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

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of student loans, medical billsXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : # XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 
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5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX, XXXX, {$4600.00} Acct : XXXX XXXX XXXX XXXX, {$2700.00} Acct # : XXXX XXXX XXXX XXXX, XXXX, {$880.00} Acct # : XXXX XXXX XXXX, {$420.00} Acct # : XXXX XXXX XXXX XXXX XXXX XXXX, {$630.00} Acct # : XXXX XXXX XXXX XXXX, {$1100.00} Acct : # XXXX XXXX XXXX XXXX, {$1100.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} Acct : # XXXX XXXX XXXX XXXX XXXX, {$2300.00}, Acct : # XXXX XXXX XXXX XXXX  XXXX, {$650.00}, Acct : # XXXX XXXX XXXX XXXX XXXX, {$680.00}, Acct : # XXXX XXXX XXXX XXXX XXXX, {$1000.00}, Acct : # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$690.00}, Acct : # XXXX ; has violated my rights. 

15 U.S.C. 1681 section 602A. States that I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section2 : It also 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 information. Any other adverse items 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: Debt collection

Received 90 Demand letter dated XX/XX/XXXX while in active bankruptcy # XXXX. Contacted BayView Loan Servicing regarding mortgage loan # XXXX status. BayView Loan servicing did confirm status of account and could not explain why i am receiving phone calls and active attempts to collect debt. I sent in a formal dispute but to this date activity continues. 

Next, mortgage transferred from XXXX to Bayview on or about XX/XX/XXXX. There are at least 2 missing  payments and escrows have been overprojected over 1/6 above escrow pad. total Escrow balance they claim i owe is {$4900.00}. 

Finally, i contacted BayView Loan Servicing and was informed that BayView, in fact, does not have an escrow account set up for my mortgage when, in fact, i signed loan paperwork authorizing escrows with XXXX years ago. Until now, i've always had an active escrow account for XXXX XXXX XXXX XXXX, MA XXXX, my primary residence.
Product: Debt collection

I received a debt collection notice from Global Credit & Collection Corp dated XXXX/XXXX/2109 and I sent them a response by mail within a week that I do not owe the debt that they are trying to collect. 

On XXXX/XXXX/2109, I received a phone call from Global Credit & Collection Corp asking me to pay the debt. I told the representative that I did respond to their inquiry and not to contact me any longer I would like them to remove me from their contact list since I don't owe the debt they are trying to collect
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer disclosure provided by XXXX and XXXX XXXX XXXX and noticed I was reported for " suspected fraud activity '' by Bank of America. I do not have a bank account with Bank of America and never did in more than 10 years. The account showing on the reported information was not opened by me and I am not responsible for any activity on that account. I am very concerned that Bank of America would allow someone to open a bank account without my verifiable identity information or my consent. I was aware that my information was fraudulently used last year without my knowledge to open a few accounts with various institutions and I have worked with those vendors, and they have closed those accounts upon concluding that I wasn't the one that solicited those services. My credit reports with the 3 credit bureaus is clear. However, I had never been contacted by Bank of America regarding the existence of this account or the supposed fraudulent activity until I saw it on my XXXX report after being denied opening a bank account for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX FRAUDULENT ACCOUNTS have been added to my credit profile which the credit bureau Experian is still reporting I have certified mailed my POLICE Report which has been added to my credit FILE. Yet Experian has continued to refuse to Remove all the FRAUDULENT ACCOUNTS I also have COURT ORDER DISMISSAL LETTER I have sent in the Court order DISMISSAL several times via certified postal mail yet They Refuse to follow the judge 's order as well as the polices report and remove the FRAUDULENT accounts PERMANENTLY. Any and every time I mail them proof which consists of the police report as well as the judge approved Court order Experian will put the accounts in investigation and end with the same results leaving the accounts on my credit file. this will be my final time explaining this situation and asking them to follow the judge 's request if Experian continues to ignore the police report as well as the Judge Court order I will seek legal assistance to make sure Experian credit bureau is penalized for ignoring the law and leaving Fraudulent accounts on my credit profile.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  TU UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a honest complaint against cashapp ( block , inc . ) and ( apple.com ) due to unfair practices and unknown charges from my account, also this violates the consumer financial protection act ( CFPA ), cashapp has been failing to keep my deposits protected theyve Been leaving my account unattended and vulnerable which is causing fraud, and they didnt dispute any transaction that I reported, these actions has always caused significant inconvenience and financial lost, I have reported this multiple times but this time I will be going through with it and actually get this reported thank you.
Product: Debt collection

I made contact with Jefferson Capital, requesting information that I gave written consent to obtain my personal information. I advised them that due to the Fair Credit report act they are in violation of my rights. According to my credit report this account shows that it was opened as of XX/XX/scrub>XXXX The inaccurate information is making a huge impact on my credit report.
Product: Credit card or prepaid card

Purchased a home and bought a home warranty plan from XXXX XXXX XXXX, there was an issue with the ductwork discovered later, I submitted a claim to them, XXXX XXXX XXXX denied the claim, I provided professional reports and comments from the technician they had sent out disputing their conclusion, they chose to ignore my responses and not answer the direct questions I had about their conclusion ( conversation attached ). 

