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

equifax is reporting U S DEPT OF EDXXXX Account number XXXX to have numerous months of late payments with the last payment made in XXXX of 2020. This is incorrect please see attached document showing XXXX  report of the same account showing exceptional and current payment history. remove this incorrect information immediately The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately
Product: Credit reporting or other personal consumer reports

I am filling this complaint due to fraudulent unauthorized Inquiries being on my credit report. 
A company named XXXX XXXX who purchased my info in an XXXX data breach isagain using my information to apply for credit. 

The Identity theft has resulted in the following fradulent unauthorized inquiries : XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/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

To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on XXXX and I can not even access XXXX XXXX or Equifax do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my XXXX report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XXXX o XXXX shows XXXX I have never applied for credit, which includes the accounts on my XXXX report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( XXXX inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX  XXXX ( XX/XX/XXXX ) o XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate late payments for account XXXX XXXX XXXX XXXX. I have tried to get the late payments removed far too long and I do not think an investigation was done because the creditor informed me that Transunion has not reached out for any information. Please see the attached dispute letter that was mailed to the credit reporting agencies on XX/XX/23 which is dated, and time stamped. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n if the incorrect late payments are not removed from my account.
Product: Debt collection

I checked my Credit and found out AWA Collections is on my credit for {$1900.00} the original balance was {$1700.00}. I never received a notice about this debt. I have received zero calls to see how I can resolve it but instead just slammed be with this on my credit which I do not appreciate. Under FDCPA A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt.

Specifically, a debt collector may not Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

Please see case # XXXX with Dovenmuehle Mortgage Company. Today I am complaining about excesses fees and no return of " bankrupcty fees '' I was released from from previous XXXX Mortgage - Please find attached letters ( 2 ) from XXXX. Additionally, I completely paid off the exagerated fees to get rid of Dovemnuehle and they have NOT forwarded my deed or additional documentation ending our business together. Find attached their last statement to me and the check that they cashed. I have a statement from the CLARIFY agency, where the inspections fees were asked to be verified by Dovenmuehle. They could not. This mortgage was current, paid every month, not on time, but current. Your assistance in securing my deed and any additional fees owed to me from these people is greatly appreciated.
Product: Credit reporting

I have been trying to get in touch with Experian credit reporting company about identity theft and fraud accounts on my credit report. I have not been above to get access to my credit report or to talk someone over the phone about these problem or issues.
Product: Credit card

I 've been having continuing problems with calling the Sears mastercard for making a payment. The goal appears to be to cause me to fail to make a payment so that they can charge me a late fee. Well it happened. On XX/XX/XXXX, I called to make a payment ( {$340.00} ). It would n't ask me for my account number and when it asked me if I wanted to make the payment with this routing number and that account number it used my routing number for my account number. I called them and complained and they said there was something wrong with their system and wanted me to give them my routing number and account number, I refused fearing credit card fraud - I normally only give those numbers when using an automated system. I told them I 'm tired of Sears making it so difficult for me to make payments and that I would write the CFPB and complian. The call ends. I call the automated system to see if I would be able to make a payment. This time it asks for my account number. Nearly every day, I check my checking account to see if the money was taken. On XX/XX/XXXX or XX/XX/XXXX I called Sears Mastercard to see what the automated system would say my balance is and it said thanks for my payment of {$340.00} and that there was no payment due. On Friday ( XXXX XXXX ) the money ( {$340.00} ) still was n't taken from my checking account. 

I call the company ( Sears Mastercard ) and I 'm routed to Citibank for collections. They say I 'm 4 days past due and that there 's a {$29.00} late fee. I complain that Sears is intentionally not taking my money in order to collect {$29.00} without providing any product or service. They deny it and say I eneterd the " check '' numbers incorrectly when I call to make a payment. They have it set up in order to create as much work as possible for their credit card holders - they wo n't accept payment by debit card. Paying by debit card you can see nearly instantly if the money was taken. Paying by routing/account numbers it can take as long as 5 days for the money to be taken, easily taking people past their due date - easily creating {$29.00} late fee for sears for providing no service and no product. 

