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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to access my information through Experian online their website directs me to call them. When i call them I am unable to actually speak to a customer service rep despite multiple calls.
Product: Money transfer, virtual currency, or money service

My account was wrongfully used numerous times from hackers! Took forever to get help but some money was not returned
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent credit dispute letters to XXXX, XXXX and Experian asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XX/XX/XXXX I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan that was closed by Exeter finance i was in jail and this finance company 's collection agency filed fraudulent judgements saying they served me but i was incarcerated and no one in my family ever heard from exeter finance nor collections agency. I sent demand letter to exeter finance collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

Beginning back in XXXX  my information was compromised in several attacks that occurred over a for year span between XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX which works on behalf of my XXXX coverage XXXX XXXX XXXX XXXX XXXX. As a result I am filling out this complaint as I am a XXXX veteran who was injured in the XXXX XXXX XXXX who had multiple issues with my personal data and secured information from banking, social security number, debit cards, emails, documents were exposed over several data breaches. I have notified said companies and credit bureaus with all documents to help assist me in this matter. Yet I have been targeted by debt collectors and companies who do not want to help yet they treat and talk to me with disrespect and treat me as if I am a criminal and furthermore they try to intimidate me into paying on accounts or even paying back money or items I never purchased or loans I never applied for. I have tried to be as helpful as possible this has caused several issues within my marriage my personal business life and a direct hit to my character reputation and my physical and mental health and which it has made things worse because it has been very difficult for me to get my restored. These attacks occurred during times were I was either dealing with a major XXXX or I was in the XXXXl and because of my health issues I was unable to notice this or I was not capable of contacting said companies. Due to my health issues and both mental & physical health I would not been able to physically or verbally consent to these accounts. I have been both verbally abused and accused of opening credit cards or applying for loans. I have contacted companies directly debt collectors and gotten police reports Identity theft reports locked my credit file and yet these companies keep insisting I am not providing enough evidence. I am on the verge of suing all companies and bureaus involved because all this did was push me further into XXXX and has made my XXXX  and XXXX become worse, I have even contemplated taking my life as this has ruined me and caused me to not even be able to get things for my family my wife and kids have suffered the most and that what hurts the most not being able to obtain the things I want and need for them. I wanted to move to a new state and purchase a new home but this is hindering my progress, my car notes and bank accounts have been closed and my cars are on the way of being repossessed because of the fraudulent activity has caused several returned check fees that total more than {$10000.00} between both vehicles.
Product: Debt collection

XXXX companies that are trying to collect debts for loans that are almost XXXX XXXX XXXX but they keep selling the loans/debts to other companies and they are updating the date each time saying the debt is new. They don't show the original date of the debts. Each company closed the debt yet sells it to another debt collector. I don't think this is fair.
Product: Debt collection

This is in regards to XXXX XXXX / XXXX XXXX XXXX. 
It is related to two accounts where I asked for proof of ownership and validation. 
I requested this information on two separate occasions Please see attached validation request letters dated XX/XX/2018, XX/XX/2018 and XX/XX/2018. 
Midland originally used XXXX XXXX and XXXX XXXX to contact me. I requested validation from them ( XX/XX/XXXX and XX/XX/XXXX ). I received a standard " non-specific '' response stating that they " are uncertain of what I was disputing ''. I clearly requested documentation from XXXX ( aka XXXX XXXX XXXX is who responded ). 
Again, on XX/XX/2018 I requested validation and requested very specific documentation for both accounts. Again, on XX/XX/XXXX ( by mail ) received the very same template response. 
I have attached all of these documents to this complaint. 
XXXX XXXX XXXX and XXXX XXXX has failed to send any valid documents to me to reflecting that they are the true creditor on these two accounts. I am requesting them to cancel the accounts and cease all collections. So far to my knowledge, they ( Midland ) has not reported any account to my consumer credit report.
Product: Mortgage

On XX/XX/2020 I sold my home in XXXX GA XXXX. I had money in an escrow account which should be refunded to me. On XXXX XXXX XX/XX/2020 I emailed The Money Source at XXXX  @ The Money Source .com regarding why I have not received my escrow money. There was no response. I also called The Money Source at XXXX three times but NEVER was able to speak with an agent. I was on hold approximately 45 + minutes before I got fed up and hung up.On XXXX XXXX I sent another email and called twice. Again, no response. On XX/XX/2020 I emailed The Money Source THREE times and called Three times. Again-NO response. 
On XX/XX/2020 I emailed The Money Source and again NO response. On XX/XX/XXXX @ XXXX cst I called The Money Source and finally reached an agent-XXXX. 
He told me that a check was sent on XX/XX/2020 in the amount of {$1200.00} and mailed to my current address. XXXX verified the address as being on file. I was told by XXXX a new check would be sent but it would take 7-10 business days. 
THIS IS UNACCEPTABLE. The Money Source completely ignored my previous attempts to contact them. They acknowledged receipt of the email but FAILED repeatedly to contact me to discuss or explain why my escrow money was delayed.. My money was being used by them preventing me from earning any interest on the escrow money. 
The customer service of The Money Source is PATHETIC. They are absolutely the WORST mortgage company I have ever encountered. You are unable to call them by telephone without ridiculously long wait times. They do not followup emails they receive despite their automated response telling you a customer service person will contact you within 24 hours. THAT NEVER HAPPENED. If I had been late with a mortgage payment I would have been penalized. The Money Source should be penalized for their failure to pay me my escrow money in a timely fashion.
Product: Credit card or prepaid card

