23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt is over 9 years old and was from overdrafted checks at a business that is no longer collecting on this debt. The credit bureau is collecting on it for themselves.
Product: Money transfer, virtual currency, or money service

Block , Inc, and their subsidiary Cash App, have violated CFPB protections by not having adequate customer service and participating in unfair practices. They have failed at taking timely measures to dissuade fraud and protect their customers. They did not comply with the EFTA and regulation E. Their actions have caused significant inconvenience and financial losses and I seek redress for their actions.
Product: Debt collection

I have asked for my account to be validated. They have been unable to prove that I am legally obliged to pay them, or validate that I signed any papers or gave them permission to open an account for me, or for them to have my account, nor did I ever sign any paperwork giving the original creditor permission to give my personal Information to any third party.
Product: Credit reporting or other personal consumer reports

Ive been trying to reach out to the creditors and TransUnion regarding the inaccuracies on my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX XXXX XXXX just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Credit card or prepaid card

Comenity Credit card/ Victoria Secrets credit card They are advertising open a Victoria secrets card and they will give you {$25.00} off your first purchase if you open an use it online. I opened the card XX/XX/2019 they have not fulfilled the offer at all. It states you must have a valid email address an the code will be emailed to you. I have not received the promotion at all, I have called Comenity directly only to be switch to different csr an it ended with call back, I have emailed three times only to receive a form letter response. I have screen shot my approval, the screen shot of the promotion if you will apply an are approved showing the limited time offer. Still nothing, this to me was pretty straight forward bait an switch.
Product: Credit card

I am writing you because I sent this complain about TD Bank to the XXXX XXXX XXXX and they sent me the TD Bank business profile, and I saw you had already been dealing with TD Banks dastardly ways!

TD Bank, N.A., says I owe them money that I don't owe. 
I requested a balance transfer from XXXX XXXXXXXX XXXX credit cardXXXX XXXX XXXX to TD Bank ( when I opened a new credit card, which I have since canceled ), on XX/XX/year>, and because I had so much trouble with customer service, the online system, etc., immediately thereafter, I asked them to cancel the balance transfer. 
They said it was too late -- this was 12 hours after the balance transfer was requested -- and that XXXX XXXX had to reverse the balance transfer. 
The balance transfer was reversed on XX/XX/year>. And on XX/XX/year> I did a balance transfer to a new credit card at XXXX XXXX 
I have been getting bills from TD Bank ( with late payment fees ) since then. 
I am attaching the last letter I sent them and the accompanying documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account numerous times, this account was removed in XXXX after an investigation and has recently been re-added to my credit report causing a low credit score. I do not recognize how this account is reporting on my credit report I do not recognize the account status, high balance, or the payments associated with this account. I need to have this removed because it is affecting my Credit score so that I can purchase new vehicle for transportation so that I am able to provide for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Policy Number XXXX General Insurance Company of America Automobile Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX XXXX XXXX # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates wereXX/XX/XXXX,XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges.
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Previous employees resided in XXXX XXXX XXXX XXXX identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency.
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I have been threaten since XXXX with violence, disclosure of private information and destruction of personal property.
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Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ).
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Malfeasance in office by XXXX XXXX Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX  XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX
Product: Debt collection

Just because the company responds does not indicate the problem was addressed. Complaint # XXXX is not a duplicate but a continuation of my household goods being confiscated immediately after foreclosure as payment for the debt discharged in bankruptcy. XXXX XXXX instructed XXXX to secure the property I was residing in. They auctioned my contents and I need to be reimbursed or the contents returned. I believe a response is not a resolution!
Product: Mortgage

I have been shopping around for the best rate and my home builder wanted me to use Lennar Mortgage. I applied with them and they did a hard pull on my credit in late XXXX/early XXXX. I had been given an offer for a mortgage rate and then started working with other mortgage lenders to find the best rate. I was given a lower rate by one lender and Lennar asked me to forward over everything to see if they could beat it. On XXXX XXXX, they did another hard pull on my credit even though one was not needed to determine a quote. I raised a concern about this and was told by the loan officer XXXX XXXX XXXX XXXX, that they would have pulled one again before I closed if I went with them anyway so it's not important. I expressed that it was important to me and that I did not want to have multiple pulls on my credit from the same lender. Her response was that I signed an authorization and they could pull it as many times as they wanted during the home buying process. I had asked to be put in touch with her XXXX and over a week and a half later and multiple emails asking for the XXXX, I was put in touch with XXXX XXXX. She was extremely passive aggressive with this situation and said that its not like they will keep doing hard pulls on my credit constantly even though the authorization allows them to do so. I expressed my concern, that it sounded like a threat that they could purposely pull my credit as many times as they wanted and that they could sabotage my home loan with another company by doing so. She got very short with me and asked what do I expect them to do now that it has already been done. I asked her to remove them from my credit report and she informed me that she couldn't and stated that she wasn't even sure that was possible. I informed her I would be contacting the credit bureaus and disputing the hard pulls. Her response was short and rude. She again asked what I wanted them to do, and at this point, I knew that she really didn't care about her company doing this to me, so I ended the phone call.
Product: Vehicle loan or lease

