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

Currently my XXXX XXXX Credit Report reflects 22 charge offs, my XXXX credit report reflects 21 charge offs, and my Experian credit report reflects 21 charge offs. These accounts date back to the years XX/XX/XXXX-XX/XX/XXXXand once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX XXXX  XXXX University in XX/XX/XXXX. You can verify this information by contacting XXXX XXXX   XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XX/XX/XXXX-XX/XX/XXXXI will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

A fraudulent credit card account from Comenity Bank/Zales was sold to XXXX XXXX XXXX. Comenity Bank/Zales released me from liability from this account because it was opened without my authorization and is a result of identity theft. This account appears on my credit report fraudulently even though Comenity Bank/Zales investigated and found that this account is a result of ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 XXXX a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, WF/HOME PR, and ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, WF/HOME PR, and ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I believe I have now 2 open debt collections. One was closed today XX/XX/year>. My name is XXXX XXXX and I have now 2, was 3, open accounts with XXXX XXXX. I did NOT open these accounts and I strongly believe my information was leaked on the dark web as I have a software on my phone that tells me so. This is not the only issue at hand when it comes to random accounts opened in my name with my personal information. I am kindly asking that you help me in removing these accounts. Three for {$160.00}, {$160.00}, {$210.00}. Not sure which out of the three was closed. Thank you so much for your time.
Product: Mortgage

While reviewing my loan statement in XX/XX/XXXX, I noticed that there was an additional payment from my escrow account for hazard insurance on XX/XX/XXXX in the amount of {$960.00} that appeared unusual. I contacted Amerihome, the mortgage company, via live chat using their website. After reviewing my account, the representative explained that the payment was for a lender 's placed policy because there was thought to be a lapse in coverage. She further confirmed that they had later received proof that I already had coverage and there was no lapse and the amount for the lender 's placed policy should have been refunded to my escrow account. She deferred the issue to Amerihome 's insurance team for further review and stated that I should allow at least 3 business days for someone from the insurance team to contact me. I never received any follow-up correspondence. On XX/XX/XXXX, I contacted Amerihome by phone to follow-up on the issue. The first representative initially had difficulty finding the payment transaction in question in their system but eventually found it and explained that he was researching my account. After being on hold for 90 minutes, I was disconnected. I immediately called Amerihome again and was connected with a different representative. The second representative stated that the payment transaction from my escrow account that I was questioning did not exist because she could not locate it. I explained to her that I was looking at my statement online at that very moment and the transaction was indeed there. She placed me on hold for 67 minutes, after which I was disconnected. I then sent a secure message via Amerihome 's web portal regarding the issue and asked for someone to follow-up with me. I never received a response to this message but a representative had later marked the message as " RESOLVED ''. I've sent approximately 5 more secure messages via Amerihome 's web portal asking for resolution since XX/XX/XXXX. One received a response that the payment was made to my insurance company, XXXX, and that any refund for overpayment should be sought from XXXX. After providing a copy of my XXXX statement showing that the payment was not paid to XXXX, all of the remaining messages I sent received a response that a representative from Amerihome 's insurance team or a supervisor would contact me within a few days. I still have not been contacted by Amerihome regarding the issue nor has my escrow account been corrected.
Product: Checking or savings account

On XXXX XXXX I reviewed my monthly bank statement and found my balance to be {$0.00}. There was a note that my money was sent to the lost funds dept. I called the bank to question this action as I was never notified. They assured me that I was notified by mail and did not respond. I asked for them to provide me copys of this notification which they were unable to do. 

Today XXXX XXXX I received a letter addressed to me from global credit union. I opened the letter to find that it was an account unclaimed money letter but it isnt me. The letter is dated XXXX with response due by XXXX. The envelope is post marked XXXX. They never notified me or this other party about there money being abandoned and this is not right.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft recently. Today, while reviewing my credit reports, I noticed that Experian, XXXX, and XXXX are showing unauthorized inquiries from the following company which are a result of identity theft : XXXX. XXXX XXXX  - XXXX XXXX XXXX. XXXX XXXX  - XX/XX/year> As per the Fair Credit Reporting Act, any inaccurate items need to be removed from my credit report.
Product: Checking or savings account

I was scammed out of XXXX $ on XXXX  last night i sent money to the persons email after being sworn multiple times itll be sent back because its a deposit fee for security purposes. well this person kept making stuff up and adding more charges it once went from me sending XXXX $ like we originally agreed on to sending XXXX $ and this lady refused to send my money back unless i keep sending more which is a scam. please help i need the XXXX back i have a lot of bills and am only XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

IN RESPONSE TO PREVIOUS CFPB COMPLAINT : XXXXXXXX XXXX ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 Please provide with me with the proof of wet signature to confirm my leasing deal with this company. Failure to do so will be in direct violation of several subsections under 15 USC 1692e. Also, any attempt to furnish my information negatively as a result of this complaint and the failure to provide a proof of wet signature for this leasing agreement will be liable under 15 USC 1692j and 15 USC 1692k.

This is a final warning to Acima Credit to remove my leasing agreement on file and update me with the results. 

I will sue if these needs are not met.
Product: Debt collection

I do not recall ever having an account like this. Sent a request by mail to please provide evidence and nothing has been receive. Please help The account in question is through Portfolio Recovery Asso # XXXX showing
Product: Debt collection

****THIS IS NOT A DUPLICATE**** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, XXXX and TransUnion 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I flew to XXXX XXXX on XXXX XXXX on Friday XX/XX/XXXX and flew back to XXXX on Monday XX/XX/XXXX. On the way back the flight attendant made a pitch, like they normally do on a XXXX flight, for passengers to sign up for the Barclays XXXX XXXX credit card. She said that if we filled out the application that she was giving out on the plane instead of going online and filling it out we would receive 50,000 bonus miles as long as we made {$500.00} worth of purchases in the first 90 days of having the card and paid the annual fee. 

So I filled out the application, got approved, and got my card in the mail a few weeks later. I charged over {$500.00} my first month and my second month and about {$300.00} my 3rd month and paid the balances off in full every month so I qualified for the bonus miles after the first month. 

My bonus miles never appeared on my statement or online. I have another Barclays card so they both showed up on the barclays site but my miles did not show up on the Barclays site i go to pay my bills or the XXXX site where they should be and where i go to book travel via XXXX. 

I made several calls to XXXX to ask why my miles did not show up. On XX/XX/XXXX the Customer Service Rep explained to me that my miles were there but were just attached to my other Barclays card. Sounded reasonable so i thanked him but when i went to the Barclays site the next day they were not there. It was just the points I had accrued using that card. 

So I called again to XXXX XXXX customer service on XX/XX/XXXX and finally the rep acknowledged that the miles were not there and transferred me to someone in another department and said that my 40,000 bonus miles would be taken care of plus the miles from the purchases i had made on that card since i got it. 

So after talking to the CSR who was supposed to help me she said she took care of it and now they should show up. I thanked her but told her that I should have gotten 50,000 miles per the offer the flight attendant gave on the XXXX flight from XXXX when I applied for the card. She said sorry there is nothing she can do about that, the offer is only good for 40,000 whether applied for online or on the plane. 

So .... after trying to get my miles to even post for over 3 months they are finally there minus the 10,000 miles we were all promised on the plane. For what it is worth I am not the only person who filled out an application that day and i can give the XXXX ref # for that flight in case someone who filled out the application can be reached out to and asked what the verbal offer was. 

Feel duped into applying for the card and had to work WAY too hard for my miles to even post. After using these miles i will be cancelling this card. 

Thank you for hearing me out and feel free to reach out to me : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I reported fraudulent activity on my account on XXXX XXXX. I realized that money was missing when I paid my car payment on XXXX XXXX and they were saying they didnt receive the money. I also received a notification from my bank ( Wells Fargo ) that my bank account was XXXX and something dollars. Im someone who uses my XXXX wallet and rarely my physical cards. I realized my cards from both of my banks were missing on the XXXX but I didnt think they were stolen until I seen fraudulent checks being imputed in the account and money being moved out of the account and even somebody using a fake check from somewhere no where near where I was because XXXX sent me a bank statement. After getting These weird notifications I contacted wells and let them know my situation where I closed my account and opened a new one and also ordered new card and went through each charge saying what I authorized and didnt authorize. Theres even a withdrawal from an atm that I never made. They say they were investigating but if they truly were investigating, then i wouldnt have been denied. Where are the cameras from people using the atm? Where are all the devices used to get into my account which yes someone was in my account XXXX  money around to unknown contacts. If They really researched They Would Know that I am a victim of fraud. I am a XXXX XXXX XXXX and full time worker who works hard for her money. I feel like because Im not a store getting robbed, my money doesnt matter, its not insured, whereas I am a person who lost a great deal of money and almost lost my car because it couldve got towed. If I am a loyal customer, banking with you, why would you guys deny me without thoroughly researching. I filed a police report. This whole thing is unprofessional. I ordered my card two weeks ago and the banker I was on the phone with never sent it out so now Im waiting another 7 days. This is such an inconvenience. The police officers who were working my case even said you can see clear as day that the fees Im disputing are fraudulent. They attach the pictures of the checks that are being cashed and everything! I get nothing and some random person is walking around with my hard worked hard earned money? No! I need them to do their job! Please! I followed Your steps, did everything I was told, issued a fraud alert, opened a bank, changed usernames and passwords, its your turn
Product: Debt collection

I contacted EXPERIAN & XXXX that it was not constitutional to report medical debt on credit report and they refused to remove collections XXXX and XXXX were also contacted about the removal of this debt being reported and removed from my credit report and they failed to comply with the law. 
Below I have uploaded three medical collections from my EXPERIAN XXXX XXXX credit reports that are being illegally reported.
Product: Credit reporting or other personal consumer reports

I had a debt to XXXXXXXX XXXX XXXXXXXX in the amount of {$1600.00} I called to pay it off as per my XXXX  company instructions to be able to qualify for a FHA loan. I contacted them and was transferred to their collections department and was offered a settlement and i agreed to the terms. I agreed to a settlement with a reduced payment of {$800.00}, to fully satisfy my debt and would have no further obligation to XXXXXXXX XXXX XXXXXXXX upon paying the amount agreed upon. 
I paid the amount and was given a letter stating the account was satisfied and I no longer have any obligations to XXXX XXXX. It has been almost 2 months since I paid the agreement. Transunion is still reporting XXXX XXXX  is still reporting my debt as derogatory and not showing the settlement. They also refuse to help every time I have called.
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. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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.