23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX  at XXXX XXXX. I spoke to XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX. I was inquiring about a refinance on a property in XXXX, Arizona. I explained that I did not want this to affect my FICA score so I did not want a Hard Inquiry. He responded that he understood, we had a pleasant conversation I explained I was looking for some options with high equity and low income. He said he was winding up the night and would continue this tomorrow on Friday XX/XX/XXXX he said he would call me first thing at XXXX. I never heard from Mr . XXXX again. Instead, I received an email on Saturday XX/XX/XXXX that stated they could sweeten the deal and I've been speaking to Mr . XXXX but haven't applied for a loan yet ( attached ). During this period, I received a warning that i had a hard inquiry and my FICA score has decreased significantly. On Monday XX/XX/ I received a text which was very unprofessional stating he was XXXX from XXXX XXXX XXXX XXXX. At this point with my FICA effected and now this text I was concerned my Social Security and other private information was being used illegally. I responded to XXXX that I wanted he last name, telephone number and extension. I received a text on Tuesday at XXXX XXXX with the information I requested. ( attached ). I also received an email from him ( XXXX XXXX XXXX XXXX NMLS  XXXX  XXXX at XXXX stating my loan was reviewed and unable to offer funding. ( attached ) ALL THIS AND I NEVER AUTHORIZED. I was finally able to talk to XXXX via telephone and explained my situation and understood he is handling this currently, he offered no explanation what was happening with Mr . XXXX and why this all started without my authorization, in fact two days after I spoke to Mr . XXXX I received an email stating no loan has been started, then three days later I received a letter from him stating loan application was not able to fund do to non activity. He had no explanation why I received this letter and told me that the letter was automatically generated because of inactive account. All this happened from Thursday XXXX XXXX to Tuesday XX/XX/XXXX early morning.
Product: Credit reporting or other personal consumer reports

I sent police report and identity theft to both ( Experian and XXXX ) about XXXX accounts open fraudulently under my name. Sent a validation letter to the Creditor XXXX but never responded, by FCRA creditors and bureaus have 30 days no respond but they did not ; at the same time sent letter to Experian and they responded late as well 35 days that accounts are accurate. Thats not violation of FCRA? Why the creditor responded back to the bureau but not to the consumer? It doesnt make sense. Finally the Creditor XXXX reached back to me on XX/XX/XXXX asking for an additional affidavit about these issues which I still replied and sent and they told me that 30 days will be need it for an investigation but they will report the results back to me.On XX/XX/XXXX received email from creditor that within 3 to 5  days they will have a resolution but those days went by and the 30 days as well but not resolution or reporting any results back to me. Yesterday, XX/XX/XXXX once again more than 32 days later I decided to send an email asking about the results of the investigation or at least an update ; finally I received an automatic non reply email that my case was resolved but with not options or information about the outcome of the investigation. How you can possibly do that to hard working people? All I want is to removed these fraudulent accounts from my report but this company not willing to communicate. The sad part is that Experian keep saying that those accounts are accurate but how do they know? I cant even get an email from them so how dare you to continue reporting incorrect, inaccurate and misleading information on my report. I have the evidence that support my argument and they know it but continue to ignored these issues.
Product: Debt collection

Notice and Demand to Cease and Desist ALL Collection Activities Prior to Validation of Purported Debt. My identity has been stolen, you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. 

Privity of contract : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties. Defamation of character, violation of Fair Credit Reporting Act ( CFRA ), CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, intentional act of fraud and GROSS MISREPRESENTATION. Misrepresentation of a material fact. Fraud, deliberate concealment of material information, fraud is a felony. XXXX XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES! 

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a consumer claim regarding the unauthorized access and misuse of my student loan debt information by XXXX, its CEO XXXX XXXX, and his affiliated entities. According to multiple online sources, including news articles and blogs, XXXX and its representatives have illegally obtained sensitive financial and personal information belonging to millions of individuals, including myself. This breach constitutes a violation of federal privacy laws, including 18 U.S.C. 1028, which explicitly prohibits the unauthorized use or transfer of another person 's identification. 

Details of the Breach & Violation of Privacy Rights Reports indicate that XXXX XXXX 's cloud data center, along with his network of companies, unlawfully accessed Treasury Department payment systems that store highly sensitive consumer data. These systems contain personal identifiers such as : Bank account numbers Social Security numbers Credit card details Date and location of birth Physical and electronic mailing addresses Personal cell phone numbers Bank routing numbers Household income, assets, and liabilities Employer contact information Drivers license numbers Usernames and passwords The Attorney Generals Office recently announced that the Treasury Department has temporarily blocked additional members of XXXX from accessing its payment systems in response to a lawsuit filed by union groups. This lawsuit alleges that millions of Americans ' financial and personal data have been compromised and misused, further confirming my concerns about the security and legality of this breach. 

My Status as a Victim As a result of this unlawful access, I am now a victim of identity theft, with my financial privacy compromised without my consent. The exposure of my personal data not only violates my rights but also increases my risk of financial fraud, unauthorized transactions, and further misuse of my identity.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX states this account was closed on XX/XX/XXXX. It's state 's last payment was XX/XX/XXXX. There were no payments made since XXXX. This should already be off my credit report due to the 7yr retention. This is a charge off. By stating a payment was made pushes my 7yr retention back to XXXX. This information is wrong and should be deleted from my credit report. I have the same problem with XXXX XXXX XXXX  these two account had no payments during the same period due to financial hardship. But both state 's they got on time payments in XXXX thru XXXX which is inaccurate both should already be off my credit report. It's keeping me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit reports I notices some accounts that did not look familiar and that I was unaware of. I am first asking that you properly verify these accounts and send the original contracts, present signatures, dates, and documentation of when these accounts were opened. I believe that my rights have been violated according to the Fair Credit Reporting Act. because I disputed some of these accounts a while ago and when I pulled my credit recently I noticed that these accounts are still existing. The accounts that are included are the XXXX Co XXXX which is child support. It states that this account was opened back in XXXX and XXXX. I am asking for all information on this account that exist on my credit report. I need to know who opened this claim of child support and for what children was this support for. There are three different child support account altogether. Please do a thorough investigation on these accounts in which I am not aware of these currently closed accounts. If no verification can be established I am asking that these closed accounts be deleted permanently from my credit reports. 

There are collection accounts that also exist as well. The first account is XXXX XXXX which the original creditor is XXXX XXXX XXXX XXXX This account is stating that the open date was XXXX. Another account is XXXX XXXX, XXXX XXXX  adjust which the original creditor is The XXXX XXXX XXXX, and last Online Information which XXXX XXXX is the original creditor. I am asking that all contracts and or promissory notes, all documentation pertaining to these accounts that has my personal information attached to it. 

I also noticed that there are inquiries that should not be listed on my credit reports because I did not request any new credit. The inquiries include XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 

Per the Consumer Law 15 USC Section 1681c <f> Indication of dispute by consumer also there should be a prompt notice of dispute to furnisher of information per Consumer Law 1681i 2 <a> and <b> Provision of other information -that the consumer reporting agency shall promptly provide to the person who provided the information in dispute all revenant information regarding the dispute that is received by the agency from the consumer or reseller after the period referred to in subparagraph <a> and before the end of the period referred to in paragraph 1<aXXXX. 

Please update on all credit reports as well that name should be XXXX XXXX XXXX XXXX only Address should reflect as XXXX XXXX XXXX XXXX XXXX XXXX XXXX only there should be no listed employers Again please review and investigate in detail all accounts in question. 

With kind regards XXXX XXXX XXXX
Product: Debt collection

Medical care should have been covered by state provided medical insurance at the time. XXXX Hospital has also been involved recently in a settlement for a class action suit which I have received notification which may include this billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list lif accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 take any consumer reporting 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have two ( 2 ) debt amounts of {$320.00} and {$310.00} from Portfolio Recovery whom they have stated I owe Portfolio Recovery. After speaking with a representative from Portfolio Recovery asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Portfolio Recovery, absolutely nothing has been sent to me. However, according to my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX credit reports, they will remove the accounts and place them back on my credit reports. This has caused a tremendous effect on my credit scores and how lenders look at my creditworthiness. 

I have repeatedly sent letters to the Portfolio Recovery asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Portfolio Recovery and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Portfolio Recovery can furnish to me.
Product: Debt collection

XXXX XXXX asked for debt to validated four times by XXXX. one time debt was removed by XXXX XXXX because not accurate. They then waited and put back on here. I have asked all calls and letters cease they continue to put wrong information on credit report. 
XXXX XXXX paid asked for this to be removed not stil by company or XXXX XXXX asked for validation nothing. 
XXXX, XXXX and XXXX continue to put wrong information on credit report when you do a dispute they are doing it.
Product: Credit card or prepaid card