I am writing to request proof of your authority to collect on this sold/transferred loan account. I need proof of your authority to collect on this alleged debt. You have already admitted to attaining this debt via a third party, so I desire more proof before another payment is forced upon me for this fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to Non-compliance with the Credit bureau Experian, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Experian if this account is not deleted.
Product: Credit card or prepaid card

I have sent a letter to this company to get debt validation for this account and they never responded and there has been no update to my credit report.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no knowledge of them, and the company conducted them without my approval.
Product: Credit card or prepaid card

Forever 21 opened a credit Card without my knowledge In the amount of {$120.00}
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 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 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 c
ontaining 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: Debt collection

I filed this complaint as a victim of financial fraud. 

1 ) In a class action case known as XXXX, XXXX. al. v. XXXX XXXX XXXX XXXX et al., XXXX XXXX. XXXX ( S.D. Fla. ), the plaintiffs alleged that XXXX engaged in breaches of contract, breaches of implied covenant, and violations of the unfair and deceptive acts and practices statutes of various states, among other matters, in connection with marketing and administering XXXX XXXX XXXX. The lawsuit was settled on XXXX XXXX, XXXX with the loss of XXXX XXXX XXXX XXXX XXXX. ( Attachment included ) 2 ) As one of the plaintiffs of this class action lawsuit, my XXXX account was cleared, I owed no money of this account. 

3 ) During the course dispute with XXXX XXXX XXXX XXXX, unlawfully, XXXX called my neighbor asking me to pay them. ( voice recorded from my answering machine attached ) 4 ) XXXX  XXXX XXXX XXXX, XXXX. unlawfully suing me for this Chase account for the debt that I never owed them and a judgment was placed on me on XXXX/XXXX/XXXX to be expired on XXXX/XXXX/XXXX ( attachment included ). XXXX and XXXX, XXXX  Counsellors At law is the attorneys for NEW CENTURY XXXX XXXX, XXXX who sued me. ( Attachment included ) : XXXX AND XXXX, XXXX XXXX AT XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Telephone : ( XXXX ) XXXX 4 )  Last week, Ive received a letter from the debtor who bought the fraud loan from XXXX XXXX XXXX XXXX, XXXX signed by XXXX XXXX XXXX from NATIONS RECOVERY CENTER, INC. demands me to pay the amount of {$4700.00} that Ive never owed them. XXXX XXXX included XXXX : XXXX XXXX Nations Recovery Center, Inc. 
XXXX XXXX XXXX XXXX. 
Telephone : XXXX File XXXX I need your help to resolve this fraud created by XXXX XXXX XXXX  XXXX, XXXX, XXXX AND XXXX, and NATIONS RECOVERY CENTER, INC. This has been dragged on and aggravated me for 7 years, since XXXX. 

Thank you and I much appreciate your help. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX... Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

chexsystems if reporting a {$870.00} non sufficient funds report from XXXX XXXX XXXX XXXX and numerous fraud disputes have been filed with chexsystems and XXXX XXXX and its for {$330.00} not {$870.00} so Chexystems Consumer ID XXXX is reporting incorrect amount information on a fraud account from XXXX XXXX and this needs to be corrected and verfied again thru the Error of XXXX XXXX and a new chexsystem reported updated sent to me since i am filing a Civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$980.00} XXXX XXXXXXXX XXXX {$720.00} XXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX {$200.00} XXXX  XXXX {$780.00} XXXX XXXXXXXX {$780.00} XXXX XXXX {$690.00} XXXX XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer credit reports and noticed that I have two accounts with XXXX that are both reporting inaccurate for the month of XX/XX/2023 for all three credit bureaus in which I were never late for. The reports are showing on time for all months prior to XXXX than 90 days late for month of XXXX. The stated accounts accounts XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} Principal and {$2600.00} Principal Please investigate and provide proof that with statements that these payments were late. 
These two accounts can not report 90days late without first showing 30days and 60days late. 

