23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX : XXXX and list of Inquiries. 

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 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 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. 

List of Unauthorized Inquiries : 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 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 card

On XX/XX/year> I purchased a XXXX patio sectional couch from XXXX using XXXX XXXX store XXXX offered by synchrony bank. I paid a total of {$380.00}. XXXX uploaded tracking information from XXXX XXXX. The tracking information provided by XXXX XXXX XXXX XXXX showed final delivery in XXXX XXXX XXXX. My delivery address is in XXXX and I have no association with XXXX XXXX. When I contacted XXXX they told me I had to wait 90 days to see if it arrived later. After 90 days and no refund I was instructed by XXXX to file a police report. I was told by my local police department that it was a civil matter and that no crime had been committed. When contacting XXXX store card with the relevant information to dispute the charge I I'm always told they will investigate but they never get back to me. 

Tracking clearly shows that the item was not delivered to me. XXXX nor XXXX store card have been able to provide any evidence contrary. 

XXXX XXXX card has charged me {$480.00} in late fees and interest associated with this charge while it has been in dispute.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX and XXXX Account name : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX homestores # XXXX, XXXX XXXX # XXXX and # XXXX, XXXX # XXXX, Account Name : XXXX  XXXX # XXXX have violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XX/XX/XXXX under the account number ( XXXX ), in the sum of {$0.00}. account opened at XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account ( XXXX ) in the sum of {$150.00}. A service XXXX account opened XXXX under the account number ( XXXX ) in the sum of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :
Product: Credit reporting or other personal consumer reports

I've sent each copy of inaccurate information reported to XXXX, Experian and XXXX regarding XXXX XXXX XXXX  monthly late reporting. Each agency is reporting different information from XXXX XXXX XXXX. I've asked for this information to be deleted from my report due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. XXXX  XXXX is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.
Product: Mortgage

We purchased my home, which we closed in XX/XX/2023. Our first payment was due XX/XX/2023. The initial company our mortgage was financed through was XXXX XXXX, which we made payments as follows XXXX XXXX XXXX {$3200.00} XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment As of XX/XX/XXXX, we received a notice from XXXX XXXX stating that our mortgage was transferred to ServiceMac. They also stated that as of our XXXX payment, it should be made to ServiceMac. 

As of XX/XX/2023, a payment was sent to ServiceMac. See payment below : Service Mac LLC XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Payment As of today, an email was received stating that we did not make our XX/XX/2023 payment and they are stating that the payment is past due 18 days. They are also referencing that our payment amount is {$3400.00}. Not only are they saying that we have not made our payment, but they are referencing the incorrect payment amount according to our loan terms. It seems like since they transferred our loan to this new company, they are trying to do fraudulent things. I would appreciate if you can resolve the matter. Thanks
Product: Credit reporting or other personal consumer reports

I checked my Experian credit monitoring XX/XX/year> and I noticed that I had a unauthorized hard inquiry on my credit report I phoned Experian XXXX department and they were no help and asked me did I fill out a police report. 

The hard inquiry was : - XXXX XXXX, XXXX XXXX XXXX date : XX/XX/year> XXXX
Product: Debt collection

Robocalls from XXXX on XXXX, XXXX, XXXX ( which I answered to let them know they had the wrong person, but was only a robocall, with the message if I was not this XXXX? person, hang up ) and XXXX. They have been looking for this person for a long time. My wife called them in 2014 and told them they have the wrong person and did not have consent to call this cell phone anymore. Two years later, they are ignoring that verbal cease and desist order. Their website is down & I do n't feel the need to spend money to send certified mail or fax when a verbal cease and desist is permissable according to FDCPA & XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX  Social Security XXXX : XXXX Consumer Date of Birth : ( XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$1400.00} charged off and past due. 
Description : This account was fraudulently opened in my name and has been reported as charged off. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} ( account closed with XXXX late payment ). 
Description : This account was fraudulently opened in my name and includes a late payment that does not belong to me. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$3300.00} charged off and past due. 
Description : This account was fraudulently opened in my name and has been reported as charged off. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I got an email today, XXXX XXXX, stating that I had allegedly applied for a loan from some company called Lendumo, but had been denied. The application was submitted sometime on or around XXXX XXXX. I never submitted any loan application at that time. I don't know how, but someone keeps getting my information and using it to apply for loans. I am past sick and tired of it.
Product: Mortgage

