23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Due to the current pandemic of covid, cable, satellite and communications companies allow people to open accounts online and because anyone can easily manipulate an identification care, i.e., drivers license, passport, etc., these companies have made it easier for fraudsters to open accounts under anyones identity at any mailing address without proof of residency, i.e., electric bills, lease agreement, deed of trust, cell phone bill, etc. 

When these fraudsters open an account, they dont pay the balance, then the balance is reported to the credit bureau as a default of payment. The companies listed above that allow this, now ask the person whose identity was stolen to provide proof of their identity in literally an 812-page affidavit with copies of proof of residency in order to stop the collectionsthis should be the other way around, these companies should ask the applicant to provide proof of residency. 

Bottom line, the companies above should have some form of regulation if they are going to make it easy for anyone to open an account. I have asked the collection companies and XXXX, the account Ive been reported to open, which I did not nor have I ever done business with XXXX. They refuse unless I provide an 11-page affidavit and provide proof of my residency that I have never lived at the address in question in the outstanding debt. 

They should require some type of two-factor authentication, i.e., a cell phone where they call you and verify the cell phone registered/opened under your name. Something besides fill out our online form with a picture ID that can be forged/altered. They make it easy for anyone to open an account but make it extremely time consuming and difficult along with an inconvenience for you to prove the account was never yours that they opened. This is outlandish and should be addressed through new legislation to help prevent identity theft and consumer anguish. 

In my case, apparently XXXX opened an account through an online application sometime in early XXXX and began collecting on it in XXXX XXXXand I only found out because I monitor my credit report. That said, when they opened the account, they do not report it to the credit bureaus that the account is openedso I could have caught it thenno, they report it to the credit bureaus only when it becomes delinquent. 

In my case, the first report was in XXXX XXXX, and when I disputed it, it was removed only to reappear in XXXX XXXX through CCS Collections and then reverify it on XX/XX/XXXX after I reported it as disputed. I have disputed it again and they refuse to remove it and refuse to provide documents to demonstrate proof that I opened this account.
Product: Credit card or prepaid card

My wife and I have a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( EIN XXXX ) specializing in art prints, room decor and melamine plates for children - all our products are 100 % Made in the USA. We have been in business since XXXX. 

Due to COVID-19 XXXX XXXX has seen a significant disruption and drop in orders and revenue combined with a loss of a Texas-based supplier of melamine plates. 

XXXX XXXX has 2 credit cards with Chase since approximately XXXX, and we never missed a payment ; in fact we always pay all our bills on time. In XX/XX/XXXX, I reached out to Chase regarding their advertised " COVID-19 support for XXXX XXXX  '' campaign that promised : " ... We're committed to supporting you during these challenging times ... ''. We did not have a minimum payment due on both cards between XXXX - XX/XX/XXXX. However, we have been charged exorbitant interest fees of {$1000.00} ( between XXXX - XXXX at 15.99 % ) on one card, and {$640.00} ( between XXXX - XXXX at 13.24 % ) on the other card. The interest rates continued to accrue during this COVID " assistance '' period. On XX/XX/XXXX I contacted Chase customer service explaining that we continue to face significant disruptions in our business due to COVID and requesting ( 1 ) a reduction in interest rates going forward ( so that we will pay off the cards ) and ( 2 ) a waiving of interest fees for XXXX - XXXX period. Ideally we would need a reduction in principal as well but we have not asked for that since the interest rates were according to Chase " non-negotiable ''. Chase 's hard-line approach and unwillingness to work with a XXXX XXXX  such as ours so as to allow us to stay in business and continue to XXXX here in USA is counter to the words and promises that Chase makes every day in the media and to government agencies and in the end will cause our and so many other XXXX XXXX to go out of business.
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 : Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXNQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached additional documents for case # XXXX. 

CFPB XXXX closed this account without resolving this with Equifax. Equifax is NOT releasing me from this account even though it has been resolved and closed, with a zero balance. I want your help on how can this matter that has been resolved be active. The following agencies, XXXX and XXXX ( see attached credit reports ), have updated the information correctly with a zero balance, and they are not defaming my credit, only Equifax. This doesn't seem to be good on credit, and I am asking you to do the right thing, so the information is cleared with a zero balance.
Product: Credit reporting or other personal consumer reports

I recently learned that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does Equifax have my written consent to be reporting the transactions listed by these companies on my consumer report : Account # XXXX XXXX  The Fair Credit Reporting Act and my consumer rights have been violated. The 22 accounts listed above have violated my federally given consumer rights to PRIVACY amongst other things. All of these items are listed in the file that Equifax maintains under my social security number. 

Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and most importantly, the reportability, of these listings. All of the companies listed have violated FEDERAL LAW 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. Equifax has aided these companies in violation of this Federal Law.

