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

Experian Credit Report Changes Addresses added to XXXX Identity theft Money Mule Scheme/ Do not use XXXX  XXXX  needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking Experian. 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax ; XXXX and XXXX are not researching and properly reporting that the following accounts listed are in fact in dispute. These accounts are : XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX - XXXX ; XXXX - XXXX ; and XXXX - XXXX. ( Please see attached pages from my credit report. ) All of the accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in fact in dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Fifth Third issued a XXXX 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these checks were purchased by me, XXXX XXXX, to pay a construction company to replace my deck. The checks were marked " Pay to the order of : XXXX XXXX XXXX ''. On XX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed just his own name to each of the Cashier 's Check s and then photo-deposited them into his personal XXXX Bank account. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third, without validating that the endorsements were full and proper, paid over on the checks to  XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from his personal account and left town. Fifth Third had a very high duty of care to make certain the checks were properly and fully endorsed by the named payee, and they failed to do so. They should not have accepted the checks from XXXX, endorsed as they were. Fifth Third 's negligence in accepting the obviously improperly-endorsed cashier 's checks ultimately allowed the money that was specifically payable to " XXXX XXXX XXXX '' to go elsewhere. Their failure to validate and enforce the proper endorsement has left me, the Fifth Third customer and the Remitter of the checks, exposed to a lawsuit by XXXX XXXX XXXX, who never received payment for their work. XXXX 's XXXX, by their nature, are designed to be a secure form of payment, but only if they are treated with diligence and proper attention. Fifth Third 's error has left me in a bad spot both legally and personally and I demand they make good on the two XXXX, and immediately issue payment of the {$29000.00} to XXXX XXXX XXXX. If I am sued, I will certainly join Fifth Third in that suit, I will have no choice. This issue is not going to go away until Fifth Third corrects its error.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached XXXX and Experian still reporting a deleted account from XXXX and theyre reporting my privacy without my written wet ink signature of consent. 

Pursuant FCRA 623 ( a ) ( XXXX ) which says furnishers of information have a duty to correct and update information, it also says they must notify " CRA 's '' of any corrections to the information that they initially reported to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also wells Fargo and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.
Product: Debt collection

Violated my HIPAA laws, didn't give permission, and I never received 5 day notice through Certified Mail
Product: Mortgage

I have a HELOC with VyStar Credit Union based in XXXXXXXX XXXX. I have had this HELOC for several years. In XXXX of last year, VyStar changed their servicing platform to XXXX. 

Since that time, they have been applying my payments incorrectly. We pay an interest only payment plus principal every month. Since the change, they have been incorrectly applying the principal amount of our payment to future months interest payments. 

This has resulted in a number of things. First of all, they are applying principal to interest that has not yet accrued. Because they are doing this, this has resulted in our average daily balance being higher than it should be which has resulted in additional interest being accrued. 

I have tried to resolve this issue directly with them in multiple ways. I called them on XX/XX/XXXX and was told that someone would follow up with me by the XXXX. No one ever did. I followed up again via phone on XX/XX/XXXX. They acknowledged that they had an issue and was told my account would be resolved by XX/XX/XXXX. They also advised that, since their system could no longer process payments correctly, I could only make payments via phone. I checked on again yesterday, XX/XX/XXXX, and my account was still not resolved. I followed up again and was told that it would be resolved by the end of the day. When I checked again this morning, it was still not fixed. 

In multiple conversations with different people, VyStar has acknowledged that they are aware that this is affecting all of their HELOC customers. However, they do not seem to believe that it is an urgent matter and appear in no hurry to correct the situation.
Product: Credit card

In accordance with the fair credit reporting act Comenity Bank/Express acct XXXX XXXX has violated my rights on XXXX XXXX  1

5 USC 1681 Section 602 states I have the right to privacy. 15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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: Money transfer, virtual currency, or money service

Hello, I was a customer using PayPal for my business for a long time, two days ago they asked me for a business address document for a spending limit upgrade which I provided, I was using this account for over 2 years without any violations or troubles. Suddenly today without any notification I get my account closed permanently with my money in it and my bank cars and some of my business payments on my way to the account, all of them stuck now. please help me to restore this account and continue the business.i think this was a mistake Reference ID : XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX have been notified that I am a reoccurring victim of Identity theft, that my PII is on the dark web leaked by multiple data breaches. Police report and FTC report have been provided to Experian and XXXX previously. Experian and XXXX have failed to conduct proper reinvestigations prior to assembling and providing inaccurate information on my reports regularly. Experian and XXXX are unlawfully reporting fraudulent closed accounts under " XXXX XXXX '' and " XXXX XXXX '' with incomplete information and are failing at providing the substantial proof of their reinvestigations. Experian and XXXX have caused me great harm in relying upon the information of Identity Thieves and other bad actors and are failing to protect me as the consumer while capitalizing off the use of my Personal Identifiable Information. I revoke any prior consent for Experian and XXXX to utilize my PII data until the credit report and score is full, complete, and accurate and all fraudulent items have been deleted. Both CRA 's have been expressly notified and both CRA 's continue to disregard their lawful obligations. The scores do not reflect my consumer 's creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On Thursday XX/XX/XXXX I received a call from an unknown number which I ignored. Moments later I received a call from my son stating that he just got a call. When he answered the phone, the man said " Is this XXXX XXXX, Social Security number XXXX  ( actually reading off his social ) my son said yes, now who the XXXX is this. The man asked if he knew me. My son said yes, what is this about?. The man said " She knows what this is about. Have her call XXXX extension XXXX. He then hung up on my son. I then called this number and asked this person who he was and explained that what he did is illegal. He stated " no its not. Just wait for your papers in the mail. '' The company is XXXX XXXX of XXXX NH, hired by Midland Credit Managment. I have a job that requires clearance. This company calling relatives and rattling off social security numbers without knowing who they are speaking with is a breach. Can someone please educate them. Thank you.
Product: Debt collection

I am submitting this complaint regarding LJ Ross Associates due to their failure to respond to my cease-and-desist notice. On XX/XX/year>, I sent a notice requesting proof of claim, which included a demand for a true and certified copy ( NOT a photocopy ) of the Original Note ( Credit Agreement ). This documentation must be provided under penalty of perjury and with unlimited liability, confirming that this Note has never been sold. 

As of today, XX/XX/year>, I have not received any response or the requested documentation. Additionally, I require proof that I have signed over my rights to privacy, allowing your company to possess my personal information. I want to clarify that I have no knowledge of who LJ Ross Associates is, nor have I ever signed any contracts with them promising to make any payments for any products or services. 

This situation appears to be a fraudulent attempt to extract money from me. Such actions have led to denied credit due to the misrepresentation of my character. I am seeking resolution and expect a prompt response to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  derogatory account claims on my Transunion,  XXXX , and   XXXX   credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based  on Federal and State of Florida Statute Of Limitations. I have reached out to all 3 credit bureaus  and filed disputes and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and  XXXX   XXXX  Bank has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  USPS ce rtified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.
Product: Credit card

We were late, only once, and on no other credit cards or loans, on a Carecredit/Synchrony Bank account over XXXX years ago. This has resulted in a lowering of our credit score and we have on XXXX occasions asked XXXX to remove this detrimental to our credit inasmuch as the mishap happened over that length of time. They refuse. Can you help? 
My name is XXXX XXXX XXXX, and that accuont with Carecredit/Synchrony ended in XXXX. 
We have no other bad credit charges on our reports other than this. Thank you,
Product: Debt collection

I received a voicemail from a company stating that legal action would be taken in XXXX hours if I did not respond. I called the phone number back, and asked for the name of the company. I then asked for verification of the debt owed. The individual I spoke with, became hostile and told me that he would leave it to the lawyers to decide what happens to me next. I simply asked for verification of the debt which he did not provide. He said it was sent to an old address, and XXXX times to my current address. I have no memory of receiving this notice and simply asked for XXXX more. He became combative on the phone, which was a recorded conversation. He then hung up the phone, so I called back, but nobody answered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need to attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/year> I sent a letter asking them to delete incorrect personal info from my report. They have not responded. See attached letter.
Product: Credit card or prepaid card

The credit card has been closed since XX/XX/XXXX. The remaining balance has been paid. This closed account has remained on my account for almost 10 years. Its been paid in full since XXXX. Ive experienced several hardships from the time the account was open until the account was closed. Ive requested to have it removed as there no longer is a balance and it is hurting my report. During the time the account fell delinquent I was unemployed and also facing other hardships so I was unable to make payments to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started last year with the equifax data breach. I have put every security measure possible on my finances and credit report, including services offered by equifax such as XXXX XXXX, as well as XXXX. Literally almost everything I own has been hacked due to this breach. I deal with disputes on my credit file DAILY. My email has been hacked, I've lost count of how many times I've changed my bank card and account. I've lost alot of money, time and mental health. The newest situation, the reason for this complaint, is that I went to go apply for something and the company told me my credit was locked. The only way your credit can be locked is by you doing it yourself. I know for a FACT I did not lock it recently ( last week I applied for a cc with no problem ). I called equifax to find out what was going on, and bottom line someone locked my credit report without my knowledge and they have no answers for me. Period. I'm so sick of this. It's ruining my life!!!!
Product: Vehicle loan or lease

on XX/XX/17 received a letter from the company stating I owe them {$16000.00} I feel I do n't because the car was too much from the beginning they did n't fix the car like they problem I told them to come and get the car I was not able to afford the car I was not working I try to go back to that dealer ship they was no later there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C.1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt BBB
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 NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$28000.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax would not let me get my annual free credit report online nor woul ; d they let me view it
Product: Debt collection

I competed the Identity Theft packet from Regional Finance and sent it back to the business with a notary from chase bank attached with a police report and copy drivers license via certified mail. 
XX/XX/2023 through my recent dispute they have confirmed they have received the documents and agreed to delete the fraudulent account. I would like to be remove asap as it is inaccurate.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was alarmed to see incorrect accounts listed, and I have no explanation for how this happened. I routinely check my report, but today, I noticed these discrepancies for the first time. I thought maybe it was a browser error and refreshed the page, but they didnt disappear. XXXX begging for the documents Ive submitted to be thoroughly examined so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT INQUIRIES... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ONLY LIVE AT XXXXXXXX XXXX XXXX XXXX XXXX NEW YORK XXXX PLEASE DELETE ALL OTHER ADDRESSES. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXXXXXX NEW YORK XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has repeatedly ignored the issue of multiple complaints. See complaint IDs : XXXX XXXX XXXX XXXX XXXX The company was originally provided with all necessary information to verify that I am the account owner, but has refused to allow access to the account.