23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

I bank with Capital One. I get paid on fridays and my paycheck hasnt posted yet. Autodraft payments are declining. I called to speak with Capital One and they dont have an ETA of when it will be fixed. Other banks have posted funds from my company so its a bank issue and not my employer. I have bills to pay and groceries to buy. The agent says theres no ETA but they will cover late fees with proof. This still does not help me over the weekend. Agent also assured me that they are working around the clock to correct this. My fear is that they are going to stop work at XXXX and not come back to work until Tuesday due to the holiday weekend and what my family is going to do in the meantime.
Product: Checking or savings account

Got a return payment from a company because the original card form of payment I used wasnt available any more when I went to the back the teller discriminated against me and didnt want to give me my money when I called the bank they said my money was available and there was no issue they said it was the teller discretion then they called me a couple days later to close my account
Product: Debt collection

This is regarding the issue in complaint XXXX submitted XX/XX/21. 

At the time, they responded " XXXX XXXX, We have received your complaint and it is important to us. The CBE Group ( CBE ) submitted your complaint to our client and ceased collection activity on the account placed in our office for collection. Requests for deletion of our trade line have been submitted to the three major credit reporting repositories ( XXXX, XXXX, XXXX ). Sincerely, XXXX XXXX CBE Compliance ''. The complaint was then closed. 

However, I am still receiving communication from their debt collection agency, XXXX XXXX, as of today, XX/XX/21, via text message, meaning they did not cease collection activity.
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX 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: Mortgage

XXXX XXXX  sold my home mortgage to Shellpoint Mortgage Servicing, effective XX/XX/year>. Shellpoint Mortgage Servicing supervision by the FDIC and/or Bank Examiners XXXX Shellpoint Mortgage Servicing failed to set up new mortgage records and customer records BEFORE they were supposed to begin servicing on XX/XX/year>. This failure sets customers up for late fees and negative reports on my credit file because Shellpoint Mortgage Servicing is not accepting payments and does not recognize their own loan numbers. 


Background : XXXX. Per a letter from XXXX XXXX  dated XX/XX/year>, I used by bank 's bill pay to send a mortgage payment to Shellpoint Mortgage Servicing to arrive on XX/XX/XXXX. Shellpoint Mortgage Servicing returned the payment to my Bank. I called Shellpoint Mortgage Servicing and they said XXXXwe have not uploaded all of our information ' ... this phone call was on XX/XX/year> - XXXX calendar days following their self imposed XX/XX/XXXX due date when they said payments were due and the servicing had switched. 

XXXX. I received an email from Shellpoint Mortgage Servicing welcoming me today ( XX/XX/year> ). The email invited me to register at shellpoint.com. After a successful login I tried to 'find my loan ' using my last name, SSN and loan number provided on the XX/XX/XXXX letter from XXXX XXXX loan XXXX ). Shellpoint Mortgage Servicing could not find my mortgage.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I started to fix my credit. I noticed sometime in XX/XX/XXXX a derogatory remark was added to my credit report ; when I investigated who they are, it turns out it was for a account that was already paid 3 months prior to it being reported. I began the dispute process and to this day they have refused to remove it off my credit report. 

I began disputing this account with XXXX XXXX every month since XX/XX/XXXX but I have not received verification of any kind or acknowledgement of receipt of any dispute letters I have sent to them. They have completely ignored all of my requests. 

The originator is XXXX XXXX who services credit for XXXX XXXX. The account then was sold to XXXX and I made XXXX payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$77.00} with the last payment of {$77.00}, totaling {$930.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX ending acct # # # # # # # # # # # # # # XXXX, has violated my rights. amount : {$1100.00} Original creditor XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what equifax received. Maybe they arent familiar with XXXX or dont care about it but they are violating it nonetheless
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a fraudulent account XXXX {$270.00} on my credit files. I have filed a cfpb complaint against XXXX and uploaded the FTC Report # XXXX for their records. Also, attached is my license, utility bill, and ssn card to verify and process my block and delete request of this fraudulent account. There are fraudulent inquiries as well on XXXX  and XXXX  that are list in the FTC report. I have never had any business relationship with XXXX XXXX XXXX or the original creditor.
Product: Money transfer, virtual currency, or money service

Bank Of America at XXXX XXXX, in XXXX Florida received a wire from my bank on XXXX. The wire was executed based on fraudulent information provided to me from the deposit customer ( XXXX XXXX ) of Bank of America. The minute I figured out I had been scammed by the Bank of America wire recipient, I contact my bank to ask for the wire to be returned. Bank of America took 7 months to respond to my bank request, confirmed the beneficiary was still an active customer, and has since refused to cooperate in sharing information regarding their customer, customer relationship, or the wire or funds available to return the money to me. I informed the bank that one week before their customer opened an account at Bank of America, she had been arrested on credit card fraud charges in XXXX. 


