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

Agent ID XXXX XXXX, failed to provide basic information after my identity was confirmed. All I wanted to know is what product at XXXX  caused my credit score to go down. when the agent failed to provide the information, i asked to be transferred to a manager. the again failed to get me to a manager and i could hear the background sounds in the call center. I was able to hear other clients information which is illegal as there was no consent to have their information shared with me a 3rd party listener. I was able to hear multiple address with client names and sin numbers while on " hold '' which is very dangerous as now the account information of those people are now compromised. I worry about my own information now being compromised as this should never happen. After my 2nd call back, agent XXXX XXXX failed to transfer to a manager and the agent before him said i would have to schedule an appoint for a manager. It seems to me like this call center has representatives that are not trained properly and are highly unprofessional. I fear that scammers will be easily able to get information with the lack or customer service skills. not to mention this is one of 2 credit bureaus which needs to taken more seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a collection file that does not belong to me please remove XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$310.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX XX/XX/XXXX
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. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

My name is XXXX XXXX on XXXX XXXX 2016 I was pre qualified for the home I wanted to buy in XXXX XXXX by suntrust mortgage loan number XXXX. My credit score is over XXXX I have been workin for the same company for 8 years and I have money in the bank. After an enduring process of all these unheard of stipulations they had me doing which went on for more than 2 months harassing my boss constantly on the phone and getting him to write letters, as if i havent been working and paying my taxes, Also including work on the house before I owned it telling me i was conditionally approved if I fixed certain things, I had to get a licensed contractor, a licensed ac guy, and a licenced electrician which cost a pretty penny I met all there demands. I feel these people from suntrust were biast towards me because I 'm from XXXX they were n't acknowledging me throughout this process constantly ignoring me and my phone calls not being helpful with the loan process which we know can be a hassle actually making it more difficult for me because it 's my first home. I 'm an American from a XXXX backround my father was a XXXX XXXX and retired one in the great city of XXXX they treated me like I was n't raised XXXX yrs in this great free country we call the United states, My closing date was XXXX XXXX that week the lender wasnt ready with the paperwork instead of giving reasoning to why they were n't going to make the closing or to get in contact with the seller or title Co to extend my closing which was XXXX XXXX, At XXXX XXXX on XXXX XXXX they called me on the phone and verbally declined me, no email nothing written on paper stating why they declined my loan which the law requires to be done. I felt they were XXXX and biast towards me because there is no reason to deny me the loan I meet all the necessary credentials. All I want is to live the American dream and buy my first house a place I can settle down and eventually raise a family. Thank you for your time XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information was and is currently being reported on my consumer report. They reported wrong dates and accounts. This information is being reported from XXXX, XXXX, Experian XXXX, to Please remove the late payment remarks on my consumer credit report because they are inaccurate, and the following accounts also are inaccurately being reported I have no knowledge of these accounts, nor do I have a contract with these companies. I requested XXXX and theses companies XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX to conduct an investigation on these accounts. All these companies failed to provide proof of the investigation on the first request of 30 days and on the second request of over 30 days. 
Account Numbers from XXXX, Experian, and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a request to all three major credit companies, XXXX, Transunion, and XXXX, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company XXXX on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other XXXX companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.
Product: Debt collection

I get numerous calls from XXXX with an automated message to my work line. I have asked them to stop calling my work because that is not allowed. I want them to stop calling my work number.
Product: Money transfer, virtual currency, or money service

I sent money from my XXXX bank account to CashApp. Initially, XXXX blocked the transaction, but after verification, they released the funds. The money was deducted from my XXXX account but was never deposited into my CashApp account. I filed a claim with CashApp, but they stated that they never received the funds and advised me to address the issue with my bank. I initiated a dispute with my bank ( XXXX ), but I have yet to see the funds returned to my account. Additionally, CashApp deducted XXXX dollars from my account, leaving me with a negative balance of XXXX. I contacted CashApp support, and they informed me that the XXXX dollars had actually been deposited into my account. I refuted this claim by providing a screenshot of my statement, which did not show a XXXX deposit in XXXX which I had disputed. The customer service representative stated that there was nothing they could or would do for me and advised me to take the matter up with my bank once again. I am out XXXX dollars total for this ( XXXX from bank at XXXX and now negative XXXX at CashApp ).
Product: Debt collection

I am making an complaint regarding a collection on my account that doesn't belong to me. I haven't received any letters regarding this account " XXXX XXXX -reported '' I have made a dispute XX/XX/2022. its over 30days. they have violated for 15 u.s. Code 1681e ( b )
Product: Debt collection

I went to an ER (  XXXX   XXXX   XXXX   XXXX   )  while traveling in Florida on  XXXX / XXXX /  XXXX  . I provided my health insurance information during this ER visit.  Two  years later after never receiving any letter of any debt I see a delinquency noted on my credit. When I called the number via the credit bureau I found that the  XXXX   XXXX   XXXX  had a contract with the doctor that actually saw me and that the doctor was affiliated with a company named  XXXX   XXXX   XXXX  of  XXXX . The medical center took my insurance information, sent a bill and got paid in full. The  XXXX   XXXX   XXXX  of  XXXX  doctor said that they did not get from  XXXX  the insurance information so they never sent their bill to the insurance. They also never sent any bills to me. Instead they sold the bill as bad debt to a  Company named Pendrick Capital Partners II, LLC. I called them and th ey were extremely rude. They said I had to pay and that many people were in my situation and that there was nothing I could do and I had to pay. They had already without billing me ever made a derogatory mark on my credit.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. XXXX  XXXX account number XXXX, XXXX  XXXX  XXXX  account number XXXX, XXXX XXXX  XXXX account number XXXX. the FTC say the regulation is 4days upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681eb. Inaccurate information on XXXX account. The account is closed and showing open on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXN/A XXXXN/A XXXXN/A XXXXN/A XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$170.00}, XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX O/T XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I called TD Bank on XXXX to request a closeout of a checking account that was opened in my name. The representative asked for my information and stated that they would close account out. They recommended that I file a police report. police report filed on XXXX. There was a {$0.00} balance and my local police department filed a report telling me that NY State data was stolen and accounts were being opened to collect unemployment benefits under fraud accounts. I received another statement from TD Bank on XXXX stating that the fraud checking account was still open and they could not close the account because I have to visit a branch in person to close the account. The nearest branch is about XXXX miles away from my residence.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to request immediate investigation and resolution regarding inaccuracies and fraudulent accounts on my credit report. Despite repeated efforts to resolve these issues through direct communication with the credit bureaus and creditors, the matter remains unresolved. The delays, now exceeding 65 days, are unreasonable and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Complaint Details Fraudulent Accounts The following accounts are fraudulent and must be deleted immediately : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX Inaccurate Reporting of Late Payments Several accounts incorrectly report late payments on XXXX while other bureaus reflect accurate information ( no late payments ). The inaccuracies are as follows : XXXX XXXX XXXX  : XXXX ( Never late ) XXXX XXXX : XXXX ( Never late ) XXXX  XXXX XXXX  : XXXX ( Paid in full, never late ) XXXX XXXX : XXXX ( Never late ) These discrepancies violate the FCRA provisions regarding accurate reporting of consumer information, causing significant harm to my creditworthiness and hindering my ability to pursue housing and financial opportunities.

Request for Immediate Action Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : I request that the fraudulent accounts identified above be blocked and deleted within 4 business days, as required by law, following the submission of appropriate documentation.

The credit bureaus must comply by notifying the furnishers of the information that an identity theft report has been filed, a block has been requested, and the effective dates of the block. 
Attached Documentation To support this complaint, I have included the following : Affidavit Proof of Identity ( ID ) Social Security Number ( SSN ) Supporting Bills Conclusion I urge the CFPB to expedite this process and ensure compliance with FCRA regulations by both the credit bureaus and creditors. The errors on my credit report are unjust and have caused undue harm. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and effective action to address my concerns.
Product: Debt collection

My Name is XXXX XXXX XXXX and I am writing to file a complaint against Northstar Location Services concerning a recent soft inquiry on my credit report. I noticed that Northstar Location Services conducted an inquiry on my credit report without my explicit authorization. Given that I do not recall initiating any transaction or agreement with this company, I am concerned about the legitimacy of this inquiry and the potential implications it may have on my credit profile. 

Furthermore, I am requesting validation of any debt that Northstar Location Services claims I owe. I have not received any formal communication from them regarding this alleged debt, nor have I been provided with any documentation that confirms its validity. Just in case I was a victim of identity theft and In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that Northstar Location Services provide written verification of this debt, including the original creditor 's details, the amount owed, and any supporting documentation. 

Please investigate this matter and assist in ensuring that my credit report remains accurate and that my rights are protected. 

Thank you for your attention to this issue. 

Sincerely,
Product: Mortgage

I have made my payments on time to Seterus Inc since they took over my loan from XXXX XXXX. I closed on the home in XX/XX/XXXX. I have lost my job and now need them to fax me documentation so I can get into a state group with Georgia that helps people behind in their loans. Seterus blocked my access to print out loan documentation online because I am behind on my payments. Hence, I can not print out my tax form or current month 's statement. I have asked since XX/XX/XXXX for paperwork to be faxed to me and they have not completed the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX was disputed on mine and my husbands credit report with all 3 bureus as well as XXXX XXXX ... This was disputed multiple times as no knowledge and to validate proof of debt. XXXX and XXXX verified this as not our account and that the company did not respond within the time frame. Well with Experian they came back and said validated. This was not investigated by Experian and they just came back and said validated. We never got proof that this debt is ours and it should no longer be on our experian report.
Product: Debt collection

debt is not on my credit report they are saying that I will be served or I missed the sheriff who came with the summons! or they sent me a letter ( which I never received XXXX they give me my social security number and my current address XXXX scary ) They told me they could only give me my pay off opts so I could settle the debt asap! They will not give me the court or anything else since I am being sued! The is the XXXX time they have call in in the last year and gave me the same story. They are getting more risky they gave me a address this time but I looked it up and I still cant find information about them!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 account without my written instructions.
Product: Debt collection

I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX XXXX CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay {$2.00} XXXX for Alleged Consumer deception - - - XXXX XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XXXX - finally XX/XX/XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX Law which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 4 unknown/unauthorized inquires on my credit report they know I'm a victim of identity theft and have a fraud alert on their credit file.