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

An account shows on my credit report, along with late payments, charge-offs, and other negative score related activity, that is all the result of identity theft and fraud. The account has damaged my score and cause tens of thousands of dollars now in increased fees and rates. I have repeated provided proof and requests to Equifax and XXXX to remove this fraudulent account, but they have not. Even though within days XXXX found clear evidence that it was fraud and did remove the account. The Equifax and XXXX companies have violated the FCRA and caused financial damage, and must be held liable. 
The FTC has an identity theft report and has agreed with the findings. The Federal Reserve has confirmed the details and believe this account is the result of fraud. Multiple collections agencies have been sent this information, and they all have found no evidence the account belongs to me, they have removed their collections efforts and have requested the credit reporting agencies to remove the incorrect and fraudulent account. Yet Equifax and XXXX continue this violation. There are also emails from the legal department of the credit company that agree that this account is not mine and should have no negative reporting connected to my credit report. 
At this point, I suspect XXXX XXXX or other prominent individuals at the company to be involved with this continued fraud, and should also be held liable. 
The account for XXXX / XXXX needs to be immediately removed from my credit report and remove any and all negative remarks and scores. There has been ZERO evidence provided that this account belongs to me, and is clear that fraud and identity theft has used my information for this.
Product: Credit reporting or other personal consumer reports

I have 11 out of 12 Hard inquiries that I have never signed any paper for.

Someone has used my social security to apply for these inquiries.

under FCRA I asked for the necessary information to prove that I I have signed paperwork with that company and theyve never responded.
Product: Debt collection

Credit collection services is reporting a collection on my credit report. It is showing under XXXX XXXX. I have requested validation several times, with no response. The account is inaccurate and a result of identity theft.
Product: Debt collection

I received a call from my mother this morning stating that she had received a call on HER cell phone from a woman asking for me. 

My mother advised me that when she answered her phone from the number XXXX showing a name of XXXX XXXX, she assumed it was a normal call. However, when the woman on the other end asked for me, my mother never provided her a name and asked who was calling. 

The woman on the other end stated her name and then told her she was calling from Capio Partners and told her that the call was an attempt to collect a debt and so on and so forth.

My mother immediately stopped her and advised her that she never told her who she was and that she was releasing personal information on someone else 's account that was not her own which is AGAINST The law! The woman on the other end of the phone said that it is not and she can provide the information. 

My mother then told her that she previously worked for a debt collection company and she knows for a fact that she CAN NOT provide her the mini XXXX and advised that she is calling about a debt if it has not been confirmed that she is not speaking with the debtor. The woman then became combative and would not disconnect the call. My mother then let her know that she will be filing a complaint. 

This creditor violated my personal rights! If that call would have been answered by someone else A STRANGER even, my personal information would be someone else 's knowledge! this agency needs to take accountability for their agents mistake! 

I am well aware of my rights and I want to request that Capio Partners pay me the fine amount due for releasing my personal details. 

Please review and ensure that I am compensated appropriately!
Product: Credit reporting or other personal consumer reports

My privacy rights have been violated. Banking terms signed state my right to privacy and further state that the company does not share information with third party. Yet every month for the past XXXX  years, the XXXX XXXX XXXX  has shared my loan transaction and account balance information with XXXX XXXX XXXX XXXX XXXX. This is a blatant violation of the banks own terms. It is the fiduciuary responsibility to keep my information private, and nit my information has been subject to various data breaches.
Product: Mortgage

Applied for a mortgage though amerisave. Was preapproved {$250000.00}. Property we purchased was XXXX. Got a week from close was denied with no further explination. Amerisave has a XXXX closing garrentee refund. Applied for that refund. Days later I was called with a conditional approval requiring me to bring an additional {$25000.00} to close. Talked to everyone from sales rep to management. And was given a work around from the very start. After talking to management they pretty much told me to get a lawer if I wanted the refund that bad. Basically saying to me that do this work around all the time and there is no way ill get that refund. Very Disgusting way of doing buisness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 90 DAYS ago, I initiated a dispute to Equifax, to investigate the ACCURACY of ALL information in the closed XXXX XXXX/XXXX Charge Account reported on my Equifax Credit Report ( See Attachment-3 pages ). I HAVE NOT RECEIVED a reply from Equifax concerning this dispute ; In fact, this disputed XXXX   XXXX/XXXX Charge Account still shows Consumer disputes-reinvestigation in progress on my Equifax Credit Report ( Refer to page 2 of Attachment ).
Product: Checking or savings account

