23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I requested verification of the following account that Equifax continues to report on my credit file : US Bankruptcy-XXXX # XXXX. Equifax listed XXXX, XXXX, GA XXXX as the source of their verification on XXXX. On XXXX I directly called XXXX at XXXX, the number that is listed on my report. I spoke with XXXX and she informed me that as of XXXX a security freeze was placed on my account. I have attached a copy of my security freeze confirmation letter that I received from XXXX showing the date of the confirmation. XXXX confirmed that the freeze was set into place as of XXXX. XXXX stated there is NO inquiry from Equifax showing on my XXXX or mode of verification from XXXX to Equifax showing on my XXXX credit file. XXXX also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XXXX. I demand that this public record US Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date. XXXX agents assured me that Equifax 's so-called verification on XXXX WAS NOT REPORTED BY THEM BECAUSE XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All that has been sent is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : US Bankruptcy-XXXX # XXXX is permanently deleted from my credit file because XXXX DID NOT disclose information on accounts with a security freeze placed on them. Please help!
Product: Credit reporting or other personal consumer reports

XXXX  XXXX for some reason is running my credit, a total of XXXX  times, i spoke with a representative last year about this same issue and she advised me to it would be deleted, here we go another year same issue
Product: Credit reporting, credit repair services, or other personal consumer reports

the medical collection was paid and settled in full, on XX/XX/2022 yet is still showing a balance owed on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have disputed with the credit bureau about this debt and have screenshots of the debt amount changing and the debt opened date changing as this debt was originally showing a date of XX/XX/XXXX and now showing a new date opened in XXXX. I feel this company is just trying to keep the debt on my credit report longer by using incorrect dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sentXX/XX/XXXX, XX/XX/XXXX and Transunion Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; XXXX XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at XXXX as well. 

Transunion XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion
Product: Credit card or prepaid card

On XX/XX/XXXX I went to check my credit summary on XXXX XXXX. Their was an alert on there at which point I went to check out. It seems that a new account was opened at XXXX XXXX XXXX in XXXX OH on XX/XX/2018. It was for a total of {$130.00}. I immediately went and sent the bank a registered letter that I did through XXXX XXXX. This was mailed on XX/XX/XXXX and I haven't heard one thing back.
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 U.S.C 1681. 

Account : XXXX XXXX XXXX  Account number : XXXX Date opened : XXXX, XXXX Account balance : {$6300.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Account Balance : {$3000.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California 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 : 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 items of information, other than the 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 an accurate.
Product: Mortgage

I was employed by XXXX XXXX XXXX. I closed four FHA loans and was supposed to be paid on XX/XX/. We received a letter on the XXXX XXXX that we were all to be let go by XXXX and they didn't have the money to meet payroll and we wouldn't get our final checks. On XX/XX/ we received another letter that stated we would be paid out our XXXXXXXX   payroll on XX/XX/XXXX  once again I never received my compensation. My comp plan is attached I should receive 1.5 % of the total loan amounts as I was the XXXX XXXX
Product: Debt collection

I pulled a copy of my credit report on XX/XX/2023 to make sure that my credit was in good shape before I applied for a loan and that's when I discover a collection agency by the name of Midland Credit Management has reported a past due account of {$790.00}. 

I have never received any communication from this collection agency stating that I owe them nor was I made aware of my rights to dispute. I contacted the credit bureau on XX/XX/2023 and all XXXX ( XXXX, XXXX, XXXX ) came back with " account verified ''. I also sent a debt validation letter to the collection agency ; to which they sent their first piece of communication to me, on XX/XX/2023, enclosed with what looks like copies of XXXX bills from a creditor. 

This agency is in violation of the FDCPA and I'm demanding that they remove this collection from my credit reports. 

According to U.S Code 15 U.S. Code 1692g, the collection agency was supposed to make attempts to contact me before they reported a collection to my credit report. They did not. I've only found out about the alleged debt, when I requested a copy of my credit report prior to submitting a loan application. 
This agency also failed to provide sufficient validation for this debt. Sending XXXX bills from a creditor does not constitute of complete validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans ( rocket mortgage ) are required BY LAW 'CARES ACT!!! TO REPORT THOSE WHO ARE ENTERED IN TO FORBEARANCE AS CURRENT TO CONTINUE TO REPORT THEM AS CURRENT! QUICKEN LOANS ARE NOT REPORTING COSTUMERS AS CURRENT THEY ARE ENTERING A CODE WHICH WHEN IS SUBMITTED TO CREDIT SHOWN AS 'ND '' NO DATA! THAT IS NOT LEGAL AND SHOULD BE LOOKED DEEPLY IN TO THE LAW STATES SPECIFIC CURRENT!
Product: Credit card

Yesterday I received a call from a XXXX XXXX, ID # XXXX, phone number ( XXXX ) XXXX with code XXXX. He stated that he was from the Consumer Credit Bureau. The phone number he called from was ( XXXX ) XXXX. He told me that my PayPal account along with my XXXX XXXX account were both RED FLAGGED. I asked him what that meant and he stated that since the pandemic companies have been charging too much in regards to interest. He said I had unfair balances and I should not have to pay on these two accounts. When I tried to XXXX his name and phone numbers, I came up with nothing. When I questioned his validity, he argued with me then hung up. He had the last 4 digits of my SS and the correct balances of these two accounts. A few hours after that call I received a text message on my phone from XXXX XXXX, Waring : Log in Attempts. My account looks secure at my end and the text was marked from a mailing list, however, I want to be sure.
Product: Credit card

In XXXX, I began receiving credit card statements for bill from Best Buy for nearly {$3000.00}. Around the same time, I received bills for AT & T for an account with cell number of area code XXXX. I did not open any of these accounts. I do not have this cell phone. This was all done in fraud. I filled out police report with XXXX XXXX Police Department. 