I will like these two payments with this lender to be rightfully updated to paid on time as I were never late. 
Proof of inaccurate reporting is also attached.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Auto Loan account opened at XXXX XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, A Charge Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account XXXX at XXXX XXXX XXXX XX/XX/XXXX under the account number # XXXX, and a Credit Card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and derogatory accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries 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 hard inquiries or accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues are with the below parties. I have reached out to them over five times to express this is incorrect. All bureaus are showing a collection from XXXX XXXX XXXX which is incorrect and should be removed. Please assist. 

XXXX. Experian XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX did not fix an error on my credit report. The contract was canceled by the company.
Product: Mortgage

LOANCARE/XXXX  XXXX At the end of XXXX I purchased my home and property. The first payment was due XX/XX/XXXX. The payments were set up electronically to come out of my wife 's account at XXXX XXXX. All payments were made and made on time. During the pandemic a forbearance program was offered to us and we took advantage as the program seemed beneficial. I later found out by calling the company with questions that they only showed one payment EVER being made and that they were attempting to get in contact with me. So after being in the forbearance program for many many months it now shows as a rolling late and has ruined my credit. I confirmed that they had the wrong phone number, mailing address and email on file. I explained that ALL payments prior to starting the forbearance were paid on time. I also asked why they wouldn't have informed me that there were any payments that showed unpaid. After attempting to get answers and following their direction to send proof of payments in which took 3 different times mailing and also faxing, I wasn't able to gain any ground with them. In the meantime the forbearance had to be extended multiple times for them to review the documents that according to them takes 45-60 days. I was told that they received the documents then after not hearing anything for 60 days I called back and was told they do not have any documents.This happened multiple times. They were sent certified mail. The stress level has been unbearable as we are about to lose our LIFE home. The have demanded all payments which at time time was over {$130000.00} and is much higher now. We have hired an attorney that has drained my savings account and he has now had any cooperation either. I have even attempted sending a payment in as I was advised and it was returned.At this point I am extremely concerned that we are losing our house because of someone else errors. I really would like to know where our payments went. This is our home and our investment. It has been almost two years and my wife and I had to put off a new roof and other much needed repairs due to the not knowing. As you can imagine we now have water damage because of the delay 's and other issues. There are of course more time-lined details we have recorded when needed. Our attorney was able to move the Trustee Sale Date to XX/XX/XXXX at XXXX XXXX. 

Thank you in advance, XXXX XXXX
Product: Debt collection

I sent my FTC identity report to this company and they sued me as well as still reporting these fraudulent accounts on my credit report.
Product: Debt collection

I received a fault student loan collection that I was not aware of the amount of {$55000.00} and is not reported on my student loan servicing, this is scam collector company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you the XXXX XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity, theft, and fraud within four business days of you receiving this complaint this fraudulent and inaccurate and false information consist of a false apartment. Lease opened in 2023 XXXX I have attached a copy of FTC identity theft criminal complaint.XXXX As proof from US Federal Trade Commission that all the aforementioned consumer, credit accounts, collections and hard inquiries are the result of identity, theft, and fraud.
Product: Credit reporting

There is an address listed for me where I have never lived. I have never lived in XXXX Virginia. Address listed is XXXX va XXXX.
Product: Debt collection

Synchrony Bank sued me for an alleged debt on XX/XX/year>. ( Case Number : XXXX ) However I disputed the debt with Synchrony Bank and they honored my claim by shutting down the account, cleared my responsibility and notify the credit agencies. Unfortunately I experienced pain and suffering from their false claim. I've had difficulty receiving credit, renting a house and purchasing a vehicle due to their mistake. This has negatively affected my life. I'm seeking {$10000.00} dollars for their wrong doing. Im willing to avoid seeking further litigation if my request is granted in the next 10 business days.
Product: Credit reporting or other personal consumer reports

I tried to create a credit karma account today only to find out that I already have one. However it is not tied to my email address. The email address listed has never been mine. I am concerned because the person that created this account tied to the email address has the last four of my social.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent collections account that Experian refuses to remove from my report. I asked them to investigate on XX/XX/XXXX. They wrote back a few days later claiming that the account was " verified ''. However, they refuse to tell me how they " verified '' the information with the collection agency. I know for a fact that Experian DID NOT CONDUCT AN INVESTIGATION into this account because I contacted the collection agency directly and they told me Experian did not contact them to discuss the matter. In addition, that collection agency could not provide any legal documentation whatsoever that proves this account was mine. 


EXPERIAN IS LYING. They say they conduct investigations into fraudulent accounts but they do nothing.