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

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with equifax. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX  removed the information after being contacted. Equifax has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! Equifax also breached my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

MACY CREDIT DEPARTMENT, I tried for the last year to dispute account that doesnt belong to me, I even called them and paid them the balance of this unknown account, I got very frustrated because this account that doesnt belongs to me was hurting me, and my credit report, .Can you please ask the for proof and to delete this account off my credit report.thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I wired two payments of {$700.00} to a landscaping company using Zelle. The second payment was an accident and I didn't realize it until a week later. My bank, XXXX shows that both payments were deposited. However, the recipient is only showing their bank deposited one payment. The funds were not returned to me. I tried filing a dispute for the transaction, but the funds are gone from my account. The recipient tried to file a dispute with her bank, but they said there was no transaction record to dispute. Therefore, no institution seems to have my money. It is just missing from my account. Zelle is impossible to reach. I submitted messages using their online form and had zero follow-up. I have called the customer service number but it is a simple menu with no option to speak to a live agent. I have searched the internet for an alternate phone number but can not find one.
Product: Debt collection

Portfolio Recovery RE : Notice of Intent to Sue for Violations of the FDCPA and TCPA To Whom It May Concern : I am writing to formally notify you of my intent to file a lawsuit against True Accord for ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Telephone Consumer Protection Act ( TCPA ).

Your company has engaged in harassing and unlawful behavior, including but not limited to : 1. Excessive calls : Calling multiple times daily using different phone numbers.

2. Silent calls : Failing to speak or provide any meaningful communication when I answer.

3. Failure to leave messages : Hanging up without leaving any messages.

This pattern of behavior has caused me undue stress, disrupted my daily life, and created a hostile environment. Under the FDCPA ( 15 U.S.C. 1692d ), such conduct is strictly prohibited as it constitutes harassment and abuse. Furthermore, if your calls are being placed using an auto-dialer without my express consent, this may also constitute a violation of the TCPA ( 47 U.S.C. 227 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been re-aged and shows 2 different years in the date of last activity! Remove for violation of 5 US Code 1681a ( 4 ) by reporting mis-information. Please see the credit report attached. If this is not removed within 15 days I will be taking this to small claims court. Attached is the credit report and the letter sent to the creditor which is dated and time stamped.
Product: Mortgage

XX/XX/XXXX I went to my local Chase Branch to get checks for my Equity line of credit. I have a {$60000.00} line that I have paid an annual {$50.00} annual fee but have not used it in years. They called their equity offices and said they would mail checks to me and it would take 2 weeks. They didn't arrive, so I called on XX/XX/XXXX and advised them, and inquired what to do. They said, give it a few more business days, then call back and they would stop payment on those checks and overnight some new checks.I waited until XXXX, still no checks arrived, so I called back, was told that they would stop payment but now would need to do an investigation, which would take 90 days, and I would be unable to withdraw from my equity account until the investigation was complete. When I had follow up questions I was disconnected I called back and questioned why the info from the previous week was completely different. With other banks, once you cancel specific checks you can continue to use accounts, and this is an active account. The part that seems particularly suspicious to me is that Chase doesn't provide an Equity line product anymore. They got out of the business. So the equity line I have, I am only allowed to draw funds out of until early XXXX. I feel like they are deliberately dragging their feet to ensure I don't draw from this account.It seems like a pattern of behaviour that may be shady. I also asked if when the " investigation '' is complete if I can just go to a local branch and get my checks there, so this doesn't happen again, and they said no, they will only ship them. So my request for checks from XX/XX/XXXX won't be honored until XXXX. That doesn't sound legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score
Product: Credit card

LVNV Funding LLC - : unauthorized account opened XX/XX/XXXX the amount of {$1200.00} LVNV Funding LLC- : unauthorized account opened XX/XX/XXXX the amount of {$910.00} XXXX XXXX XXXX XXXX unauthorized account opened XX/XX/XXXX the amount of {$1400.00} I was just notified about the two LVNV funding accounts on XXXX XXXX I reached out to the company they told me they did notice several errors on the accounts and they look fraudulent I called my local police department they told me they couldnt do much and to file for identity theft I filed for identity theft
Product: Money transfer, virtual currency, or money service

I have been trying to work with this company for 2 years. They have done absolutely nothing for me. I have paid them a large some of money. They refuse to respond to my emails. I have not heard from them in a very long time. They agreed to refund some of my money but that was months ago. 

They only deal with my friend but we are getting the runaround from them. 

All the information online was misleading. I did not get access to the client dashboard. I never received any paperwork. I did not get a separate account. 

Paid for priority mail and never received anything. 

I kept sending copies of the letters from debtors and they kept saying everything was taken care of.
Product: Debt collection

I recently received a letter from Credence Resource Management , LLC, a debt collector, regarding an outstanding debt supposedly owed to XX/XX/XXXX. The letter indicates that my account number is XXXX and states that as of XX/XX/XXXX, I owe a total of {$12000.00}. Additionally, it mentions that I have been charged {$8000.00} in fees, bringing the total amount due to {$20000.00}. 

The letter advises that I have until XX/XX/XXXX, to dispute this debt. If I do not dispute it by this date, Credence Resource Management will assume the debt is valid. To dispute the debt, I can call or write to them and provide any supporting documents. They have also provided an email address for electronic disputes. I submitted my dispute request via email to Credence Resource Management, claiming this debt is the result of the identity theft, but I have not yet received a response from them. 

This debt is fraudulent and the result of a recent identity theft incident. My personal information was compromised in the XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, and I suspect this is related to that breach.
Product: Credit reporting or other personal consumer reports

I noticed an erroneous amount balance showing up on my XXXX Credit Report, so I filed a dispute immediately concerning a previous Loan with Affirm. 

All payments were made on time each month and this amount should not have been showing as outstanding. Affirm did not work in good faith with XXXX to resolve the dispute in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed more than once : Experian : XXXX XXXX : XX/XX/XXXX, {$230.00} I spoke with and sent emails and received an email from the company stating they had deleted this account and amount off of my account because this account belongs to a relative with a similar name. At the time of this bill, I lived in another location. 

Experian : XXXX XXXX  : XX/XX/XXXX, {$170.00} This location was sold in XXXX and all transactions were paid off by a new owner. 

Experian : XXXX XXXX XXXX : XX/XX/XXXX, We received a deposit from this utility not owing them anything. I never received a bill showing that I owe them anything. 

Experian has several inaccuracies with an excuse that it's updated every 24 hours. That's untrue. They have very old, outdated information and won't update the most recent positive information. They thrive off negative data for certain people like myself : Adding my bank to my husband 's bank Adding my credit card as his credit cards Inaccurate balances and paid off balances as unpaid They are ridiculous and should be shut down immediately.
Product: Credit reporting or other personal consumer reports

This is my second formal request regarding my ongoing grievances. Despite my repeated appeals, I have yet to receive my personal credit report from EQUIFAX .Regrettably, they have persistently denied my request and withheld my credit information. To substantiate my claim, I have enclosed a duplicate of the letter I previously dispatched to the credit bureau, explicitly requesting my credit report. Furthermore, I have included supporting documentation, such as copies of my personal identification, to strengthen my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have suffered from XXXX for 30 years ' i never knew what credit was or debt or any other such thing i was XXXX for many years and XXXX XXXX XXXX XXXX  most of my debt actually comes from minor 2 hour hospital stays where i was under duress at times from being XXXX XXXX XXXX  ' many times people used my name or an alias with my information going as far back as 25 years or so ' it wasn't until recently the past 5 years or so when i started medication and working a serious job ' with benefits and got a steady income life and girlfriend that i started to learn about these things ' i have tried to contact debtors and XXXX XXXX XXXX ' about such things ' but to no avail ' i have been without work for about 2 weeks now do to assaults and robberies at my work ' and i tried for the first time to take out a loan ' figuring on furlough due to store being to dangerous in the ghetto at night not being open i found without a paycheck in the past or one in the future you can not apply for a loan ' i know this might sound strange to some but my first " vacation in 5 years '' has been spent for 8 days trying to figure how to get out of debt and get my life back 99 % of it from 1 hour hospital visits where i was discharged or escaped the hospital on my own ' or afraid due to XXXX XXXX of " being in debt haahahaha '' ' as you can see i'm not well or was not ' for many years ' anyhow i was always scared or paranoid of the 'sign this we'll help you moneywise '' as i was of medication and the like " but seeing where medication has gotten me " i realise now but not back then when {$30.00} or {$300.00} over time seemed impossible for someone working {$5.00} an hour at a labour hall ' 17 hours a day to make {$35.00} with smokes and train/bus sleep outside building ' take {$3.00} out of paycheck at end of day {$4.00} or {$2.00} for ride to job site ' people just don't know but then i worked with XXXX who made {$12.00} for the same amount of effort ' anyhow " i've tried to contact various sites and agencies ARS etc ' to explain but have had no luck ' i don't want to be XXXX again after working 35 hours a week or 30 for the past 5 years ' drs say its best if i " take a day extra off to not be mentally ill '' " anyhow it came to my attention recently my identity has been used for 20 plus years from an " old aqcuaintance '' i'm starting to believe probably just at random " one of the addresses was near mine ' at a time or i used to stay there ' and i was XXXX at the time ' anyhow thank you for your time i am not good at this " but i hope it somehow helps although as usual i doubt i did the right thing or even the right company ' XXXXXXXX XXXX XXXXXXXX ' all these " i'm not sure ' i'm working with lawyer to figure it out right now and day and night during " first vacation ever '' spent 8 days trying to figure this all out ' as i have no money and am just staring at a wall ' thank you " i hope it's not a prison ' forever '
Product: Debt collection

I was contacted by phone by a company called D2 Management in, XX/XX/XXXX about a {$980.00} debt that I owed. They stated my wages would be garnished because of the amount of the debt, but, I could stop wage garnishment by paying a {$200.00} settlement amount. They emailed me the Final Notice with IRS CODE 26 U.S.C. 108 : US CODE SECTIO 108. So with in XXXX weeks I paid the settlement of {$200.00} and the company emailed me a settle letter. It wasnt until XX/XX/XXXX, as all of the new internet scams starting happening that I realized, the debt collection notice and phone call I received could have been a scam too. I instantly checked my credit reports from XXXX, XXXX and XXXX. No where did I see the debt amount of {$980.00} from D2 Management or a payment of {$200.00} to D2 Management. So then I called D2 Management and i spoke to XXXX. When I asked him, who the original creditor was, he stated " XXXX XXXX, you already know that infomation. '' He refused to provide me with any information about who I originally incurred the debt with. He did n't even give me a time frame or date.
Product: Debt collection

I enrolled in water delivery services through sparkellets beginning if this year after few months of having issues with wrong or missing deliveries and over charges I called to cancel the service also the machine not working properly I called in may to cancel and they said they will pick the machine ..my appatmement building had major construction so I had to be relocated to a dif apartment temporarily and I told them that they never picked up the machine unbenonce to me they sent the account to collection bureau of America and they want me to pay the machine and service I never received and asked to be discontinued I called sparkellets again they said its nit in their hand again ..and also I scheduled two additional pick up dates and they failed to pick up one was in XX/XX/XXXX and the other one in XXXX..its not fair that I had to deal with the consequences of incompetence and horrible customer service.. and now the collection agency is trying to force me to pay for something I never received and I opted out of. 


PS : the page is not letting me enter my last 4 digits of my social it's not working so I listed it under acct number which I dont have ( XXXX )
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCT 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 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. Further states a consumer reporting agency can not furnish an 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 my information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting

I 've tried to apply for a loan and was denied. Then i tried to obtain my credit report to see why, and Transunion failed to supply me XXXX. They said that they need more information from me. Such as driver license, bank or credit union statement, cancelled check etc ... I 've sent them another letter stating that first of all they are a privately held company no different XXXX, and they are in business of selling my private and financial information for profit and i do not wish to supply them with any more information than my name, ssn number, address, and signature. Even that did not help they still sent me a generic document asking for more information. If i were to go on their website and buy it, i would not be required to supply any of that information and they would be happy to supply me with that report but for money. They are denying me of my right to my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX 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 on 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 XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$34000.00} 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 FICO 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 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

Last year ( some time in XX/XX/2017 ) my & my son 's SSI # 's were compromised when we went thru HUD to try for a home. Since that time we were given a years free reporting from the 3 agency 's. Experian has taken it upon themselves to check my credit sometimes 5 times monthly & say its not effecting my credit yet in those months it has brought my score down by at least 28 points everytime!

They also have told me I should Not pay off my credit cards on time as this hurts my credit?? The kicker was yesterday they dropped my credit score by 45 points! When I asked they said it was because I paid off my credit card too soon? What is wrong with these people? 
My son has a XXXX card, racks it up just to gets points & pays it off monthly, Nothing like this is happening to him. 
I did report this to my local Office of the Commissioner of Financial Regulation. As you will see they sent a letter stating I gave them almost unilateral permission to use my credit anyway they choose. I did not.

What I desire is for them to apologize and stop. This is messing with a ( what was a XXXX ) credit score in XX/XX/2017. 
By the way, I have called them, I have tried filing disputes, and now this is what happens. 
Sadly if the other two follow suit this will really hurt my credit There are two more pages ( I do hope the other 's made it to you ) That just won't copy. They are from XXXX XXXX @ Division of Financial Regulation XXXX Md. Re : # XXXX. I hope you can get the information from that office
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a capital one card that has XXXX on it i believe is the limit for some reason it is not showing up on my XXXX XXXX. it always did before. I just want my age of credit and my age to not be effected. unsure as to why it is not showing maybe XXXX XXXX is fixing something. I did speak to capital one they said everything was good. So what I am asking for is that my information on this card be resent to all credit company reporting agencies. This is as of XX/XX/2020