I filled out paperwork for AT & T fraud but have not heard back. I filled out an online form today. I have spoken with Best Buy multiple times regarding this and have been told that their report indicates that this is NOT fraud and that I owe the money on the account. I absolutely did NOT open a credit card with Best Buy, phone account with AT & T, or make a purchase of this account at Best Buy. My last purchase with Best Buy was last summer to my knowledge. I have not been in a Best Buy store since XXXX or XXXX XXXX XXXX. Best Buy Fraud department would not let me speak with whoever did the investigation. This is going to significantly negatively impact my credit score for accounts that I never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage off several years ago. Just recently I tried to obtain a HELOC for home improvements. I was denied because my credit shows I was late on several mortgage payments. I found out that the mortgage company didnt know I paid the mortgage off and thought I wasnt paying on the loan. They were in the process of changing mortgage companies. 
I have in the past, over 7 years, been late on that mortgage in order to get a lower rate. I was told to miss the payments and they could refinance if it showed I needed help with my payments. This was during the housing crisis. Stupidly I did that but was told it would never show upon my credit report. Now I owe nothing on this loan. It is paid in full but I can no get any home equity loan.
Product: Credit reporting or other personal consumer reports

In accordance with Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as Equifax and XXXX, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization. 

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that Equifax and XXXX are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by Equifax, XXXX, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.
Product: Checking or savings account

On Sunday XXXX XXXX I contacted chase bank regarding an email for accounts I did not have, I reported my identity was stolen and this is not me. They told me they closed and flagged all 5 accounts they found. Then Monday XXXX XXXX I received another email stating they mailed out a checking card. I again called and they refused to help me over the phone because i couldnt verify my own information. I again told them it is fraud I called the day before. They refused to help me. I went into a chase bank branch with my id begging for help. The lady told me she closed and locked the card,, she flagged everything and printed off the information for me to file a police report. I went to the police station filled my report same day. Then Wednesday XXXX XXXX I received another email stating my credit card is now over the limits. I called again to fraud, customer service where no one would help me. I attempted to go back into the branch and was told by the manger they cant help me because its 30 min before closing. I asked her to please look and see if the account is up, I came in on Monday it took the girl 5 min to pull it up and print the info and show me. She refused to help saying its so close to time. I dont know what else to do. Chase bank refuses to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

I received a 0 % credit card and attempted to use it. Now they have me set for fraud. They want me to send my social security, id, paystubs, and utility bill to an unsecured email address. BBVA has a secured messaging within their site and they said I can't use it. They also advised there is no case number assigned, etc. This is from their associate ID XXXX. The entire process has many red flags which compliance needs to review.
Product: Debt collection

I have determined that Southwest Credit or SWC, of XXXX, XXXX, has left repeated automatic recordings using two different phone numbers. XXXX and XXXX. The recordings ask for XXXX ( not my name ). I have dealt with scam debt collection agencies through CFPB before. When contacted by CFPB they claim they made a mistake and the employee responsible has been re-assigned and is being retrained. I do not owe any money to anyone or any agency anywhere. If I did they would send me a letter. I would appreciate CFPB contacting Southwest Credit in XXXX ( I live in XXXX ) and inform them that if they can not prove I owe a debt to cease and desist calling me and remove my phone number from their robo list. I am on several " Do Not Call '' lists but they do no good. My research shows SWC has over XXXX complaints against them. Is that worth shutting them down?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  C  onsolidated Recovery Systems    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide by th e FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in   XX/XX/XXXX     and the false information is still showing on my credit reports under the first  XXXX  names listed : Date   XX/XX/XXXX     Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX  RE : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c. Th e Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost all the information on my report don't belong to me
Product: Bank account or service

Comerica Bank refuses to reimburse me for fraudulent activities on my account during the time period of XXXX and XX/XX/XXXX. I am sending along official documentation of my incarceration at that time, which clearly states that I was in custody for a year during that period until my release on XX/XX/XXXX. Also included are the Social Security documentation of overpayment as well as the bank statement showing payments made to XXXX, XXXX XXXX, etc. This is a DirectExpress Mastercard through Comerica Bank onto which funds are directly deposited.
Product: Checking or savings account

On Friday, XX/XX/ 2024, I visited Frost Bank in XXXX, Texas, to open an account. I provided my XXXX license and a utility bill as proof of my XXXX address. However, XXXX XXXX, the bank representative assisting me, stated that her XXXX, XXXX, would not accept the utility bill due to a " shut off notice '' on the statement. I offered another statement from earlier in the month, which was refused. XXXX assured me that XXXX, who was at the XXXX XXXX, would call me on Monday, XX/XX/2024. I received no call. I followed up on Thursday, XX/XX/ 2024, but again, there was no response from the XXXX. This experience highlights Frost Bank 's unprofessionalism and discriminatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify XXXX % accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did not apply for or ever receive a XXXX XXXX credit card. this is a fraudulent account