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

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX Bankruptcy Discharged XXXX & XXXX XXXX  XXXX XXXX XXXX {$0.00}
Product: Debt collection

Received letter from midland credit management saying I owe {$180.00} to XXXX XXXX ( XXXXXXXX XXXX ) said the account was opened in XXXX of 2019 this is the first time Ive heard about it. I never opened a XXXX XXXX account
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, I have been living in the United States for more than 2 years now. I am facing issues with my Credit File Report On Equifax. I am writing this because I have concerns regarding my credit history report with Equifax. I can not access and find my credit history even though I have been in the US for over two years. I spoke with their customer service multiple times in the past four months, and there was no help provided. I am still facing this issue today even after sending the documents requested five times. I have a credit card, and bank account, with a good credit history with multiple organizations like XXXX XXXX XXXXXXXX and XXXX. XXXX Please go through my complaint and let me know what's needed to update my credit history I am unable to apply for a new credit card and other benefits because of improper information in my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reflecting a fraudulent address ad that is not associated nor has ever been associated with me. The inaccuracy in question is XXXX XXXX XXXX XXXX XXXX, TX XXXX. In addition, there is also 3 fraudulent debt collections that DO NOT belong to me, and are registered with this erroneous address that is associated with my credit reporting profile. These collections Account names that i am in no way familiar with are listed as : XXXX XXXX XXXX in the amount of {$1100.00} Credit Systems Intl In for the amount of {$1100.00} and XXXX XXXX XXXX  for the amount of {$1100.00} I have never lived at any other address other than XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. And i should not have ANY collections or negative items on any of my credit reports. I will be reaching out to each of the reporting bureaus demanding this false information to be removed immediately as this is identity theft.
Product: Debt collection

My XXXX was called by Calvary Portfolio Services and was told I have a {$600.00} debt with XXXX. I do not have any debt with XXXX and there is nothing on my credit report that indicates I own them any money.
Product: Credit card

Constant increase in interest fees 

Constant increase in membership fees 

Ridiculous Interest fees added onto every charge/payment
Product: Prepaid card

My name is XXXX XXXX I am making a complaint about bank of america prepaid claims department. I FILED FRAUD CLAIMS FOR TRANSACTIONS IN XXXX in my prepaid account ending in XXXX. I did this on XX/XX/XXXX my claim numbers are XXXXi didn't have access to my XX/XX/XXXXXXXX account in the years XXXX and it was about XXXX removed fraudulently out my accounts during XXXX and XXXX.my ID, SOCIAL, BIRTH CREDIT, AND DEBIT CARDS WERE utilized during XXXX and i WAS MARKED A VERIFED VICTIM OF ID THEFT.i filed fraud claims and provided bank of america prepaid claims with my FTC IDENTITY THEFT REPORT, POLICE REPORT, COURT DOUCUMENTS PROVED THAT I PRESSED CHARGES ON XXXX XXXX FOR THIS .bofa PREPAID CLAIMS department let me down !, SAID I AUTHORIZED SOMEONE TO USE MY ACCOUNT! THEY denied my claims over XXXX times! Bank of america has sent me a SETTLEMENT Compensation IRP check dated XX/XX/XXXX, XXXX.the compensation check letter STATED I didn't have access to my funds OR my accounts in the years XXXX AND SETTLED WITH A AMMOUNT OF $ XXXX.My CLAIMS ARE STILL DENIED!!! IF I DIDNT HAVE ACCESS TO MY ACCOUNT DURING THE YEARS XXXX AND RECEIVED A SETTLEMENT CHECK WHY ARE MY CLAIMS DENIED WHEN THE TRANSACTIONS I DISPUTED AS FRAUD, ARE IN THE SAME TIME PERIOD I COULDNT ACCESS MY ACCOUNT AND FUNDS??? IVE BEEN GOIN THROUGH THIS SINCE XXXX AND WOULD LIKE TO GET THIS HANDLED.THIS SHOULD BE A VIOLATION This should be illegal!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Experian are all placing in accurate information on my credit report from Accounts that are close and do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed an online application. For a HELOC with my bank, XXXX. Starting Monday late morning until today, I have received numerous calls from creditors noting that they received information from Experian that I was looking for a mortgage product. 

To be clear, I did not go to an website looking for the best offer. I started a business transaction with XXXX directly. After receiving a request from XXXX to check my credit, Experian shared that request with everyone in that industry. As a result, my phone is now being spammed with 15 - 20 calls a day. This incident is impacting my business.

Are credit reporting agencies permitted to share your request with anyone at any time without permission or regard for the individuals privacy? It is my strong opinion that I have been victimized by Experian. XXXX is also a victim in this case as experian shared their request and now everyone in the industry is attempting steal their business.
Product: Debt collection

XX/XX/2021 Encounter a Fraud and Identity theft from Military Star Card that doesnt belong to me account # XXXX total amount XXXX had so been reported XXXX Customer Service From Military Star, and again on XXXX XXXX to so collection started taken on my social security account to reimburse debt, that doesnt belong to me and not responsible. I never had received any information or letters from Army and Air Force Exchange. 
XXXX XXXX when I notified Military Star Customer XXXX Service about fraud on my credit report they question asking for full name, XXXX City, State ZIP Code, and full social security number. Temp place on hold there after ask that my Identity theft being used, will close account and that I didnt had to pay on theft amount. They been so told to present I had never had a Military Star Card Account. 
I prefer a federal investigation into this identity theft who committed a crime, and question Military Star for answers to collection on my social security, and where, what address city and state identity theft military star card was mailed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX  XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a third party credit agency opened at XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Loan was opened without permission. Was set up! The guy that sold car bamboozled me
Product: Debt collection

NOITICE QUALITY ACC IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

Last year I discovered a false account with XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX and XXXX XXXX  denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX and XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
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. 


I contacted XXXX, XXXX, and XXXX to reinvestigate this accounts : Jpmcb Card Services Account number : XXXX Opened : XXXX XXXX, XXXX Balance : {$53000.00} This was mailed on XX/XX/XXXX The results came back twice XX/XX/XXXX and XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

The original CFPB complaint, Case # XXXX, was closed without adequately ensuring that Kikoffs response complied with all relevant laws under the Fair Credit Reporting Act ( FCRA ). Despite disputing the inaccurate and inconsistent reporting of my account, Kikoffs response failed to address the core concerns and did not provide sufficient evidence of a proper investigation, as required by FCRA 1681s-2 ( b ). Their lack of transparency, coupled with their inability to explain discrepancies in reporting across all three credit bureaus, raises serious concerns about their compliance with federal regulations. This inadequate resolution by the CFPB demonstrates a failure to hold Kikoff accountable and to protect consumers rights.

Attached : - the letter kikoff sent me through cfpb - response to kikoff - credit report - ftc fraud report number
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$830.00} ; 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a call from a Home Point Financial Representative on Monday, XX/XX/2018. The representative called to inform me that my XX/XX/2018 mortgage payment had not been received, but it still was not considered late as it was not the XXXX of the month. I quickly looked at my on-line banking and saw that it had been sent out on XX/XX/XXXX. I did not see any possible red flag on my banking register. 

After further investigation, I discovered that it was my XX/XX/2018 that had not been paid and was indeed past due. In XX/XX/2018, I INCREASED my automatic withdrawal mortgage payment to {$2000.00}, with the extra amount to be applied to my principle ; which was noted on my check memo line of payment. As a result of this change, my XXXX payment was inadvertently deleted, causing me to miss my XXXX payment. Thus Home Points representative was mistaken when she told me that my XXXX payment was not yet late because I had until the XXXX of the month. Please conduct a review of my account and the telephone call and review the servicing recording to corroborate this information. 

In addition, I recently received a refund amount of {$51.00}, notwithstanding the fact that I wanted the extra amount to be applied towards PRINCIPLE REDUCTION. It appears that Home Point is attempting to avoid my principle reduction. 

In over 20 years of having a mortgage I have NEVER missed a single payment. 
I never received any information or notification from Home Point Financial about a missed XXXX payment- until mid-XXXX, and even then, the communication was incorrect as the representative indicated XXXX was late. 
My contact information was up to date at Home Point. I  personally spoke to a representative on the phone in XX/XX/2018 to ensure all contact information was correct. Why no courtesy call or correspondence in XXXX? Home Point Financial refused to look into this matter, and simply rejected all discussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00}. 

Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
Product: Checking or savings account

I opened a new account with Capital One on XX/XX/XXXX. I also initiated a test transfer of funds from my existing credit union account ( XXXX XXXX ) of {$1000.00} to fund the new account. While waiting on these funds to finish transferring I received my deposit refund check from the location we lived in previously ( we just relocated to XXXX from XXXX ). I proceeded to use Capital One 's mobile app to deposit this personal check into our new account which occurred XXXX. The morning of XXXX I woke to find an email stating our brand new account had been locked due to suspicious activity and I needed to call to resolve the matter. I then called Capital One and was informed that due to this being a personal check they can not confirm if it is valid and the only way to unlock the account is to have our former landlord reverse their check with their bank. So I am attempting to get this done, but for now Capital One is holding our funds hostage for no reason.
Product: Credit card or prepaid card

I started my bankruptcy procedure in XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, XXXX. Before the bankruptcy procedure I initially wanted to avoid the Bankruptcy due to the negative impact it would have on my credit rating in the long run, so in order to exercise other avenues I went with Consumer Credit Counseling of XXXX XXXX, Iowa.The approximate date was XX/XX/2019. Prior to this I initiated a Debt Settlement Plan with a company in Texas, that turned out to be fraudulent ( I sent them XXXX to procure a settlement lawyer ). Through research and a few unsettling problems with the company I decided to work with the XXXX XXXX XXXX XXXX in XXXX XXXX, Iowa. During this time my counselor was trying to work out my financial budget plan for repaying each creditor. He stated that Discover would not work with the monthly payments that we decided on, which I believe was approx. {$100.00}, they insisted on {$300.00} down and after that $ XXXX- {$150.00} approximately paid monthly. My counselor advised me that my best option would be to file bankruptcy. After that I received a summons ( on XXXX ) stating that I was being sued. I was not informed prior to the summons that Discover Card was in the process of suing me nor did I receive a warning by written decree within an amount of time that would be viable to act upon in order to resolve the issue. During my Bankruptcy filing I received another summons in the mail stating that a date was officially set for a court hearing ( a response would be needed from me before the court date was set ). So, in order to avoid going to court I decided it would be in my best interest for my protection to pay the full amount needed for the bankruptcy to be closed ( which was XXXX ),  then I was told by my lawyer that Discover would not take action any further.
Product: Checking or savings account

I processed a payment from a client on the Square App on XX/XX/22 and was instructed to verify my banking and business information. My information was verified but a few days later I received an email stating that my account has been deactivated and my funds are being held. There has been no explanation as to why my funds are being held and when I tried to call to inquire I was blocked from any management. On a recorded line I was told that every upper manager or supervisor refused to take my call. I was coerced into giving personal information just for them to steal from me.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/ Please ensure that all information is accurate. If not proven delete this immediately. 
2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX