23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Ginnys and XXXX and XXXX added derogatory information to my credit report that is due to Identity Theft. I notified both companies and was told they would mail an FTC identity Theft packet. I waited for the packet 2 months or more so I contacted FTC. I completed the packet online and forwarded it to both companies and credit bureaus. Although continued to get calls from the companies, customer service stated takes a while and I would receive letter. Assuming they followed the guidelines for fraudulent accounts, I did not think there would be an issue. Due to FrUd Alerts andmy credit report frozen, it would prevent any other issue. In reviewing, XXXX Alert, I am not the only customer with the issue. It appears there has been more identity theft issue with all the Colony Brands companies. Since I am a XXXX XXXX these companies felt I would be more susceptible to their collection tactics with one damaging my credit. Now I find out that they've sold my credit information n.v action to other companies along being one of the victims of several Data Breaches.Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries XXXX credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. 

If you have received an item from one of the following - XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX & XXXX, Ginny 's, The Swiss Colony, XXXX XXXX, XXXX XXXX XXXX, XXXX  or XXXX XXXX  XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud
Product: Credit card or prepaid card

Friday XX/XX/2020 I received an unsolicited debit card from Bank Relia. 
I phoned them but could not get to an agent without entering private information. There was one phone number for complaints and activation.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC/RESURGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. 

I, ( XXXX XXXX ) never gave ( XXXX, XXXX, OR, LVNV FUNDING LLC ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX/LVNV FUNDING LLC XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from XXXX ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.
Product: Money transfer, virtual currency, or money service

This bank is not operating under federal regulations. I am a XXXX  member in which is covered by the government, this branch denied access to my funds. XXXX XXXX dollars {$0.00} Available in my account. 

The Mission Act of XXXX Violated! 

XXXX XXXX  is aware of the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, Experian violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that Experian will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.
Product: Debt collection

Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
XXXX XXXX XXXX  {$0.00}
Product: Credit reporting or other personal consumer reports

**Subject : ** Dispute of Collection Account XXXX XXXX XXXX XXXX XXXX XXXX 
To Whom It May Concern, I am disputing the collection account being reported by **National Credit Adjusters** on my TransUnion credit report. This account was **already paid through a different collection agency**, and I demand its immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. National Credit Adjusters has falsely claimed ownership of this account without substantiating their claim. I am requesting that TransUnion : XXXX. **Immediately investigate this dispute and request definitive proof** from XXXX XXXX XXXXXXXX XXXX XXXX have the legal right to report this debt. 
XXXX. **Provide concrete documentation**, such as an original contract or assignment from the original creditor, demonstrating their authority to collect. 
XXXX. **Remove this account from my credit report** if they can not provide verifiable proof within the required timeframe under FCRA guidelines XXXX 
Failure to provide proper verification will constitute a violation of federal law, and I am prepared to escalate this matter if necessary. 
Please update me on the status of this dispute and provide written confirmation once the investigation is completed. 
Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Debt collection

I sent a correspondence to Hunter Warfield at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXXThird Party CollectionsI demanded a validation and verification basically some form of contract background. I received a letter stating that the account could not be verified and that they would send information to the XXXX Major credit bureau XXXX, XXXX, XXXX to have the account deleted and removed. The account in question was deleted from my XXXX XXXX report. However the account was reported as being closed on my XXXX and XXXX reports when it should have been deleted.
Product: Checking or savings account

On XX/XX/ Wells Fargo mailed my husband and I a letter. We received in on XX/XX/XXXX. In it they said they were closing our two checking accounts. They gave no reason why, so on the same day we called the number that was listed at the bottom of the letter. The representative refused to give us a reason that the accounts were closed. He said that the bank was not obligated to tell us the reason. That was the end of the discussion. 

We know that accounts are typically closed if they are rarely used, if there have been a number of overdrafts, if something suspicious seems to be going on, or if there has been fraud. None of those pertains to us. That's why we are stumped. 

Please help us find out why they have closed the accounts. Perhaps they can reverse their decision
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion have gravely abused their power. I sent correspondence via USPS regarding this violation. The first attempt was on XX/XX/2023 ; the second attempt was on XX/XX/2023. Nothing was done by either. I started reading the laws regarding the FCRA. From my understanding, the Fair Credit Reporting Act was created to promote consumer information 's accuracy, fairness, and privacy. I was not given that chance. The agencies listed above violated all rights reserved for me and willfully failed to comply with all codes listed. 

1. FCRA 15 USC 1681a ( 4 ) states, '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' The agencies mentioned earlier did not comply, and I am the consumer. ( b ) it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements. 15 USC 1681 ( 2 ) EXCLUSIONS - a report containing information solely about transactions or experiences between the consumer and the person making the report. REPORTING TRANSACTION HISTORY IS ILLEGAL. 

2. 15 USC 6801 states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) it is a financial institution by definition under that title. 


