23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account Name :XX/XX/XXXXAccount Number : XXXX Account Name XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX sectionXX/XX/XXXXI have the right to privacy. 

XXXX XXXX XXXX SectionXX/XX/XXXX : It also states a consumer reporting agency can not furnish a account without my written instructionsXX/XX/XXXXStates : 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX) 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account that hit my credit report in XXXX of 2021 from an XXXX XXXX XXXX XXXX account that is not mine. The collections account is from XXXX XXXX XXXX and is hitting my Experian credit report. I have filed several disputes with Experian and it keeps reappearing. I have also called XXXX XXXX XXXX but that has gotten me nowhere.
Product: Debt collection

Letter came today from Synergetic Communications, seeking to collect {$130.00} on behalf of XXXX XXXX XXXX, original crefitor " XXXX XXXX. '' I have never dealt with Synergetic or with Novea or with XXXX XXXX. 
All the account numbers on the letter are bogus. 
My name is not on the letter. 
The letter invites me to dispute the validity of the debt. But I do not enter into dealings with outfits that fabricate debts. 
The letter is no mistake. As a matter of principle I do not carry debts. In the last ten years my only debts were on our house ( to a bank ) and our car ( to the manufacturer ), and both were paid off eight years ago. Every month I pay off my credit cards on schedule, as I have done for the last fifty years. Sender knows as well as I do that the " debt '' they cooked up does not exist.
Product: Checking or savings account

We, wife and I, have been hacked of our personal information 6 times now. This has been going on for over a year. We have had money stolen from our accounts. At first PNC was good at getting things taken care of but now theyre accusatory like we are lieing or something. We are out thousands of dollars - denying one claim without even having the time to look into it and another that has been ongoing for over 6 weeks now with nothing being done. No credits nothing. Thats violation on Reg E. We have installed XXXX XXXX to hopefully ensure this doesnt happen again. We have contacted the police but they said they cant do anything because anyone can buy anyones information on the dark web.PNC has already charged back money from the one dispute but we havent seen any credits.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute an inaccurate late payment Experian is reporting on my credit file by XXXX XXXX XXXX XXXX for XX/XX/year>, Acct : XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate, and this late payment does not meet that standard. 
Specifically, the report inaccurately reflects that I was late on my Navy Federal account in XX/XX/year>. However, I have verified this information with both XXXX and XXXX, which accurately report this account as " Current/Never Late '' for the same time period. I have attached a screenshot of my XXXX credit report as evidence, clearly showing that I was never late in XX/XX/year>. 
It is not possible for me to be reported as both late and current at the same time. This conflicting information highlights a clear inaccuracy in your records. Furthermore, this false late payment entry is negatively impacting my credit score, and I am concerned about the effect it could have on my ability to secure a new employment opportunity.

In accordance with the FCRA, I demand that Experian conduct a thorough investigation of this disputed information, immediately delete the inaccurate late payment, and update my account status to " Paid as Agreed. '' I further request that you provide me with an updated copy of my credit report reflecting this correction. 
Please note that I have attached the following documents to support my claim : A screenshot of my XXXX credit report showing " Current/Never Late '' for XX/XX/year>. 
Documentation demonstrating my consistent payment history with Navy Federal Credit Union.

This is my second time disputing this matter with Experian. I urge you to resolve this issue promptly, as continued failure to accurately report my account status is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
Please confirm in writing when this matter has been resolved and provide an updated copy of my credit report for my records. Should you require any further information from me to complete your investigation, you may contact me directly.

Thank you for your prompt attention to this matter. I look forward to your immediate resolution. 
Sincerely, Attachments : Screenshot of XXXX Credit Report Supporting Documentation ( if applicable )
Product: Mortgage

I closed without a XXXX XXXX WAS TRANSFERRED TO CONCORD SERVICING CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. 

COPIES OF ASSIGNMENT SALE, TRANSFER WAS INCLUDED IN INITIAL COMPLAINT SUBMITTED XX/XX/XXXX. EMAIL WAS ALSO SUBMITTED TO THEIR CONSUMER SERVICING DEPT. DENIALS AND LIES ARE NOT AN EXCUSE FOR AN INCOMPLETE CLOSING PACKAGE AND PREDATORY LENDING. 
CONCORD LIED IN RESPONSE TO PREVENT CANCELATION REFUND. 
REFUND IS STILL DUE WITHIN XXXX OF INITIAL COMPLAINT. 
No TN DISCLOSURES DUE TO DUAL RESIDENCY, IDENTIFYING RESIDENT. 

Didn't view subject property, UNABLE TO ACCESS ACCOUNT UNTIL XXXX. 

PREVIOUSLY ADDITIONAL DOCUMENTS SENT. COMPLAINT CLOSED ERRONEOUSLY DUE TO CONCORD LYING. XXXX XXXX XXXX XXXX  AGENT IS CONCORDand XXXX XXXX. 
SUPREME COURT RULING NEEDS TO BE ENFORCED. XXXX CANCELATION ACCORDING TO TILACT. 

Recorded call confirming CONCORD SERVICING CORP XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had a lease through Toyota Financial Services ( TFS ) which ended. I received a letter from TFS dated XX/XX/XXXX, stating I owed {$430.00}. 

On XX/XX/XXXX I spoke with XXXX ( Agent XXXX ) who reviewed the charges. Most of the charges were incorrectly billed to my account. There was a questionable amount remaining of {$62.00}. That amount was for a pro rated property tax amount due from the previous lease holder ( the lease is a transfer ). XXXX was not sure I owed this charge and told me to call back on XX/XX/XXXX to confirm the status of this charge. 

When I called back on XX/XX/XXXX, I was told the amount went to collection with XXXX XXXX. To avoid reporting to credit agencies I promptly paid the balance. 

Going back to TFS on XX/XX/XXXX I have been transferred around several times and once again was told to call back. 

In the interim I have been transferred to 5 different people, all from different departments of TFS ( or some other corporate entity of Toyota? )
Product: Credit card or prepaid card

Bank of America call center operator informed me that they would waive my {$64.00} late charges and now unwilling to do so even after I paid for the balance that was due.
Product: Debt collection

On XX/XX/21, Peroutka, Miller Klima & Peters, P.A. filed a lawsuit against me and the case was voluntary dismissed on XX/XX/21 by Klima , Peters & Daly , P.A . 

A voluntarily dismissal is admittance of wrong doing and as such, I submitted two invoices ( attached ) demanding legal remedy for federal protected consumer rights violations.
Product: Checking or savings account

I am writing toward Navy Federal Credit Union regarding over draft fees. I made transactions with funds in my account but some how i was charged interest on money i used. This is under the CFPB funding policy, where transaction were settled in sufficient balance despite me having the funds. This is unfair due to the situation Im already in with low income coming in. You can investigate my account.
Product: Debt collection

I recently requested a proof of debt from the collection agency Credit Management who purchased debt from the original creditor of XXXX XXXX XXXX for {$41.00} and then reported the debt on all three major credit bureaus. 

I do not recognize this debt as being mine, nor do I recognize ever having any business with this company. Because of this, it was then disputed on all three credit companies. 

It was quickly deleted from XXXX and XXXX once they investigated and found the debt to be in error. Unfortunately, XXXX has been under investigation since I deputed the debt on XX/XX/2023, with no response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( A.Basalo ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX  ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX XXXX never authorized ) and TD Auto ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX XXXX  XXXX Regardless of that the fraudulent Finance Manager pulled the credit with XXXX unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Product: Credit reporting, credit repair services, or other personal consumer reports

No changes from Transunion on the illegal credit reports from them.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding inaccuracies on my credit files with XXXX, XXXX, and TransUnion. Despite submitting supporting documentation, I am encountering ongoing difficulties with these agencies, which are prolonging the dispute process and putting me at risk of identity theft. 

As outlined in my original complaint, each of these agencies has requested that I send my personal information, including my ID and Social Security number, by mail. This request is both unnecessary and concerning, particularly given that each agency is aware that I have an identity theft alert on my credit files. Additionally, they have all blocked me from uploading my documents through their secure online portals, making it impossible to directly submit the required information. Instead, they are forcing me into an unsafe process that exposes me to further risks. 

Furthermore, I am required to undergo a verification process over the phone before being transferred to their special handling departments to dispute inaccuracies. I have followed all instructions and uploaded copies of my ID and the last four digits of my Social Security number through the CFPB portal, and the phone representatives have confirmed receipt of this documentation. Despite this, the process continues to be unnecessarily delayed and complicated. 