On XXXX XXXX, I emailed HomePoint financial with a form to set up biweekly payments ( called FlexPay ). I expected the first payment to start XX/XX/XXXX. I noticed that no payment was made XX/XX/XXXX, so I called them. The agent said that they received the form too late to start payments for the XXXX payment. She said that she would set it up to start XX/XX/XXXX and that as long as I made the XXXX payment by XX/XX/XXXX, it would start. I made the XXXX payment and checked again after XX/XX/XXXX, and they still had not set up the payments. On XX/XX/XXXX I talked to another agent, allegedly a supervisor, about setting up the payments for XXXX. I made the XXXX payment online while talking to her, and she said that she set up the payment to start XX/XX/XXXX, and I thought that everything was good. A few days later, I get a call from HomePoint, allegedly from a supervisor, who said that they could not make the payment on XX/XX/XXXX since the first payment of a biweekly payment had to be made before the XXXX of the month. I told her that I did not want a biweekly payment to come out of my account every other Thursday, the day before I get paid. She did not even know how biweekly payments worked. She was very rude and said things like " the XXXX of the month is not always a Thursday, '' and she could not confirm whether it would happen every two weeks or just twice a month which is defeating the purpose. I told her that I was fed up trying to get this set up, so I told her to cancel it. I also asked her to talk to her supervisor, and she said that she would have another supervisor call me back. An hour later, I spoke to another supervisor, and I explained everything to her. She was also rude and asked what I wanted her to do about it. I told her that I wanted her to know that everyone I had talked to did not seem to know how to properly set up the payments and that they need better training for their people. She asked if I still wanted the payments set up, and I told her point blank that I did not want the payments anymore. I wanted it cancelled. Of course, I check my bank account on XX/XX/XXXX, and HomePoint made AN UNAUTHORIZED CHARGE to my checking account after having told BOTH supervisors to cancel any payment request. I contacted their customer service again on XX/XX/XXXX, and they are allegedly cancelling the payments now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently complained about this same issue of XXXX XXXX trying to collect on a debt that is over 10 years old.  Since the previous complaint ; they have now sold this account to Enhanced Recovery Company stating this is a new account. 
I have not opened an account with this company and this was removed prior because XXXX XXXX sent it to another recovery company. This should be illegal for them to continue to sell old debts to Collection agencies. This was removed off my credit report earlier this summer and now it is back on here again. It states that between XXXX XXXX, 2019 and XXXX XXXX a new account in collections was added to my credit report. I need this removed from all 3 credit bureaus due to this is an old debt over 10 years old.
Product: Checking or savings account

On XX/XX/year> someone called in and increased our daily limit on phone transfers then on XX/XX/year> they made a telephone transfer of {$4000.00} from our savings to checking. Then XX/XX/year> they used my atm # to transfer {$9600.00} to XXXX. We have never made telephone transfers or online gambled and WF should know this from our history of banking with them for 29 years. I provided phone records that show no calls made to WF on these days. We always use online banking and receive e-mails that the transactions are processing. We received nothing regarding the telephone transfer & the other fraudulent transactions until after they were all made. We received a letter in the mail. We have been denied twice & 1 claim was filed by our branch manager in XXXX, MN. It is unbelievable someone can get to your money this easy, it is scary.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : GOODLEAP LLC # XXXX
Product: Debt collection

As of XX/XX/2022 per cfpb director XXXX XXXX a law was passed to have medical files under {$500.00} to be deleted. I have contacted all of the credit bureaus in regards to my 4 accounts that I have on my file that qualify to be removed under the new law. 
I was advised by each bureau that they would put the accounts in dispute and nothing has happened and we have make no progress, thus prompting me to file this complaint. 
The accounts I am attempting to get removed are as follows : XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 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

I have recently closed on a mortgage and received a copy of my credit report. There is an unauthorized inquiry listed on XX/XX/2021 from JPMCB that I did not pursue. Please remove inquiry.
Product: Debt collection

1. Opened Account with Republic Finance on XX/XX/XXXX, Republic sent me {$2500.00}, check in the mail. APR 12.00 per cent. Paid off in 12 months. 
2. Covid-19 hit Louisiana in XX/XX/XXXX, Unable to work at XXXX XXXX XXXX XXXX and XXXX halted my new business plans to a standstill. 
3. New loan approved, renewed 2 or 3 times, loan dates were XX/XX/XXXX to XX/XX/XXXX, balance financed was {$8200.00} and total note was {$12000.00}. Noticed a change in property used as collateral, portable building was added that my XXXX owned. Suspected Fraud and mentioned to Branch Manager, he stated I needed more collateral even with a XXXX Score of XXXX. Received constant harassing collection calls. My family was bombarded with calls. 
4. Enrolled in Debt Relief Program, XXXX XXXX with Republic Finance as a creditor. XXXX XXXX, who told me I was a great customer, would not agree to be listed as a creditor. I filed a complaint to the Louisiana State Attorney General 's Office. The AG 's Office stated this was not there jurisdiction and suggested I get my own Attorney. 
5. Republic filed suit in Civil Court on XX/XX/XXXX. The Branch Manager was a no show, Republic charged the Debt off on XX/XX/XXXX. I made a Motion to Compel Arbitration from the Judge and it was granted. As of today 's date I am in Arbitration Proceedings with XXXX XXXX XXXX and Republic Finance. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX