning the fraudulent account. I included the identity theft report, proof of identity and Notice to Furnishers on Information. In the letter I requested USAA to close the unauthorized account, remove any charges on the unauthorized account and take steps to remove information about the unauthorized account from my credit files. The USPS tracking number is XXXX. 
USAA has never responded to my letter sent on XX/XX/XXXX. The USAA credit card account is a fraudulent account. I am not a USAA member. I have never been a USAA member. I am not a US military member. I have never been a US military member. I have never contacted USAA concerning insurance, banking, credit cards or any other of their products or services with the exception as stated above concerning the fraudulent credit card account.
Product: Credit reporting or other personal consumer reports

The below accounts have been reported on my personal credit report experian. These accounts are XXXX XXXX accounts that belongs to someone else. I was a employee of the business and not affilated to the business as far as ownership. First off, they are not my accounts it belongs to someone else, also, these are business accounts that do not belong to me. These accounts need to be removed from my personal credit report. The company name is XXXX XXXX XXXX XXXX. I have attached the necessary docs to show. 

XXXX account : XXXX opened XX/XX/year> XXXX XXXX account : opened XX/XX/year> XXXX
Product: Student loan

Loans indicate a starting amount that is much higher than the disbursement plus capitalized interest. Some include disbursement fee and repayment fee

. There are 3 that still have my cosigner even after being in repayment almost 20 years. Repayment total {$20000.00}, interest paid total {$51000.00}. How is my interest paid 149 % the amount of loan paid? How is this not predatory lending? Of my original {$55000.00} I still owe {$34000.00}. After 17years I have only paid 37 % of my loan? My loan with the highest interest for the first 2 years I only paid down {$550.00} and paid {$2400.00} in interest. Of the original loan amount of {$15000.00} they added on {$520.00} ( 3 % ) repayment fee, {$900.00} ( 6 % ) disbursement fee, and {$1500.00} of capitalized interest. All of my loans also show an unpaid Principal balance value that is almost twice the amount of the loan plus fees. For example on the {$15000.00} loan with fees above ( {$520.00}, {$900.00}, {$1500.00} ) was total {$17000.00}. However the unpaid principal balance value was {$32000.00}. Was interest calculated on this higher incorrect amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company in question on numerous occasions as well as the reporting credit agencies. I am a resident of Indiana being accused of accounts in Oklahoma. I have sent multiple methods of verification with no response. When I did finally speak with someone at the collection agency she was rude and unwilling to resolve my issue and treated it as a personal attack on her, when its my reputation on the line.
Product: Vehicle loan or lease

seller over charged this buyer. when buyer contacted the seller about the over charged amount the seller turned a deaf hear. moreover the seller sold a car with damages on the vehicle. Buyer haven't heard from the seller related this cause.
Product: Credit card or prepaid card

Our business Been close since XXXX and we haven't been available to made a single payment on our business account, and they as a tactic to collect the debt has been reporting to my personal credit now my personal credit is mess up and I can't neither rent an apartment because there is a report of no payments on a business account. 

I tried to settle the account and offer the bank to made 6 payments of XXXX each to settle the account the bank say they no willing to settle, I have no option other than close business we on the entertainment and our business has been no operative for a long ride if we can't settle it we will no settle this will be no other option than file bankruptcy in both personal and business and I am trying to avoid this.
Product: Credit reporting or other personal consumer reports

remove all hard inquiries that were made without my consent 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to gain interest in my credit and building it due to my mom, I made an account with identityiq to get a full report and noticed multiple unauthorized accounts as well as unauthorized inquires on my report and I'm lost on the fact that whoever was able to steal my identity or information, I was/am not aware of any of the accounts or inquiries. The fraudulent accounts are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent Inquires are listed : 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
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my XXXX XXXX XXXX account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ACCOUNT THROUGH XXXX XXXX -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$520.00} with a current payment status, XXXX is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as ( {$140.00} ). I have attached a copy of ( my XXXX XXXX XXXX statement that proves your balance is in correct ).

Thank you,
Product: Mortgage

I contacted Chase about refinancing an ARM loan for a Second home. Only after I was asked to send my W-2 and tax documents through an unsecured email and after a hard inquiry on my credit was I told because I rented the property in 2018 that I could not it as a second home even though I do not have renters and am not holding the property out for rent. A manager also informed me that I could not apply to refinance my second home because it was an investment property if my parents stayed at the home where I paid the mortgage. This seems wrong to me. I only received this advice once I disclosed my sensitive personal information and my XXXX background. I was encouraged to withdraw my refinance application or be charged an exorbitant rate. Something seems wrong here, including the companys statements about classifying my home as an investment property.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account XXXX  XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported 30-day late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit XXXX XXXX {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least 21 days prior to the due date, which has been violated as evidenced by the late reporting.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within 15 business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX