23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Loan was opened under my name without authorization. I already contacted the company twice and had fill out ( unauthorized activity ) twice. Company isn't doing any investigation other than communication with Merchant ( which obviously ) won't lose money/merchandise and will provide valid information that for them ( it's valid ) but for me ( the victim ) is inaccurate/unauthorized/not valid. 

Latest communication to company attached. 

" I received an email that a loan was approved but I didn't read it right away. I read it after I found out an unauthorized loan was opened under my name. Changed password and contacted Customer Service while at the same time a notification that a package was on its way was received, but never reached my doorstep. I was at work when the ( address used ) was not the correct address ( missing information ) and I have proof of that or you can simply read the tracking history. Someone around 5 PM I believe picked up a package under my name when I was still at work, and I have proof of that as well. Your job should be to pull the video from the store or drug store the package was picked up from and analyze it thoroughly, NOT to deny my claim because you have too many claims for the day. Do your job and this is the second time I had to filled this report out for y'all. Also, I'm filling a XXXX  report on the wrongfully negative trademark sent to credit bureaus and another XXXX thru CFPB and others ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was notified by a mortgage loan officer that Equifax credit report shows two account for XXXX XXXX XXXX, one under the company name {$1100.00} and the other as an account for XXXX XXXX {$1100.00}. When I contacted XXXX XXXX XXXX at XXXX I was told by XXXX that XXXX XXXX handles all collection for them. I contacted XXXX and spoke with XXXX through the help desk at XXXX XXXX and was told that they will investigate it further. After being told by the mortgage loan officer that my loan application was suspended, I opened a dispute with Equifax on XXXX XXXX XXXX. I do not recall receiving results of this investigation nor did I log into the dispute center timely to review the results. But, I was informed by the mortgage loan officer after doing a soft pull that the duplicate account is still on the report, XXXX XXXX shows paid, but XXXX XXXX XXXX still shows open and not paid. This is the same transaction just entered in two different times on one report. My XXXX and XXXX reports do not show this error just Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection on my credit report multiple times asking for verification of the item and the credit bureaus have not verified the item and refuse to remove it. 

The account number is : XXXX The collection company is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report 4 collection account that do not belong to me & refuses to further investigate the disputes. Since these accounts do not belong to me & are damaging my credit due to Experian negligence & must be deleted from my report immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX
Product: Debt collection

It has been over 30 days and the creditor has not updated the info or provided proof or documentation in regards to the late payments. The account is now in current status and I am requesting that the late payments be removed from my credit file. By law they must remove it immediately.
Product: Debt collection

Block the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. Please remove this fraudulent account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit freeze/unfreeze is completely broken. I was able to freeze my credit and received a pin for lifting the freeze. However, during a recent mortgage refinancing application, I could not lift the freeze. I verified my information in multiple ways, but nothing worked. I could not contact a representative online. I could not reach a representative on the phone. I could not get a credit report for myself. Attempts to request an annual credit report failed. The only avenue for lifting the freeze or getting any kind of action is to copy sensitive personal records ( driver 's license, social security card, and utility bill or other proof of address ) and physically mail in a request. This takes multiple days at best, and there is no way to track progress or get updates on credit reporting status. The delays have already cost us $ XXXX because we missed a loan offer window, and further delays may incur additional costs. If Experian is allowed to profit by gathering and controlling my information, it must be far more responsive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$320.00}. These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer XXXX credit report. I've attached a list of the hard 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 collection, or hard inquiries as reported. The aforementioned collection, 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, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit collection, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

am filing this complaint regarding Experians violation of my rights under the Fair Credit Reporting Act ( FCRA ). The agency has failed to address inaccuracies and unverifiable information on my credit report despite multiple requests. The following accounts are inaccurately or improperly reported : XXXX. XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Additionally , the Extra account includes a late payment, which I believe is reported in error. Key Violations by Experian : 1. Failure to Ensure Maximum Accuracy ( 607 ( b ) of FCRA ) : Experian did not verify the accuracy of these accounts before reporting them. 2. Failure to Conduct a Reasonable Reinvestigation ( 611 ( a ) ( 1 ) ( A ) of FCRA ) : Despite my requests, Experians investigation process was inadequate and failed to resolve the disputes. 3. Failure to Delete Unverifiable Information ( 611 ( a ) ( 5 ) ( A ) of FCRA ) : Experian has continued reporting unverifiable accounts, which violates federal law. 4. Failure to Notify Furnishers of Disputes ( 611 ( a ) ( 2 ) of FCRA ) : Experian has not demonstrated that it notified the data furnishers of my dispute within the legally required timeframe. 5. Failure to Provide Results of Investigation ( 611 ( a ) ( 6 ) of FCRA ) : Experian did not provide a clear, documented explanation for the continued reporting of these accounts after my dispute. Requested Resolution : I request the CFPB to : 1. Require Experian to remove the collection accounts listed above from my credit report due to lack of verification. 2. Ensure that Experian corrects the erroneous late payment reported for the Extra account. 3. Hold Experian accountable for their violations of the FCRA, including their failure to conduct a reasonable reinvestigation.
Product: Credit reporting

