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

Identity documents which includes ID & Social security card were stolen in XXXX.After recently obtaining a copy of my credit report I found several FRAUDULENT accounts and inquiries that were listed on my credit report they were listed on my transunion, XXXX XXXX. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions. 15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system. 
IN accordance with the fair credit reporting accounts listed below : Following are the accounts and inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also listed on report was an unfamiliar address XXXX XXXX Ct XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I filed a fraud report in reference to XXXX XXXX XXXX, receiving funds, in the amount of {$1500.00}, for work not completed. I explained to the Bank of America ( BOA ) representative, about the delay of filing the fraud report. This company initially installed the first system of cameras at my business with no problems, and when Mr. XXXX stated I needed to upgrade and he needed to purchase more memory and new cameras. I signed for the funds because Mr. XXXX stated he needed the funds upfront, in order to purchase the new equipment. I began calling Mr. XXXX in XXXX, XXXX, with negative results. I called and texted Mr. XXXX for three ( 3 ) months, with negative results, before contacting BOA for a fraud report. In XXXX, XXXX, I received a letter stating BOA completed their research and closed the case. So I called BOA, and the representatives were so rude and XXXX, the call center was in XXXX. The representative was yelling at me because I kept asking questions about the person who actually did the investigation, then I asked to speak with a supervisor, and she transferred me to another woman, then this woman, she transferred me to a man, who stated he was a manager of the fraud call center. By now I am beyond frustrated, so the entire time I was on the phone with the call center ( 2 hours ), I was also online filing a complaint about the behavior of the call center representatives. I have faxed the pertinent information, at least three ( 3 ), and spoke with 3 different ombudsman representatives about my complaint, or the lack of investigation on this matter. My last straw was the last ombudsman phone call, and she stated that their decision was not going to change, and the letter from the new installation company did not have letterhead. I said " Mam '', after six ( 6 ) months of telephone conversation, and sending requested correspondence, this is your explanation for the denial of my fraud request. I believe BOA made no effort to assist with my case, and the unprofessionalism and incompetence of the investigator, the fraud call center, and the last ombudsman I spoke with, is very disappointing. I have been a member of the bank since XXXX, when it was named XXXX XXXX.
Product: Debt collection

On numerous times, most recently XXXX XXXX, I contacted Portfolio Recovert Associates, XXXX. I asked to settle an account from XXXX. They said that the account had been charged off and forwarded to an attorney for a lawsuit and a settlement could not be reached. I became frustrated that the exact collector that was reporting to the credit bureau was not able to provide me any written agreement who to pay, name and address. They said it was transferred and no longer had the debt. I have also received documents stating that they were suing me. By this time, I became frustrated and hung up with the agent. That was it. Next thing you know, a few days later, I received a letter that my collection account had increased from {$940.00} to {$1200.00}. 
This amount had been the same amount {$940.00} for a few years already. Coincidentally, just because the rep and I did n't resolve my issue, they had the audacity to increase the debt by almost {$300.00} in just a matter of days. They have threatened to place a lien against my home. 
I feel like this is a fraudulent company who is trying to take advantage of me since I do n't know the laws in Texas. 
I would like to request that they remove this collection from my credit and to stop threatening to place a lien on my house. 

Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXdebt collector : Financial Recoveries XXXX 

My name is XXXX XXXX. I sent a dispute letter out to Financial Recoveries using certified mail on XXXX/XXXX/2015. It has been XXXX days since i sent the letter and when i called them, i get different dates XXXX has received it. I then tell them it has been thirty day and the response from Financial Recoveries was the companies XXXX days to responded start from the day it is received the dispute and not the day it is mailed out. is this true? if not, could you look into it. Plus, the collect account is still being reported has open or closed and not " being disputed '' could you pleas look into that and see which is not report Financial Recoveries or the credit Bureau XXXX because Financial Recoveries is saying that it was reported the credit bureau.
Product: Consumer Loan

I received a letter from OneMain FI from XXXX, CA state that I pre qualify for a installment loan After I try to apply for a loan said that I am not qualfy.
Product: Checking or savings account

