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

Equifax Following up on these illegal accounts and inquiries. These accounts were illegal obtained in my name and my information was stolen and shared via a Breach. Illegal credit cards and other things were obtained illegally in my name. Please remove this off my report. 

XX/XX/XXXX I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

have been approved for mortgage they expired reapplied then this mortgage came up after 5 yrs saying i have balance, called XXXX  they sent me form showing i owe no money .advised equifax of this they said they would investigate they did not they just closed without checking i verified that with XXXX.lost house i was trying to buy because they did not do there job
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and see inquiry on my report. I haven't applied for any credit for these inquiry to be on my report.
Product: Debt collection

I have no knowledge of this debt. Never received anything in the mail or even a phone call. When calling this company no one was able to verify my social security number or account number that I supposedly have with this company. This debt does not belong to me.
Product: Debt collection

Started receiving emails from a company called XXXX XXXX XXXX on XX/XX/year>. 

It's for a credit card account in the amount of {$750.00} The bottom of the email says because of the age of the debt I can not be sued over it. 

I've ignored it. I try to unsubscribe and when I do it asks for feedback that tried to get someone to admit they owe zombie debt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was scam XXXXXXXX XXXX throughout a scamm I made a complaint 9 times to my bank and also a police report in 2022 instead of the bank Even give me back half of the money they close Down my relationship with them because they don't want to be responsible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

During the process of leasing a new car on XX/XX/XXXXin XXXX XXXX, CA, my credit report was run. I check the my credit score frequently, and knew the scores were at or near XXXX. The day they ran the report, the XXXX score was accurate ( XXXX ), and I leased a vehicle. A few weeks later I rececived a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that another credit reporting agency I had never heard of, SageStream , LLC ( XXXX ) reported my score as XXXX. After some initial online investigations, I read that other folks were having this same issue ( high or similar scores for the mainstream credit reporting agencies like XXXX, XXXX, and XXXX, but SageStream reporting scores several hundred points lower. ) On the SageStream website there is no way to contact them online ; you can only call or mail/fax them. In fact, they have detailed instructions on their site to fax/mail them a copy of all of my personal info ( including SSN ) if I want to obtain a copy of my credit report. Not only are the above mentioned practices questionable, and potentially indicative of some kind of fraud, the suspiciously low credit scores they provide are hurting people 's livelihoods and purchasing power. Please investigate SageStream , LLC, and put an end to their erroneous and harmful reporting.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$720.00} WAYFAIR CBNA XX/XX/XXXX XX/XX/XXXX {$4000.00} These are Fraudulent accounts i never open these accounts before i have called everyone and Im being ignored i have made FTC reports after FTC REPORT AND THEY STILL ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a responsible investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked inaccurate. 
Top Line Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX {$3300.00} Continues to report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Checking or savings account

XXXX and XX/XX/2020 i took my truck for repair. the truck was towed in. it came with instructions please replace wiring harness and wires as they had been cut. XXXX manager says bring it in we will look at it. ok he riiggeded it up got it running because my girlfriend drove it home. then the truck stopped. I never knew what was wrong because no one could tell me. i take it to XXXX XXXX so they could tell me and they said wire harness and wires are cut. well that is the same reason i took it to XXXX XXXX wiring harness and XXXX tells me this part has been discontinued. so i called XXXX XXXX and they said parts have been discontinued. instead of the mechanic telling me he could not get a wire harness or parts to come get the car. he rigged it and before i left i had told him if you removed any parts i want you to keep them for me. he did not leave parts. instead he rigged the truck and claims to do all this work included repairing a wire harness. i could had lost my life because of a faulty wire harness and it is against the law to tamper with a wire harness. 

once i found out they never fixed the truck with a wiring harness..i called chase if was over their threshold of 60 days. and chase refused to return me back my money. i told chase i was disputing these unauthorized charges they could not fix the truck, added saying it was beyond the return time on chargebacks. i sent them all documentations they requested and said they were sorry and felt sorry for me. i am a member of chase for over 15 years. and my truck still does not run. it is at home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau continues report late payments on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXXXXXX. I have wrote to them on many occasions to remove this inaccurate information. That is a fcra violation of usc 15 1681a ( 2 ) ( a ) ( i ) it clearly states except as provided the term consumer report ( which is my credit report ) does not include a report containing information solely as to transactions or experiences between the consumer ( which is me ) and the person making the report. So I want.these late payments to be removed immediately. I also need.to be compensated XXXX XXXX for this fcra violation tht they have clearly violated..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

A collection agency named Tek Collect Inc just reported a {$2400.00} collection account on my credit report. Before this account appeared on my report, I did not receive my written 30-day notice to dispute. By reporting this debt without providing notice, Tek Collect violated the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX 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: Checking or savings account

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called the number listed on Citizens Bank web site as a customer service number to call if you want to close your account. I told them I want my account closed. They said okay. I received emails asking for customer satisfaction after each call. Calls were recorded by the bank I believe. Bank did not close my account. They charged me monthly fees on XX/XX/XXXX and XX/XX/XXXX and now my account is overdrawn.
Product: Debt collection

XXXX XXXX XXXX sent me a Debt Collection Notice of {$14000.00} for Rent Collection for XXXX XXXX XXXX XX/XX/2024. I submitted a Debt Validation outlining the required documentation to prove they had the right to collect the debt, the proof that the debt is mine, and itemize breakdown of the charges within XXXX days of receiving the letter XX/XX/2024. Until the information outlined in the Debt Validation Letter they should not contact me nor report any Items to the Credit Agencies. I did not received any correspondence outlining the required information, which is detailed in the attached Debt Validation Letter. On XX/XX/2024 the debt collection was reported illegally to the XXXX Credit Bureau Agencies, XXXX, XXXX, and XXXX. I have submitted disputes to have the charges removed from my credit Report as of XXXX/XXXXXXXX to XXXX and XXXX. This reporting to the credit bureau was initiated illegally by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information with all three credit bureaus, Equifax, XXXX XXXX XXXX XXXX, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that Utah XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

XXXX will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.
Product: Debt collection

In 2015 I was a victim of credit card fraud with XXXX XXXX credit card. The account was closed and paid in full. This account was sold after closed and paid to portfolio recovery services who continues to report the account as a new debt, four years delinquent and continues to report it as a new debt monthly which has ruined my credit. The credit bureau removed the acct since they could not provide any documents on the debt. Later they again began the same acts only changed the spelling of my name and acct digits again reporting it as new debt. I lost two jobs and a apartment because of this being reported as a new debt it is Not new or owed.
Product: Checking or savings account

My stimulus check was deposited into my checking account and Bank of America has done everything possible to stop me from accessing these funds. Acct # XXXX Routing # XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK. At this time they have canceled my debit card. I can not transfer the funds nor acces them in any way. Over the last 48 hours I've called 12 times. They changed my debit card pin number without my approval and placed a fraud alert on my account I did not approve. I have tried everything. I need to pay my rent to stop eviction
Product: Credit reporting or other personal consumer reports

There are some unauthorized inquiries on my report. I dont recognize these lenders and I didnt authorize them to perform a hard inquiry on my credit report. It is against federal law ( Fair Credit Reporting Act - 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' none of these creditors were Authorized by me. FTC report attached. I WANT THESE INQUIRIES REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XX/XX/XXXX purchased {$870.00} bank check for the amount of {$10.00} to pay rent from XXXX Webster Bank. 
XX/XX/XXXX went to bank to inquire about check that landlord had not recieved. Was told it was not cashed and that i could stop payment and have check reissued for another fee. 
XX/XX/XXXX had funds to stop and reissue. Was informed that it had been deposited in a XXXX mobile bank account ... 
Reached out to landlord. Not him. Went to XXXX bank, they sent me to police department to fill out complaint and to bring back copy of police report. 12 more days later bring report. Nothing can be done fast forward. 
XX/XX/XXXX Spoke to staff at Webster bank in XXXX banking center XXXX. Per their assistance submitted ( AFFIDAVIT AND INDEMNITY AGREEMENT ) Called several times.. 
XX/XX/XXXX was informed after calling Webster customer service that my complaint was gone. Went to XXXX Branch that day. Filled out another form, supposedly the correct one ( LOSS AFFIDAVIT FOR CHECKS ). Also providing a letter to my landlord that they can not reissue another check until investigation is finalized. 
I have called weekly some times daily and often visited various locations to inquire too no avail, other then to learn that now a third bank ( XXXX XXXX ) is also involved.
Product: Checking or savings account

My checking account at M & T Bank showed an unauthorized international ATM charge for {$290.00} and an International Fee of {$8.00} dated XX/XX/XXXX. I did not authorize or make this ATM transaction. I did not give out my pin. I had my ATM card with me at all times. There is only 1 ATM card for this account. I submitted a Claim ( M & T claim # XXXX ), by phone, to M & T on XX/XX/XXXX stating all this. On XX/XX/XXXX M & T sent me a letter saying they denied my claim. Further, they stated : " The information and any documents we relied upon in connection with our investigation are available upon request. '' I have requested this information 5 times - 2 separate letters ( XX/XX/XXXX and XX/XX/XXXX ), 2 phone calls ( XX/XX/XXXX and XX/XX/XXXX ) and one interaction ( XX/XX/XXXX ) with Mr. XXXX XXXX, Senior Relationship Manager - XXXX, NY branch of M & T Bank. None of these 5 requests have resulted in any action by M & T. They have completely ignored my 5 requests. I can prove, with receipts during my travels on XX/XX/XXXX where I was. I need the bank to do one of two things : Either send me the evidence ( country,  city, address, local currency, time of ATM transaction ) OR admit they have no evidence and send me a check for {$290.00}. Please note that this fraudulent charge on XXXX/XXXX/XXXX is part of a continued hacking attack on my checking account. In total I have had 19 fraudulent attacks. M & T has honored all my claims of fraud with this one exception. Clearly my account was hacked. Clearly M & T knows this. I need the evidence from the XXXX/XXXX/XXXX ATM transaction. And, I have now pulled all the money out of this account and I have closed the account. End of statement.
Product: Debt collection

A notice was sent to me on XXXX by CBE GROUP ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). Original creditor XXXX XXXX XXXX date opened XXXX in collections amount of {$240.00}. Never owned or purchased anything from XXXX, not really sure what XXXX is. This is not my debt.
Product: Mortgage

My loan was serviced by XXXX and was apparently transferred to Roundpoint on XX/XX/2023 I mailed my XXXX mortgage payment to XXXX on XX/XX/2023 because XXXX had sent an XXXX billing statement and Roundpoint had not sent a billing statement. 

I have not yet received any written communication from Roundpoint. Neither an XXXX nor XXXX billing statement, nor even a welcome letter. 

I called Roundpoint on XX/XX/2023 because after going to their website, I noticed my contact phone number was empty but their web portal errored-out when I attempted to provide a phone number. 

The rep I spoke with asked me to make my XXXX payment because it hadn't been received yet. I declined and told her I already made my payment to XXXX. She insisted that I needed to make my XXXX payment. I responded that XXXX would forward my payment to them. She replied that XXXX was not forwarding any payments and if I didn't make a payment I could be assessed late fees. I replied that following any mortgage servicing transfer, payments can be made to the previous servicer for up to 60 days and, further, Roundpoint hasn't even sent a billing statement to me yet. She responded that she's quite familiar with the RESPA rule

s, there is no 60-day grace period, and she once again pressed me to make a payment right then over the phone. That summary doesn't capture the degree with which the rep talked over me, tried to pressure me to make an unnecessary payment, and attempted to mislead me that I was completely mistaken about the 60-days following a mortgage servicing transfer.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance with TransUnion 's refusal to permanently delete adverse accounts from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 605C. I am a survivor of human trafficking and, as per the protections extended to survivors, I am eligible for these adverse accounts to be permanently deleted.

Despite providing the necessary information to TransUnion, they have not acted upon my request to remove the accounts as required by law. I am seeking your help in ensuring that TransUnion complies with the provisions of FCRA 605C, so that these adverse accounts can be removed from my credit report permanently. 

Please find any additional documentation attached as needed.
Product: Credit reporting or other personal consumer reports

This is my final attempt to cure and remedy this matter before seeking further counsel in regards to my last complaint XXXX, which I am following up to. Extra has failed to supply me with authorization to share my non public information with non-affiliates. I have never signed an authorization for them to do so and all their responses are false and misleading. I was assured my non public information would not be shared with non affiliates. Otherwise, I have been mislead by Extra and its use of language and securities fraud. This company refuses to upload the authorization to share with non affiliates to the CFPB portal and operating with great deception. As a financial institution as defined under title 12 U.S Codes it had refused to respect my privacy and my rights and continues to violate me and respond partially to my complaints.