I closed the account and the pay XXXX dollar check. They reported false information on chex system and need removed.
Product: Credit reporting or other personal consumer reports

My credit was compromised and multiple inquiries were made on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Carmax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 confidntiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  / XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states i have 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 containing any of the following items of information, any other adverse item of information, other than records of conviction 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 reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I purchased XXXX Vanilla Visa Gift which are serviced by InComm Financial Services, each with {$500.00} on them. When I went to use the cards they did not work. When I went to check the balance, there was {$0.00} on each of them with dozens of XXXX transactions that I did not make which had drained the cards. The cards which were sold to me were clearly compromised, as I had just opened them and the money was already gone. InComm sold me {$2000.00} of fraudulent cards. For all I know, someone at InComm stole my money because they have provided zero information. They told me to file a dispute and sent me documents to sign, which I did. The disputes were filed XXXX XXXX, XXXX  days ago. I have called several times inquiring as to the status and they provide no information. 

The {$2000.00} that they have taken from me is needed to pay bills but they will not provide any information as to the status or if/when I will receive the money that I paid for. InComm lost and/or stole their money and it is their responsibility to return it within a reasonable timeframe, not 46+ days. 

The dispute numbers are : XXXX XXXX XXXX XXXX
Product: Debt collection

Debt recovery solutions is trying to collect on an alleged debt that is past the Texas Statue of Limitations of 4 years. The debt is too old to be harassed for. The date of Service on the letter is XX/XX/2016. I have been receiving harassing calls and voicemails.
Product: Credit reporting or other personal consumer reports

XXXX is trying to wrongfully force me to pay for a debt thats not mine. They removed it after they couldnt verify the debt but its still Showing under certain credit reports
Product: Checking or savings account

On XXXX XXXX I deposited a check into my Bank of America mobile checking account and was told that my funds would be available on XX/XX/2023 by XXXX. On XXXX XXXX my available balance reflected that the check had cleared and when I went to the bank to withdraw the funds, the teller told me that I could NOT withdraw my money. She couldnt give me any information and the only thing the bank manager could do was give me a phone number for the Bank of America fraud department. When I called the number that agent told me that there was a 48 hour freeze on my account and there was nothing that I could do about it or the bank could do about it. It has been over a week and not one person at Bank of America can give me a reason or an explanation as to why my account is frozen and the bank wont allow me access to my money!!! I cant pay my rent, I cant go grocery shopping, my life has come to a complete stop because someone at Bank of America decided that because I forgot my mobile banking password, it constituted suspicious activity and has temporarily destroyed my life!!!
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a complaint against Blockchain.com , Inc. XXXX XXXX XXXX XXXX XXXX XXXX 

The issue at hand is related to my accounts XXXX, which were registered in XXXX. According to the policy at that time, the passwords for these accounts can be recovered if the login password is forgotten. 

However, I am confused as to why the passwords can not be recovered at this time, and I have never received any notification from Blockchain.com informing me of any changes in the password recovery policy. 

I strongly request that my passwords be recovered! As a long-term user, my accounts are very important to me because they are directly related to the evidence requested in ( COMPLAINT ID XXXX ), and I need information on the remittances of Bitcoins sent from these accounts at that time.

I need to regain access. I implore the CFPB to investigate this matter and take appropriate action. If any additional information is required, Please provide me with the necessary steps and I will cooperate by providing the requested information. I would appreciate your prompt response and help in resolving this matter.

I look forward to the CFPB 's attention to this complaint and a positive response. Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Select Portfolio Servicing, XXXX  XXXX XXXX XXXX XXXX is committing Mortgage, Deed, Assignment of Mortgage, Bank And Securities Mortgage Foreclosure Fraud by obtaining a Default Foreclosure Judgement on XX/XX/XXXX. XXXX in XXXX Court of Common Pleas instead of providing Consumer Relief per sanction given on XX/XX/XXXX by the Department of Justice. Im currently in Pa XXXX XXXX XXXX XXXX on a Appeal
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX is attempting to collect a debt not owed to there company. I did not sign anything to release my medical records
Product: Credit reporting or other personal consumer reports

TransUnion Fraud Victim Assistance XXXX 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 XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file ; as per FCRA guidelines subsection 605b. Please see a NEW FTC Identity Theft Affidavit, as well as my FBI XXXX  police report. 

Accounts : XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints several times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hope you are going to take steps this time. Experian has not been acting in accordance with the Fair Credit Reporting Act ( FCRA ). under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please see the accounts are corrected at once. 

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

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a XXXX XXXX name XXXX and XXXX and XXXX from the XXXX XXXX  I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Bank account or service

Suntrust Bank has duplicate reports, reflecting negative history. 
XXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status. 
Mortgage hard inquiry most recent not authorized to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent request to Experian,  XXXX , and  XXXX  regarding reporting of a Chapter  XXXX  on my credit file. I received a letter from bankruptcy court stating they do not send information to credit bureaus. The  XXXX  major bureau sent me notification stating they received reporting on the account from  XXXX   XXXX . This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from  XXXX   XXXX . It specifically states this was reported b y Bankrupty Court. I  sent the  XXXX  major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about :XX/XX/XXXX
Product: Vehicle loan or lease

I had purchased a vehicle from CNAC JD BYRIDER located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The contract was for me to pay biweekly on the car loan which was to call in and make a payment on the scheduled date. If I'm late they would also call me for a reminder to make a payment. I started to notices transactions I wasn't making on my credit card around XX/XX/2020 so I contacted XXXX  XXXX XXXX and informed them and they offered to cancel the card, send a new one and refund me for the purchases that I didn't make. A few weeks past and it happens again, a purchase made on my card that I didn't make, I contact XXXX  XXXX XXXX and they will send me to there claim department and I would have to wait on there phone line for HOURS to reach an agent and no one would answer the phone line. I have been trying to reach them for weeks regarding these purchases and still NOTHING. I had canceled my card and got a new one and random purchase would still continue to happen on my account. I canceled my card about 5 different times. I have not been able to reach the XXXX  XXXX XXXX claim department after the agent would verify my account. I got so angry and fed up I seek out to try to find the person who was responsible for these random purchases. SO I started to contact the stores these purchases were being made at. They gave me the name of a person that works for CNAC JD BYRIDER. This is the same person who has been taking my car payment over the phone. I quickly filled out a police report on their employee and CNAC because I trusted JD BYRIDER with all my personal information. This person called me and told me her information was hacked by someone in her family and they somehow got my personal information which is completely unbelievable because I thought I was doing business with only CNAC JD Byrider. After finding out my personal information was so exposed to anyone to get ahold of I started to reach out for help. I really want to stop doing business with CNAC because I'm super afraid of who has my personal information now, I would like to return the vehicle and receive a refund because this has destroyed my confidence and trust of knowing my information would be safe. They had put me in so much debt and trouble by me having to invest so much time in trying to get help and still XXXX  XXXX  XXXX have not refunded me. CNAC and their employee have stolen {$3800.00} of unauthorized purchases made on my XXXX  XXXX XXXX CREDIT CARD.
Product: Debt collection

They are damaging me on credit reports and I don't even know who they are. They say they bought the debt on the report so it's so old it shouldn't be on my report. I've gotten XXXX  XXXX for XXXX and people like this keep damaging the credit I'm working to repair to quit being homeless and couch surfing