I believe these actions are being taken in bad faith, and they are causing me undue hardship. The credit reporting agencies are fully aware of my identity theft history, and their actions seem deliberately designed to impede the resolution of my disputes. I respectfully request that the CFPB investigate this matter to ensure the credit reporting agencies handle my case in accordance with the law, especially considering the risk to my personal information. 

In my complaint, I have included supporting documentation : a copy of my ID, my Social Security card ( with only the last four digits visible ), a current utility bill as proof of address, and the letter from the reporting agencies. I refuse to send a copy of my Social Security card and ID through the XXXX mail system due to security concerns.
Product: Debt collection

I have accumulated a mountain of debt that started during the pandemic and that has persisted until the present day. With the combination of the pandemic and the horrible economy, since the pandemic, my businesses have struggled. I have reached out to Regions bank on numerous occasions recently asking for help with my debt. I have asked them if they offer debt consolidation, hardship or any kind of help. I have spoken to many people at the bank who say they will look into it but never return my calls or emails. In the meantime, I have their collection dept. calling me constantly demanding payment. I have fallen behind because of the interest and penalties each month. I feel like they are ignoring me and don't want to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX NUMBER XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone stole my identity and used it to apply for credit with ACIMA. The credit request was approved by ACIMA for credit in the amount of {$5000.00}. ACIMA failed to verify by true identity using my address from the soft pull of my credit report. In fact, no letter was even sent to my physical address stating that the account was opened or that credit was approved. Instead, ACIMA prides itself on being a paperless company and as a result, never sent any documentation to my home address. Rather, ACIMA relied solely on the email address provided by the fraudster on the fraudulent credit application and, upon information and belief, sent all verification and loan documentation via email to that address. 

On XX/XX/XXXX, I checked my credit report with XXXX to find that this account was opened in my name without my knowledge or consent. Moreover, the account was already delinquent as it appears the fraudster failed to make any payments on the account since it opened. And, there was a new phone number added to my credit report which was associated with this new account. I immediately filed an identity theft report with the FTC online. 

On XX/XX/XXXX, I contacted ACIMA and received an email from their fraud department that I needed to first file a police report and attach it to my response in order for them to investigate. It appears that ACIMA will not take any action until I responded with a police report. I have since contacted my local police department and initially told to file my report online. I made several attempts to do so and each time was rejected. 

I have since appeared in the police station in person and learned that this type of incident must be reported in person. I filled out an incident report and am still awaiting preparation of the report and contact by XXXX XXXX. In the meanwhile, ACIMA has reported the account 30 days past due, which dropped my credit score by XXXX pts. Clearly ACIMA has not suspended reporting. My credit will continue to drop if they continue to report the account in default - meanwhile I continue to await the police report ACIMA needs to " investigate '' the clear fraud.

Further, the lack of due diligence by ACIMA is astonishing and reckless. At the very least, they should have known that the current address on my credit report doesn't match -- or at least sent a letter to my current address informing me of the credit approval. Nonetheless, a fraudster has successfully used my name and identity to get credit while I pay the price for his fraudulent behavior.
Product: Debt collection

XXXX / XXXX / {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my Transunion and XXXX  report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX.  I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received response from Equifax stating they needed more identity. How pitiful are they or is it they are off shore and can not comprehend? This issue has been going on for years and they and you have the complaints. The complaint has hot that has ALL of my information as does every one of the hundreds of complaints they and you have received in the past. As you know you have not for years fixed the SOCIAL SECURITY ERROR in your software... how strange..yes right.. yet you don't do much of anything. The game evidently no intended fix just delay and blame. See error CFPB ( XXXX  ) The following form fields are incomplete or have errors : Social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I never lived at this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  1. I never lived at this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

account XXXX XXXX XXXX XXXX XXXXXXXX XXXX 45 days ago I ask to the credit bureau to do an investigation. they said it was verified. 
but after doing my own investigation I saw they did not. 
delete this charge off for inaccuracy because the date of last payment reports XX/XX/XXXX XXXX XXXXXXXX XXXX on Experian, and XXXX XXXX XXXX 

thanks