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

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, Equifax XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 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. Items listed above, have 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - Account Name : FAIR COLLECTIONS AND OUT Account Type : Closed, Account Type : Secured credit card, Date Opened : XXXX XXXX, XXXX, Balance : {$4100.00} Fraudulent Inquiries listed below : - XXXX XXXX XXXX : XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Money transfer, virtual currency, or money service

I Have many issue!!!!!! XXXX XXXX  bank from chase that they have no long with me bank because of fraud accused and insurance car is expire so my car is destroy so they cant cover for car!!! And I dont pay rent cuz my wife and XXXX child was left me since XX/XX/XXXX since. She had something with set up and I got ssi paper says use payee and back to work I never say that I bet she did it so I got stop ssi and slot of claim for complain that how they stop me everything it not true!!!! also XXXX XXXX did transfer to other her new account but it really mine account but XXXX let her it go without my permission XXXX XXXXXXXXXXXX XXXX  and car monthly like everything and email access to stuck so I got charge for XXXX XXXX XXXX so I never get back. Money thank you
Product: Debt collection

Company said my account couldnt be located with my info as it came up or was connected to another person. Info provided. I was curious as to how my info provided located a woman s account?
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX showed up on my credit report for an account with XXXX  XXXX XXXX. I sent a letter via mail on XX/XX/2021. I have made 4 attempts since and I have not received a response. They have not been able to verify, validate or send any information regarding this account and it is still showing on my credit file.
Product: Credit card or prepaid card

This is to file complain against CHASE CARD. 
Opened XX/XX/2015, Credit limit {$11000.00}, Balance {$12000.00} I never Opened this account, Chase are reporting this false information, on my credit file XXXX, i called them many times, but they wan na help, or provide me with proofe i opened account with them.
Product: Debt collection

I have previously filed a complaint ( XX/XX/19 ) about this company contacting me at work after I asked them not to. On XX/XX/2019, this company had me served with a lawsuit at my place of employment in front of my coworkers and supervisor. I request sanctions.
Product: Credit reporting or other personal consumer reports

Although displaying nearly identical information, my Experian XXXX  score is more than XXXX points less than XXXX  scores from XXXX and XXXX. The only differences are 1 month in average age of accounts and XXXX inquiries. Those minor differences should not create such a huge difference. There is something wrong with how Experian is calculating XXXX  scores.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my chex Systems consumer report. I have NEVER opened or used or applied for the following accounts in the attached pdf file.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Included in the this section is the letter which I sent to all 3 credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report. 

15 U.S. Code 1681c-2 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. 

I reached out to the XXXX, XXXX, and Experian regarding this exact matter and it has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Bank account or service

On the advice of the FBI, I 'm sending this complaint on to you. How do I report a teller for applying for a credit card in my name without my authority? On XXXX XXXX, 2015, I made a deposit with a teller at a drive through window. She informed me that Suntrust no longer used the type of debit card I had and that she could obtain me a new debit card. She asked me for a lot of personal information which I questioned and she insisted she needed the information, and she said she could not hear me from the car and insisted that I write down information for her. On XXXX XXXX, I received a letter from Suntrust regarding an application for a credit card and I did not recall the deposit or debit at the time. I called Suntrust and informed them that I had not applied for a credit card, and they said they were putting an alert on my account and would get back to me. It had been a couple of weeks, and I realized I had not gotten the new debit card, so I became suspicious and checked out the receipt from my deposit, and the deposit was the same date as Suntrust claimed I had applied for a credit card. Tonight I called Suntrust and the manager, XXXX, confirmed that the teller had applied for a credit card on my behalf on XXXX XXXX, 2015. Why? All I did was make a deposit - never asked for a credit card, and the teller gave me a long spiel about my debit card no longer being used by Suntrust. I already have XXXX Suntrust credit cards. I do not know what amount the teller applied for or what gave her the notion that she could fill out an application without my knowledge. I am highly concerned that the teller committed blantant fraud as she explained that she needed me to write down information so she could obtain the card for me. Let me assure you, I am clear that she lied by telling me she needed information to obtain the new debit card because Suntrust no longer used the type of debit card I had. She went out of her way to lie to me and then to fraudulently apply a credit card. I believe she has probably scammed other customers, and I wish to have her brought to justice. I reported the information to the manager on duty, and I beg you to investigate please. I do not have my deposit transaction on me today to upload, but the Branch information should be on the receipt. Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Endless issues with this company : - account manager hardly assisted when i needed help with my loan due to illness. 

-after i realized i couldnt afford it i voluntarily surrendered and dropped off vehicle myself. 

- account manager ran my credit AFTER i was no longer in possession of the vehicle and she didnt have my permission nor right and just ran it at her own decision. 

-after it ended up on my credit years later i reached out to take care of the difference and they informed me i couldnt make payment to them and referred it to a third party collection but let me know that once the collection was paid the third party AND XXXX would come off my credit entirely and the third party and after arguing with them it was removed ONLY TO BE PUT BACK ON MONTHS LATER DROPPING MY SCORE 75 POINTS. 

-called back and they informed me that they have no authority over credit bureau and i need to contact them which i have as well as disputed it and every time the bureaus send my dispute over they deny it and the bureaus leave it on there. 

-called and spoke to manager XXXX and she informed me she would look into this and how to get it taken care of. I call back as i hadnt heard any updates only to be told she is actually not in and wont be as she is on vacation for the entire week. 

-I am getting the run around and no one is helping me and they not only violated my rights by running my credit but they also lied to me about it being removed and now they are not helping me or answering my questions and no one has called me back. This company is manipulative and lies and just passes the buck and i need it resolved ASAP before I take legal action on the matter.
Product: Money transfer, virtual currency, or money service

I was hacked, my account was misused and, reported to no available help. Then later closed, without operator.
Product: Debt collection

I received a call from a representative at XXXX XXXX XX/XX/18. I spoke to her for 4 mins. I then received another call from them and they left a message. I called the company XXXX with a supervisor XXXX XXXX she advised me she would coach and address the situation. I then received yet another call at XXXX XX/XX/18 from XXXX. I called back in and spoke with XXXX again advising I know my rights. I feel as if the intent is to continously call and annoy me on my cell phone
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has fraudulently reported my mortgage as late when it was paid off before the dates that they report it as late. They have fraudulently or mistakingly reported my mortgage as late.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint against Lake Michigan Credit Union XXXX XXXX ) regarding multiple issues related to my accounts with them. The details of my complaint are as follows : In late XX/XX/XXXX, I suffered a severe concussion due to an auto accident, followed by contracting XXXX for the second time in XXXX. These medical conditions significantly limited my ability to manage my business, which, in turn, led to financial difficulties. 

Due to my health challenges, my personal checking account with XXXX went into negative balance, resulting in numerous overdraft charges that I did not opt-in for. These charges occurred without my consent. 

On or about XX/XX/XXXX, Lake Michigan Credit Union charged off my personal checking account without providing proper notice. Despite my immediate attempts to pay the outstanding balance in full, XXXX refused to remove the charge-off from my credit report. 

In exchange for settling the balance, I requested that XXXX remove the charge-off from my credit report, but my request was denied. I believe this led the loss mitigation department at XXXX to take questionable, if not illegal, steps to punish me. 

Shortly after the charge-off, XXXX denied XXXX online access to my account, which included my credit card and auto loan accounts held by them. This also suspended e-delivery of all statements and notifications. 

Since I hadn't received a monthly statement, I called XXXX customer service on XX/XX/XXXX, to inquire about my VISA payment amount. I was told the amount was {$200.00}, which I immediately paid through a transfer from my business checking account. However, I later discovered that XXXX reported me as 30 days late to the credit agencies because the amount given to me over the phone ( on a recorded line ) was allegedly a couple of dollars short. 

In addition to my personal account issues, I also had a business account for my S-corporation with LMCU. They started restricting this account as well. First, they froze my debit card in early XXXX. Subsequently, they restricted online access, and finally, they refused to accept a cash deposit on XX/XX/XXXX, which resulted in my car payment being returned. As a result of these actions, I made the decision to close my business account with XXXX on XX/XX/XXXX. 

While I have written notes detailing the events above, I also possess recorded calls with LMCU that provide further evidence of the issues I have faced. 

I request the Consumer Financial Protection Bureau 's assistance in investigating these matters and ensuring a fair resolution. The actions taken by Lake Michigan Credit Union have had a significant negative impact on my personal and business finances and have also affected my credit standing. 

Thank you for your prompt attention to this matter. I look forward to a resolution that addresses these issues and prevents similar situations from occurring in the future. 

Sincerely,
Product: Vehicle loan or lease

Two years ago I got approved for a loan which put my life on hold due to the APR being high the amount is high. The value of the car is at XXXX. I am paying more now than what the car is worth on top of it all the car broke down and Im still receiving phone calls from them the bank stating that they will add that to my credit history like theyve been doing which bought my credit score down which Im not liable to get another vehicle at the present time the repairs of the car is running about XXXX which they sold me a bucket which is a 2011 XXXX XXXX if I know what I know now and how is it going to put a dent on my future plans and now I wouldve never went through it can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting to you that i am a victim of Identy Thief and possible fraud. On or about month of XX/XX/XXXX. I pulled my credit report to check for any Inaccuracies cause I'm trying to purchase a house. I notice that on my credit reports. My name is listed numerous times and also spelled incorrectly. And also addresses that i never lived at. I also notice the i have numerous unauthorized inquiries for Credit cards and Peronal loans. And some Auto loan inquiries. I called numerous times to dipute this. Also i mailed them letters to have them removed. I just found out that my informiation. NAME, SSN, ID NUMBER AND ADDRESS and AMONGST other information pertaining to me. Was involved in the XXXX data breach of XXXX also part of the Experian data breach Of XX/XX/XXXX. As well as the XXXX breach So basically i am a victim of identity theft due to the information that was leaked from the 3 Credit Main Bureaus data breaches. Is there anything you can assist me with to have them remove the names and Inquiries That has been unauthorized. I have placed Security freezes and Fraud alerts on all my reports. Jus to start. THIS IS A BIG PART OF ME FILING FOR BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to send certified Dispute notices to XXXX instead of actually verifying and validating the account like they are asked to do. XXXX does not have an account for me therefore this is inaccurate reporting under FCRA guidelines. This account is closed and was sent to the Ohio Attorney General for further investigation due to incorrect balance. Please remove
Product: Credit reporting

Experian has been incorrectly and inaccurately reporting certain information my credit report. The furnisher has referred me to the bureau. As shown in the attached screenshots, Experian lists these accounts as being installment accounts when they are not. They also list date of status as being XXXX and XXXX, respectively, yet the they 've updated monthly since the addition of these items to my credit report. They also list past due amounts and other history that the furnisher insists has not come from them. I 've attached several screenshots supporting my position.
Product: Credit reporting or other personal consumer reports

Recently I noticed Equifax deleted all the unrecognizable inquiries reporting but later on added the same inquiries that was deleted. I am demanding for all the inquiries and account name-XXXX  credit account number XXXX  be deleted from my consumer report immediate within 4 days of this notice according Section 605 B. 
XXXX 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 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 Convergent 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, 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
Product: Debt collection

I have no knowledge of this credit debt. This debt is not mine and I run multiple business and my credit is very important to me. This debt is drastically impacting my credit score and I need this fixed.
Product: Debt collection

Dynamic Recovery Solutions contacted me on XX/XX/XXXX for a capital one credit card account that was closed in XXXX. This debt has not been validated and it is passed the statute of limitations.
Product: Mortgage

My condo insurance was up for renewal. My mortgage service, Loan Depot, charged me {$870.00} on XX/XX/21 for Insurance through my Escrow. Then, in XXXX, Loan Depot changed their servicing from Loan Depot to Loan Depot.com LLC, and changed their log in portal and tranferred the loan. 

The " New '' servicer with basically the same company name is saying they do not have any record of my Condo insurance. I havent been able to get in touch with the original agent on my policy. Loan Depot paid insurance in XXXX and is now acting like they have no record of my policy. They are threatening to purchase another policy on my behalf at 2-5X normal rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Credit Systems International , Inc never notified me in regards to a {$100.00}. medical bill that was placed on my credit reports for collections. When I contacted XXXX  XXXX XXXX XXXX on XX/XX/XXXX and spoke with a representative named XXXX he stated I was never billed {$100.00}. I requested to have an invoice sent to me for the {$100.00} bill and as of today I never received an invoice. 

On XX/XX/XXXX I contacted XXXX  XXXX XXXX XXXX again in regards to the {$100.00} and the representative informed me they are not able to locate a bill for that amount in their system. I also disputed this with both credit bureaus and they stated the account is valid not sure what that means. I'm not sure if the medical bill is valid because I never received the bill and Credit Systems International , Inc never notified me via mail or via phone. 

However, I did receive a letter from Credit Systems International , Inc in regards to another medical bill for {$330.00} and that bill was paid in full on XX/XX/XXXX with agent XXXX ( XXXX ). Attached are copies of the invoices that I paid in full with Credit Systems International , Inc . 

I'm requesting to have these collections removed from all my credit reports and to send copies of the bill that I never received from XXXX  XXXX XXXX XXXX which will reflect if the {$100.00} is actually my bill or if its a bill that I already paid in full. By law the collection agency is required to notify the consumer before they place collections on their credit report and Credit Systems International , Inc failed to follow the law.
Product: Credit reporting or other personal consumer reports

I have incorrect inquiries on my credit report with Equifax, I need them to be removed as soon as possible I did not authorized them.
Product: Credit reporting or other personal consumer reports

Equifax Have information that incorrect information on my credit report that is not, according to 15 usc 1692c you have violated my rights by in lawful communication please remove this from my credit report thank you
Product: Debt collection

Daily phone calls from area codes all over the country, most showing Portfolio Recovery on my phone screen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  about an unauthorized hard inquiry made on XX/XX/2022. XXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX must contact the reporting credit bureau for removal.