I opened a checkings account with BMO Harris online XXXX, XXXX XXXX  and deposited a cashiers check of {$60000.00} on XXXX, XXXX XXXX. Also deposited a cashiers check of XXXX on XXXX, XXXX XXXX. An investigation was launched XXXX, XXXX XXXX. I was told by the lead investigator XXXX it will take 7-14 business days. Its been 16 business days since investigation launched. Both my cashiers have been cleared and available in the account. First {$60000.00} was available XX/XX/2023. The other {$60000.00} was available XX/XX/2023. All funds have been verified and received and still no update on having access to my account.
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. XXXXXXXX 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 or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

I recently reviewed my credit report and I have tried to reason with the company ( Experian and XXXX ) about this FCRA error on my credit report. I received a copy of my credit report and noticed unauthorized inquiries. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account. 

I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to this matter. 

I demand these UNAUTHORIZED INQUIRIES TO BE REMOVED ASAP! 

The inquiries are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 credit card account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at RADIUS GLOBAL SOLUTIONS on XX/XX/XXXX with a balance of {$170.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 FICO 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

The company sent me a copy of the original contract from XXXX. The company in which I had a contact with.
Product: Checking or savings account

I have an active complaint started with the CFPB and Bank of America is intentionally making the process impossible to resolve. You contacted Bank of America and a representative ( see attachment ) emailed me and asked me to call him. I have tried for 2 days and the phone # provided does not work. It reaches the Regulatory complaint automated phone service. It asks for the extension of the person you are trying to reach. As soon as you enter it it says it does not recognize the extension. I have tried over 200 times and over a XXXX day period to contact them with no success. I have also sent several emails to the representative that sent me the email and have received zero response. My active case of fraud is reported with CFPB and the case # is XXXX. My checking account was hacked and almost {$6000.00} was taken from me. Bank of America refuses to assist me in this matter after XXXX  years of being a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alot of error on my 3 credit report also identity theft and have been trying for a long time to remove them but the bureaus refuse to help me.things such asXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX # XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a Visa Sapphire credit card in the mail on XXXX. I had not applied for it. After calling XXXX today, XXXX, I discovered that someone applied for it on XXXX fraudulently evidently. I never activated this card but there were charges totaling {$520.00}. The customer service agent said they would cancel this account and I would not be held responsible for paying the bill as of XXXX. Previously back in XXXX, I tried calling XXXX to complain. I would not give my XXXX digit SSN when they asked over the phone.
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 Accounts listed : XXXX XXXX XXXX, XXXX 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 15 U.S.C 1681 A. section 602 states I have the right to privacy.

15 U.S.C 1681 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 reporting 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 consume reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXate Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties. Then they totally removed my score and deleted all of my positive credit history.
Product: Money transfer, virtual currency, or money service

M & T Bank refused to process my XXXX transfer in the name of 'Fraud protection ' despite confirming my identity, and clearly authorizing the transaction.

They effectively tied up my funds when I needed them transferred. 

I attempted to initiate the transfer on Friday XX/XX/XXXX and it was blocked by M & T Bank.

I attempted to contact their 'fraud ' team immediately, but could not get through. 
I attempted the transfer again on XX/XX/XXXX, but was again denied ; I contacted them, confirmed my identity, and the nature of the transfer ; they informed me that they could not process the transaction, despite my repeated authorizations of this transfer.
Product: Debt collection

Hi Portfolio recovery associates has enter debts that wasn't verified and credit bureaus are not doing verification neither and I need something to prove these are my debt. I'm not working and It's really doing a job on me keeping me from getting employment. I need to see a sign contract promise to pay
Product: Debt collection

I recently reviewed my credit bureau and have a debt being reported by Commonwealth Financial for {$130.00} that shows as medical debt. I had insurance for XX/XX/2018 that was supposed to pay more on this debt. 

I never received a letter regarding this debt and when I went to the organization 's website they do not give an address. They only provide a phone number which I think violations the FDCPA because there is no way to send a dispute into them as they do not list their mailing address. 

As I do not owe this debt, it should be deleted from my credit bureau. I am consulting with an attorney regarding this matter.
Product: Credit card or prepaid card

FNBO CLOSED MY ACCOUNT ON XX/XX/XXXX WITHOUT NOTICE AND THE BANK FILED A CHARGE BACK ON ALL MY XXXX PURCHASES CAUSING ME PROBLEMS WITH XXXX AND MY XXXX XXXX ACCOUNT. BECAUSE THE BANK TOOK IT UPON THEMSELVES TO CLOSE MY ACCOUNT AND CHARGE BACK THE XXXX PURCHASES, MY XXXX ID WAS DISABLED AND CAUSED MONETARY DAMAGES TO MY ONE OF MY SOCIAL MEDIA PLATFORMS. HOWEVER, THE CHARGES WERE VALID AND MADE BY ME. SINCE THE BANK THINKS THEY KNOW IT ALL AND PULLED A SHADY, SNEAKY, UNDERHANDED STUNT, I WILL NOT BE SUBMITTING PAYMENT FOR THE XXXX CHARGES THAT THEY CAUSED DAMAGES TO ME BY DOING THIS ILLEGAL ACT. I WILL ONLY BE REMITTING PAYMENT FOR THE NON XXXX  CHARGES. 

THIS BANK DEFINITELY NEEDS TO BE INVESTIGATED FOR ILLEGAL PRACTICES. THE BANK DID SOMETHING SIMILAR TO ME BACK IN XXXX XXXX. THEY OPENED AN ACCOUNT FOR ME BACK THEN AND THEN CLOSED IT A WEEK LATER.
Product: Credit reporting or other personal consumer reports

CHECKR has been reporting information that is related to DOCUMENTED IDENTITY THEFT. CHECKR has been notified about this information several times, have removed it several times, however each time a new report is ran, they report it again.

In XX/XX/XXXX they reported to XXXX that I had criminal records and an active warrant in XXXX XXXX, California. I disputed the information and CHECKR cleared it. 

XX/XX/XXXX, CHECKR reported again to XXXX the same information resulting in XXXX deactivating my account causing me great financial hardship. 

CHECKR was notified that my identity was stolen in California and that I had never lived in the State of California. 

In XXXX it was discovered that a California Drivers License had been issued in the State ( which has now been cancelled ). 

My attorney has filed reports with the XXXX XXXX XXXX Department along with the FTC and CFPB. The criminal records still remain in the data base in XXXX XXXX, however they have confirmed the photo does not match me and the social security number doesn't match. Furthermore it was confirmed that the Statue of Limitations for the warrant had expired, however since nobody was ever arrested for it, it still remains in the system. 

I have submitted all of this information to XXXX and they have failed to update the record and block reporting this information. Do to this I have lost my income and caused my great financial hardship. 

On XX/XX/XXXX I was notified that XXXX requested a new background check which I now fear CHECKR will once again report this incorrect information causing me to lose my last source of income which will result in me becoming homeless and loosing everything that I own. 

I hereby reach out to CFPB with this report in hopes they will get involved and force CHECKR to update their information and STOP reporting this incorrect information. 

I've never been arrested, I have no criminal history not even so much as a speeding ticket. 

Failure for CHECKR to comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) will result in legal action being filed and me seeking compensation for the great financial hardship this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still in the process of getting this inaccurate data removed m=from my profile. Transnion XXXX and XXXX has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under law
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I woke up and saw that I got a credit alert. I quickly checked my XXXX account and to my surprise there were two hard credit inquiries that had been put that same day. 
One was an installment loan or new bank account inquiry from CITICARDS on XX/XX/XXXX The other was a BANK/CREDIT INQUIRY from XXXX  also XXXX XX/XX/XXXX. 
I did not ask for a loan or any credit check from these companies. I have not applied to a line of credit in a while as Im already paying off current debt. Luckily I caught it early and disputed the inquiries and put a fraud alert on my XXXX account. Please investigate this further
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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

XXXX was supposed to service my apartment with internet. XXXX representatives failed to show up for installation failed to deliver equipment there for i received zero service from XXXX. XXXX never at any time serviced my apartment. I cancelled the account. Later on credit control has a collections amount of XXXX which I disputed with them. They refused to listen to what I had to say and ignored my emails and proof that I never recieved any service with XXXX. I have disputed with credit bureaus as well. I do not owe XXXX  anything because they never installed service in my apartment. I never have received any type of service from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report. I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit history. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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