23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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, 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

CFPB Complaint against XXXX XXXX XXXX XXXX. Introduction I am filing a complaint against XXXX XXXX XXXX ( XXXX ) for violating the Fair Debt Collection Practices Act ( FDCPA ). 
II. Creditor and Debt Information Collection Agency : XXXX XXXX XXXX XXXX XXXX [ Unknown ] Account Number XXXX Amount of Alleged Debt : [ Unknown ] XXXX. Description of XXXX XXXX has not provided debt validation information. I have not received a debt validation notice that complies with 12 CFR 1006.34 ( b ) ( XXXX ). Despite the lack of validation, XXXX placed a collection account on my credit report. 
I have not been given a chance to dispute the debt. XXXX did not provide a process to dispute the debt in accordance with 12 CFR 1006.34 ( c ) ( 4 ). 
XXXX is using false or misleading representations. XXXX 's collection efforts violate my rights by using false and misleading information. 
XXXX failed to provide required disclosures. The collection agency did not furnish any disclosures required by law before placing the collection on my credit report. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( A ). 
IV. Debt Verification and Communication I am requesting debt validation information from XXXX in accordance with 12 CFR 1006.34 ( b ). 
I am also requesting a copy of the purchase agreement between XXXX and the original creditor. 
I request that XXXX cease all communication attempts with me via phone calls, text messages, and email until they have furnished debt validation and proof of licensure. 
V. Relief Requested I request that XXXX remove the collection account from my credit report. 
I request that XXXX cease all communication attempts until they comply with the FDCPA. 
I request that XXXX be fined for violating the FDCPA. 
VI. Supporting Documents ID and Proof of Address XXXX. Conclusion Thank you for considering my complaint. I look forward to your response and a resolution to this matter. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX Please note : Consumer Financial Protection Bureau XXXX XXXX XXXX : XXXX.
Product: Credit card

The bank is reporting an incorrect address to the credit bureaus. I been trying to correct this information by calling the banks customer service phone numbers : XXXX. The credit card accounts that are being reported to my consumer credit reports are closed. The main problem is that I'm confronting is that my social security number do not match with the bank information system, making impossible to customer service representatives correct my mailing address on system.
Product: Credit reporting

I have attempted to submit a dispute on XXXX site, when I enter my information it tells me that my information entered is incorrect and forwards me to an open webpage. I have free formed my dispute twice and received not response or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is making a fortune selling their services to many company 's as a verification process. so much so that many banks and company 's rely 100 % on this as their only way to verify a customer. I have not been able to pass a verification ever. I have requested reports many times and when I did get them None of the information that is causing me to fail the verifications are on there. I have put out so much effort to fix this issue. It is causing me so much problems and is affecting me financially. For example Today I can not electronically my tax document to be processed before the deadline. My CPA uses a company called XXXX and they only use LexisNexis. So now I will have to get my tax returned Mailed to me so I a manually sign. Then mail them back and that process will take longer than I have. because the Deadline is the XXXX. I also cant ever verify with XXXX. there I have a checking account and savings account and multiple credit cards. I also have home and auto policy 's with them as well. This is getting stupid how horrible this is and I cant get anyone to help me at all. I need real help. A person that understands English has authority to fix my problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience has failed to respond in a timely manner to my dispute letter of XX/XX/XXXX and XX/XX/XXXX deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

A complete investigation was never done. It was past the time and they continue to not have a complete investigation. They send me letters that dont believe its me and Ive verified its me by sending proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been forever since dealing with this company and having them proof that the actual misinformation on their report belongs to me. As a victim of multiple identity theft issues I find it disgusting that they are not held to the same laws as everyone else and complying with FCRA rules. It has been beyond frustrating trying to deal with getting them to comply with the rules that follow and protect ID theft victims and maintain the integrity of credit reporting.
Product: Credit reporting

This company XXXX shows I have an open account balance from XXXX XXXX 2015. I have not opened or have had an account in the past 7 years with XXXX and never had any balances due.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were beginning the process of applying for a mortgage last summer and began association with the company XXXX XXXX. XXXX XXXX did a hard inquiry at that time on my credit which was good and close to excellent. XXXX XXXX proceeded to do hard inquiries at least three more times XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX without my authorization which consequently has brought my credit down to an official " fair '' condition. I am paying an unfair consequence for actions this company took without authorization.
Product: Debt collection

The North Shore Agency debt collection agency attempts to collect {$100.00} for the XXXX XXXX ( Creditor ) Account # XXXX It claimed that they sent me jewelry in which I had never ordered nor did I receive it.

The debt collection agency web is XXXX The automated attendant toll free number is XXXX The address is North Shore Agency -- XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX XXXX 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 consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is In Violation Of My Consumer Rights & Is Way Passed The 15 day Mark Of The Reinvestigation Of A Fraudulent Account That Was Opened In My Name & Still Has Removed It From My Consumer Report I Sent My Dispute On XX/XX/2023 It Was Received On XX/XX/2023 The Account List That Is Under Dispute But It Still Report On My Consumer Report & This Inaccurate Information Is Causing A Affect On My Living Situation Currently
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and Equifax all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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
Product: Credit card

Best Buy/Citibank wrongfully claims that I owe over {$8000.00} worth of fraudulent transactions which appeared on my account late last year, XX/XX/2023. I have been defending my innocence ever since then, but Best Buy/Citibank ( BB & Citi ) refuses to re-open my claim since I allegedly do not have any evidence to prove my innocence. 

However, the evidence that BB & Citi has sent to me, which is documentation from various merchants involved in the fraudulent transactions, explicitly name a " XXXX XXXX '' as the individual who made these purchases. " XXXX XXXX '' is NOT my name, nor is it an individual who I know or ever heard of. Furthermore, some of the transactions state that this person made the purchases from places like Florida and XXXX, and I most certainly do NOT live or have ever lived in any of these places. 

Before this arduous incident, my credit score was sitting at a XXXX, and now, because of BB & Citi 's incompetent investigation, it has sunk to about a XXXX. I did NOT make any of these fraudulent transactions that BB & Citi claims I am responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has conducted a hard inquiry against my credit and it is on my XXXX XXXX XXXX credit reports. I have no accounts with them have never applied for anything through them and they agree upon discussion with them. But they can not provide any details or do anything about the inquiry. In short, there may be a credit card out there which I have not applied for being used by someone not me. I have worked hard to have perfect credit. And this unauthorized inquiry is now on my report, and maybe worse in ongoing. It is boggling to me that they can just say sorry we have no record of this when it is clearly in their systems and there is a hard record of their inquiry. They even called me with a potential fraud alert ( no idea how they got my cell phone number ). That is the only reason I knew it was ongoing. 

Inquiry details : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX DE, XXXX
Product: Credit reporting

XXXX XXXX is still reporting a debt that was discharged in bankruptcy. Partial Account number XXXX is still reporting a balance of {$760.00}. I would like this updated to Included in Bankruptcy and balance reported {$0.00}.
Product: Money transfer, virtual currency, or money service

This is about the complaint ID XXXX Case is not close .I do reject the settlement offer by XXXX. 
Attached his letter dated XX/XX/2021 and my response dated XX/XX/2021XX/XX/2021
Product: Debt collection

This company is serving papers to my husband whom Im legally separated from rental property in XXXX XXXX XXXX that I dont live at. My mailing address and living address are both different from whatever address they are using to sue me and try to collect judgments. I was also the victim of credit card fraud massively in 2019 with all my other creditors, and had put a block on my credit at that point because someone else charged all of the debt and I do not owe it.
Product: Mortgage

I am filing this complaint against Planet Home Lending and their investor, XXXX XXXX and XXXX XXXX, due to their refusal to issue necessary Form XXXX for my mortgage loans, which are in my name and tied to my Social Security number, not a company. 

Details : Properties and Loans Involved : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IN XXXX Loan Origination and Servicing Timeline : The loans were originally issued by XXXX, which provided Form XXXX for these personal mortgages. 
The loans were then transferred to Planet Home Lending, which is now refusing to issue Form XXXX, claiming they are commercial loans. 
Dates and Actions Taken : XX/XX/XXXX : I received Form XXXX from XXXX for both properties. 
XX/XX/XXXX- XX/XX/XXXX : Loans were transferred to Planet Home Lending. Despite multiple requests, they have refused to issue Form XXXX. 
XX/XX/XXXX : Contacted XXXX XXXX and XXXX XXXX, the investor, urging intervention. No response received. 
XX/XX/XXXX : Formal notices sent to both Planet Home Lending and XXXX XXXX and XXXX XXXX indicating the intention to file a complaint with the CFPB. 
Impact : The refusal to issue Form XXXX has caused significant tax complications, including potential penalties and incorrect tax filings. The misclassification of these loans as commercial despite being personal mortgages in my name is not only inaccurate but also financially damaging. 
Attachments and Evidence : I have attached all relevant documents, including correspondence with Planet Home Lending and XXXX XXXX and XXXX XXXX, the original Form XXXX from XXXX, and proof of my personal mortgage status. 
I urge the CFPB to investigate this matter and ensure that Planet Home Lending and XXXX XXXX and XXXX XXXX comply with the necessary tax reporting requirements to resolve this issue promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am in collections over two different fraudulent charges I did not make. 
I have a charge from XXXX which is in collections at XXXX XXXX over an XXXX XXXX for {$120.00}. 
I have a charge from XXXX which is in collections for {$260.00}. 

Regarding the XXXX XXXX XXXX XXXX I have made over 30+ attempts via phone to both companies to remove this charge from my name due to it being fraudulent. I was notified of this charge in XXXX via phone from XXXX XXXX, and I have been trying to fight it ever since. I have done multiple 3 way calls between myself, XXXX and XXXX XXXX. It has pretty much not gotten anywhere, and its mainly because XXXX XXXX  wont do their part. XXXX has already realized I did not make the charge for the XXXX XXXX so they removed it from my account and placed it on the correct persons account months ago. But because XXXX sent me to collections, they stated they needed XXXX XXXX to remove my name from collections by sending the charge back to XXXX, so that XXXX can send XXXX XXXX back the correct person to put in collections. XXXX XXXX never allows me to speak to a XXXX or supervisor when I ask, but on XX/XX/XXXX when I did another XXXX way call with both companies and myself, they stated the XXXX XXXX XXXX ( XXXX XXXX ) would be doing what XXXX asked and sending the collection back to them. I followed up with XXXX on XX/XX/XXXX to find out if XXXX XXXX did their part, and they stated XXXX XXXX has still not removed my name and sent it back to XXXX. I attempted to reach out to XXXX XXXX again on XX/XX/XXXX, but the number I have been speaking to them on is now out of service. The contact information that XXXX XXXX has on file is not any of my correct information, it is someone elses, the only piece of information they have linking myself to the fraudulent charge is my name. The address, phone number, and email they have on file for me is not correct. I have never used the phone number, email address or home address they have associated with my name. 

Regarding the XXXX  charge, I have contacted XXXX  and they required me to fill out a fraud form since I did not make the purchase but I am in collections over it, I have not received anything back from them. I have been trying to deal with both of these fraudulent charges, but have been trying harder to remove the XXXX XXXX  charge since I found out about that first. I did not even receive any information about the XXXX  charge, the only reason I found out about that one was when I called the credit bureau over the XXXX  charge, and the credit bureau stated they seen the XXXX  charge too. So both of these fraudulent charges were not associated with my email address, phone number, or home address. The only thing linking me to both of these fraudulent charges is my name. 

Neither of these purchases were made on any of my credit cards or debit cards. Neither of these purchases used any of my contact information besides my name. The purchases are not linked to my home address, phone number, or email. Anyone can use my name to make a purchase.
Product: Credit card

Wells Fargo is suing me for unpaid bill on a credit card that had fraud committed against it.
Product: Credit reporting, credit repair services, 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 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 leasing my car since XX/XX/XXXX. My car is a XXXX XXXX XXXX, I pay {$640.00} month. I am a senior citizen ; I have a XXXX degree which I earned while working full time and graduated in XXXX. I want to buy my car. I have been told since my credit score is not high enough, I would have to pay XXXX dollars more in order to get financing to pay for my car. I have paid off a considerable amount of debt. I did get behind on car payments and other debt. I have paid off most of my debt except for school loans. I am current on my car payment and orther credit and have been for many months now. I am more than a credit score. I have worked hard all of my life and I feel I am being discriminated against because of a credit score that is in the high XXXX XXXX range. Something must be done about economic discrimination that has not adjusted to the fact that in XXXX there was an pandemic coronavirus that has greatly impacted individual consumers and families. Why should one have to pay more because their credit score is XXXX? I am underemployed in that for years I have sought an employment position that incorporates my advance education status and significant and accomplished career history. What can be done about credit scoring that has not adjusted to the reality of our economy? What can be done about economic discrimination and exclusion? 
XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account : XXXXXXXX XXXX XXXXXXXXBalance {$0.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$2700.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$3000.00} DEPT OF EDXXXX-XXXX-Balance $ XXXX-Original amount : {$2200.00}
Product: Debt collection

I moved and no longer used their club at XXXX and I have not attended for over 2 years. I had been a member for years. I no longer had a contract with them. The parent financial company ABC financial services stated I do not have a dent with them. The health club says I owe them {$270.00}.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXX XXXX XXXX  ACCOUNTS XXXX Date Opened XX/XX/XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX Date XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.