Simply put, this consumer law states the following A financial institution may not, directly, or indirectly, disclose to a non-affiliated public party any nonpublic personal information unless such financial institution gives the following disclosures : 1 ) The Financial Institution must let a consumer know they will disclose information to the non-affiliated third party.

2 ) The Financial Institution must give the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.

3 ) The Financial Institution must give the consumer an explanation so that the consumer can exercise the nondisclosure option.

Am I to assume that Equifax is affiliated with these credit card companies and banks?

I have not given Equifax permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately, my consumer and privacy rights are being violated.

The aforementioned transactional history of the accounts above is to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. Furthermore, Equifax is to be held accountable for {$1000.00} per violation of the FCRA.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$5300.00} from a public adjuster in Maryland into a joint checking account using Ally 's mobile app. I saw on the website that the money had been deposited. On XX/XX/XXXX, I was reviewing recent transactions and noticed that these funds had been removed from our account on XX/XX/XXXX, and we were charged a fee. I assumed the check bounced, but the person who wrote the check confirmed it shouldn't have, so I called Ally. I sat on hold for 45 minutes and was put through to a loss prevention specialist. He said the check was being investigated, but rather than put a hold on that transaction, they locked our entire account down for up to 30 days. When asked how we were supposed to pay our bills, he said we should ask our friends to loan us money. He refused to give any information, such as a direct phone number or case number, so that we could follow up. We asked to speak to his supervisor, but he said that his supervisor XXXX had already left for the day but that we could leave a voice mail. We did, and it has now been an entire week without being able to access our funds or get in contact with anyone at Ally that can help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failure to remove XXXX XXXX from report : this is not a request for an validation or investigation on this account the ACVD { 15 U.S.C. 1681-2 { b } you received the automated out come to remove this account just like the other credit  reporting companies please so so now NOTE if any account is Modified or deleted a carbon copy is sent to each CRA please remove account
Product: Debt collection

Received multiple phone calls and voicemails several days in a row attempting to contact someone I do not know. Voicemails were threatening and harrassing in nature. Contacted the company directly at XXXX to have my number removed as this is not me nor my debt and the female employee was incredibly rude and dismissive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and Equifax stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint for you to investigate this informations regarding the erroneousness of the accounts in my credit report. The unverified accounts indicated here in my complaint continue to report on my credit report despite several written requests. Please follow the law so that this situation can be settled quickly. Please conduct some investigations and i want some changes in my report and for that, i want a clear copy of my report without any error again. These following accounts must be in appropriate corrections XXXX XXXX XXXX XXXX  Opened XXXX. XXXX XXXX  Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/ Balance : {$0.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX XXXX  Balance : {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of XXXX XXXX, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX   balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reviewed my credit report and noticed an unauthorized XXXX account # XXXX. I've disputed this account multiple times pursuant to 15 USC 1681 ( a ) ( 3 ) Experian has replied that they have verified this account but have yet to send my what they have verified. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After several attempts this inaccurate information has not been deleted from my report.
Product: Debt collection

Recieved a call from a gentlemen named XXXX he left me a message while I was at work. Stating it was in regards to a debt related to my social security #. He stated I had limited time to speak with him to resolve matter. He left a number to reach him at that was not the same number he called from. A few hours later several family members and friends contacted me stating they had been harrassed by the company trying to find me and they had disclosed my personal information to them. I know have people that have my contact information that I do not speak with and now being harrassed by family that I have gone through legal matters to stay away from. This company claims I owe a debt to them and I am not even sure who they are, I asked for documentation and was told it could be emailed to me. I expressed I do not want an email only a written letter sent to my home which I have not recieved. I also expressed they are not to contact anyone other then myself and not to give out personal information if this continues I will press charges. They continue to call and harrass myself and family/friends in this matter and I have not recieved any documentation of a " debt '' that I owe.
Product: Money transfer, virtual currency, or money service

In light of the CFPB and the issues with the Zelle platform I want to highlight some issues I experienced. Back in XXXX I was sent fraudulent emails that looked like they were a part of a Zelle fraud scheme. Zelle never truly investigated the issues I had and I never received compensation for the money that was taken from my account. Zelle has neglected to acknowledge any issues with the platform and has allowed for fraud schemes to continue and leave people in a scary place both mentally and financially. This raises concerns for me using Zelle and also people in similar situations that dont feel safe using the platform.
Product: Credit reporting or other personal consumer reports

False Bankruptcy Reporting : The credit bureaus falsely and unjustly reported a bankruptcy on my credit report and file. This information was baseless and caused considerable damage to my credit standing. After disputing this erroneous entry, the credit bureaus temporarily removed it, only to reinsert it along with other false and unverified debts.

Reinsertion of False and Unverified Information : Without my explicit authorization or compliance with the due process mandated by the FCRA, the credit bureaus reinserted false and unverified debt back onto my credit report and file. This is a blatant violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which outlines strict requirements for reinserting information.