I submitted Id theft affidavit with police report from accounts that were opened fraudulently it has been over 90 days and equifax has yet to remove these fraudulent accounts off my credit file. They have only added a fraud address to my credit file that I never lived at please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to transunion reps about inquiries on my credit report as I did n't ask for my credit to be ran. I am trying to tell them I did n't authorize these but they are failing to delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan Servicing sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact FedLoan Servicing, they transfer me from department to department or tell me to write a letter that they never respond to.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a wire transfer through XX/XX/XXXX Employees Credit Union to US Bank in Minnesota. The exact address is XXXX Country HWY XXXX XXXX XXXX MN XXXX. I found out that the wire recipient was fraudulent as they copied my Title Companies letterhead and inputted their information. I called US Bank and reported it about XXXX hours after the transaction once I found out. I talked to XXXX of US Bank on XX/XX/XXXX about two hours after the transaction and advised him of the fraudulent transaction. He advised me to send an email to XXXX. I immediately sent the information I discussed with XXXX as well as a copy of my report to Federal Trade Commission. The next day I talked to XXXX from US Bank about the information I sent as well as my conversation with XXXX of US BANK. While we were talking I gave XXXX the account number of the transaction and he advised me he could see the transaction. I asked XXXX to Flag the Transaction as I asked XXXX the day previously. During all this I was also immediately in XXXX with XX/XX/XXXX Employee Credit Union. They were my first call to call back the transaction with US Bank.XX/XX/XXXX Employee Credit Union contacted me the next day that they were in contact with US BANK in reference to the request for recovery of funds. That request was on XX/XX/XXXX. US BANK did nothing in reference to the request until XX/XX/XXXX when they responded the funds were not recoverable. They never flagged the funds, and by XX/XX/XXXX the funds were gone. To my Knowledge from XX/XX/XXXX Employee Credit Union the account being used fraudulently is still active. The email that the scammer is XXXX. The fraudulent information is below that was copied onto my Title Companies letter head and spoofed on their site. 

Bank Name : US BANK Bank Address : XXXX XXXX HWY XXXX XXXX XXXX, MN XXXX Account Name : XXXX XXXX XXXX Routing Number # : XXXX Account Number : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX MN XXXX
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

All Concerned, Through Coinbase, I manage my digital cryptocurrency wallet. After submitting my personal information, which identifies me as living in XXXX  XXXX,, I proceeded to submit my ID for verification purposed. My ID is issued from the State of Hawaii. Hawaii does not have an agreement with Coinbase for the trading of Crpytocurrency ; however, I indicated in my profile I am a permanent resident of XXXX  XXXX, even if my drivers license does not reflect that. 

Subsequently, because Coinbase assumed Hawaii as my residency, I have been locked out of my account and unable to transfer any money out. I have approximately {$3000.00} in value that is being withheld from my possession. Coinbase has not responded to any request for support regarding this specific issue.
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. 

XXXXXXXX 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 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. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish my account without my written instruction.

15 U.S.C. 1681 ( A ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following : any other adverse item of information, other than records of convictions of crimes which antedates the report 7 years.

15 U.S.C. 1681-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX Balance : {$130.00} TXXXX XXXX XXXX Balance : {$10.00} XXXX XX/XX/2022
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. 
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  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.

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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Sent me an email about ten year old debt and threaten to sue me Being up to date on your finances helps give you peace of mind. 
XXXX XXXX, we are writing to tell you about an important matter that should be resolved. It's possible that you weren't aware of your outstanding balance of {$89.00}, originally owed to XXXX. 

Learn about your options to resolve this. 

This was originally a check written to the XXXX. The check was presented for payment but dishonored by the bank. Orion Portfolio Services , LLC purchased this debt and has hired our company, XXXX to collect the balance due of {$89.00}. The balance due includes the face amount of the check, {$64.00}, plus a returned check fee of {$25.00}. 

Account Information Current Creditor : Orion Portfolio Services , LLC Original Creditor : XXXX Original Check Number : XXXX Check Amount : {$64.00} Returned Check Fee : {$25.00} Balance : {$89.00}
Product: Credit reporting or other personal consumer reports

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

I am a victim of fraud and/ or identity theft. Each of the accounts and transactions I disputed were opened and maybe by someone with a similar name as me or pretending to be. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within XXXX XXXX days as required by the Fair Credit Reporting Act copied here below for your reference. FCRA 605B (15 U.S.C. 1681c-2) Block of Information Resulting from Identity Theft (a) Block Except as otherwise provided in this section, 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 a alleged identity theft, not later than XXXX business days after the date of receipt by such agency. 15 U.S.C 1681i (a)(1)(a) requires that each time a consumer reporting agency receives a dispute, or an affirmation of inaccurate information it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within XXXX  days, beginning on the dispute was received unless the account is determined to be frivolous or irrelevant. FCRA 605B (15 U.S.C 1681c-2) Block of Information Resulting from Identity Theft (a) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency In accordance with the Fair Credit Reporting act The above Companies has violated my rights. Code 1681- Congressional findings and statements of purpose (a) accuracy and fairness of credit reporting. Congress makes the following findings the bank system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C code 1666 Correction of billing errors 15 U.S.C Section 1681e(b) for a consumer reporting agency (CRA) to "assure maximum possible accuracy" in its credit reports, 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions
Product: Credit card or prepaid card

I had a Capital One credit card and had problems with XXXX  processing a payment for them. However I went through another one of my bank accounts to issue a payment to them. Their company sat on the phone for 45 minutes falsely having XXXX three way in and under false pretenses coercing me into giving permission to access my account. Never once did the Capital One employees state they were closing my account out and even sent me emails stating they could help me get back on track due to the messed up payments which was a complete lie. They do not value customers nor do they work with them. They make false statements through their employees, email communications, and letters. This company is a complete lie and I would regret anyone having to deal with these issues themselves. They closed my account out after making several payments and refused to return my money/make it credit available lying stating it would be available by XX/XX/XXXX and then closing my account the next day. This should be highly illegal for anyone to make transactions with them or have an account with a company that gives out falsified information that therefore misleads customers and coerced them into situations that they would not have agreed to had their customers like myself known the truth. Never working with them again and have since received multiple emails trying to coerce me into another card with them after they just shut my card down. Seems like a scam to try to get a bunch of individuals to pursue using their services knowing they would close their accounts for literally no reason. Bait and switch tactics are implemented by this company.