As a result I disputed the {$550.00} charge for the plan with the credit card company I paid for it with, the Best Buy Visa Card serviced by Citibank. I disputed it on the grounds that I never received the goods and services that I had paid for and had made a good faith attempt to resolve the matter with the merchant who was now no longer responding. I frequently called Citibank to get an update and see if more information was needed from me ( their call records will show this ). I could not speak with the disputes group investigating the matter and was later told it was not resolved in my favor because the merchant had shown I authorized the purchase. When I pointed out that was not the reason for initiating the dispute, but that I did not receive the goods and services as described that I paid for, City Bank refused to reopen the case or evaluate how they well exceeded the time frame for these issues to be investigated. 

I did not receive the goods and services as described from XXXX XXXX XXXX. They have chosen not to respond to my questions after an attempt to resolve it with them. The credit card company did not investigate the dispute properly or within the appropriate time frame and that is what is prompting this complaint.
Product: Credit card

I was approved for a Capitol One Quicksilver Card. I never received the card in the mail. On XX/XX/XXXX, I received a text message asking if a charge for {$300.00} for XXXX XXXX XXXX was authorized. It was from Capitol One. I texted " No '' then went onto my account and noticed there was about a dozen fraudulent charges in the last few days. 

I called Capitol One to report the card as stolen and to report the fraudulent charges. They temporarily reversed the charges ( which total around {$520.00} ) and consist mostly of back-to-back fast food orders, a large purchase at XXXX, and a large purchase at XXXX... 

They just sent me a letter yesterday saying they've concluded their investigation and don't consider it fraud because " Information we discovered leads us to believe you or another account user benefitted from the transactions '' I never received this card nor used this card. Their investigation must be incomplete or faulty because there is no possible way to come to that conclusion. 

I am also filing a police report. Please help me.
Product: Payday loan, title loan, or personal loan

I went to a tire shop to get new XXXX  and XXXX  and when I was there the lady tell me that I have 3 months to pay if I. Dont want any interest. I dont make it on time but now that I want to pay the loan I only finance XXXX dlls and they are charging me 300 % interest or a total of XXXX dlls
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Credit reporting agencys TRANSUNION RE ; XXXX XXXX XXXX of XXXX And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by XXXX XXXX XXXX of XXXX acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX XXXX and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against Transunion as well as XXXX XXXX  XXXX in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In Transunions willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to Transunion goes above and beyond to prove a debt was never owed therefore in Transunion forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have no liability to RESURGENT/LVNV FUNDING for they are a third party debt collector and I have contract no with them. RESURGENT/LVNV FUNDING brought the debt fromXX/XX/XXXXXXXX Texas XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like RESURGENT/LVNV FUNDING to provide me the direct contract between them andXX/XX/XXXXXXXX Texas XXXX showing that they are authorized to collect for XX/XX/XXXXXXXX Texas XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to out of RESURGENT/LVNV FUNDING and XXXX reporting this to my report.
Product: Credit card

A face serum was ordered on the Merchant 's website on XX/XX/23, upon receipt of the item I used it, and found it to be ineffective and not as described by the Merchant. I contacted the Merchant and requested a refund. They asked for receipts, etc. I sent them the requested documents. The Merchant requested more redundant information on several emails, and after delaying the time frame for a refund, by continued requests, they said they could not process the return. They offered me to purchase more of their products at a discount. I said I did not want any more of their products, they can't be trusted. Then they stopped communication. I contacted the credit card company, on XX/XX/23, they ran me through a series of questions, continuous downloads to the website for " proof '' and then denied the claim, basically treating me like a liar. They refused to acknowledge all the evidence I sent them and said they would not charge back the amount to the Merchant. Any other credit card company, I have dealt with in the past, has always recognized the consumer and honored the dispute submitted above the Merchant, when the required proof was submitted. This Company is CAPITAL ONE. The representatives were very argumentative, rude and continued to deny the dispute on different grounds. I sent several submissions and uploads of documents, and spoke to them by phone, up until XX/XX/23. I showed them the false representation of the Merchant. They only repeated the same thing over and over, that I received the product. The point was NOT that I received it, but that it was NOT THE PRODUCT THAT WAS ADVERTISTED. They refused to acknowledge this or cooperate with me and denied my dispute and request for refund. I no longer use this credit card for ANYTHING. They do not support the Consumer or their customers.
Product: Credit reporting or other personal consumer reports

XXXX credit approved a card the closed it so that lowered my credit score no reason why then they mailed the card so I want the negative reporting to be corrected
Product: Credit card or prepaid card

Hi My name is XXXX XXXX XXXX, Im. writing complaint after I have called XXXX XXXX card by synchrony bank for the last month, I evertime I make payment online, I show the name of the XXXX on the screen before it would say online. I have call the XXXX XXXX card to complaint why Im still receiving emails to my XXXX when change my email to my me.com.I did this changer After I found numerous fraud transactions on my account. which I made police with XXXX and I did a complaint with F.T.C. I also got text saying that a {$12.00} recruiting charge for child advocacy center, I never went to any place name child advocacy center, I dont a child. I have done card placement, due to thefraud that was done on my account, When first Report is the fraud over the phone, the XXXX gentleman that was helping me out, I hope the call was Recording. he found another person on my account but he didn't tell me anything about the person foundry account, I have never authorize any other person on my account, I also would like to know my credit limit was drop down,.
Product: Mortgage

My loan was recently transferred to Mr. Cooper and when I try to view my amortization schedule online it is unavailable, when I chat with an agent online they are unable to provide. When I call the automated system refuses to connect me to an agent for the purpose of requesting an amortization schedule. I have to tell the automated system I want to refinance to get transferred to an agent and finally the agent put in a request that might take a couple days if they even send it.