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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When going over my credit report I noticed that XXXX XXXX had a few errors with XXXX reporting I never missed a payment and trans union saying I was over XXXX XXXX late and XXXX havent a different date the last activity varies from account to account this account is filled with false information I wished to have this account removed due to the errors they made on my score fore years this had a drastic effect and I would like to have this deleted
Product: Credit card or prepaid card

Discover bank is doing fraud with me, they have nothing else to do, I filed a dispute of {$33.00} which was done with the merchant " XXXX XXXX XXXX XXXX XXXX XXXX '', first discover gave me a credit and later after many days sent me an email stating they are reapplying the credit as they need to do further investigation. ( please see attached files, it seems discover ultimately charged me the money ) They first gave me a credit and then doing a debit now and if the investigation will be found in my favor will again give me a credit, why they have to go through all this when they can just give me a final credit after all the investigation is complete. 

this whole process is just to make the customer confused and do fraud with the customer.
Product: Mortgage

18 usc 8 obligation or other security of the united states. 
42 usc 408 penalties 15 usc 1602 definitions and rules of constrution 31 usc 5118 gold clauses and consent to sue 12 usc 1431 powers and duties of banks ucc 3-104 negotiable instrument HRJ 192 15 usc 16930-1 remittance transfers These are just a few of the many laws being violated by Freedom mortage. as a private consumer I have rights protected by the uniform commerical code. my wet ink signature created a consumer credit transaction, which paid the debt in full. freedom mortage sent deceptive communications pretending i owe a debt that does not exist every month.
Product: Checking or savings account

On XX/XX/year>, our checking account was hacked. XXXX Bank allowed someone to create a XXXX account on our account. I have never had a XXXX account. After that the Bank allowed XXXX XXXX transactions totaling {$1000.00}. They sent passcodes to the hacker as well as to our cell phones. We were eating XXXX XXXX dinner and opening gifts with our family. We were not conducting business of any sort. We were not using our cell phones. We were using the notebook to track XXXX around the world. We did not request the XXXX account. We did not authorize the deduction from our checking account. The Bank and XXXX know where and to whom they sent the money but are doing nothing to get it back. XXXX said it sent the codes, so it is the XXXX 's fault. XXXX says XXXX is a third-party and they are not involved. XXXX has a partnership agreement with XXXX- we do not. XXXX created the XXXX account- we did not. We never used the passcodes. Someone hacked their system and received and used them - we did not. They need to track where the codes came from. We didn't do anything and can't do anything to fix it. XXXX and XXXX created the problem and now they don't want to fix it. They need to investigate where they sent the money and get it back. We are retired and need our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Cash Call Mortgage Company ( CCM ) located at XXXX XXXX XXXX XXXX, CA XXXX ran my credit without my permission. I found out through notification from my credit company ( XXXX ). I called chase and asked to freeze my credit. This is an identity theft.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, {$370.00} not remove XX/XX/XXXX, {$0.00} not move XX/XX/XXXX. {$11000.00} not move XXXX XXXX. $ {$640.00} not move
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RECEIVED NUMEROUS PHONE CALLS FROM COLLECTIONS AGENCIES ABOUT ACCOUNTS I HAVE NO IDEA ABOUT. I EXPLAINED TO THE INDIVIDUALS I SPOKE THAT THESE ACCOUNTS DID NOT BELONG TO ME AS I HAVE NEVER RECEIVED OR SEEKED ANY FORM OF SERVICES FROM THE COMPANIES THEY'RE TALKING ABOUT. I WAS ADVISED TO FILE AN IDENTITY THEFT REPORT WITH MY POLICE DEPARTMENT. I DOWNLOADED A COPY OF MY CREDIT REPORT FROM EXPERIAN.COM AND FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I WAS ADVISED TO ALSO FILE AN FTC REPORT AND TO CONTACT THE CREDIT BUREAUS AND INFORM THEM THAT I AM A VICTIM OF IDENTITY THEFT. I AM VERY CAREFUL WITH MY INFORMATION AND I AM VERY SHOCKED SOMEONE COULD DO THIS TO ME. I HAVE NO IDEA WHO USED MY PERSONAL INFORMATION AND I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND I AM TRYING TO RESTORE MY IDENTITY AND PREVENT THIS FROM EVER HAPPENING AGAIN. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX  XXXX OK XXXX XX/XX/XXXX XXXX XXXX   XXXX / XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Product: Debt collection

