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

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I paid Omega RRC for a debt they said I owed for XXXX XXXX XXXX, however, XXXX XXXX XXXX closed and I am not able to use the services or have services provided prior to their closing. I paid Omega over {$2500.00} so that they would n't ruin my credit as they were threatening to do so. I called Omega and explained the situation and they supervisor XXXX said that I should continue to call XXXX XXXX which the line is busy XXXX. I paid Omega travel on XXXX via XXXX XXXX the balance they stated we owed. Omega collected on a company that is closed, the XXXX also states they are out of business and Omega has n't been able to send us documentation that the amount was owed. I feel we received NOTHING for the money we paid Omega so we should receive our funds back from them. Any assistance you can help in resolving this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for an auto loan with XXXX XXXX, this is a fraudulent account reporting on my credit profile which is violating my rights under Fair Credit Reporting Act 15 U.C Code 1681. This Fraudulent account is hurting my ability to obtain credit because my credit report is not updated accurately. I didn't give Equifax the right to furnish my consumer report to XXXX XXXX. Equifax is a third-party corporation, and I didn't give them permission to use or communicate my information with any third parties under U.S. Code1692c ( a ). I am demanding that XXXX be remove from my credit file immediately. 
I will be seeking statutory damages.
Product: Credit reporting or other personal consumer reports

There are hard inquiries from several companies I do not recognize. Such as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

I opened a credit card with Citibank in XX/XX/XXXX. I made my first payment of {$1000.00} on XX/XX/XXXX ( the date it left my account at XXXX ) via bank to bank transfer, from my account at XXXX to the credit card account. This is an electronic funds transfer -- instant cash to Citi. However, I learn today on XX/XX/XXXX that my payment was being held by Citi until XX/XX/XXXX! This is unacceptable. Citi has my money. I no longer have the money in my account at XXXX. That is 9 DAYS! In this day of EFT, overnight clearance of personal checks, etc. it is absolutely unacceptable for Citi to hold on to my money ( cash via EFT ) and this long before I get access to it. They in turn are using my money ( along with that of others ) in overnight lending to make money on my money. They should not be allowed to hold onto my money this long when it is a bank to bank transfer.
Product: Debt collection

Listed as COLLECTION Collection/Chargeoff new account New Accounts Lender No name listed Type Listed as other Balance {$1900.00} Status Date Reported XX/XX/2019 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name COLLECTION Original Lender COLLECTION  Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 7 Months Credit Limit Not Reported Highest Balance {$1700.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I called the number listed on the credit report. I was asked just my name told them and they said I have to transfer you to another person and gave me the phone number of XXXX then was transferred. The person who answered asked if I felt comfortable fiving him my full SS number I told him no, how the person I spoke to asked me my name and told me I needed to be connected to a different department, so he looked up my name and said nothing was coming up that I had to give him my full SS number. I told him no am just going to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There fraud accounts on my credit that are reporting. these are accounts are not my accounts. My identity was stolen and use to open these accounts..
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate Even after exercising 15 USC 1681i and sending letters to each credit reporting agency and there was no change. According to the FAIR CREDIT REPORTING ACT whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 
check the attachments below.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of these INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, 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 ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 consumer filed chapter XXXX bankruptcy and was discharged XX/XX/2018. Consumer noticed and disputes the inaccurate information reported on the credit reports and as of this day they are still refusing to remove in accurate information dispute a court order showing the items were discharged  in bankruptcy. Consumer filed a complaint with this organization and this issues has not been resolved. 
1. XXXX XXXX  2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX XXXX 5. XXXX  XXXX  6. XXXX XXXX 7. XXXX XXXX XXXX
Product: Checking or savings account

Hello, I opened an account with Citi to receive a XXXX bonus. Here is a timeline of the events : XX/XX/18 Opened Citi Checking and Savings using offer code. 
XX/XX/18 Funds electronically transferred XXXX to checking and XXXX to savings per the requirements. 
XX/XX/18 I qualify at this 60 day mark but I need to leave funds there until XX/XX/18 aka 90 days after qualifying. 
XX/XX/18 I did online chat with Citi verifying that everything was in place and was told funds would be deposited on XX/XX/18. I saved the text of this chat. 

