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

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/202XXXX XXXX XXXXXXXX XX/XX/202XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection

A company called GENESIS CREDIT MANAGEMENT has reported a collection account to my credit report, on behalf of XXXX XXXX an apartment complex in XXXX PA. I never lived in this apartment before, I dont owe them money
Product: Debt collection

I have mailed 3 letters trying to resolve this matter. every letter stated that this was not my account. I have repeatedly ask for proof that this is my account. I have ask repeatedly for something bearing my signature. And in reply ive been told they are not required. To show proof of anything with my signature. they only send a print out of a bill nothing with my signature on anything!!!!. the first letter was sent by certified mail on XX/XX/XXXX. the second sent by certified mail as well on XX/XX/XXXX this was in response. too their print out of a bill as proof that this is my account. once again they sent nothing bearing my signature.
Product: Credit reporting or other personal consumer reports

I have been sent multiple Equifax Credit Reports via mail, and every report says that they have deleted a specific inquiry that has been fraudulent on my credit report since XX/XX/2023. The inquiry still hasn't been removed on the Equifax website when I check my updated Credit reports. I need the XXXX hard inquiry removed and deleted immediately, because it's a breach of my rights and violates the Fair Credit Reporting Act Section 1681 b ( c ). I have attached another copy of the Equifax Credit Report that states the hard inquiry of " XXXX '' has been deleted. Please reflect the removal of the hard inquiry, and delete it immediately from your Equifax Website.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX. Paid XXXX to XXXX XXXX for a XXXX  and XXXX  for a XXXXXXXX XXXX XXXXXXXX motorcycle. Received product on XX/XX/XXXX. Product was installed and deemed defective. 
Opened a dispute with PayPal. Within 8 hours of opening it, it was closed in sellers favor, with no investigation effort of any kind. 
Re opened the dispute in appeal, provided more information, including user manual from the product that states it must be installed to verify proper function, PayPal demanded seller provide a label to return within 3 days XX/XX/XXXX. On XX/XX/XXXX XXXX claim was again arbitrarily closed without notice in sellers favor again stating tracking info was invalid. This is ridiculous, we never received a tracking number to return, but the claim was closed anyway. PayPal is not performing a proper investigation and wrongfully denying this claim. {$190.00}
Product: Mortgage

I financed my home in XXXX I have only had one late payment in the past. As of XX/XX/XXXX I am now 51 days late on my mortgage payment. I contacted Citi Mortgage on XXXX XXXX to let them know I would pay them in full on XX/XX/XXXX that I had just gotten back to work. On XX/XX/XXXX they sent some to my home with a letter and gave it to a person I had cleaning my yard. Then my daughter came out of the home and was informed that I needed to contact them or I was going to loose my home. On XXXX XXXX.another person was sent to my home with a letter. And he also talked with my XXXX daughter. I get letters every day about this payment. Wanting me to contact them at XXXX when I call they say that I am being recorded when I say I am recording them they transfer me to anther line and hang up. This is harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts are in dispute : XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxx XXXX, XXXXXXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXXXXXX US BANKRUPTCY COURTXXXX XXXXXXXX XXXX XXXX XXXX Account XXXX xxxxxxxx XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX DOE XXXX XXXX XXXXXXXX, 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 card or prepaid card

Hi, My name is XXXX XXXX please see the attached documentation enclosed pertaining to my Capital One account. I have made those payments and have attempted to make those payments to which I also called in to speak to a representative regarding these late payments. This issue and fault is on their end regardless of what I am trying to go for a home and these late payments are severely ruining my credit I need this fixed. I attempted to pay and never received any notices as well as had auto pay on while I was in the process of moving.
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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

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

I have already disputed this account with the bureaus, but they did not remove it, nor prove validation. 

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: Vehicle loan or lease

I reached out to Capital One Auto Finance because my paid-off auto loan isn't showing up on my credit reports from XXXX, XXXX, and XXXX. The loan, which I paid off in XX/XX/year>, is completely missing from all three reports.
Product: Credit reporting

XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU XXXX XXXX.
Product: Debt collection

I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
Product: Payday loan, title loan, or personal loan

The interest rate on this line of credit is 360 %. Way higher than the legal interest rate in the state of kansas. It is making it impossible to pay off my loan or keep up with my other Bill 's. After researching interest rates in my state I discovered this interest rate isnt legal. I attempted to contact them and havent gotten anywhere. I have made multiple biweekly payments since XX/XX/XXXX and I have gotten nowhere. I just 2ant to be done with this loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX in violation of 15 USC 1681 ( c ) for reporting closed information on my credit report.

( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account.
Product: Checking or savings account

Banking while XXXX went to the counter to do a transaction bank tell was making false Statements that would regard as being XXXX Asking XXXX questions this happenedXX/XX/XXXX very XXXX experience I felt like a criminal and Im no a criminal.
Product: Checking or savings account

I used Ally bank to submit an ACH pull from XXXX XXXX in early XXXX in the amount of {$1000.00}. The money was withdrawn from XXXX XXXX on XXXX. On XXXX, Ally suspended all my external accounts and told me they were keeping the money ( XXXX transfers of over {$8000.00} ) until I could prove I owned the external accounts. I did, and I was then advised I needed to file a dispute with each individual external bank to get the money returned and Ally could not help me. 