Repeated calls. Personal and work place. Calling my work place on a number I did not give out. I do not know this debt nor did I agree for my information to be sold.
Product: Debt collection

XXXX XXXX XXXX {$310.00} PAID Wont remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to resolve these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX
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 name : XXXX, Account name : XXXX, Account name : XXXX  XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX , Account name : XXXX XXXX XXXX XXXX , Account name : XXXX XXXX, Account name : XXXX/EQUIFA, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account XXXX : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX  XXXX, Account XXXX : XXXX XXXX  XXXX, Account XXXX : XXXX XXXX  XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681, Section 602A states : I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of convictions of crime that antedate 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: Payday loan, title loan, personal loan, or advance loan

Complaint against Wilshire Consumer Credit I applied for a title loan from Wilshire Consumer Credit around XXXX of this year and was approved for a {$2000.00} title loan. Although I only needed a few XXXX dollars, this creditors minimum loan amount was {$2000.00}. I accepted the loan, signed the contract, and requested the funds be direct deposited. When the direct deposit failed, they overnighted me a check. 

Upon receiving the check, I investigated the company more thoroughly and discovered their disreputable reputation, numerous complaints, and unfavorable loan terms. Consequently, I decided against taking the loan. While I needed the money, I did not need it badly enough to proceed with such a problematic lender. 

I returned the uncashed check to Wilshire Consumer Credit via certified mail. The check was never cashed or deposited into my bank account. Since the check was uncashed, the funds never left the custody of the creditor. I did not receive any benefit from this loan. 

I called Wilshire Credit almost daily to inform them of my decision not to proceed with the loan. Each time I called, I spoke with a different representative who provided conflicting information and appeared unaware of my situation. Despite my repeated requests for them to put a stop payment on the check, they refused. 

On Saturday, XX/XX/XXXX, my car was repossessed, or more accurately, unlawfully taken. Wilshire Credit is now demanding {$700.00} for the release of my vehicle, plus storage and tow fees. 

There is no way I will make a payment on something I never received. This company is acting in complete disregard of the law and common sense. 

I request the immediate return of my vehicle and the cancellation of any associated charges or fees. I also demand that Wilshire Consumer Credit correct their records to reflect that I did not receive any funds from this loan. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is not an error or misunderstandingI am reaching out because my credit report contains incorrect and mixed information that does not belong to me. I have repeatedly come across unfamiliar accounts, transactions, and items that I have no association with. This situation is deeply concerning and is taking a serious toll on me, causing unnecessary stress and XXXX.
Product: Credit reporting or other personal consumer reports

I believe a few accounts listed below have violated the Fair Credit Reporting Act in terms of accuracy and my privacy. 

XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A says i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 says a Consumer reporting agency can not furnish an account without my written instructions ( The bankruptcy courts do not provide information to the credit bureaus. The credit bureaus collect information regarding bankruptcy cases from the Bankruptcy Courts public records. No matter the status of your case ( open, closed, discharged, dismissed ) 15 U.S.C 1681s-2 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate.

I also was never given the opportunity to check or dispute information on these accounts, if you believe you have proof of my acknowledgement and receipt of the information on these accounts please provide this proof with my name and signature of acceptance if you have sent certified mail please provide me the receipt with my signature these accounts are hurting my efforts to reestablish credit since my bankruptcy
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 XXXXXXXX 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 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, credit repair services, or other personal consumer reports

i have been paying my mortgage bi monthly, every two weeks i get a call from home point and explaining how i get paid on the XXXX snd the XXXX of every month, bank statements to show this, they reported XXXX payment 30 days late, which is not by the letter for homepoint stating it was up to date, they sent a letter stating they will not fix it
Product: Debt collection