I have received several threatening letters from this company Discover Card the latest dating XX/XX/22, which are threatening in nature to me because they use the word attorney without actually having anything scheduled or any court hearing scheduled. They did not sell my account to a debt collection agency and when called, customer service said this is just telling me what can happen next. I understand how debt collection works but using the word attorney before actually doing anything on the account is threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is on XXXXXXXX XXXX XXXX 
this company has closed my account. in XX/XX/2021 i tried calling to settle this debt with them but was informed that the debt was sold to a collection agency.my complaint is that they have not listed the debt collector 's information. they continue to report negative remarks on my credit report every month. 
they have listed this account as charged off as bad debt profit and loss write off. 
who is the company that now holds this debt? I've checked my credit report with all XXXX bureaus and there's no collection agency being listed. but on my credit report XXXX XXXX has it as its in collection .i am trying to repair my damaged credit and i can't do that if i don't know who the collection agency is
Product: Money transfer, virtual currency, or money service

This complaint is associated with initial complaint # XXXX with XXXX XXXX  XXXX regarding XXXX fraudulent Wire SCAM of {$42000.00} on XX/XX/year> to Discover XXXX XXXX XXXX XXXX, Florida XXXX XXXX  XXXX XXXX was immediately contacted of the fraudulent SCAM within an hour of the occurrance. Following weekly follow up with XXXX  XXXX XXXX as ot today they haven't be given any update from Discover Bank. The purpose of this new complaint to request assistance from cfpb to contact the XXXX XXXX for update regarding their investigation. See details of the incident below : I was called on XXXX, XX/XX/XXXX from an imposter from the XXXX  XXXX XXXX XXXX Department. They told me there were several unauthorized transactions, approximately {$100.00} with an apple store transaction and another one for a gas station for {$100.00} and a third for around {$100.00}. They told me about the transaction taking place in XXXX California and I told them I was unaware of those transactions. They told me to check on my app to check for any unusual activity and I found nothing. They then said since they couldnt see anything they asked me to check my balance and they requested I tell them my balance. I told them the balance and they told me they need to stop a transaction being made to XXXX XXXX, via wire transfer, in XXXX XXXX Florida. I told them to do it and they said they would walk me through the process on my phone through the XXXX  XXXX XXXX XXXX to stop the transaction immediately. They stated they were walking me through to stop the transaction immediately on my phone but instead, they were walking me through transferring the funds through a wire transfer to XXXX XXXX instead of helping me stop the transaction. I told them I saw {$42000.00} being taken out of my account and they told me they were doing it to get the money safely returned. They told me they would call me back tomorrow to confirm the stop and I told them to call me around XXXX in the morning, XX/XX/XXXX. I did get a call at the designated time but I was aware why I was being called back and requested his phone number and he didn't want to provide it and his name was XXXX XXXX. I had called XXXX  XXXX XXXX and told them what happened within minutes since my wife suggested it was a scam. I was told that I had not spoken to anyone from XXXX  XXXX XXXX XXXX Department and they would send over an electronic communication to Discover Bank in XXXX XXXX, Florida to stop the wire process immediately and investigate. Since then, I have not heard anything regarding those transactions and I have been calling them every day to get an update.
Product: Credit card

On XXXX XXXX, Synchrony Bank contacted me via phone to notify me of the due date of a payment. I assured them that I was willing to accept the late fees and would be making a manual payment online through their payment portal on XX/XX/XXXX of {$84.00}. The CSR asked if I would rather not make a payment over the phone that day and I assured the woman that I would complete the payment on XX/XX/XXXX for {$84.00}. I received a letter on XX/XX/XXXX that I had authorized an over-the-phone payment on XX/XX/XXXX and that I had to contact them three days prior ( XX/XX/XXXX, XXXX days before the notification ) if I wanted to stop payment. In addition, I had already made the online payment manually on XX/XX/XXXX as I confirmed with them. 

I called their customer service and they apologized for the error. I asked for them to either refund the wired amount or send a wire to my account for one of the {$84.00} payments to clear up the error. Both the CSR I spoke with and her supervisor assured me " the only option '' was a physical cut check. I asked them why they could not simply wire to a routing number, as this is something I routinely do at my job in accounting, and with multiple banks, and their only explanation was that it " was not an option. '' They eventually agreed to physically mail an expedited check ( for, again, an online payment made overnight, which they received ) which would arrive in 4-5 business days. I informed them that this still jeopardizes my finances as I had made it a priority to completely pay off the remaining balance. As they had the money and I did n't, and they would not budge or provide explanation, I was forced to accept this as the only resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. These inquiries were made fraudulently and without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Applicable Laws Violated : FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ) : A consumer reporting agency may only furnish a credit report for a permissible purpose. Hard inquiries require the consumer 's authorization.

FCRA Section 616 ( 15 U.S.C. 1681n ) : Willful noncompliance with the FCRA, such as reporting unauthorized inquiries, subjects the reporting entity to liability.

FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Consumers have the right to dispute inaccuracies in their credit reports, and the credit bureau must investigate the disputed items within 30 days.

FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Furnishers are prohibited from reporting inaccurate or incomplete information knowingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and DOB XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXXXXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$100.00} XXXX, XXXX XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$23000.00} CHAPTER XXXX BANKRPTCY DISMISSED XXXX {$0.00} XXXX   XXXX {$630.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$530.00} XXXX  XXXX   XXXX {$1300.00}
Product: Mortgage

My mortgage is with Loancare and I was affected by a hurricane and I was una disaster area and was in a hurricane monoturium with HUD after I was put in a modification trial and completed it and then was given the permanent modification all payments have been on time and no lates but the lender keeps putting me that I have late payments and has been destroying my credit that have gone back and fixed this issue already 2 times and now they did it once again I need this to stop happening and need to stop hoping and praying that someone does not mess up my credit every month
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the companies in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. Seeing Ive submitted my claim with Experian, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. FTC is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$510.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX