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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received two wire in my account and put one ck in. then my account has not been able to be used FROZEN. No one will help me i keep getting the run around like the person that is looking in to is off for two weeks. I cant even look at my account at all i been stopped i need help this has been going on 4 months and i can not get any where at all whit Huntington Bank number XXXX XXXX XXXX XXXX XXXX EMAIL XXXX Huntington bank in XXXX XXXX Mi
Product: Credit card or prepaid card

I'm trying to get to customer service to reopen my account it's closed and I can't access it
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX ( see attached ) dated XX/XX/XXXX. I followed up with this company disputing the entry they placed on my credit reports. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. In my letter to them ( see attached ), dated, XX/XX/XXXX, I specifically requested that the provide me validation of debt and not verification of the debt.

Convergent responded with the exact information that they sent to me on XX/XX/XXXX ( see attached ). I requested the following : An agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary. 

Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. This item should be DELETED immediately from my reports.
Product: Money transfer, virtual currency, or money service

Gemini Trust Company , LLC has fraudulently stolen assets from me through their cryptocurrency exchange - it has been almost half a year and the company has yet to " verify my identity '', this lack of " verification '' prevents me from withdrawing and or selling any of my assets. I have sent them the required documents in order to be verified - I have contacted them several times but fail to receive any clarification as to my verification status.
Product: Credit card or prepaid card

Hi, My Chase Marriott Bonvoy credit card ending in XXXX was closed on XX/XX/XXXX. There was a credit of {$85.00} on my account. Chase did not send me refund check until I called them today ( XX/XX/ ) to check the status. They said I have to explicitly request for credit when I close the account. It is clearly deceptive practice to keep the consumer money after closing the account. Also they are not offering to wire the money to my bank account that they have on the file.XXXX  XXXX and other credit card companies wired me the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never apply for this companies. i believe that somebody used my personal information to apply for this. I'm not responsible for this inquiries.
Product: Debt collection

I have sent more than 3 notices through Consumer Federal Protection Bureau complaints on Portfolio Recovery Services on multiple accounts that were reported to my credit report illegally. The have violated many Fair Credit Reporting Act and Fair Debt Collections Laws and have destroyed my credit. 
Over the last year I have requested documents required by Law and they have ignored them and said they never received them even though there are records showing this from previous complaints on record by the Consumer Federal Protection Bureau. These files show they indeed have received my disputes and complaints. 
They have exhausted more than the 30 day time frame to allowed by Federal Law to provide all required documents needed to prove this debt is valid- I dispute this debt again. I have no records of this amount they are trying to collect and neither do they. 
Portfolio Recovery has a history of forging documents and stalling saying they have never received any disputes. I have records for fake Dunning Letters and Statements they provide that does not show the full detail of the accounts and due to this they have removed 3 other accounts that I have had the same issue of them proving the debt is actually owed. I am requesting they do the same and release and remove this account from all credit reporting agencies immediately. 
I have also disputed this account with the credit bureaus and Portfolio Recovery reports this account as verified just like they did with the others but have since removed them. One of which is listed in the most recent complaint XXXX-XXXX submitted on XX/XX/2018 but this account # XXXX was not. 

Portfolio Recovery is using Harrasement and Unfair Collections to collect this debt according to the Federal Debt Collection Practices Laws. I have included the numbers and dates of previous complaints that show that my notice of DISPUTES have been dismissed by this company and the claims unfounded. 

Compaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 Compaint # XXXX Submitted to the CFPB on XX/XX/2018 Complaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 -Did not provide copies of any validation or verification -Continues to reply PRA has no record of a request or dispute being received in relation to its initial notification letters. 
-Never sent Dunning Letter but reported to my credit report- No proof of letter every being sent -Can not prove the amount owed is valid or owed- or accounting of amount owed
Product: Checking or savings account