The company of Convergent Outsourcing seems to have purchased debt I supposedly owed from another collections agency. However, not only was the account not mine in the first place, I already got the collection removed from my credit score several months ago, making this a repeated attempt at trying to saddle me with debt that is not mine. It also seems like the debt is being marked as new, making it so that it is on my credit report for longer. One last thing Is like to not is that I never even received any sort of communication from this company.
Product: Credit reporting or other personal consumer reports

Hello! So long time ago I registered at Equifax, and I even forgot about that.That id why, I haven't informed them about my address changed. When my XXXX XXXX  app started new service - showing credit score with three companies, I was shocked how low credit score I had with XXXX. I went on their website, I checked my report- it was stated I had a debt collection with XXXX XXXX XXXX and XXXX XXXX which never happened. I must notice, that it was on my old address, wich I wasn't living over half a year already. I rase a dispute with XXXX, but they said, information is correct. I contacted Anglian water and XXXX XXXX XXXX XXXX they both confirmed, they NEVER had any debt collection on MY name, on any adress. XXXX XXXX even send me a letter on my request, confirming that. I gave all that to XXXX - again they are stating that information is correct. I believe, this company is very unprofessional, and they requested information for the Address, without even checking the name, and they aren't able even to fix in their system, that I wasn't living there already over a year. So they are ruining my credit score and financial reputation and are helpless in this case. I must also say, I have a good credit score with other companies and my bank - this definitely proves, that XXXX is in wrong but they refuse to fix it. I'm already very stressed about that, and I spent to much time already trying to fix it. Help, please! Thank you!
Product: Debt collection

NCB MANAGEMENT SERVICEIS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND NCB MANAGEMENT SERVICEIS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. NCB MANAGEMENT SERVICEis in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employmentXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX XXXX and Experian they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal. This is a nightmare. They have been in violation of the FCRA and CFPB under 15.U.S.C 1681 604 the right to consumer privacy. Please remove this from my credit profile.
Product: Checking or savings account

On XX/XX/XXXX, I needed to get into the bank {$180.00} so that I could cover the debits charged to my account that day along with the overage from the day before so that I would not incur the {$170.00} overdraft fee. I did so by transferring {$180.00} into my account before XXXX XXXX. I even checked and I was left with a $ XXXX balance. 

Today I went to my account to find other debits that were not there yesterday. So with this additional debits, the {$180.00} I deposited did not these phantom charges so the {$170.00} overdraft fee was charged to me. 

This wrong to insert debits that were not there as of XXXX XXXX on the XXXX. If they were there I would have made sure to have covered them. Why would I only get {$180.00} into my account if more was required so that I would not get charged {$170.00} overdraft fees. 

On the XXXX, I also deposited {$210.00} into my other checking account so if those debits were there than I would have had the additional money to deposit. I would have just deposited less in my other checking account and more into the checking account in question if the charges that are there now were there yesterday evening. 

There were additional debits charged to my account that were not there at XXXXXXXX XXXX  yesterday evening. They must have been added after XXXX XXXX which then should have made them be withdrawn on XX/XX/XXXX not XX/XX/XXXX. 

I wish I would have taken a screen shot of the positive balance that I had yesterday evening after making my deposit. I am having a hard time with needing to be distrustful of bank accounting so it did not occur to me to take a screenshot so that I had proof just in case my bank tried to pull the wool over my eyes by adding additional debits that were not there prior to XXXXXXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my consumer report and recognized an outdated and incorrect information on my personal information that needs to be updated. I am updating my Experian personal information on my birth year which is the year XXXX not XXXX, so please delete XXXX and replace the year with XXXX which the year I was born. Please delete the following addresses XXXX XXXX XXXX XXXX XXXXXXXX MD XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX for these are outdated addresses I no longer live at. When disputing, experian does not give me the option to say these address are no longer where i live at. On my consumer there are XXXX different names in my personal information so I demand Experian to delete the name XXXX XXXX XXXX for the possibility of identity theft and to update the current name as XXXX XXXX. I have attached my drivers license with the current address and updated information to confirm.