XX/XX/18 Viewed account and did not see bonus. Citi opened an investigations but they admitted they should have applied the bonus. Their back office is determining why. They said Id receive an email from back office by XX/XX/18. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 I did chat again where told email would be there soon. I saved the text of this chat. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 Chat again and was promised email by XX/XX/18. I saved the text of this chat. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 Still waiting on an email from back office. 

XX/XX/18 Still no email regarding bonus so reached out to you at consumerfinance.gov for assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with KIKOFF, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.

After speaking with KIKOFF customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.

KIKOFF is tarnishing my name and credit profile by reporting these accounts ( late payments inaccurately ) without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Product: Debt collection

I had this argument on CFPB XXXX and with XXXX  XXXX XXXX XXXX XX/XX/year>. I am being threatened with legal action by a third-party debt collector. I have no communication with this debt collector and no idea who they are. This debt is not mine because it was proved to be fraud back when I first reported on XX/XX/year>. No payment was made after XX/XX/year>. This is because I was overseas with the XXXX and the amounts were being drafted prior to my knowledge. My wife took over the bills and was not aware who or what was being paid. Upon my return from XXXX  obligation, I blocked the fraudulent payments being withdrawn and requested a full investigation with XXXX  XXXX XXXX. XXXX  XXXX XXXX never sued me and sent me a check for about 50 % that was taken. This is the third debt collector in over 10 years. This new debt collector is now threating legal action, see letter attached. There is also a bogus fake lien on the property by a prior debt collector. This is not my signature on any document that was provided by XXXX  XXXX XXXX, and the issue was resolved. Now over 11 years in the state of XXXX, a new debt collector is calling, I don't answer and sending new collection letters. My credit report has been clean last 12 years of this bogus ZOOMBIE debt. 
Stop contacting me! I have had enough of this going on 12 years! I am about to go talk to a lawyer. 
ZOOMBIE DEBT with Fraudulent notes going on 12 years.
Product: Debt collection

Revco Solutions contacted me, XXXX XXXX at XXXX, multiple times in attempt to reach XXXX XXXX, my sister in law, on behalf of a medical bill for her minor child, XXXX XXXX. They have called on XX/XX/year>, XX/XX/year>, and now XX/XX/year>. I have never given Revco my contact information or anyone else 's in XXXXXXXX XXXX  family. They have also tried contacting XXXXXXXX XXXX  parents in attempt to collect this debt. They provided protected health information regarding XXXX by providing XXXX XXXX XXXX XXXX and indicating that he is the person with the outstanding bill that they are trying to collect. This is a violation of the Health Information Protection and Portability Act as it is illegal to give Protected Health Infromation away without first confirming the person to be an authorized contact. I am requesting Revco immediately stop contacting anyone other than XXXX XXXX in effort to collect this debt, and any further attempts to try and contact anyone else will be met with legal action.
Product: Credit card

On XXXX  I purchased a watch online from XXXX XXXX in the amount of {$5400.00}. When the watch hadn't arrived in six weeks and the company couldn't tell me when it would, I filed billing dispute XXXX XXXX  with Citi Cards on XXXXXXXX After providing a conditional credit for the full amount, Citi clawed it back stating I had not provided sufficient information even though they had the original receipt for the purchase along with an email from XXXX XXXX stating they agreed to cancel the order and refund my credit card. No refund has been received as of XXXX 

Subsequent multiple contacts with Citi Card 's dispute dept. usually results in sympathetic expressions, contradictory requests for either more documentation which I have submitted or an indication that I have submitted too much documentation, and a promise they would communicate their support to the " investigator. '' Ten weeks have passed since the original dispute with no resolution nor a timeline for when one would be forthcoming. 

As a consequence, I can't help but feel victimized twice, first by XXXX XXXX which has agreed to issue a refund but failed to do so, and now by Citi Cards which has failed to clearly lay out an adjudication process and has provided no protection for this purchase despite the fraudulent behavior of the merchant.
Product: Debt collection

On XX/XX/2018, I received a letter dated XX/XX/2018, alerting me that I owed a debt to " XXXX XXXX XXXX XXXX XXXX. ", a company I had never heard of before. At the top of the page was an original creditor and debt description, for an old XXXX account that had been paid in full at least a month ago- long enough for my XXXX report to mark it as paid. This debt collection agency, Dynamic Recovery Solutions, sent me this collection notice with nothing but a XXXX XXXX address on the outside of the letter, and a XXXX XXXX address in the letter. I worry it may actually be fraudulent. This debt was settled, paid in full, to the original creditor directly. I should not still be receiving debt collection notices.
Product: Checking or savings account

Hello my complaint it's going to be for Wells Fargo. I had XXXX XXXX in CD. Somehow my money were gone there were given me fake papers saying I took the money when I never did and the same time I took {$100000.00} in loan to build my credit in the same time I had my CDs And I had {$300000.00} in my savings and checking account. My loan was on auto pay and for some reason I don't know how I missed a payment they took all the money from my account because I missed a payment. The remaining balance was XXXX I did spoke to them before when I was having this problem and I was like I where is my money they said I took them but I never did I told him I'm going to be taking screenshots from my online banking account because it keeps changing numbers. I told that to the XXXX and he told me it's fine you can do that the screenshot will be deleted automatically and that was true any screenshots I took were Automatically removed they kept acting like XXXX lying and all they were saying is I took the money and I never did. I'm a real estate investor in Pennsylvania because of the situation I couldn't finish my remodeling for my building
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation to Lexis Nexis because they continue reporting in my risk report the account XXXX I received a letter on XX/XX/2019 in which indicates that they verified that XXXX CASE NUMBER XXXX is accurately correctly reporting. I understand that LexisNexis is not doing its job correctly because in a past claim they sent a letter directly to you stating that this account was deleted from my records ( attached copy of the letter ) I demand to delete that account from my LexisNexis risky report. That UN accurate account is affecting me on my personal information
Product: Money transfer, virtual currency, or money service

Something keep charging me and kept taking money out of my account I had got in contact with the cash app support people to try to see if they can refund my money but they said they dont have any further information at this time to do so.
Product: Credit card or prepaid card

i received a call from Target that someone tried to open a store credit card in my name. They asked me a few questions which i answered no. they said they would decline the application and to report the incident to you ( FTC ) today is XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate and unverified information, which I have disputed with the credit agencies without receiving an adequate response. Below are the key violations under the FCRA that apply to my case : - **15 U.S.C. 1681b ( c ) : ** This provision regulates access to credit reports and stipulates that reports should only be shared with individuals or entities with a permissible purpose. In my report, inquiries have been made without my authorization.

- **15 U.S.C. 1681s-2 ( b ) : ** This establishes that information providers must correct and update any inaccurate information after receiving a dispute. In my case, the disputes have not been properly resolved, nor has the required verification been provided.

- **15 U.S.C. 1681e ( b ) : ** This law requires credit agencies to maintain maximum possible accuracy in credit reports. The negative information in my report remains unverified and is unfairly affecting my credit history. 

**Requested Solution : ** I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary actions to ensure that the inaccurate information on my credit report is corrected or removed. I demand that my consumer rights under the FCRA are respected, and that the mentioned violations are rectified as soon as possible.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires and account in my credit report.please remove that. XXXX XXXX inquire date XX/XX/scrub> 2024 XXXX XXXX inquire date XX/XX/year>2024 XXXX XXXX  inquire date XXXX  XXXX 2024
Product: Debt collection

XXXX with XXXX, -XXXX  XXXX XXXX- called and left a message at my place of employment, which I am not working at right now as I am on XXXX. He lied to an employee of the company saying that the call was regarding an " application ''. When I returned the call to him to find out what it was regarding, he then stated that It was a collection account. He threatened to serve me legal papers at work. I stated a couple of times that I was on XXXX and not working, and he asked " what does that have to do with it? '' He was rude, condescending and a bit harassing. Also, he stated the address that they have sent information to, to which I responded was not my address. I told him my mailing address and he responded that they needed my physical address. I told him that I wasn't giving them my physical address and that they needed to send information to my XXXX XXXX , which is when he threatened to have papers served to me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau is reporting three collection accounts with XXXX XXXX , XXXX in the amount of {$41.00}, {$41.00} and {$220.00}. This is not my account and is identity theft. I have disputed these collections accounts several times with the credit bureau and the creditor XXXX XXXX , XXXX. I was the victim of identity theft in the past as well.