Originally I was with XXXX XXXX now XXXX XXXX in XXXX for 20 years. I was a victim of fraud. I was able to get some of the charges back however there are other companies still involved. XXXX sent me a check at the end of XX/XX/year> for approx. $ XXXX. The check bounced. It was on hold for about 10 days. I cashed out $ XXXX to pay bills. I was told a couple days later the check bounced and to bring up the money, I then finally was paid by my insurance for the fraud protection for $ XXXX which I paid the bank in full. I was told they would not put a flag on my account UNLESS I did not pay for it. I was sent a letter via registered mail. My mail lady did not deliver to me that friday. I had to go to post office when I was off on tuesday. By then my paychecks, my social security XXXX and my royalty checks hit the account and were rejected. It was not to happen like that overnight but it did. I was to have 30 days. They said sorry mis-communicated with back office. Can't fix now. So I had no access to my money. I had to wait to have everything resent. I opened with USAA Bank. I had a couple of fraud charges. I called them right away. They credited my account for it. Then I had a call tuesday XX/XX/XXXX my account is closed and I can not access my SS XXXX or my pays for 60 days??? I can not pay my rent. I have {$2.00} in my wallet. Scammers took my life savings and I am paying for it now.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX Balance {$4500.00}, XXXX XXXX XXXX  : # XXXX Balance {$7900.00}, XXXX XXXX XXXX : # XXXX Balance {$93.00}, has violated my rights.. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

United Collections Bureau refuses to dispute three hospital/physician charges from XXXX XXXX XXXX. I was insured on the dates of service XX/XX/2019, XX/XX/2019 and XX/XX/2019 I had XXXX and insurance. I provided the hospital with my insurance information which was South Carolina XXXX. The hospital advised me that they dont take out of state XXXX. They then sent my three accounts to United Collections Bureau to report on all three of my credit reports. I have reached out to this collection agency several times and they are refusing to dispute or remove my accounts because of the age. I advised UCB that I have disputed these accounts with them and provided my insurance information when they first received the accounts and they did not file to my insurance as they promised. The insurance they billed was GA XXXX and I was not insured under GA XXXX and they know that through several conversations with me. UCB had all information to try and resolve this account and they failed on multiple occasions as I was eager to have the accounts paid and resolved by XXXX. The total on the three accounts {$1300.00}, {$530.00} and {$1200.00} I am requesting that they remove these accounts from all three credit bureaus due to having insurance at the time of service. Please remove these accounts from the credit bureaus. I offered to settle the accounts for a pay for deletion and they are refusing to delete them off my credit report.
Product: Debt collection

I obtained a copy of my credit report and noticed that this company was reporting an account that I 'm not familiar with. I disputed it with the bureaus and they continue to report it. I then sent a certified letter to them demanding validation and clarification of what this is and I still have not received any correspondence.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. 
" XXXX XXXX '' added late payments to my account that was false even added an extra month of late payments. 
Equifax assumed this role without permission not only that they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 a number 4.

Equifax did not exercise grave responsibility, they were unfair, they were partial.

Im taken the liberty to file a CFPB report and an attorney general 's complaint.

Equifax never had a permissible purpose Under 1681 b number 2. 
I never instructed those guys to furnish this report and I never consented to this report in the first place. 

( XXXX XXXX added late payments to my account that was false even added an extra month of late payments )
Product: Credit reporting

I was victim of ID fraud from XXXX. XXXX has confirmed via phone and also sent me correspondence agreeing the account opened with my information was not authorized by me. I initiated a dispute with Equifax and received the final disposition that the information was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX '' I have contacted XXXX again to have this inquiry removed. Additionally I can find no way to dispute with Equifax via writing, email or via phone. The only selection is to file a new complaint or get status. This is an abysmal process. It is obvious from the recent activity my personal information has been part of a compromise and therefore is now being used to attempt fraud but the bureau has done a cursory review and did not even validate with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian mishandled my information, which puts me and many others at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Vehicle loan or lease