I filed all complaints and all money has been returned except XXXX XXXX. XXXX XXXX asked me to complete a complaint form and fax that back. I did. I contacted them about a dozen times and today, they told me the complaint was resolved but were not sure why the money had not been returned. I was transferred XXXX, yes XXXX times between the SAME XXXX DEPARTMENTS over the course of XXXX minutes, most of which I spend on hold for each transfer. I asked for a supervisor in the fraud department on the second to last transfer who initiated another transfer back to personal banking. I asked to be connected to the personal banking supervisor and was told they had my info and were ready to answer and assist. I was transferred to their voicemail and have not received a call back. Every time I call, I spend around a half hour on hold and then get transferred. I've already invested XXXX hours of my time trying to correct their mistake. I don't have any more time. I need help or I will have to file lawsuits so I can talk to someone face to face in my hometown courthouse. 

I have contacted Ally through phone, chat and even dealt with their executive customer support/relations team. They are not returning my call, but did admit it was their fault and they had experienced significant errors and apologized for it. XXXX from the Deposit ECR team said she would contact me on XXXX and did not do so. I left messages on XXXX and XXXX and have not been called back. 

Since this has occured, Ally has suspended all my external accounts on XXXX separate occasions. I showed proof of ownership to get them back. Then I had to call and get the rest unlocked again after they were still suspended. Now after talking with XXXX, they are all suspended again. I have no idea why and every time I talk to loss prevention department, it takes a half hour and they tell me a different story every time, even if I call the same day about the same issue. 

They have also restricted my ability to transfer money. Transfers now take longer and I can't even use XXXX. XXXX is supposed to be immediate or same day, but Ally won't deliver any XXXX money for a week because of my account suspensions -- that aren't my fault
Product: Debt collection

What happened? 

I entered into communication with Mutual Management Services regarding an outstanding debt listed under account number [ Account Number ]. On XX/XX/year>, I sent a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. This request was sent via certified mail, and I have documentation proving that the letter was delivered. 

Despite my compliance with the FDCPA and the legal requirements for debt validation, I have not received any response from Mutual Management Services. In addition to the certified letter, I followed up with regular mail, and again, no response has been received. This failure to validate the debt constitutes a violation of the FDCPA, which requires debt collectors to cease collection activities until the debt is properly validated. 

Furthermore, Mutual Management Services continues to report this unverified debt to the credit bureaus, negatively affecting my credit score. Their continued reporting without validating the debt violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which mandates accurate and complete reporting by creditors and debt collectors. 

I am requesting an investigation into this matter and that Mutual Management Services be required to validate the debt or remove the negative entry from my credit report. Attached are copies of the letters I sent, along with certified mail receipts as proof of my communication attempts.
Product: Prepaid card

I've XXXX a victim of identity theft per mail theft and have filled identity theft with the IRS and have my from XXXX XXXX XXXX XXXX XXXX my afvadavate of identity theft from from the IRS and have had my pay pal Master card pre paid account whipped out I've XXXX a victim of unauthorized transactions and have since disputed the charges with pay pal Master card directly with no avail they simply just denied my claim with no error found and are completely useless when I call in for help from the customer service number from deninying me accesses to not willing to help what's so ever in reoping my cases please help XXXX XXXX Account number XXXX Claim number XXXX Claim date XX/XX/2023 Claim amounts {$2500.00} Trans dates XXXX XX/XX/2023 XXXX & XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2. Provide a comprehensive written explanation detailing your investigation process and results.

3. Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to the Credit Bureaus ' most recent investigation. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting additional information from the Credit Bureau about these specific accounts in question since I am not confident that enough was done to genuinely contact the creditors who are reporting these inaccurate information on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report includes the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXXXXXX XXXX XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 2014
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 Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name :XX/XX/XXXX Account number : XXXX Inquiries XX/XX/XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XX/XX/XXXXXX/XX/XXXX : XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX :XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXXX/XX/XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Money transfer, virtual currency, or money service

I was recently the victim of a fraud involving a {$50000.00} wire transfer on the XXXX of XX/XX/year>. I intended to send an advance payment for a property purchase to a business partner, but her email was hacked. 
The hacker provided fraudulent bank details, and I unknowingly transferred the funds to the wrong account, I found out the next day and contacted my Bank ( XXXX XXXX ) my Bank reached out to US Bank ( The account details provided by the hacker was a US Bank account number ) US bank investigated and froze the Bank account and the money because the money haven't been taken out yet by the hackers I requested a refund to be made back to my bank account ( originating bank account ) it's been over a month now and according to my Bank ( XXXX XXXX  ) they are still waiting for US bank to make the refund I urgently request your assistance in investigating this matter and recovering the funds. Please advise on the necessary steps to take.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX LVNV FUNDING XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO WAIT CASH XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, Equifax on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with XXXX XXXX and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.
Product: Credit reporting

I applied for a credit card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?