They hang up. I call again, make the same accusation. I told them to remove the late fee or I would close the account. They ( employee XXXX ) said they would remove the {$29.00} late fee and I have to give the person ( XXXX ) my routing / account numbers. So I assume i was n't charged {$29.00}, what will happen next month may be different. But at this time I 'm more concerned about this happening again. 

I want to be able to pay by debit card so I can see right away that they took the money, otherwise I want to close the account. And I need help finding a credit card where I can pay by debit card. I looked online but such information is not organized. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NEED CREDIT SCORE TO SHOW on all three Credit Reporting Bureaus. Fraud??? Please remove all charges listed on my credit report due to it being done out of fraud : 1- I don't owe {$26000.00} to " XXXX XXXX XXXX '' due to this being a HUD rental private. The CORP OFFC knows nothing about these charges. Office manager was made to put this on via due to threats as a result of a federal CT case ... Called " Licenses & Inspections on the maintenance due to leaving smoke detectors unfixed for XXXX years as even an attorney questioned when the management office had me falsely put in " XXXX XXXX XXXX '' out of retolation, ( which agents got me out.. )! Other vandalizations which XXXX constantly reported for XXXX  years were done to unit XXXX @ XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, which remained unrepaired until after I voluntarily moved out... Why did they allow me to move back in after I was sent away? ( My rent was only {$160.00} or so ) 1*- I'd likek to sue for violation of HPPA due to them threatening & using my XXXX  by having her be given y XXXX health records, ( falsified by XXXX XXXX XXXX which I later got a 2nd opinion from " XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) , in a false CT case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2- I never authorized my XXXX XXXX phone number : XXXX or any of her infor to be put on my credit report not even as a co-application. Please, remove since also done without her knowlegde! 
4-Phone number XXXX shouldn't be on report either. 
5-Disputing all Fed-Loan DEPT of Education loan since attorneys reported to Federal CT that in case : XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My Loan Servicers are supose to be XXXX XXXX. They reported all loans are paid in full. Check with Ct @ XXXX XXXX XXXX, XXXX, XXXX 
5-Remove all soft credit checks except XXXX XXXX XXXX Report fraud on XXXX XXXX  credit check, ( XX/XX/year> ), XXXX XXXX, XXXX, ( XX/XX/year> XXXX XXXX, I never applied for so beware, XXXX XXXX XXXX XXXX have been used without knowlegde due to her being an XXXX on one of my poetry books on XXXX, XXXX, : ( XXXX XXXX XXXX XXXX XXXX  '' ). 
7.Nevr resided XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX 8. Show all credit scores on my reports for paid loans! as I am applying for 1st time home buyer 's & home mortgage. They need to see. Only with a property in XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion, XXXX, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Account in Question : Account XXXX : XXXX Account Number : XXXX Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. 15 U.S.C. 6802 Financial Institutions Duty to Protect Privacy Under this statute, financial institutions and related entities are required to provide consumers with the right to opt-out of their personal information being shared with non-affiliated third parties. I was not given the opportunity to opt-out, nor did I provide consent for my information to be shared with Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these creditors to dispute these accounts and they do not have permissible purpose to be reporting this false accounts nor do they have my correct information or documents. they are in violation of my consumer rights according to consumer law. The creditors are Bridgecrest, XXXX and XXXX federal
Product: Checking or savings account

I was in the XXXX  and some how my things were stolen from the locker that I had placed my things in. This locker had my wallet, phone and coat in it. When I came back everything was gone. When I got news that my things were missing, I called the bank and filed the dispute and waited and they said they found no error. They denied me getting my money back. No information was asked to be sent or anything. This is fraud on the bank because I should be protected by the FDIC. Why am I being denied my money when I did not make those transactions.
Product: Checking or savings account

