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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX 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 XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$34000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws. 

THIS IS NOT A DUPLICATE. PLEASE STOP JUST CLICKING THAT AND ACTUALLY READ IT! 

WHAT IS THE FIRST DATE OF DELINQUENCY? THAT ONE THING WILL MAKE THESE ACCOUNTS EXPIRED!
Product: Vehicle loan or lease

I was mobilized by the XXXX XXXX and submitted my XXXX orders to Navy Federal for a reduced interest rate in accordance with the SCRA in XX/XX/2023. To this date, my interest rate has not been reduced and I have not received any back pay for over payment of interest. 
I would like this issue to be resolved and for Navy Federal Credit Union to become compliant with the SCRA and their policies and procedures for granting these benefits.
Product: Credit reporting

A collection company by the name of XXXX XXXX XXXX ( a XXXX Collection Agency ) appears on my credit reports. They have also sent a letter to me. I live in XXXX. Based on XXXX State Laws, a collection agency MUST be registered with the XXXX to perform ANY type of collections process UNLESS they are the ORIGINAL CREDITOR. They are reporting an account THEY OPENED with an account number THEY ISSUED, without my consent, or permission ... which gives an appearance it is a new/revolving credit account opened this year. The credit bureaus have an obligation to COMPLETELY REMOVE these XXXX XXXX XXXX entries because of the gross deceptiveness of their practices.
Product: Credit card or prepaid card

0n XXXX-XXXX-2017 i Purchased a 123 Rewards Gold Debit Mastercard ... Placed A XXXX Dollar Bill In Cash On The Card at XXXX XXXX, OH Where It Was Purchased ...
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Later That Day I Called The Number On The Sticker That Was On The Front Of The Card And Activated It ... Found Out During One Of The Phone Calls, That The Accounts The Card Originates From Is US Bank ....
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I Tried To Use The Card Twice For Transportation Expenses and It Kept Coming Back Declined ... When You Call And Check The Balance On It It Says The Entire XXXX Dollars Is Showing Still On The Card ... ....
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After A Few Phone Calls ... The Pretty Much Tell Me That The Card Cant Be Used To Pay Bills Or Be Used At An Atm ... .. They Force You To Shop Online With It .... A Total Fraudulent Scam Card Through US Bank .... They Need To Be Reprimanded For Stealing Peoples Money And Making It Nearly Impossible To Aquire The Funds Placed on The Card ... .. US Bank Needs To Be Aware That It Is A Scam To Issue A Debit Mastercard That Wont Work At Any Atm A Total Fraudulent Scam From US Bank ...
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report XXXX XXXX XXXX  XXXX Balance {$11000.00}
Product: Debt collection

I received an email alert from " XXXX from XXXX XXXX '' of a negative reporting in my credit report by " DIVERSIFIED CONSULTANTS INC., PHONE # ( XXXX ) XXXX XXXX ''. I immediately called that number and I learned that it is a debt collector acting on behalf of XXXX and I explained that I did not owe them and that this matter had been resolved via a former complaint to the CFPB. Upon checking my credit report, I came to realize that XXXX is again asking for a {$410.00} overdue payment. In response to that earlier complaint ( Case number : XXXX ), here is the specific response by XXXX XXXX XXXX from XXXX which handled the claim by XXXX : Please be advised that I have thoroughly reviewed the above referenced complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency which performs collections sevices for XXXX in association with a collection claim on a defaulted account. 
XXXX XXXX is listed as the responsible party and all communication from our office has been in regards to the defaulted account. Per your complaint, a deletion from your credit file has been processed on XXXX XXXX, 2015 and the account has been returned to our client. You will receive no further communication from our office regarding the defaulted account. 
On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconcenience that this may have caused you. If you have any further questions or need additional information feel free to contact me directly at the number listed below. 
Sincerely, XXXX XXXX XXXX do not owe XXXX any outstanding overdue balance and the facts for this declaration were clealy detailed in my earlier complaint, Case number : XXXX. Additionally, the FTC in its online bulletin dated, Wednesday, XXXX XXXX, 2015 declared : " FTC Charges XXXX with Deceptively Advertising the Cost of Its Satellite Television Service '', which is indeed partially at the core of their claim that I owe them noney.
Product: Debt collection

Transworld Systems calls before XXXX multiple times and they are aware that I live on the west coast yet they continue to call before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Equifax countless times to address the many and erroneous entries they're reporting inaccurately to my credit file. Although, I've included hard proof of inaccuracy and incompleteness to this file, they've " verified '' the accounts I have shown are unverifiable as they're missing information, have invalid information and are simply not mine. 

On XX/XX/XXXX, I sent correspondence about the false information being reported to my file and requested further information and deletion of this erroneous account from XXXX XXXX XXXX. I was sent a " verified '' letter dated XX/XX/XXXX and I waited for the details I requested, I was sent nothing. On XX/XX/XXXX I sent a follow up demanding a re-investigation and contents of this investigation. I was sent nothing in return and this account remained " verified '' on my credit file. At this point, this one account I had tunnel vision one is reporting illegally as there were no findings or proof produced showing maximum accuracy of this debt. 

Since I received nothing to my method of investigation request, I took a further look into my credit file to see what else could be reporting false or inaccurately. To my surprise, there were accounts that were total surprise to me. I sent a letter asking for proof of validation or deletion of these accounts and all these accounts were " verified '' although I have no knowledge of any of them. I've reached out to these companies and they sent information that's inconsistent with my personal information and simply not mine. Although this has been proven and I've shown inconsistency, these accounts remain on my credit illegally. 

In XX/XX/XXXX, I pulled my consumer report to start the new year by housing the correct information on my credit file for maximum accuracy. After dealing with devastating life happenings that put my personal and confidential information in compromised positions, such as data breaches or personal information loss from moving around I was worried about fraud activity. In effort to correct my personal information, I sent Equifax my correct and final information, asked for deletion of any other addresses, names, employers or numbers as they were not mine and sent verification of my correct address, name and identification proof. Although I took the proper steps as a consumer, Equifax is still housing incorrect personal information which in term is making it difficult to feel at ease with false information reporting on my file. 

Not only are these errors damaging to my creditworthiness, they're also affecting me while in the process of finding a safe home for my family during a difficult time. I've specified that to these heartless people and they've done none of the procedures to ensure that my rights as a consumer are met at the full extent of the law. One account is even past 7 years old, which is grounds for immediate deletion and somehow it's still there.
Product: Payday loan, title loan, or personal loan

This is a line of credit from synchrony bank, My first, last nameAre completely wrong. For example my first name is the last name in my last name is my first name, The middle initial is not even mine. I contacted synchrony bank today in after spending almost an hour on the phone I got no resolution. The representative wanted me to send a copy of my drivers license to her personal fax number which Im not comfortable doing. My drivers license was provided when i first opened the account and I have made purchase in the past so Im not sure what had happened here.
Product: Credit reporting or other personal consumer reports

Accounts in the adverse reporting were reported to XXXX, XXXX, and Equifax. I tried to see if the the accounts were removed. All of the accounts were listed as closed and are now affecting my credit. There were no letters or correspondences received from the original companies. There were letters received from collection agencies, which were not authorized.
Product: Credit reporting or other personal consumer reports

When checking my credit report, I noticied hard inquiries that I did not have any knowledge of. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these inquiries. I am also attaching my identity theft report.
Product: Money transfer, virtual currency, or money service

Over a period spanning from XXXX to XXXX, I experienced a series of unauthorized transactions on my XXXX XXXX account, occurring at least XXXX distinct times. Each of these unauthorized withdrawals exceeded {$300.00}, resulting in a significant financial loss, with my biggest loss being over {$8000.00} deposited through XXXX and somehow disappearing through a BlockFi, Inc transaction that left me financially homeless and without a vehicle. These transactions were not initiated by me, nor did I authorize them in any way. I meticulously reviewed my transaction history and confirmed that these withdrawals were indeed fraudulent. 

Despite contacting XXXX XXXX support multiple times, the issue remains unresolved, and I have not received a satisfactory explanation or reimbursement for the stolen funds. The cumulative impact of these unauthorized transactions has caused considerable financial hardship and distress.
Product: Debt collection

Emergent Servicing failed to send a written notification of the debt that was allegedly owed to XXXX. They did not send anything in writing, they keep going back to " we sent it by email. '' I have a right to dispute this debt, this was NOT sent to me in writing. My contract is NOT with Emergent Servicing, it is with XXXX. As far as I am concerned this balance has been paid in full since Emergent Servicing paid off what was owed to XXXX in an attempt to try and EXTORT money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account EQUITABLEACC which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that EQUITABLEACC was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

I am received several phone calls requesting payment on an account that was paid for several years ago in XXXX. I have receipts reflecting payment
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX recognized unauthorized, fraudulent credit inquiries on my consumer credit report on XX/XX/2023. Here is the list of unauthorized inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Vehicle loan or lease

I have had this loan for the past couple years with no issues on payments being received or bills reaching me. My loan is near pay off and I have had several issues with checks I have sent in not reaching the bank and never being cashed, bills not being sent to me and fee 's being assessed for each of these issues. The bank admitted billing issues at the beginning of the 2022 year and indicated that bills were not going out correctly. I have called multiple times to dispute the bills not arriving to me as well as my checks that have never been received. They have had no problem charging me late fee 's but have not addressed any of my issues. I feel this is a blatant attempt to drive up their profits by getting extra fees from customers, especially at the tail end of the loan period when they will expire.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$340.00} XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} TU XXXX XXXX XXXX XX/XX/year> {$340.00} XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Act. # XXXX, XXXX XXXX Act. # XXXX and XXXX XXXX Act. # 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 15 U.S. Code 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 unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Money transfer, virtual currency, or money service

Wellfargo I have a lot of transactions happen to my bank account that I never recognize them Some transactions I never did to my bank account and also I saw some using my name that I have social but I never have Social number ever since because Im applying until now of my change status in XXXX  for XXXX visa
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them to investigate my credit report and validate the information they are reporting on XX/XX/2022. I sent a 30 to comply on XX/XX/2022 and it is XX/XX/2022 and I have yet to hear anything about the investigation.
Product: Debt collection

I received a call from a local phone number, XXXX however it turns out the collection agency was " spoofing '' this number. The caller left a message stating " This is XXXX XXXX, ID # XXXX from CKS Financial. '' The phone number she asked me to call back was XXXX
Product: Debt collection

Received an e-mail from Speedy Cash XXXX XXXX XXXX XXXX. The E-mail address is XXXX ; XXXX ; Their case number for this is : XXXX On XX/XX/XXXX, I received an e-mail from Speedy Cash Loans stating that I owed them {$1800.00} from XX/XX/XXXX. They requested a settlement of {$1200.00}. If no settlement or payment is received they would commence with litigation for {$8600.00} for all legal fees, they threatened to inform my employer to take action against me. Their threats include e-mailing/faxing my employer to take strict action against me. They threatened that my salary and wages would be confiscated. If the debt is not resolved, they will contact the local sheriff and have me served with a summons at my residence.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial Been paying seven years on this loan with no end in sight. The lady originally told me not to worry about the 34 % interest that they would work with me when I was ready to sell it or pay it off for a much lesser amount. That obviously had not happened. I have XXXX and need this vehicle but can no longer afford this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Registered prior to an account at CreditKarma.com. Claims to be a FREE credit SCORE site. Reset my password yesterday XX/XX/XXXX. Site - Requested my social security number last 4 digits, birth date, address and name. Never been able to access my credit scores or log into the site since : it immediately and 24hrs later just fails to load/ gives a " too many redirects site not accessible. '' There is no telephone support so I emailed customer service via their website. The email reply from service received today XX/XX/XXXX then asked me to fill out the help form on the site. I did that - again there they ask for the prior details ( " in order to quickly access your account and get a faster response. '' ) Today I then get a further customer service email from that, saying we need you to email us c copy of your drivers license or state ID in order to further resolve your access to log in to get your score. I sent an email refusing to do so. 

I have since found on their website many complaints about the site being fraudulent/ asking for social security numbers in order to access info etc etc - yet never then providing it, website " broken. '' The Q & A has ZERO responses to many of the complaints filed by customers and instead the " replies '' were posts that I myself have never done, but were displaying my user name as a reply to the complaint with a generic technical answer that is some jargon on their website. This site is fraudulent. CFPB needs to be aware - since its seems to have good reviews on the XXXX XXXX - it is misleading. Please try and access the site for yourselves, register and verify this - as well as search and view the many complaints of fraud from other clients. It is very dangerous, since it seems legitimate - and it requests and is therefore getting very sensitive client information including state IDs. licenses, birth dates, full addresses, emails etc etc
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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