23daVinci/CFPB_Complaints huggingface dataset:
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. 


FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/year> 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: Debt collection

I received a notice to attempt to collect a debt from some XXXX+ years ago in which I know I would have never gone without paying, however, I do not keep my bank records past that far to prove it. Dynamic Recovery Solutions response to that is " oh well '' this company says you owe them. 

How is it possible that a company can come to me after XXXX+ years and just say I owe them, when I have not received a single call or letter, statement, bill of any kind in all these years. Not too mention numerous occasions in which I have applied for credit and had credit reports pulled with no history of this " so called debt ''. 

I am supposed to just take their word for it and pay them??
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial Services is another creditor reporting inaccurate credit information. I had a scam against my credit card which put me over my limit. I paid the credit card bill as normal not knowing the creditor had increased my payment to cover the over the limit fee. The creditor accepted the payment for two months without notifying me what had happened. The money was recovered, but I was still held to not paying the over the limit even though I continued to make my monthly payments. I had never been past due before. I really feel I was treated unfairly. This was during Covid, and I realized many companies were understaffed. However, I dont think I should have this report against my credit without even notifying me until two months later. I have disputed the matter a couple of times, but I did not receive a response. The creditor put me in hardship per my request, and I continued to make payment less than I was making prior to this. However, they kept reporting that I was not making payment even though I was making the payment and they were accepting the payments. I also thought I read that a dispute response is supposed to be in writing. This account has been closed by creditior and I would like to OPT OUT of it being reported on my credit report. ( Please see attachment bottom of second page )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with Transunion on multiple occasions. I have requested that they validate this debt on my credit file. I have sent 3 different dispute rounds and havent received any proper treatment. I have tried to reach out to creditor and they were not able to provide any proof therefore the debt can not be on my credit report. In addition the account balance are mismatched between the different account posing a second error on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think this is now my second or third request. They keep locking my online account so I can not view anything. I did call once, and they indicated there was an old email address on file, I said yes, XXXX @ XXXX that is an email not in use any longer, then they re-activated my online account, but low and behold I go to log in again, and get the same error message to call them, l call, they ask 20 questions then say I have to mail something, I feel this is harassment because I have filed complaints against them for unfair reporting, they are reporting my credit as poor, and I have stellar payment records. 
I originally had a paid account and couldnt access it, so I cancelled that, now I can not log in at all. I want my information reset, I am sick of this you are the only company who keeps locking me out of my account what is your problem really??? 
What a XXXX
Product: Credit reporting or other personal consumer reports

On or about XXXX requested a rate for auto insurance policy was told that at this time we're not able to provide the insurance you requested. The reason for for there decision was like many other inclcompanies, when we considered you eligibility for coverage we reviewed consumer report imformation. We believe its important that you know how we used this imformation and how it played a role in our decision. Please note that our decision also was based at least partially on imformation we obtained from following consumer reporting ageny ( ies } Verisk Analytics in making our decision, we also reviewed other information - including some that you p [ rovided to us such as home location and construction, car make and model and where its kept. I found this is strange because in the 10 yrs i was a XXXX coustomer for auto Insurance with no claims file with XXXX  or any other auto insurance company and with a credit of over XXXX there should be no problems. i was stated other quotes from other insurance companies with no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX  - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected! This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrect information I did not have two late and I only owe them {$300.00} and also Cabelas is not reporting correctly the amount that I owe and I have not been late with them either and XXXX  credit is also not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months, I have been tirelessly fighting to remove fraud accounts from my credit report. This false reporting has been causing me a great deal of hardship in my life. Thankfully companies like XXXX and XXXX have taken a course of action that shows they've done a thorough investigation into this serious matter. Please see to it that Transunion provides proper legal credit verification to these accounts that weren't authorized by myself or anyone I know! Transunion has been providing the same responses stating that these fraudulent accounts are verified without legal proof for these fictitious transactions that were done in my name.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XXXX XXXX, 2023 to remove personal information that I don't want on my credit report. According to the fair credit act 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial Institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of id
entit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

Bank of America XXXX edd card let someone transfer all my funds out of my card via a XXXX party bank and they have not yet to return my money. I also made a police report so they can get involved. My name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!
Product: Mortgage

Started a VA refinance with VA Rates on XX/XX/2020. Current loan with Flag Star  Bank. Each time a payoff was requested for the loan, our loan was put on hold. The payoff was good for 14 days. The new bank wanted to include the real estate tax in the loan, as this was a new build. Flagstar bank would not release any information. Pay off was requested 6 times, which I was charged {$30.00} each time. Our taxes were not paid on XX/XX/XXXX as I was told today loan was still on hold. I need to release the hold on the loan which no one informed me of this. Now I have to pay an additional {$45.00} on my taxes to be paid by XX/XX/XXXX. I have canceled the refinance and will be loosing our interest rate which was 3.75 % to 2.25 % more money.
Product: Mortgage

I entered into a forbearance with Flagstar bank early in 2021 due to XXXX and loss of income during pandemic. My forbearance was scheduled to end XX/XX/XXXX. I started trying to work with Flagstar and establish a plan to get caught up in advance in XXXX. I filled out a loss mitigation application that was denied. XXXX XXXX I was told I was being submitted for a streamline modification which did not require an application that would take about 4 weeks. I called constantly to follow up spoke to many representatives who all gave me different and misleading information. This has now been going on for 2 months and my forbearance has ended. I am still calling constantly for resolution to not avail. I am now being told My loan doesnt qualify for a streamline modification based on the loan type after waiting 2 months. Additionally I have now recieved a notice of intent to accelerate my loan which the agents on the phone told me was sent in error. At this point I dont know where to turn or what to believe or who to trust. I want to retain my property and I have not been offered any options besides paying a lump sum of money that I dont have. I have pleaded on every available contact method that I can find and still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$240.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

2. XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.
Product: Debt collection

I do not know these people who they are or what they want. My debts are all paid or on time and the one which someone ran up without my permisssion and i decided to settle it. It had has been settled byXXXX as of XXXX 2023. I have gotten a phone call that I answered and they wanted a relative ( niece ) who I do not have contact with. I have no outstanding debts that are late or any negative debts.
Product: Debt collection

The company involved is XXXX XXXX XXXX. We used them for cooler and water supply from XXXX, for XXXX business locations : XXXX in XXXX, CA and XXXX in XXXX. I canceled the services altogether in XX/XX/XXXX due to fraudulent billing. I had all my account in XXXX, yet they sent me to Collections with Collections Bureau of America for a debt owed from an account that I was unaware of and did not authorize. 
They also charged me for extra services on my authorized account without my knowledge until recent ( eg. a dulpicate cooler rental for many months ). I spoke with a rep to close the account and asked for credit for the dulpicate cooler charges. They told me it will be credited to my last statement and that they will send the credit back to my credit card. 
However, on top of the disputed duplicate account charges of {$360.00} from the collections agency, XXXX is now billing me continued cooler rental amounting to {$43.00} as of XX/XX/XXXX. 
XXXX repeated attempts to clear this bill, the collections agency as well as XXXX, refuse to drop the unauthorized charges on my account ( XXXX ). 
The collection company has itemized charges for coffee service equipment and water filtration unit which are NOT the services we used XXXX for. We used them for water jug delivery and hot/cool water dispenser rental. 

Here are the accounts in question : XXXX. Account # XXXX ( official account in autopay until XX/XX/XXXX prior to closure ) XXXX. Account # XXXX ( unauthorized account under collection ) with a debt of {$360.00} as of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX/XXXX  that display on all three of my credit reports. They are both unverified and not validated but yet they remain on XXXX, XXXX, and Experian. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY. I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day XXXX, Experian, and XXXX have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file. 
Please remove the following accounts from my credit report : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Default and Opportunity to Cure To whom it may concern This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 

I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that SELF FINANCIAL use against Consumers like myself. 

The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Money transfer, virtual currency, or money service

We received an email from what appeared to be a trusted vendor of ours. The email declared that the vendor was changing bank accounts. In subsequent email exchanges we got the new account number and wired ( ACH ) our payment of {$2900.00}. One week later we learned from the vendor that they did not have a new bank account.

Upon review of the email we received, we realized that the email account we had been communicating with was the exact same as the one we had used in the past, except the last letter was missing. It was not .com it was .co in other words, we had been cleverly tricked.

The bank account information the fraudster used was an account with Chase bank and the ACH was also sent from a Chase bank. 

We contacted Chase, but they told us there was nothing they could do without involvement of law enforcement. That did not seem right to us. All Chase Bank had to do was to reach out to the other account holder and tell them they had a disputed transfer to their account. It should be easy for them, it is the same bank!
Product: Debt collection

I contacted TRANSUNION on numerous occassions about these fraudulent accounts on my credit report. I have attached a dispute letter with the accounts and inquiries I want removed, an FTC Report, and an affidavit of truth. This is aggravated identity theft and defamation of character. I would also like to know what method of verification and validation is used. Can you show any consumer contracts bearing my signature witnessed by my hand?