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

Again, I was a victim of identity theft and this is another 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 items not later than 4 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2024, I sent Portfolio Recovery Associates LLC a Certified Mail Letter requesting information/VALIDITY of a debt they alleged I ole them, I have yet to receive a response. Therefore ; I proceeded to write them a second, Certified Mail Letter on XX/XX/2024, requesting the information again and have yet to receive any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX  These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates. 
I have not gave anyone written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect ; which this account was fully settled on XX/XX/XXXX. According, to my records the information you are reporting on this account is inaccurate. I demand that you remove all information from my credit report immediately. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that all items be investigated and deleted from my credit report. In the event you fail to verify this data, or fail to respond to my request altogether, the disputed data must be deleted in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection acount appeared on my credit report since XX/XX/XXXX showing that I owed balance from the XXXX XXXX, an apartment I lived in XXXX. So I contacted the XXXX XXXX on XX/XX/XXXX and got their email reply showing that I don't owe them anything, there must be something wrong with the collection agency ProCollect. I called ProCollect on the same day and sent them my email correspondence with XXXX XXXXXXXX XXXX and asked them to remove the account on my credit report. This account disappeared on my credit report after few weeks, so I thought it's finished. On XXXX XXXX, I got a call from ProCollect again asking me to pay the account. I reiterated the story to that person again and sent them everything again through email on the same day, never get their reply. Until XXXX XXXX, I was applying a new apartment, this collection account appeared again on the tenant screening report from XXXX XXXX, and the application got declined due to this account. Now XXXX asked me to provide a letter from ProCollect showing that this account wasn't mine, but ProCollect was saying that this account wasn't mine so they won't provide anything to me. Neither of them would like move forward for my case, but the account is still on the report and damaging my housing application!
Product: Credit reporting

XXXX billing account does not belong to me, account is in another state, Ohio.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX these accounts are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account belong to my ex i didnt knew she didnt pay it off and when i went to see my credit the account was charged off im trying to take it out and they dont want to i made a payment arrangement but they still dont want to remove i didnt know that account was negative
Product: Credit card or prepaid card

On XX/XX/XXXX, I reported about XXXX fraudulent transactions I discovered on my account all charged by the same vendor. The Chase website told me to call a phone number and report the fraud. I did so immediately. While speaking with the customer service representative, I learned that there were an additional XXXX unauthorized charges on my account dating back to XX/XX/XXXX. I asked him to submit every single charge from this vendor as fraud. He agreed to do so and then asked me to dispose of my credit card as a new one would be sent within XXXX days. I never found out the exact amount of the total charges but assumed Chase would have to also deduct interest paid, etc. I was told that a provisional credit would be issued immediately. Today is XX/XX/XXXX. I have received neither card nor credit. I have called the bank XXXX times this past week and also have sent several emails. I keep receiving the same response which is that the bank is going to escalate my dispute to the next level and I should have a resolution with XXXX hours. In the meantime, I have repeatedly checked the dispute center online and I always receive the response that I have no disputes pending. Today, I called the Fraud Resolution department XXXX more time. I found that the initial fraud I reported was never disputed. The bank did find at least a portion of the older charges to be fraud and I was promised the provisional credit in another email received this morning. The woman I spoke to today finally reported the original fraud charges I reported from XX/XX/XXXX to XX/XX/XXXX. I asked her what the credit would be for just the most recent XXXX fraudulent charges. She gave me an amount that was over {$400.00}. I did not ask about the other XXXX charges but I imagine there must be around {$1000.00} that was stolen from me. Again, I was told I would immediately receive this credit. XXXX hours later, my card balance remains exactly the same, no charges have been removed and Im still paying interest at a very high percentage ( 26 %? ) while Chase prolonges this process. I do have a XXXX and can not work. Thus, I have a fixed income from XXXX monthly. Chase is well aware as I disclosed this on my credit application. My bill is always paid early each month and Im infuriated about the lack of response. I am convinced that my status as a XXXX XXXX is behind Chases slow and illegal processing ( as per my signed agreement with Chase ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was created that i did not authorize and was un aware of until now.

over 92 credit cards have been applied for in my name that i never signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed certified letters to all three credit reporting agencies explaining I was a victim of identity theft. The package included a copy of my Identity Theft Report and proof of my identity, a copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information, Identity Theft Affidavit # XXXX, Drivers license, Credit report with disputed information indicated, Notice To Furnishers Of Information and Police Report. 