My car was repossessed by western funding on XX/XX/year>. They then contracted a company to take my car to auction in XXXX Texas. After I paid them the money owed I went to XXXX XXXX to retrieve my vehicle. When I saw my vehicle it was destroyed. Im pretty confident my car was dropped. My front bumper was ripped off of the car, fog lights ripped out, front headlight inop, windshield wiper ripped from car by the base, one of my tires was put on flat looked like it was stabbed, my suspension makes a rattling noise when driving also drops to the ground when parked ( air suspension ) from axle was broken, rack and pinion is leaking honestly my vehicle looked as if it was vandalized. Everytime I call western funding originally I would get hung up on after I made a complaint they started taking my calls. They are trying to pass blame. I have numerous emails and they can show record of how many times Ive called a spoke with different people. Each time I get a different answer. All the while Im expected to pay for a car that I cant even drive and was badly damaged while it was In their possession ( repossession ) not mine. Ive never in my life been treated so poorly by anyone or any company in my life. And Im now at the point where I dont know what to do or how this situation is going to be resolved. I need help this is ridiculous. Ive done everything they asked me to do from getting estimates to sending pictures, everything.
Product: Debt collection

So they say I had XXXX in 2015. I know for a fact I did n't so I asked for proof. Never received the proof. Then I dispute on XXXX XXXX and next thing it gets deleted bc I 'm sure they did n't get the proof either. But they changed names and it 's on there again. Now the are enhanced recovery company not ERC that got deleted before. They got away with changing their names and getting back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they were hired to collect an alleged debt of {$540.00} that originated with XXXX XXXX. That letter is attached. I received a follow up letter dated XXXX, XXXX. This letter is also attached. I have never opened an account with XXXX XXXX and suspect fraud here. More importantly, there is no such personal loan account on my credit report ( also attached ).
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 : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Or XXXX XXXX XXXX I would like to file this complaint against Transunion for reporting unacurate information to my credit file for last of years, Transunion a credit reporting agency has received numerous disputes from me issues with unaccurate credit reports, difficulty disputing errors and poor customer service some have also expressed my frustration with Identity theft with Transunion lack of transparency i have been complaints to Transunion about unauthorized charges from XXXX XXXX XXXX co and XXXX these accts were openned in my name fraudulently without my knowledge and there are more than 150 fraudulents inquiries in my credit file due to My drivers licence and my Social security card were stolen more than 4 times and I reported to all Three credit bureaus with a police report but Transunion ignored the police report anyway transunion told me they won't remove thse unaccurate report from my credit report I did not opened cell phone with XXXX and XXXX  from last couple of years i sudmited a lot of disputed to transunion until today transunion refused to remove these unaccurate reports I need some help to from CFPB to get my life back on track i have been tried to buy a house but transunion hold my back and i always turndown from credit bureau I have been writingTransunion for a year now I have not seen anytype of results but Negative.
Product: Money transfer, virtual currency, or money service

On XXXX my sister cashed a federal irs check for {$1200.00} at the XXXX store # XXXX. XXXX, Florida location. She not only falsified and filed my federal income tax return but cashed the check using a service called GI Act. I learned this from XXXX XXXX XXXX. Ive never heard of GI Act, and plan to complete their complaint form as to how they claim to be experts at detecting fraud but allowed my sister, XXXX XXXX XXXX DOB XXXX, to commit federal crimes against me and against the federal government. I worked at a bank for 9 years and know the criteria for cashing checks and I also worked at XXXX. I would like an explanation from GI Act and have them be responsible for allowing fraud to occur using my credentials. This is not an isolated incident with my sister filing falsified federal income tax returns during the pandemic. Shes filed four total, each refund was for {$1200.00}. Thats {$4800.00} stolen from our government and from me. Im not okay with GI Act representing themselves as if they are linked to the federal government by the misrepresentation of their name. They are experts in allowing people to commit crimes by NOT doing any kind of verification because if they did, they would have known XXXX XXXXXXXX XXXX my sister is barely 5 feet. My sister is the ultimate criminal no doubt but who is GI Act for contributing to her crimes and misrepresenting themselves as actually being legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a friends advice and reading the FCRA, I noticed that the furnishing companies were in violation of my federally protected consumer rights. The list of accounts I have below have also been attached in my FTC Report. The section of the violations fall under consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : ACCOUNT NUMBER : XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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