I am attaching the issues I have with the Comenity Wayfair card. I have not used this card since last XXXX. Online they are charging me XXXX if I pay online at XXXX PST time which I live in PST on date due. Also my first ever late pay with them I was 3 days late due to my child being in hospital they did not waive at a one time request and still then increased late fee to XXXX without notice. So they take my payment and I have no one to call on the phone when paying at XXXX or XXXX XXXX PST time on due date they should absolutely not be charging me XXXX it is excessive and abusive fee. so now they have charged me XXXX in fees and I still owe them XXXX. My balance in XX/XX/2020 was XXXX. Since then I have paid them XXXX yet my balance is XXXX. This is ridiculous. Most companies work with you and would waive especially same day and continues to pay monthly. I have never paid them more than 3 days late when child was in hospital. And they have treated me like a criminal for paying same day but at XXXX or XXXX PST. This company is the absolute worst. During Covid if there was ever an issue with any CC or paying a day late they waived fees or were super considerate AS I have never been over 30 DAYS EVER AND COMENITY IS AWFUL. Their twitter is full of their abusive fees and horrible customer service. I have never seen such a horrible credit company ever
Product: Debt collection

I have asked XXXX XXXX since XX/XX/2015 to provide written proof of the alleged debt, and I to this day have never received any correspondence.
Product: Checking or savings account

On XXXX XXXX XXXX, I called Wells Fargo and asked about six ( 6 ) CD that my mother had put into the bank they purchased XXXX XXXX XXXX XXXX They told me that they had send all unclaimed funds to the State of AZ. I called the state and they said they had no recorded of receiving the CD and to call the lost funds or unclaimed documents of Wells Fargo. 
On XXXX XXXX XXXX I sent an email with the POA and copies of the CD as well as a COD of my mothers mother asking them to find the funds and release them or to give me the amount, date, they sent the funds to the state of AZ. Then I followed up with another call and spoke with yet another person who stated they did not have any recorded of my sending an email so I resent the email on XXXX XXXX and not only did I receive a email response but I got a call that they had received my email and had forwarded it to research /legal. was to give them five business days to find the information. XXXX XXXX XXXX, XXXX, I called as another attempt to follow up and they said they had no record of the first two emails and could I send it again. I will attach all documents I send so they will be attached to this complaint. Again they are giving me the run around and I believe they are trying to keep my mother funds.
Product: Debt collection

My deficiency debt from Carmax was assigned to a debt collection agency, XXXX XXXX XXXX. The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with XXXX XXXX initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan from Navy Federal to pay off a credit card and another loan it was approved. I never received the loan and they never paid off the credit card .then the sold tge loan to a 3rd party that is now trying to sue me for a loan the was never received
Product: Credit reporting or other personal consumer reports

All the inquiries showing on my equifax credit report have been ran with out my permission I have no knowledge of them inquiries and I would like them all to be removed
Product: Credit reporting or other personal consumer reports

I have filed an FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections charge offs and late payments appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX charged-off account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) Balance of : {$190.00}, XXXX  XXXX charged-off account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) Balance of : {$840.00} an auto credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$2000.00} ), a unsecured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$190.00} ), a unsecured loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$160.00} ), a collections account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$330.00} ) that appears related to the XXXX XXXX XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$330.00} ) appears to be related to XXXX, and a secured credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of ( {$15.00} ) These accounts have resulted in several fraudulent hard inquiries, fraudulent collections and charge offs appearing on my consumer FICO and XXXX XXXX credit report ( XXXX ). I've attached a list of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I made two transfers to my bank ( Bank of America business checking ) totalling around {$8000.00}. I was able to use and withdraw about {$1200.00} of that money on the XXXX, and then on the XXXX, the bank suddenly blocked my account and subsequently closed it without explaination or warning. I went into a local branch on the XXXX to discuss this issue and was offered no real resolution. I called the next day and was told I would have to wait for them to mail me a check. There is over {$8000.00} in the account and it is ALL THE MONEY I HAVE. I can not live without this money. This is my money and I need it immediately. Ive read several other complaints like mine and heard of ppl having to wait MONTHS to get their money. I can not do this. I am living off unemployment at this time and it is meager as it is. Pleaae help me.
Product: Credit reporting or other personal consumer reports

Company refuses to comply and requests additional information on behalf of survivor. [ ] As explained in the section-by-section analysis of XXXX ( f ) below, the final rule requires a consumer reporting agency to provide written or electronic notice to the consumer within five days of reaching a final determination on a submission. The Bureau is implementing a multi- step process that a consumer reporting agency must follow when it receives a submission under XXXX ( d ) ( XXXX ). First, XXXX ( XXXX ) ( XXXX ) provides that a consumer reporting agency has four business days from receipt of the consumers submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.The Bureau does not believe that this provision of the TVPA conflicts with section 605C or the final rule since section 605C, among other things, does not require an official certification from the Department of Health and Human Services ( HHS ) in order to block adverse items of information from a consumer report that resulted from having been trafficked.