23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XX/XX/2017. My small business was a victim of identity theft by the bank. They opened multiple accounts and subaccounts in my business name and from what I was able to find out that there was a virtual credit card set up by the bank that linked all of the accounts together and some bank unknown bank personal then was able to transfer money and gain access to the money. I would like copies of those account statements that I know of and copies of others that I did not know of to include opening and closing statements. I would also like account information on the virtual credit card and who had access so that I may intelligently request the lost funds back. Your assistance will be greatly appreciated.
Product: Payday loan, title loan, or personal loan

An app that I regularly use to monitor credit score, XXXX XXXX had a notification that I had a great chance of obtaining personal loan to consolidate credit through Lending Point. I completed the applicaton and was given approval. I signed the contract with the loan agreement which provided the APR, finance charge, and amount financed. The website asked for my bank account information to set up for ACH deposit of the loan and withdrawal for monthly payments. The date of deposit for the loan was suppose to be XX/XX/XXXX. The day before the deposit was scheduled to arrive, I receive email from Lending Point stating they couldn't grant the loan. This company did a bait and switch. They collected all my personal information, banking information, employment, and credit report which had score over XXXX and misleading customers by providing fake agreement and not honoring it.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts, inquiries, addresses, and names on my credit report due to identity theft caused by the data breach. The inaccurate information is causing significant harm to my credit and I expect immediate corrective action. 

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau violated my consumer rights under 15 usc 1681b ( a ) ( 2 ) '' no permissible purpose or no written instruction '' I never gave any permission to report such unverifiable and inaccurate accounts. all the disputed accounts are drafted on my letters. I want them to be removed immediately. They failed to delete these after several letters i have sent to them. They failed to verify and update my report the correct way.
Product: Debt collection

I was a former tenant at XXXX at XXXX XXXXXXXX XXXX before being evicted by management in XX/XX/year>. I received an official court document to appear to court to dispute the amount in XX/XX/year>, but the apartment 's management and XXXX XXXX XXXXXXXX XXXX department managed to place my things out before my court date. The amount on my credit report is significantly different from the amount requested by the official court order document. I already attempted to clear the confusion with National Credit Systems, but was unable to come to an agreement. I filed a complaint with a federal agency on the day of eviction, and I believe XXXX performing an illegal act by trying to collect an amount not ordered by a court official. In addition, the incorrect amount is causing damage to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX permission to furnish these accounts. American Express acct # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX I do not recognize the inquiries that appear on my credit report. I have requested XXXX to remove these inquiries several times and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17 sent in a request to VALIDATE AND remove bankruptcy and tax lien from public record on XXXX and TransUnion credit reports. Both credit bureaus confirmed that they verified information ; which is impossible due to the fact the County Recorder of Deeds, and U. S. Bankruptcy Court does NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
I have requested a VALIDATION NOT VERIFICATION. The XXXX system, the system they use ... ..is not in compliance with FCRA and therefore, I that my consumer rights are being violated. 

In my letter to both XXXX and TransUnion, I requested copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. When I spoke to a representative named XXXX, she confirmed that no documentation has been received and that they do not verify that information ; which is what I was originally told was done. 

Please see attached letters to both credit bureaus
Product: Money transfer, virtual currency, or money service

Hello, I attempted to purchase concert tickets to a XXXX XXXX concert in XXXX, Texas on XXXX/XXXX/XXXX @ XXXX PM. I responded to an ad on XXXX as someone was selling their tickets at face value. I was communicating with the person via text and they stated that they would send the concert tickets, once I sent a qp ( qualified payment ) via XXXX. I was immediately suspicious and called XXXX XXXX XXXX ( XXXX ). I asked if I would be protected if I never received my concert tickets. The XXXX rep stated that I had two hours to cancel the transaction, so I thought I was protected. I sent {$240.00} electronically to the seller who had a Wells Fargo Account. I transferred the money using XXXX, which was recommended by the seller. Once the money was sent over, the seller stopped all communication with me, and the tickets were NEVER sent. I immediately called XXXX back and was told the seller picked up the funds and there was no way for me to cancel the transaction. 

I opened up case # : XXXX with XXXX ; however, I was horrified to learn the that Wells Fargo would need permission from the seller to take back the money, that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened. 4. Last payment date and 5. Closing date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closing Date XXXX - - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account in XX/XX/2018 and on my XXXX and XXXX credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.
Product: Credit reporting or other personal consumer reports

My usage of credit has vastly improved over the past quarter ; and because of my responsible, wise and systematic approach to wisely using my credit, my credit score and rating has changed for the better. However, I am confused as to why my overall credit score with Experian continues to diminish without proper cause. I have attached documentation for your consideration and review.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against CBE Group for reporting an unverified collection account on my credit report. I was never notified of this alleged debt, and I do not believe it is accurate. Furthermore, CBE Group is not registered to transact business in the state of Texas, raising doubts about its legal ability to collect or report debts.

Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt, but CBE Group has failed to provide : An explanation of the alleged account balance.

A complete payment history and audit trail proving the amount is accurate. 
Documentation showing I agreed to this debt and authorized its reporting. 
Proof of legal authority to collect in my state, including their state license. 
A master bill of sale, purchase agreement, and chain of custody for the debt. 
Additionally, CBE Group has violated the FDCPA and the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information, failing to validate the debt, and engaging in deceptive practices that harm my reputation. I demand immediate removal of this account from my credit report.

If the account is not removed or properly validated within 15 days, I will pursue litigation for damages of {$1000.00} per violation, as allowed under 15 U.S. Code 1692k. I have also submitted this complaint to my State Attorney General 's Office and the XXXX XXXX XXXX  for further action.
Product: Debt collection

A debt popped up on my credit unbeknownst to me. ( I am in the process of getting an auto loan ) I called and apparently they had the wrong address. It is a XXXX party collecting for an old cable bill. I had moved out of state and a small balance was left over. In order to get the loan I needed proof the debt was paid. They had the wrong forwarding address. I called them to pay. I told them the situation and that I needed a receipt so my loan can be approved. She stated on the XXXX of XX/XX/2023 that they would email me the receipt in XXXX hours. The receipt never came. I called them Monday the XXXX of XXXX ( Im in Hawaii so my time is different. They are closed when I get off work ). The XXXX XXXX XXXX said it would be XXXX more days for the receipt. I requested a supervisor they said it would be there by today. I spent well over a hour and a half Monday trying to get a receipt. Called again Tuesday XXXX of XXXX. I have been on the phone literally half of the day. I have spoken to a dozen different people all told and received a dozen different answers. Anywhere from 1 day to XXXX days to XXXX days. I still do not have the receipt. It shocks the conscience. XXXX with XXXX today around XXXX pm Hawaii time. Requested a supervisor after yet another time frame for the receipt, he put me on hold for XXXX minutes then came back and said there wasnt a supervisor available, they had all left for the day. I called back at XXXX XXXX  and was able to get a supervisor. Still have yet to get a receipt. They acknowledge the debt is paid. For whatever reason Id have better luck getting into XXXX XXXX. It has to be a systematic business model to not give receipts. Im not exaggerating when I say its been XXXX hours of wasted time on my end. 
The company is XXXX XXXX XXXX XXXX collecting for XXXX cable. Their number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am in the process of buying a house and I need this off of my credit reports, I have called Experian and its really hard to get someone on the phone. Please delete this : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters dating back to XX/XX/XXXX. The agency has not responded to the matter. I have shown the agency has not followed its own standard and it's clear by me being able to point out missing, inconsistent, or even inaccurate information on each and every letter attached. The only thing the agency has done is refuse to look into the matter as well as try to stop the process by asking me for ID, which I attached with each and every letter since XX/XX/XXXX. Please notice that Experian doesn't even have my correct birth year. My birth year is XXXX but Experian has XXXX. This is clearly a high risk and has serious consequences.
Product: Mortgage

I have a mortgage with Nationstar. I have been in my home for 8 years. I had a reduction of hours in my work and fell back on my payments. I was only 2 months behing and was doing everything possible to repay, i also sent several times all the forms by mail/fax for mortgage modification and they insisted on that never received any thing. Final letter saying that they will not received any payment unless full payment of mortgage was paid in full thas XXXX.They also said that the sherrif will be coming to make sure vacated the home. I been talking to friend and coworkers and been told that i have been victim of of unscrupulous practices.
Product: Debt collection

Equifax/Ifs Furnisher has FAILED TO CURE COMPLAINT # XXXX 15 U.S. Code 1681n - Civil liabilityforwillful noncompliance. U.S. Code. NOTE : I the consumer again request that Equifax remove any mention of this collection ASAP per the Fair Credit Reporting Act. The Listed collection account below continues to violate my Federally protected consumer rights to privacy and confidentiality : FCRA violations : 15 USC 1681 section 602 A & 15 USC 1681s-2 ( a ) ( 1 ) EQUIFAX - Reporting 1 Derogatory marks 1 collections- XXXX XXXX XXXX XXXX To Note : this complaint initially filed on # XXXX XX/XX/year> ( Yet unresolved ) Additionally : I'm in communication with Attorney XXXX XXXX concerning this matter and will request assistance unto the full extent of the FCRA law, if not resolved via CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax reporting XXXX debt of {$41000.00} ; when it was disputed they simply sent their records showing years of this debt being in the record ; i have been unable to ascertain WHAT this debt is because i have recently been granted Total Permanent XXXX for my student loans. I can not begin to resolve this issue until i can determine 1 ) if this is a VALID debt 2 ) if this indeed a student loan, i need loan origination and promissory documents ; if not i am requesting this XXXX line item be removed from my credit report.
Product: Student loan

On several occasions Account Control Technology have contacted me in reference to students loans. I send them a letter indicating I did not want to be continually harass, and do not contact me unless they intend to take additional steps. They have continue to called me. On yesterday, I received a call from phone number XXXX XXXX. The caller stated that I was being sued for criminal charges, and I needed to call that number and extension number. I believe that this caller was from Account Control Technology. I believe that their practice is a violation of the FDCR
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Credit card

On XXXX XXXX, XXXX, I was just checking my credit card statement on my Bank of America Cash rewards card and noticed THREE charges that I DID NOT MAKE! They were all over {$300.00} at XXXX XXXX -- {$300.00} in XXXX XXXX CA, {$320.00} in XXXX XXXX, and {$320.00} in XXXX. They were pending at the time. I called immediately and talked with a young man and entered a fraud dispute. I had my credit card cancelled immediately as well, and a new one was issued and is currently in the mail. A few days later the charges were reversed. I checked my account today ( XXXX XXXX ), and the reversed charges were RE-ENTERED! A letter on our account just said they were unable to approve my claim. 
That " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' THIS IS NOT TRUE!! 
I don't know what to do. I have tried to get through calling, but I'm continually transferred to another number and then never can talk to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. 

They also violated my rights under : 15 U.S. Code 1681i section 5. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They also violated my rights under : 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. 

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Key bank allowed fraudulent charges from XXXX XXXX car take over {$4000.00} from my account. And the company XXXX was only able to provide one authorization signed by myself for XXXX $ for the week I had a vehicle. XXXX had some sort of computer problem and at one point thought I had 6 rental cars. Key bank didnt even look at my proof of only having the rental car for a week. Instead they reversed the original provisional credit and have refused to look at my side of the story. I had only authorized a payment for XXXX for the length I had the vehicle. I have also had thousands of dollars go missing and when I bring it up to key bank they become very rude wont give me an explanation for where my money is and tell me I need to keep track of my money better then hang up on me. They have stolen thousands from me. They give me a bank account that has no fees and I pay over XXXX $ a month each month in fees?? I am now negative {$3000.00} this is money I inherited from my deceased baby brother. This is unfair and sickening that they would do this. I deposited a XXXX $ check back in XXXX and still have never received my funds from my check. I need someone to help me get my money back. I feel like I have no voice they shut me down everytime and its wrong. They stole from me and allowed my money to be stolen and blamed me for it. They left my family and I stranded XXXX miles from home when they did this and have done nothing to explain where my money is and when I sent in all my proof of returning the vehicle and receipts and email discussion with XXXX them stating the vehicle was Infact turned in on the date I returned it and what matches my receipt. The other documents they have dont even have my signature. I never authorized them to take that amount and my bank allowed it and shut me down. What am I supposed to do.
Product: Credit reporting or other personal consumer reports

The fraudulent, incorrect, and misleading information on my credit report remains unresolved despite my numerous efforts to address it. The presence of these items has severely impacted my life, causing me significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.