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

Consumer name : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC1681C-2 ) that you, the XXXX credit reporting agency , block information appearing on my credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information appearing on my consumer report consist of personal credit card XXXX XXXX XXXX  opened at XX/XX/XXXX, under account number ( XXXX ) in the amount of {$310.00}, A credit line worth {$750.00} in relation a company name XXXX  account number # XXXX ) OPENED ON XX/XX/XXXX. An auto loan opened XX/XX/XXXX at XXXX XXXX account number ( XXXX ) in the amount of {$10000.00} a collection accounts opened under XXXX XXXX in the amount of {$960.00} account number ( XXXX ) opened on XX/XX/XXXX that appears to be related to XXXXXXXX. An personal credit card opened on XX/XX/XXXX at XXXX  that appears to be related to XXXX XXXX XXXX account number ( XXXX ) in the amount of {$630.00}. A personal loan opened on XX/XX/XXXX account number ( XXXX ) that appears to be related to XXXX XXXX Another personal loan opened on XX/XX/XXXX in the amount of {$430.00} account number ( XXXX ). These accounts have resulted in several fraudulent and hard inquires appearing on my consumer fico credit report maintained by you which shows fraudulent items. I do not recognize the Aforementioned accounts, collections, or hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint case # ( XXXX ) as proof from the US federal trade commission that all of the aforementioned consumer report, accounts, collections and hard inquires are the result of identity theft. 


Fair solution : I request, pursuant toFCRAV605B ( 15USC 1681C-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquires identified by the CFPB Complaint from my consumer credit file within 4 business days of receiving said complaint. I request all written confirmation regarding this cfpb complaint be sent to me via email to XXXX Hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called numerous times to discuss the alleged account, but no one responded nor did I give consent for the credit card companies to give my personal information out, this violates my privacy per US congress consumer law.
Product: Credit reporting or other personal consumer reports

I am requesting that you thoroughly investigate the items and remove any fraudulent information from my credit report. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and appreciate your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX  XXXX Balance : {$29000.00}
Product: Credit reporting or other personal consumer reports

I am submitting a claim in reference to this company knowingly reporting inaccurate data.My Credit profile has been affected by these Penalties this looks suspicious and deceptive, I demand proof To See valid authorization and the validity of alleged debt. Reporting without proper disclosure Requirements are in direct violation of my XXXX, rights I XXXX XXXX legally request a description of the details of the verification process used to verify this alleged account. Federal law requires you to answer back in 30 days failure to comply with these federal regulation by the FTC u.s XXXX, et seq. ( XXXX form ) I am Maintaining careful record On my communication with your company
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX : {XXXX} XXXXXXXX XXXX  XXXX Balance XXXX {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX : {XXXX} XXXX XXXX Balance : {XXXX} TRANSUNION : XXXX XXXX XXXXXXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX Balance XXXX {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX : {$XXXX} XXXX XXXX Balance : {XXXX}
Product: Debt collection

In XX/XX/ 2021, I filed an FTC report for identity theft and sent it to XXXX and XXXX but they refused to remove this item in the amount of {$310.00}. The account was last updated on XXXX/XXXX/2021, which is incorrect. I also questioned the company 's XXXX XXXX, but they did not answer. I'm not sure where this loan originated. My bills have always been paid on time.
Product: Debt collection

I am currently being sued by Plaintiff Velocity Investments LLC and legal counsel XXXX XXXX XXXX in two separate cases. In neither case did I receive a notification of assignment from plaintiff as required by Florida law under the Florida Consumer Collection Protection Act, in order to move forward with a lawsuit. Nor did I receive a written notification of debit, validation letter of debit or a verification letter of debit as required by the FCCPA and FCRA as well. Neither of the lawsuits contain any personal identification information i.e. DOB, SSN or full legal name. Neither lawsuit contain any factual or legal information about the alleged loans themselves. Neither suit contained any repayments of loan as required by the FCCPA and FCRA. Furthermore the only personal information that Plantiff and counsel have was retrieved from my XXXX Credit report. There is also nothing on my credit report about the two alleged loans either.
Product: Debt collection

In XXXX I was the owner of a 1996 Jeep Cherokee. In XX/XX/XXXX my daughter totaled the vehicle and XXXX my insurance company paid full claim on the vehicle. I then purchased the vehicle totaled back from my insurance company for {$600.00}. 
The vehicle was sold to a XXXX XXXX, I signed the title over to him and removed my lic. tag from the vehicle. 
I was contacted in XXXX XXXX by a National Commercial Services , Inc., XXXX XXXX, stating that I owned {$3900.00} and if I did n't pay it my drivers license would be revoked, I would have a claim against my credit report and I would be sued. I informed XXXX XXXX that I did n't own the Jeep in XXXX. I had sold it way before that. He said he did n't care, that I was listed on the police report in XXXX XXXX NC and that I needed to pay. That the vehicle had hit another vehicle in the rear and the driver was XXXX XXXX, I was the owner. I again explained that was n't true. XXXX XXXX has harassed me, yelled at me in front of my employees at my bank on the phone and wo n't stop calling me. He says he is representing XXXX XXXX. I have tracked down XXXX XXXX and verified that she had the accident, was n't insured and that XXXX covered the claims because the woman she hit had XXXX. XXXX stated that she has been making payments on this same amount to National Commercial Services for six months. However they are trying to get the funds from both of us at the same time. 
I have lost time at work, personal time and have been harassed by this company. I have spoken to XXXX multiple times with no assistance. I have called the XXXX XXXX Police who stated that the info on the police report may have come from a old registration card in the car. The tag on the vehicle report was my old tag that I had long returned to DMV. 
Today at XXXX I was told my XXXX XXXX that they would remove my name from this claim because they talked to XXXX XXXX who took responsibility and said that the car was not mine but was titled in her name at the time of the wreck. Then at XXXX he called saying that XXXX would not allow him to remove my name. 
What I do n't understand is that the lady hit by the jeep was covered by uninsured motorist and it paid the claim. The claim is done and paid ... .who has the right to harass myself or XXXX XXXX for payment. 
The police report clearly states that the hit was at less than XXXX and that there was NO damage to either car. YET the people in the car hit has made claims of XXXX and XXXX of dollars for medical cost. 
I feel that there is fraud being committed here in many directions and I want this stopped. 
I should not have to take my time away from my job and family to get out of this ... it was not my car, not my wreck and not my fault. XXXX XXXX XXXX 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 NumberXXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX 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 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 : 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: Debt collection

XXXX XXXX XXXX XXXX XXXX has been sending mail to my neighbors, any relative they could find with collection slips and information regarding confidential information including the debt amount and company it is being collected for along with ways to pay. My relatives are growing increasingly agitated by these tactics and have even threatened to sue the company named above to get it to stop.
Product: Vehicle loan or lease

Vehicle was in a motor vehicle crash on XXXX, it was deemed a total loss on XX/XX/XXXX. XXXX reached out to Ally for a guarantee payoff amount. On XX/XX/XXXX, I was on the phone with Ally Financial Services and XXXX to obtain the payoff amount. Ally said on a recorded line that they were having technical difficulties and it would be there in 5 business days. On XXXX I called XXXX and Ally Financial Services failed to submit the payoff amount. On XXXX, I called Ally Financial Services and was told that it was faxed at XXXX XXXX on XX/XX/XXXX to XXXX though XXXX did not have it. On XXXX XXXX called Ally Financial Services while I was on the line and they transferred us to Total Loss which then hung up and said it was the end of the day. On XX/XX/XXXX XXXX called Ally Financial Services again while I was on the line and said it was not faxed on XX/XX/XXXX and would need to be done again. The Ally Financial Services rep said it should be there by XX/XX/XXXX and said shes sorry for the inconvenience. At this point, I am paying out of pocket for a rental because Ally Financial Services failed to complete their end of this. XXXX has also asked Ally Financial Services for a verbal payoff amount and Ally refused to provide this on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I asked to speak to a supervisor and was denied. I called Ally myself on XX/XX/XXXX and was again denied to speak to a supervisor. Ally has far exceeded the promised date of 5 business days to complete this task.
Product: Money transfer, virtual currency, or money service

RE : Bank of America - XXXX XXXX XXXX at XXXX am EST I did an international money transfer from my savings account to my French bank account. Almost immediately I received this saying the transfer was in process : Confirmation # : XXXX Amount : {$5500.00} To : XXXX XXXX Fee : XXXX Rate : XXXX USD = XXXX EUR Send on Date : XX/XX/2022 Service : International However my XXXX  bank only received the funds today at about XXXX pm EST. As a result I could not pay my rent and other bills until I took money out of a ATM machine from my checking account to deposit in the XXXX bank. There was no warning that this transfer would take more than an hour or two to process - in fact it took XXXX full days. I tried every BoA number I could find and no one would help me- they said I had to call the special number which constantly disconnected me. One person gave me the WRONG number for BOA transfers. 
This has been a constant problem with the Bank of America- the only way to get customer service to even talk to you is to call the credit card number and claim it was stolen. And then they usually won't help as " that is another department. '' When I have problems I have been told to come to the bank- I live in XXXX so it is not an option. Once when I did lose my credit card the morons sent me another card with the same number. By the time I figured it out someone had charge over XXXX euros. Then I was told there were several amounts that I had to go directly to the business ( in this case it was XXXX, fr ) to get my money back. So we were out several XXXX XXXX. 
Also they ask for an account number to get you to a human- we have XXXX accounts = by the time we finish typing in the second account number we are ALWAYS disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card

I called discover about a miss payment on my credit report and they told me they never reported that to the credit bureaus. They told me to call the credit bureaus companies. When i called XXXX XXXX they told me that Discover did reported that and they advice me to put a complain. Transition is willing to get it off my report i just need to place this complain.
Product: Credit reporting or other personal consumer reports

lendmark fin opend a account in my name and social thru id theft i have disputed this many times with them also have sent in a police report which they acknowlege they recived but yet still will not remove from my credit report still trying to put thru hoops saying contact another dept in there company im the victim and get treated like a criminal who ever answering these claims surly does not know what there looking at on police report the recived in 2021 if not removed immeditaly lawsuit actions will be taken under the fair credit report act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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: Debt collection

Unsure of validity of this debt and need to understand exactly what this debt involves. I am not sure if this is even a debt that I should be responsible to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer credit reporting agencies are violating the FCRA. Pursuant to 15 u.s.c 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 u.s.c 1681 is the same as it is under 15 u.s.c 1602 ( I ), which is " the term " credit card '' means Any card, plate, coupon book or other credit device existing, for the purpose of obtaining, money, property, labor, or services on credit. '' Notice Congress said Any card. The credit card is my social security card. I used This credit card to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 u.s.c. 1681a ( 2 ) ( B ). The reporting agencies are violating 1681a ( 2 ) ( A ) ( i ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under Title 15 XXXX XXXX 

XXXX XXXX account number ending in XXXX balance {$1200.00} acct XXXX XXXX balance {$1200.00} XXXX XXXX account number ending in XXXX balance {$2100.00} acct XXXX XXXX  balance {$2100.00} XXXX XXXX account number ending in XXXX balance {$320.00} acct XXXX XXXXXXXX balance {$320.00} XXXX XXXX XXXX XXXX account number ending in XXXX balance XXXX XXXX XXXX account number ending in XXXX balance {$10000.00} acct XXXX XXXXXXXX balance {$10000.00} XXXX XXXXXXXX XXXX account number ending in XXXX balance {$800.00} acct XXXX XXXX balance {$800.00} XXXX XXXXXXXX XXXX  account number ending in XXXX balance {$500.00} acct XXXX XXXXXXXX balance {$500.00} These are violations!
Product: Debt collection

I have disputed this debt numerous times as the interest is almost 20 % of the debt amount and this debt should have been paid by insurance. XXXX XXXX XXXX was given the insurance information after the service over the telephone and was to bill insurance. In checking with the insurance company this was never done. This is not my fault at all and every time I ask for information I receive a form letter stating that there is no new information regarding my dispute and they will leave it on my credit report. Because of the collection agencies actions I am filing suit against XXXX XXXX XXXX and CPI for failing to remove this and bill insurance that was provided.
Product: Debt collection

I continually get contacted by people from Excella recovery group. I have paid multiple times on payday loans that I took out a few years ago. This time I was contacted by XXXX XXXX calling from XXXX, she gave me XXXX to call back if we were disconnected. I asked her what this was about and she said that a payment I had setup months before had just shown up in their database as declined. I did setup a payment ( I feel this is a scammer and that was my last payment to a scammer. ) but it was n't ever attempted to pull from my account. When I asked her for the original account number, she stated she had been given an incomplete file and hung up on me. As I think this is a scam, I have n't called them back and she has n't returned my phone call. This company has contacted my family and told them I owe this debt ( which I know is against the law ) and I do not need that happening to them again.
Product: Credit reporting or other personal consumer reports

I filed a couple of complaints through CFPB about Equifax because incorrect credit record. They retaliated me by lowering my credit score significantly to punish me. Please update my credit score by using correct and updated data.
Product: Credit reporting or other personal consumer reports

The account is from XXXX XXXX XXXX on behalf of XXXX in the amount of {$890.00}. I have no knowledge of either of these companies, nor was I contacted or notified of any such charges. All of my personal accounts are in good standing. I would never allow anything to go into collections. Upon my own research, there have been numerous instances of this same exact thing happening to other people. I have attempted to contact this company without success, the number given was provided after speaking with Experian. I need this removed from my credit report immediately because it's hindering me from obtaining my financial aid for medical school. This is URGENT.
Product: Credit card or prepaid card

Paypal Credit Card Mastercard, It's been over a month trying to get a replacement card. I called them 3 times and spent over an hour each time trying to get my card sent to my home, still no card. 

They have the absolute worst customer experience, I literally had a rep tell me to try and go to the XXXX XXXX XXXX to try and get my card that was being sent back to Paypal since they put an incorrect address, I legit had to try that option but I couldn't. They made the mistake of putting the wrong address, then I opted for the card to be mailed and still no card. 

Still no card, I ask them for a resolution -none offered. They don't care and I regret even having an account with them. 

There customer service is atrocious, they keep you on hold forever and send you to several departments.
Product: Mortgage

I have applied and received assistance to bring my mortgage current. After my forbearance period I advised M & T that I applied for New York State Homeowners Assistance Fund. My account was approved and the balance has been Paid. However M & Ts single point of contact team keeps calling saying its an attempt to collect a debt and stating they have to go over options with me. I advise the representative that I am current and she confirmed that she see this information. She said well how are you going to pay for XX/XX/2023, has your income changed will you need to explore other options like a short sale. I was very upset and felt that M & T is harassing me and integrating me. I immediately call my non fee attorney and she suggested that I do this because they have a history of wrongfully calling and harassing clients.