The financial institutions and any consumer reporting agencies XXXX, XXXX, and Transunion do not have my permission to furnish this information, whether written, verbal, nonverbal, implied, or otherwise, is REVOKED.
Product: Credit reporting, credit repair services, or other personal consumer reports

US SM BUS ADMIN ODA made a business loan inquiry by checking my Experian credit file
Product: Credit reporting or other personal consumer reports

The following accounts and inquires are listed on my credit report inaccurately according to the FCRA these accounts and inquiries must be investigated and removed withing XXXX  days please investigate the following accounts and please provide the following information the person you spoke with the original credit the original account numbers and any payments made on this account or these DEBT can not be validated the following accounts are lited aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE NOTE THAT MY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ANY OTHER ADDRESS SHOULD BE REMOVED
Product: Mortgage

XX/XX/XXXX we had fallen XXXX months past due with our mortgage. BOA said we are here to help you. While all along they have been giving us the run around and trying to foreclose on our home. They would not take any more payments even though we were only behind on XXXX payments at the time and suggested that we get a lawyer because they were not going to take any less than what was owed. We have been trying to work with them on a loan modification from XX/XX/XXXX till XX/XX/XXXX. We have been tossed around from multiple customer relationship managers. Some in which were very rude and ignorant and would not keep us up to date as to what was going on with our case or even return our call. At one point in our case they said that there was a code put on our account and that they could give us any information. However we are the ones that have the mortgage with them. They had supposedly qualified us for a special forbearance program however neglected to tell us the details of the forbearance and kept sharing our information on our account with a lawyer that we had fired months ago. Now they keep saying we do n't qualify for anything because we never signed and sent the special forbearance in. Well I guess not when they never contacted us with the details while all along communicating with the wrong lawyer. And not speaking the correct lawyer. Now they are forcing us out of our home because they refuse to work with us. The government has programs put in place for people that need help. And from every law firm that we have talked to we qualify for something because we have suffered threw a hardship. This has put a tremendous strain and suffering on our family. Bank Of America says they are here to help while all along they give you the run around and force you out of your home instead of working with.
Product: Money transfer, virtual currency, or money service

I was paid by two ( 2 ) people using PayPal. The money was received by PayPal. I have what I believe is considered a business account with PayPal. To receive my money they required me to link my business checking account. I entered the information, and it was confirmed by PayPal. 

However, despite doing everything PayPal has asked me to do on their website or on the phone, I have not been able to withdraw my money. The amount I am trying to withdraw is {$1200.00}. I have not received anything but error messages on their website and no help when calling them. Over the past few weeks, I have done everything PayPal has asked me to do. On the phone they have repeated admitted to problems with their systems. They only suggest things that do not work. They even tried to get me to send the money to a XXXX using their phone app, which is not an available option for my account. 

At this point, I am running out of options, short or making official complaints and suing PayPal ( I am an XXXX, and will do this if necessary ). Thank you - XXXX XXXX
Product: Debt collection

I have contacted enhanced recovery company in regards to my credit report. I have been a victim of fraud. I sent enhanced recovery company a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to enhanced recovery company to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX  ) and enhanced recovery company disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay enhanced recovery company and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tirelessly disputed the XXXX inaccurate XXXX to no avail thus far with TransUnion. Consequently, it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, US Bankruptcy Court, XXXX, XXXX, and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Product: Money transfer, virtual currency, or money service

This was around XX/XX/XXXX, I had about XXXX Zelle transactions. 2 of {$1000.00} and another of {$800.00} back to back with different unknown people that werent in my recipient list. I had contacted my bank and they said since it was through Zelle nothing could be done, no solution was made. I wanted to show a screenshot of that history, I cant see past XXXX if you guys know how I can see I would be more than happy than show you guys my history back in XXXX with Zelle!
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please remove these unauthorized accounts from my credit report as I never gave permission to anyone to use my account? Also, kindly remove this inaccurate account from my report.
Product: Credit reporting or other personal consumer reports

My report is showing AN ACCOUNT that belong to someone else, which is unfairly impacting my XXXX XXXX.
Product: Debt collection

I have recently filed a complaint in federal court against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act. Despite my clear instructions not to contact me during work hours on weekdays ( Monday to Friday ), Midland repeatedly called me at these inconvenient times, fully aware that my employer prohibits personal phone calls while I am at work. I specifically informed them of the days and hours when they could reach me, yet they continued to disregard my requests. This persistent calling at known inconvenient times constitutes abusive, harassing, and oppressive conduct under the FDCPA. Such behavior is not only unacceptable but also unlawful, and Midland Credit Management must be held accountable for these violations. By engaging in these practices, they have shown a blatant disregard for consumer rights and the legal obligations imposed on debt collectors.
Product: Money transfer, virtual currency, or money service

I was a victim of international fraud through an elaborate scheme in which international scammers ( XXXX I believe ) reached out via email posing as my Director and asked me for my phone #. They texted me and I thought it was him asking a favor. I was instructed to purchase {$1000.00} worth of gift cards for me CEO which is not out of the normal for my company as far as gifts of that nature. I figured out it wasn't my director at the point of about to transmitting the funds and did not give them the info to take the funds. I attempted to return the the market, they told me to got the " XXXX '' whom the cards were purchased for. XXXX Fraud looked up who they purchased the cards from which was Blackhawk Network. I explained the scenario and just asked if they can give me my {$1000.00} back in exchange for the {$1000.00} of gift cards with fund still on it and was rejected w/o no phone call or anything but just an automated response. 

Upon my rejecting their rejection and telling them I would escalate to the XXXX/CFPB if I didn't hear from their management they reopened the case immediately and said they would continue to investigate. It has been over 10-days since my initial complaint and I have spoken to no one and been sent numerous automated emails. 

I have the funds on the card and think this should not be this complicated yet they want to take no action and hold on to fraudulent funds they are considering profit on their balance sheet.
Product: Checking or savings account

BBVA bought my previous bank : Simple. Simple announced a transition in XX/XX/2021. When the transition was supposed to officially happen ( XX/XX/XXXX ), the new bank BBVA locked accounts once the consumer tried to initiate their transition. After attempting to call their multiple customer service phone numbers, I have not been able to speak to a customer service representative. All the phone numbers lead to automatic disconnection. This process has left millions of people without access to their money, their debit cards, and left wondering about the legitimacy of this new bank. There is no other way to speak to anyone at the company - just call. No emails about the issues they are having - just had to research on XXXX. Horrible and leading many consumers stranded.