The information reported by XXXXXXXX XXXX in XXXX including late payments and any balances, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The accounts were closed with a XXXX balance and were never late. The account numbers being reported were issued after I had already closed the accounts on XX/XX/XXXX with a perfect credit history for all three and a XXXX balance for all three. My credit score went from a 780 to a 540. 
All three reporting agencies have responding saying they asked US Bank the Furnishers Of Information and XXXXXXXX XXXX  has told them the information is correct. I must request this false information be re-investigated and that they block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I requested a payoff quote from Flagstar online and nowhere does it state that if you request a payoff that they will not pay your escrow account, They mail you the quote by USPS and the statement they said informs you that there will be a halt to the escrow and you show know to call them and tell them to continue your escrow payment. During this time where Flagstar halted my escrow my property tax became due and them paid late by Flagstar escrow department and the late fees was {$300.00} dollars that they charged to my escrow account. The servicer is required to pay my escrow account on time so that I the consumer is not levied late fee. I feel that Flagstar should refund me the {$300.00} dollars that I was fined because they paid my property taxes late when the funds were available in my escrow account. I simply requested a payoff and this in no way should freeze my escrow account. This is an overreach by Flagstar.
Product: Debt collection

Avail Blue deposited {$400.00} into my XXXX bank account on XX/XX/22 and they said that I applied for a loan with them. I told them that I never applied for a loan with them. They have all my personal info including my SSN, my address, my employer, my driver license number and my banking info which enabled them to deposit the funds. After a lot of back and forth that I never applied for a loan, I asked for the XXXX address they have on record from where the online loan application was made. I XXXX it and it's somewhere in XXXX XXXX. Avail Blue instructed me to have my bank reverse the funds and I did. The funds was taken out from my acct on XX/XX/22. XXXX actually told me that Avail Blue could have done it themselves since it's evident they have my bank info. I reported the matter to the FTC. Many calls still from Avail Blue as they claim the funds have not been returned. We did a XXXX call with XXXX and XXXX said it may take 45 days. Meanwhile, Avail Blue has been emailing and calling about payment due. I called Avail Blue on XX/XX/22 to tell tell them to stop emailing or calling me and that it wasn't my loan and it has already been reversed by my bank. They said that they will not stop collection efforts until they get the funds. The person I spoke with is XXXX who said she was from XXXX. The other Avail Blue staff I have spoken with in the past was XXXX who we did the XXXX call with XXXX XXXX and who was provided a case number by XXXX. I called FTC also on XX/XX/22 to seek advice and person I spoke with suggested that I file with Consumer Finance Protection Bureau.
Product: Debt collection

Received original call from XXXX, left a recorded voice mail. I returned call and Spoke with a Mrs. XXXX stating she was from XXXX XXXX XXXX, XXXX and that I owed a debt from XX/XX/XXXX in the amount of {$940.00} and that I had stopped making payments in XX/XX/XXXX sometime. She asked for personal identification information and then asked if I recalled why I stopped making payments in XX/XX/XXXXand I stated that I did not because that was 7 years ago. She then begin to yell, demand and threaten that since I did not recall any of this they would go ahead and turn it over to the court systems and that I should receive a notification of my court date. I had to yell over her to explain that I she needed to provide me with some written proof of this debt and that I would verify it and then get in touch with her or the company to make arrangements. After a few minutes of yelling back and forth, she calmed down and said that she would have to make a request for someone to send me a copy of the letter that was sent to my address ( which I lived at 10-12 years ago ) and demanding that I call her and only her back that same day as soon as I received the letter in the email. Once I received the letter, It had a different phone number than she called me from and than what she gave me to call her back on. The website address is also not valid, because the entire web page is in XXXX. The address provided on the letter head is also the address of a XXXX Store in XXXX Georgia, but she originally called me from a Mississippi local number. I have not returned her call or made any payment arrangements as I am afraid this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ XXXX gas card is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX  I.C . System INC, Reported to my credit report for a account/balance of {$950.00}. I have sent multiple letters and reached out multiple times about this fraudulent account. This account is not mines and I have exhausted all resources of trying to have this account removed. This is not my account nor is it my debt. Please have this fraudulent account removed ASAP.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft, see police report attachment
Product: Credit reporting or other personal consumer reports

You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I also sent dispute letters 5 months ago. The letters are dated, and time stamped and will also be attached for your reference. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX ) Capital One Collection {$920.00} on all 3 Bureaus. I've sent multiple letters asking for evidence and proof that this account belongs to me and no response or evidence of any kind. 

XXXX ) XXXX {$690.00} Collection on all 3 Bureaus. Same as above. I've received nothing from this company and I don't own this debt. It's been close to a year and no response. 

XXXX XXXX XXXX XXXX XXXX {$1300.00} on XXXX and XXXX. This was never an account I had personally. They have not send me anything and again no evidence of me owning this debt. 

I need all of these accounts removed immediately. Don't care what their excuses are and their justification for reporting these erroneous accounts on my credit. I'm not tolerating this fraudulent reporting any longer. I've tried long enough to get evidence and response from them and the bureaus. 

I need you to help me to get them to remove these negative immediately because it's holding me up from purchasing a home.
Product: Credit reporting or other personal consumer reports

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


15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

Sent money with Zelle I was not able to get the money back. Bank of America did not have disclosures to make me aware that the transfer can not be reversed.
Product: Debt or credit management

From XXXX Lexington Law did not repair my credit as promised. Lexington Law made my credit worse, they promised to send out letters to companies that were on my credit report and to fix my credit. I was paying them every month and Lexington Law did not fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

-Check Date XX/XX/XXXX -Check Amount- {$700.00} -Check made out to- XXXX XXXX -Provided the First XXXX XXXX routing and account number. 
-I closed out the account on XX/XX/XXXX -Nothing could be found while I was on the phone either time. 
My account was a XXXX XXXX checking account that was transferred to Key Bank as the companies merged. I've spoken to Key Bank twice providing all my needed contact details-Phone number, Email address, and updated mailing address.

1st phone conversation XXXX, promised a call back with information, no call was made to me.

2nd phone conversation XX/XX/XXXX, did receive a call back, but was advised the same details as the first call, " I'll open a research request to have this reviewed for the check copy ''. I requested the check copy be sent by email as this is needed for a Court Case. I was advised no problem. I was advised that I would be followed up with in 3-4 days by a person from their research department advising of a status. This timeframe has come and gone and no communication by phone, email or mail has been received. 

This check copy is highly important and is time sensitive to me. I'm in no way confident that any action has been taken place by Key Bank. All details that were given to me, such as follow up have fallen through. I need help to get this matter resolved as it seems I've been forgotten about.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, Equifax, and TransUnion for their failure to remove fraudulent accounts from my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 605B. I have repeatedly informed the credit bureaus that I was a victim of the Equifax data breach, yet they continue to report accounts that do not belong to me. The following accounts must be removed immediately : Collections : XXXX XXXX XXXX ( {$3800.00} ) Source XXXX XXXX ( {$5000.00} ) XXXX XXXX XXXX ( {$170.00} ) XXXX XXXX XXXX ( {$66.00}, {$1800.00} ) XXXX XXXX XXXX XXXX ( {$970.00} ) Charge-Offs : XXXX XXXX XXXXXXXX XXXX {$340.00} ) XXXX XXXX ( {$1600.00} ) These accounts are being reported illegally and violate multiple federal laws, including : 15 U.S. Code 1692c Debt collectors can not report fraudulent accounts.

15 U.S. Code 1692g No validation was provided, yet these debts remain on my report.

15 U.S. Code 1681e ( b ) All reporting must be 100 % accurate across all bureaus.

15 U.S. Code 1635 Right of rescission applies to the charge-offs listed above.

Despite my repeated disputes, the credit bureaus have failed to properly investigate and remove these fraudulent accounts. This is a direct violation of my consumer rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I am demanding immediate removal of these accounts, as the law requires that fraudulent accounts be deleted within four ( 4 ) business days of notice.

I request that the CFPB intervene and ensure that Experian, Equifax, and TransUnion comply with federal law. If these accounts are not removed promptly, I will pursue legal action against all parties involved.