Bank of America took until XXXX of 2016 ( 7 months ) to execute a hold harmless agreement and respond to my bank 's inquiry for account and account holder information. When Bank of America responded, they said the wire fraud perpetrator was still a customer of theirs but refused to return the money. They have since refused all contact with my bank. I have a police case filed in my home county and in XXXX. I have the BofA customer name, address, phone. But I am still out {$15000.00}. 

This wire scam included XXXX VERIFIED victims from XXXX XXXX to XXXX XXXX, 2016 with over {$520000.00} in known wire fraud amounts for these victims. I have names and address for a total of 82 persons who were ACTIVELY being victimized by the same wire fraud group called XXXX XXXX during the scam period. But the FBI and Police both had, and still have, zero interest in the case. Why? 

A XXXX Police booking sheet on the Bank of America customer, and an XXXX form, are attached to this XXXX  complaint.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. 

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation of the following information that appears on my XXXX, XXXX and Experian consumer report : Dispute 1 Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates associated with item being disputed : XX/XX/2017 Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX Explanation of Inaccuracy : This item XXXX XXXX XXXX XXXX is inaccurate because the balance is incorrect. It was brought to the attention of both the original creditor and collection agency on numerous occasions. They seldom respond to requests to investigate. They have failed to provide evidence of the original contract. This is a clear violation of consumer rights outlined in FDCPA. 

Enclosures Copy of credit report E-mail correspondence from XXXX XXXX acknowledging the incorrect balance 4 different final statements from XXXX XXXX XXXX of cancellation of pre-move out inspections to confirm accurate bill Evidence of no response to inquiries made to XXXX ( the collection agency )
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. Transunion, XXXX, and XXXX are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( s ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX , XXXX and XXXX XXXX XXXX, not XXXX, Transunion, or XXXX. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of 1974.

15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.
Product: Debt collection

I found out about a debt of over {$5000.00} that is supposedly due to a previous landlord on my credit report. I was never notified of this debt. I contacted the collection agency that is listed on my credit report which Hunter Warfield. I spoke to a representative and updated my address. I requested a validation notice to go out to my new address. That was over XXXX months ago and have not received anything. I also went on my old tenant portal and saw the astronomical charges they are claiming I owe, which are completely false. I am absolutely disputing this debt but I have not received anything from the debt collection agency nor have I been able to get a hold of them. These false charges are destroying my credit and causing me major hardship in trying to find proper housing for myself, my children and XXXX  mother.
Product: Credit card or prepaid card

I received an email to XXXX from Bank of America XXXX Reference Number XXXX. 

The email states, " We're sorry we can't approve your request for our XXXX XXXX XXXX XXXX. '' Facts : I did NOT apply for this credit card and want to make sure that nobody is applying under my name XXXX XXXX with last two of my SSN being XXXX
Product: Credit reporting or other personal consumer reports

To who this may concern, Hello I am filing this FTC Identity Theft Affidavit to report 17 separate fraudulent accounts along with 15 seperate INQUIRES appearing on my consumer FICO credit report which I do not recognize as reported and I did in any which way authorize opening these accounts nor give permission for credit checks, This is the result of identity theft and fraud. These fraudulent ACCOUNTS, consist of a personal credit, hospital bills, personal info. Starting with account at XXXX XXXX XXXX XXXXXX/XX/year>, under the account number XXXX XXXX XXXX an auto loan accounts opened at XXXX XXXX XXXX XXXX XXXX  under the account number XXXX XXXX XXXX, and a company called XXXX open on XXXX XXXX account number XXXX XXXX XXXX. The XXXX are the two different dates stated opened on my report, XXXX account number ( XXXX XXXX  opened on XXXX. XXXX are the dats stated opened on my report. XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is on my report twice under different company names, and finger-hut wrote me stating that the account is in my name and sold the account to another company so they don't own it and it is not mine, also the company they claim they sold it too, does not show up anywhere on any of my reports This other company this account is under is XXXX XXXX account number XXXX XXXX XXXX opened on XXXX. XXXX XXXX account number XXXX XXXX XXXX  opened on XXXX. XXXX XXXX account number XXXX XXXX XXXX  opened on XXXX. XXXX opened on XXXX. XXXX XXXX account number XXXX XXXX XXXX opened on XXXX. This account is duplicate on my report as well under XXXX  account number XXXX XXXX XXXX These XXXX accounts are under different names that are similar and different account number but same owed amounts. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is on my report twice under the same name and different account numbers opened on XXXX & XXXX. 

INQUIRES listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOther than this name and address, and phone number I stated in my disputes are invalid, inaccurate and not mine. Remove. The only name address and number I use is stated in my disputes and in my report filling with CFPB. Remove all that is not that stated in the next section and in attached documents.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) LVNV Funding LLC, account XXXX, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXXXXXX XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.