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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

This account has been charged off by the company. I would like a copy of the 1099c.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX at XXXX XXXX, i sent {$390.00} to the wrong cashtag. I requested for the person to send it back, but the person declined. It was a total accident. Cashapp is not refunding this lost. Also, on XX/XX/XXXX at XXXX XXXX i was scammed out of {$40.00} for a service. My money was taken and i was soon blocked. 
The cashtag that took my {$390.00} is XXXX XXXXXXXX and the scammer that took {$40.00} from me is XXXX XXXX Cashapp knows about the scamming on their platform, but do not care. There seems to be no account protections, refund preferences, or solutions in situations in loss funds. I am here because cashapp allowed my money to be taken from me on their platform and they are not recovering the loss, but rather " invoke '' guidelines in between to not recover my funds. This is a safety issue and i feel robbed! Please help me.
Product: Debt collection

XX/XX/XXXX : debt collector calls and says that legal documentation has been filed in a suit against me for a delinquent account. The amount was in excess of {$1400.00} from check into cash. We agreed to settle on the amount of {$800.00}. 

Many other debt collectors calling to collect on the same account since then. 

XX/XX/XXXX : phone call from debt collector ( XXXX ( XXXX ) XXXX ) saying that legal documentation has been filed for a suit against me for a delinquent account. Amount in excess of {$1400.00} from check into cash. I told the woman on the phone that I had already settled that debt last year and hung up. 

I called Check Into Cash customer service. They informed me that the debt ( from XXXX ) was sold to a collection agency in XXXX, but that agency went out of business in XXXX and no other company could have access to it. 

The company I paid ( XXXX XXXX XXXX ) has an address to a civilian home ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) and the owner of the company name ( XXXX, XXXX A ll ) has had XXXX other company names but both are inactive now ( source : XXXX XXXX XXXX ). 

I tried to contact the company but no one answers the number left on the letter of release they sent me through XXXX, which had another company name on it ( XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX ) I called my bank but they said they couldnt do anything since the fraudulent activity was more than 120 days old. So Im out {$800.00}
Product: Debt collection

Debt collector continues to call my in laws over a debt. I have never lived with my in laws nor ever given out their number and they have nothing to do with the actual debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccuracies on my credit report. I have carefully reviewed the provided by your bureau, and I have identified several discrepancies that require your attention and correction.
Product: Debt collection

This company is threatening legal action, in writing, in a way to intimidate me into paying a debt I have idea on. This is in direct offense to the Fair Debts Collections Practices Acts. This in direct offense of my rights as a consumer. Threatening legal action is not to resolve a matter I was just made aware of. I will sue them for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX, XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had received several complaints they resubmitted a complaint filed XX/XX/XXXX, and resubmitted the complaint XX/XX/XXXX on their own without me asking so they could get an additional 30 days. XXXX continues to keep bankruptcy on my report when I have a letter from the court saying they do not send information to the credit reporting agencies, also XXXX states they also have removed the bankruptcy from my report. Instead of removing it and credit blocking, they keep it on when these were the result of identity theft. I sent the federal trade commission letter with my state ID, and a police report they still don't care. I'm currently trying to purchase a house and they continue to leave invalid information on my report. They do not want to help me every agent hangs up on me including agent XXXX, XXXX, XXXX. I have been locked out of thier website for the past 2 weeks I belive this is on purpose it says to give agent code XXXX  none of the agents know what this is about one agent says its for my ID but they have my ID on file as I sent it in the mail around the end of XXXX which has been confirmed by all agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is and has been falsely reporting late payments for a period in XXXX when I had a loan with them. I have already filed a complaint once on this and in the response, the late payments that are being reported and challenged were never addressed. They only addressed late payments from XXXX and XXXX which are valid. ALL XXXX LATE PAYMENTS ARE FALSE. I have billing statements proving I made the payments in addition to seeing them in XXXX XXXXXXXX XXXX customer account portal. XXXX XXXX claims they are reporting correctly yet XXXX, XXXX, and Equifax show otherwise. XXXX XXXX XXXX in California even verified they see XXXX XXXX reporting late payments in XXXX when they just recently pulled my credit. Prior to XXXX I had made all on time payments since mid XXXX and continued to do so until XX/XX/XXXX and XX/XX/XXXX. In XXXX and XXXX, during the onset of XXXX, they were offering deferrals for car loan payments. I took advantage of that offer which cleared any need of payments for XXXX and XXXX. I then paid every payments on time ( often early ) from then on out. Any time I have ever called, I get passed around for hours until I magically get disconnected. I don't understand why this is such a fight. All I want is my credit report to show accurately for the year XXXX. I am unable to upload the photos of the account payment history as they are too large. Attached are statements showing I made on-time payments and nothing being past due after XXXX cause of the deferments. Also attached are pictures showing the wrong info being reported for XXXX in XXXX and Equifax. I am unable to show XXXX without paying for it. There is undeniable proof that I made those payments and I should be showing current for all of XXXX. I am adding Equifax, XXXX, and XXXX to this as well. Not to directly complain about them but hopefully make them more aware.
Product: Mortgage