Failure to Conduct a Proper Investigation : My rights under 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) have been blatantly disregarded. The credit bureaus failed to : Conduct a thorough and timely investigation of the disputed entries.

Provide me with adequate notice of the reinsertion of information as required by law.

Furnish any evidence or verification to substantiate the accuracy of the reported information.

Violation of My Right to Due Process : By reintroducing inaccurate, ghost, and unverifiable debts without my express consent or " wet signature, '' the credit bureaus have acted in bad faith, completely disregarding their legal obligations under the FCRA. This unauthorized action undermines the integrity of the credit reporting system and my ability to maintain an accurate credit profile.

Fraudulent and Incorrect Reporting : The reinsertion of false, unverified, and ghost debts constitutes a deliberate act of negligence, if not outright fraud, by the credit bureaus. Their failure to ensure compliance with federal laws demonstrates a systemic breakdown in their responsibilities as credit reporting agencies.

False and Inaccurate Inquiries : The credit bureaus have allowed multiple false and inaccurate inquiries to be recorded on my credit report, which were made without my approval. They have failed to provide proof of my authorization through a " wet signature, '' as required by law. These unauthorized inquiries have negatively impacted my credit score and financial opportunities.

False Names, Addresses, and Aliases : My credit report includes false addresses, false names, and aliases that I have never used or applied under. I have not authorized or paid for any " AKA '' licensing. The inclusion of such information is baseless and has caused reputational harm.

Baseless Accusations of Debts Not Belonging to Me : I have been wrongfully accused of debts that do not belong to me. Despite successful disputes and removal of these debts, the credit bureaus have unjustly reinserted them into my credit report. This has further tarnished my reputation and constitutes unjustifiable libel and defamation.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I opened an account with XXXX XXXX XXXX XXXX XXXX. The same day I was told my account would be closed due to suspected fraudulent activity. XXXX XXXX XXXX XXXX stated that when using the Chexsystem company 2 social security numbers were listed under my profile and several variations of my name. I was given a copy of the information with showed a incorrect Social Security number attached to my chexsystem profile. The additional social security number is from the state of XXXX. I have a XXXX  issued social security number. I was given the number to Chex system, however they are unable to be contacted. I have pulled all of credit reports from each bureau that shows no second social security that was issued from the state of XXXX. I provided the bank with a valid driver 's license, social security number, and proof address. As explained to the bank chexsystem does not have the correct or updated information for my name which changed with me being married.
Product: Credit card or prepaid card

On XX/XX/2019 I received an advertising promotional email from XXXX XXXX listing the 10 best 0 % introductory credit cards for balance transfers. I'm in the market to do that so I clicked through and read the different choices available. Citi Card Double Cash card came up that said " Click " apply now '' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases ''. I wanted to know the balance transfer fee amount so I could compare to other cards so I clicked the Apply Now button. It then lead to the Citicards website where it asked for income, social, address and phone. All the while, i'm still thinking i'm just seeing how much my balance transfer fee will be. The next screen then said " Congratulations you're approved! ". I was not ready to apply and did not want that card. I called right away and was transferred to 3 different people. The final lady which told me it can not be cancelled and that even though the link said that I should have known that apply now meant apply now. I told her that the advertising said differently and have a screenshot of the website. She was very rude saying she couldn't see it or do anything about it. I would have to wait until I got the card, then cancel it. Which I don't want to do because now my credit will show I opened and closed a card right away. I also asked if they were going to reach out to XXXX XXXX regarding that verbiage and she said no. Since XXXX XXXX represents their product and i'm sure someone in legal approved that verbiage before allowing it to be on the XXXX XXXX website I would think they would want to fix it so other consumers are not confused. This was very deceptive and it is unfair that I am now stuck with a credit card I didn't want. This is a UDAAP and I told the lady that at Citi and she said, well file a complaint then. So here I am.
Product: Credit reporting or other personal consumer reports

I never had an account with any of these debt collectors. ( example XXXX XXXX. ) I am asking for the original contract that was signed with the debt collectors.

Please remove all of the accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the account XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at XXXX XXXX can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint against XXXX XXXX XXXX XXXX , as well as Experian Credit Reporting, regarding multiple errors that I believe are present on my credit report. This complaint was filed through the Consumer Financial Protection Bureau, and my reference number is XXXX. I believe that this situation constitutes a violation of the Fair Credit Reporting Act. Both Experian and XXXX XXXX failed to conduct a proper investigation and did not complete the investigation within the required 30-day timeframe. As a result, I am formally requesting that all negative items associated with XXXX XXXX, including but not limited to late payments and charge-offs, be immediately removed from my credit report. The failure to provide a thorough investigation and timely response not only negatively impacts my creditworthiness but also breaches the protections afforded to consumers under the Fair Credit Reporting Act. I kindly ask for your prompt attention to this matter and look forward to your swift action in resolving this issue. Thank you for your assistance. Sincerly XXXX XXXX