BMO refuses to follow through in a timely manner and address all issues. 
the funds to XXXX needs be wired immediately same as they were received. 
funds die to me needs be returned immediately, closure if account requested by myself XXXX deposit return needs be given to me immediately. XXXXXXXX XXXX XXXX XXXX initiated return to my account, business debit card, XXXX states {$150.00} rental deposit was declined by BMO and they state it had to go into orinual account it was taken from. this is a credit, money due to me. Another {$150.00} i cant retrieve since XX/XX/XXXX XXXX XXXX i need to pick up a check from BMO immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX, XXXX. XXXX, GA XXXX. 

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax Information Services, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing sham investigation and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from Western Union regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. XXXX XXXX XXXX XXXX confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. Western Union claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. Western Union stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer that was never authorized. I have disputed this with the bank and Western Union. Western Union complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always state to call later. Several case # s assigned. Bank and Western Union refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and late payments.
Product: Debt collection

Portfolio Recovery Associates LLC Account # XXXX To whom it may concern at Portfolio Recovery Associates LLC ( Portfolio ). 



XXXX. At no time have I owed any debt to Portfolio. 

XXXX. At no time have I had any authorized accounts open with Portfolio. 

XXXX. At no time have I had any personal credit accounts with Portfolio. 

XXXX. At no time have I had any personal or business transactions with Portfolio. 

XXXX. At no time did Portfolio have a court order to collect a debt from me or to access my consumer credit report from any consumer reporting agency. 

XXXX. At no time did I consent to give Portfolio authorization to freely access and peruse my consumer credit report from any consumer reporting agency any time they want. 



Portfolio has not provided me with any documentation of proof of assignment of debt, chain of title, forward flow agreement or any documents proving they have the legal right to harass me with debt collection practices, and access to my personal consumer credit report. Portfolio has repeatedly abused having illegal access to my personal consumer credit report. 



Portfolio illegally re-aged a collection account they placed on my credit file on several occasions, the last being re-aged to XX/XX/XXXX. This is a direct violation of the FDCPA and FCRA. I have proof of this. 



Portfolio illegally accessed my personal consumer credit report three times, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is a direct violation of the FDCPA and FCRA. I have proof of this. 



Portfolio misrepresented to the Consumer Financial Protection Bureau ( CFPB ), via documented letters they attached to their response to my CFPB complaint, as well as several other letters they sent to me as of XX/XX/XXXX, which i have in my possession, that they were NOT attempting to collect a debt. However, through telephone communications and credit report access and reporting, it appears that Portfolio is still attempting debt collection on me. This is a direct violation of the FDCPA and FCRA. ( See attached Documents ) Portfolio did not provide me or the CFPB with any authentic proof of their ownership of XXXX XXXX debt, other than a hearsay letter dated XX/XX/XXXX, ending with the words Sincerely XXXX XXXX, in the signature area, without having a persons name, title or personal signature, confirming their personal knowledge allowing them to personally testify to this alleged sale. ( See attached Document ) At this time, I demand the Portfolio Recovery Associates , LLC remove all tradelines with their name and their account information referencing the above account immediately from all my personal consumer credit reports with all consumer reporting agencies forthwith, as they are in direct violation of FDCPA and FCRA laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is Name : XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 
XXXX. Also Known As : XXXX  XXXX. Date of Birth : XX/XX/year> Update this information. 
XXXX. Address : My current residential address isXXXX XXXX XXXX XXXX, OH XXXX. I request that my current address be updated accordingly. 
XXXX. Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. Employers : XXXX XXXX XXXX, be updated as my primary employer.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I recently received a copy of my ( XXXX XXXX XXXX XXXX ) consumer reports, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is categorized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

CAPITAL ONE XXXX # XXXX Pursuant to 15 USC Section 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( CAPITAL ONE ) Making the report is NOT INCLUDED on my report!