Flagstar Bank. 

During COVID I took advantage of their program to defer payments. At the end of the program I signed the Partial Claim documents to add the extra lien to my property to repay the deferral when I sell or refinance the property. 

since XXXX did the first set of docs wrong I have to sign the docs again for different amounts. they said it would get recorded correctly, it didn't. 

in XXXX i attempted to get a HELOC to make some improvements to my home and pay down some debt. 

at that time it was discovered that XXXX placed 2 additional liens on my property. I have been fighting to get these removed for several weeks. I am unable to get to someone within XXXX that can help me and when I do they do not follow through or return my calls for assistance. 

this process is wrongly costing me money and time that I should not have to spend trying to correct their incorrect handling of this program I would also assume that I am not the only one that this has happened to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not 30 days late for XXXX and XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''. 

I have never done business with either XXXX XXXX or XXXX. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from 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 Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

My husband and I had a loan from Wells Fargo bank sometime around XX/XX/XXXX to XX/XX/XXXX. I never missed a payment and I was never late with a payment. I paid it in full and had a XXXX  balance. I moved from XXXX to XXXX in XX/XX/XXXX and decided to close the loan. Wells Fargo charged me {$160.00}. They refused to close the loan unless I paid that amount. I paid the {$160.00} because I didn't want anything to do with that bank. I don't believe that was legal but I don't know for sure. I had never heard of having to pay a price to close an account. I no longer have the paperwork involved in that transaction but I am submitting this complaint because I want it on the record. I feel I have been ripped off by those cons.
Product: Credit reporting or other personal consumer reports

I SENT CERTIFIED MAIL TO ALL XXXX CREDIT BUREAUS ABOUT MY INCORRECT INFORMATION THEY HAVE ON FILEXXXX IS THE ONLY ONE THAT CHANGED MY INFORMATION.
Product: Debt collection

I received an alert about this collection and called to find out that it was for a XXXX XXXX  bill that I was unaware of. The collection agency informed me that the debt had already been reported to the credit bureaus and claimed that I had ignored multiple bills sent to me. However, I never received any bills from either the collection firm or XXXX XXXX. 

Upon learning about this debt, I promptly paid the account to avoid owing any money. Despite this, the collection agency reported the debt to my credit report without giving me an opportunity to pay it beforehand. When I asked about removing the collection from my credit report after payment, they told me that they do not offer " payment for deletion. '' I expressed my confusion about this term and reiterated that it seemed unfair to report the debt when I had not received any notification about it. 

I believe it is unjust that I was not given a chance to settle the debt before it was reported to the credit bureaus. This has negatively impacted my credit score, and I request that the CFPB investigate this matter to ensure fair treatment for consumers. I also request the removal of this collection account from my credit report since I was not properly notified about the debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern, except as otherwise provided in this section, a consumer reporting agency should block the reported information in the file of the consumer that the consumer identifies that the information that resulted from identity theft, not later then 4 business days after the date of the receipt of such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of the identity theft report ( 3 ) the identification by such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transactions by the consumer. 

I have attached relevant documents pursuant to the above section of the law. I DEMAND all fraudulent INQUIRIES DELETED immediately.
Product: Vehicle loan or lease

I had a lease with Gm Financial and I was 5 payments late which actually ended the lease they charged the vehicle off stating that I owed XXXX that is the total value of the car and exceeded the XXXX dollars that I may owe and that should be realized when thay send me my final bill. How could they charge the vehicle off and have possesion of the vehicle.
Product: Credit reporting or other personal consumer reports

I did not authorize the purchase of {$52000.00} indicated in my credit report. I did not allow XXXX to run my credit on $ XXXX last XX/XX/year>. Their client XXXX XXXX, had asked a Developmentally Delayed resident on my property to sign a contract to do the work. I have no knowledge of the contract never saw any paperwork of estimates, application of credit and contractual obligations. The XXXX XXXX and XXXX colluded in taking advantage of the XXXX individual. I was able to find out when XXXX put a lien in my property for the landscaping amounting to {$52000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX DOB : XX/XX/XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XXXX XXXX {$2000.00} Paid, closed Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX XXXX/XXXX  {$190.00} XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$0.00} {$26000.00} XXXX XXXX XXXX {$2800.00} Paid, closed Account Info Account numberXXXX Account status Closed Date openedXX/XX/XXXX Account type Auto Loan Balance Loan Amount {$2800.00} {$16000.00} XXXX XXXX   OPENED XX/XX/XXXX {$960.00} DEPT OF EDUCATION/XXXX    {$4600.00} 0 % paid off Account Info Account numberXXXX  Date openedXX/XX/XXXX Account type Education Loan Balance Loan Amount {$4600.00} DEPT OF EDUCATION/XXXX  {$1700.00} 0 % paid off 6 late payments Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Balance Loan Amount {$1700.00} {$1100.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease Balance Loan Amount {$3800.00} {$5100.00} Payment Info Status Charge-off Past due amount {$2200.00} XXXX XXXX XXXX {$12000.00} Paid, closed 1 charge-off Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance Loan Amount {$12000.00} XXXX XXXX XXXX {$0.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Account status Closed Date openedXX/XX/XXXX Account type XXXX XXXX   Balance Loan Amount $ XXXXunavailable XXXX XXXX Original creditor : XXXX {$1500.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1500.00} {$1500.00} Payment Info Original loan amount {$1500.00} XXXX   XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$960.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance Loan Amount {$960.00} {$960.00} Payment Info Original loan amount {$960.00} US BKPT CT GA  XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT GA   XXXX.
Product: Checking or savings account

On XX/XX/XXXX my late mother took out a {$500.00} CD from XXXX XXXX XXXX XXXX XXXX, who merged with Bank of America XX/XX/XXXX. About a year ago I uncovered the CD, which was never cashed, and all relevant documents. When I reached out to BOA, their response was we can't find the account or the funds. I have been in constant contact with BOA for some type of resolution. I mentioned my situation with one of my Federal Civilian customers and they stated what BOA is doing is guilty of mismanagement of funds for the following reasons : 1 ) Funds can not be withheld if the CD has matured, 2 ) And/Or on the CD have right to the funds, and 3 ) It is illegal for BOA to hold the funds. I am constantly in contact with all of the relevant Federal agencies ( OCC, FDIC & CFPB ) & I keep running into a brick wall. Because BOA is the largest bank in the nation, it seems they are being sheltered for their illegal practices. I understand my the amount I'm looking to recoup is small in comparison with some of their larger customers, but I feel I deserve to receive what belongs to me. If necessary, I can provide the original documents via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUESTING TRANSUNION TO REMOVE " 2 '' HARD INQUIRIES FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX 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 have contacted Transunion regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit.
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 XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.