23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Credit Reporting agency has violated my consumer rights. After reviewing my credit report I noticed several inaccuracies, duplicate accounts, accounting errors, inquiries I did not authorize. 

The complaints were mailed on XX/XX/XXXX. XXXX by certified mail and the credit reporting agency failed to complete an investigation within 30 days. FCRA Section 623 ( a ) states that a furnisher of consumer credit reporting must correct or delete any inaccurate information within 30 days of a dispute. XXXX failed to provide any response or even an acknowledgement of my dispute letters. The following accounts are in dispute : XXXX XXXX XXXX Account # XXXX - XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act also stats that consumers are not to have duplicate reporting of any account on their credit report. The following accounts are duplicates : XXXX XXXX XXXX Account # XXXX - LISTED 2 TIMES XXXX XXXX Account  # XXXX - LISTED 5 TIMES The following companies are reporting inquiries on my report that I do not recognize. CFPB 12 CFR Part 2002 Equal Credit Opportunity Act - states protects any consumer applicant from discrimination of credit transactions. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 states a consumer reporting agency can not furnish an account without my written instructions.

I have highlighted only a few of violations committed by this agency against me. I demand all the above information be removed from my credit file immediately. XXXX has had more than enough time to investigate, validate for accuracy and provide me this documentation and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. Please update or correct this immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} US DEPT ED XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} US DEPT ED XXXX : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX : {$4700.00} XXXX XXXX XXXX XXXX : {$7100.00} US DEPT ED XXXX : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX : {$0.00} XXXXXXXX XXXX****Balance : {$0.00} XXXX XXXXXXXX : {$0.00}
Product: Debt collection

I requested validation of this so called debt. The validation was never received. I tired this twice. The dispute was supposed to be over with on the XX/XX/2015. I thought this was taken care of because i called them asking to remove it from dispute. It is showing up as " in dispute '' ( see attached ) and should be resolved over 2 months ago. 
Due to this I have been denied my mortgage because the underwriter will not accept my file until it is out of dispute. I have faxed them to pull it out of dispute because i disputed it back on XX/XX/2015, and still showing " in dispute ''. I know my rights and i know that under the Fair Credit Reporting Act and/or The Fair Debt Collections Practices Act this should be out of dispute. This company has caused me so much grief with my family and i need it to end. I am going to fax them one more time to take this out of dispute as it should no longer be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter due to 10 fraudulent and unauthorized inquiries on my credit report. I placed a freeze on all three of the credit bureaus because of these and Transunion has yet to remove them.. 

Ive included the letter and a copy of the inquiries from my credit report
Product: Money transfers

I paid a deposit for a stay at a surf camp in XXXX via paypal but the recipient was a ghost account. The surf camp is reputable, it has a paypal account at XXXXXXXXXXXX. I sent the deposit to XXXXXXXXXXXX, who took the money, but did not provide any service, or provide a refund despite requests. The owners of that acount set it up just to receive payments made to the wrong address. They also set a XXXX account to attract people to pay for services that it has no intention of supplying. Paypal refused to reverse the payment : the complaint procedure person did not understand the issue and incorrectly closed the complaint in contradiction to Paypal 's published policies on fraud. This is a repeated problem for the camp owners, and a clear case of ghost-account fraud, but paypal refuses to act to protect customers from this fraud.
Product: Bank account or service

My home is being repaired right now due to a sewer leak. It has rendered it unlivable, therefore I am living in an apartment until all the repairs are finished. I have been living in an apartment since XX/XX/XXXX. 
About 4 months ago, I realized that my card had not come in the mail, I was still receiving mail at my home, and I called the bank, US Bank to inquire about it. They said it had been activated and there were multiple charges and PIN authorized charges as well. They filed a dispute and issued another card to me and gave me provisional credit. 
Come to find out this was not the only card they had sent out, and not the only card that was stolen from my mail. This went on for about 8 months. I had XXXX checking accounts so the XXXX I always used was fine, it was the other XXXX that the card never seem to come that was getting abused by thieves that had m been stealing my mail. Also they were ordering items and having them delivered to my address, at XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
They got into my house as well and went through my files, now they have a copy of my ID and all my account numbers as well. This is now a full blown identity theft case. 
Now the bank froze both my accounts and they have taken {$11000.00}. Out of my main compromised account and they can not find it. 
They closed another account that had {$1100.00} it. I have yet to receive a check or heard any thing about my funds yet. They were closed XX/XX/XXXX. 
Also, XXXX of the account was compromised with an automatic withdrawal. They closed that account due to the thieves having my account number and opened me another account. Then closed it. Now, just the other day I look on their website and they have reopened the closed compromised account, and there are multiple unauthorized automatic withdrawal from XX/XX/XXXX. I called them about this and they told me that it was reopened from Fraud Prevention to give me provisional credit for some of the debit card charges from months prior. 
I told them it had been closed by me because of the automatic withdrawal that happened about a month ago, and they think that the new account ending in XXXX was the account that was compromised and not the original account. Note : The new account was also closed by them for unknown reasons. 
They are dealing with this very unorganized, they are not informing me of anything going, especially where my funds are. I am scared they lost them. I need some help dealing with them because I seem to get a different answer every time I call them. Explaining the situation over and over again. Last time I spoke with them, last Thursday XX/XX/XXXX, they were talking like the accounts were abused by me and that they were investigating me now,. I am the victim of a major Identity Theft and I want to use my rights against the banks accusations and I want them to find and released my money to me. If they do n't I might lose my house and car.
Product: Credit reporting or other personal consumer reports

I opened an auto loan with the company XXXX ( account number is XXXX ) on XX/XX/XXXX and made my last payment to payoff the car on XX/XX/XXXX. Every single month I paid on time, I had excellent payment history with this auto loan, but for some reason on my credit report it shows no payment history at all. I don't even know how something like that is possible. Please help me to correct this issue because its really affecting my credit report negatively. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. 

I have already filed complaints against the creditors listed above with the Attorney General in their states as well as with other pertinent and applicable law enforcement entities.
Product: Debt collection

The company that called is revsolve inc.. The number is XXXX.. They have been harassing my personal cell number which is a do not call number. Secondly both the Representative and supervisor would not acknowledge that it was a debt collector, or.explain what there company but give me there company name.XXXX they were trying to obtain the debt. I spoke to them many times, to have my number removed from their call list. The person they 're asking for, which they gave me their information, does not have this number. I 'm not aware of all the laws, but I 'm pretty sure if you 're trying to collect a debt you have to be notified of that. Secondly I 'm assuming it 's not good practice to have a debt collector call your personal cell phone. I hope this gets resolved, and I hope the FTC or some other government agency can look into their bad practices. Thank you
Product: Debt collection

I don't have knowledge of this account nothing in mail with information about this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting into Experian XXXX and XXXX inaccurate information that was removed from my Experian report due to Identity Theft in XXXX XXXX XXXX XXXX XXXX. I was denied housing on XXXX XXXX XXXXXX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.
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 : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : DEPTEDXXXX : Account XXXX Account Name : DEPTEDXXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : ( Original Creditor : XXXX XXXX  ) : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

The following hard inquires I have no knowledge of as I did not authorize / apply for any of the following : XXXXL XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

O n   XXXX   XXXX   XXXX   I receiv ed a call on my cell number from collection. Demanding a payment over the phone of {$1000.00} otherwise they will report to credit bureau. After the initial shock I asked for more information. I was informed that they partner with  XXXX  and since I did n't make a payment of {$1000.00} on time to  XXXX  they sent my claim to collection.   To begin I never received any bill or invoice in the mail, never received a phone call from  XXXX . I was also informed that the claim was for insurance deductible. But my insurance  XXXX  which I still have never claim that payment either.   Immediately after, I called  XXXX . I was transfer many times and nobody could explained to me why and who transfer the claim to collection. They all said the same to call collection because my information was no longer available to them. I asked to speak with a supervisor and I received the same answer. I called back collection but they said the answer to my question was with  XXXX . The played me really bad, and then the threats to my credit began. Same date I submit a claim to BBB complaint ID #  XXXX . O n  XX/XX/XXXX  I r eceived a letter indicating that  XXXX  had not responded to their letters they sent on my behalf.  XXXX   XXXX   XXXX  I found that  XXXX  had file a negative report on my credit.
Product: Debt collection

Please see attached request. Please make sure pioneer does not contact me by telephone and communicates in writing only. I am also represented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by  XXXX   XXXX . I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it.
Product: Debt collection

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX JPMCB CARD {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Product: Bank account or service

Someone used my paypal account and linked XXXX XXXX checking account to make XXXX transactions NOT authorized by me. XXXX happened on XXXX for {$220.00} from code XXXX and XXXX on XXXX for {$210.00} from XXXX ( notes saying code XXXX ). Paypal was able to refund the first but closed the second with nothing found.I changed passwords since then, today, on getting the resolution, I was again not able to log into paypal and had to reset passwords again. 
Simple XXXX search for XXXX " site may be hacked ''. This looks like a broad issue, where someone tried and was able to move the money outside US and now paypal is not helping looking into issue. I dont have any way to disconnect my bank from paypal and paypal allows people to pull money from bank instead of CC even my setting is to use CC first. 
This is unauthorized and I dont even know these people/firm/company or ordered anything from them. I need help to resolve and get my money back.
Product: Credit reporting

" XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen
Product: Checking or savings account

Wells Fargo denied an increase to my business line of credit I was given no accurate or fair reason for the denial of an increase. I have no missed payments and XXXX XXXX of XXXX.
Product: Debt collection

I applied for and was approved for an apartment at XXXX XXXX XXXX in XXXX, Texas. My plans changed before I signed the lease and they told me I owed them {$75.00} even though I never moved in. I asked for an explanation of this charge and received no response. After I told them to cancel my application they continued to send me welcome emails and move in notification notices. Now they sent me to collections for a debt they could not explain to me.
Product: Mortgage

I have had my home and the same mortgage company since 2015 I believe. I have made every single payment on time up until Covid-19. I filed the correct paperwork and I called my mortgage company to opt for the deferred payment plan. I'm now receiving bills that say I owe over {$11000.00}, my credit score has taken a complete dive and now its about a XXXX which is absolutely awful. 
I've called Loancare over 10 times, get put on hold, get a supervisor with promises to call back the next day and never do, got an email stating I would hear back with 15 days which never happened. 
This is the time for people to refinance their homes because of the rates and I'm not able to because it looks like I'm currrently behind in my payments. 
Since my restaurant reopened and I was back to work I started to once again make my payments on time after the 90 days that I asked for. 

I'm currently on the phone with them as I type this and again I'm being given excuses and told a supervisor will have to call me back. 

There must be something someone can do to help me.
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 from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance to the fair credit reporting act XXXX  account below has violated my rights 15 u.s.c 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions NATIONAL CREDIT SYSTEM Original creditoXXXX XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/20XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE Balance {$6400.00} Updated on XX/XX/2022 XXXXXXXX XXXX XXXX/ POTENTIALLY NEGATIVE Balance {$9300.00} Updated on XXXX
Product: Money transfers

I was asked If I was interested in making money weekly. I was told I can change my XXXX into XXXX. He informed me that I could send the money to ANYBODY I wanted to and he was going to add a XXXX to the end and that and send it back to me. All I had to do was send him half. 
Ex. I send {$150.00}, he goes in the system and add a zero ( {$1500.00} ) and I was supposed to send him {$750.00}.
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 : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX has violated my rights. Or 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.