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

I trust this message finds you well. I am writing to address a matter of utmost importance regarding my credit information. Regrettably, I have discovered that my personal data, compromised as a result of the Equifax data breach, has been illicitly sold and purchased. 

Enclosed with this correspondence is irrefutable evidence affirming Equifax 's acknowledgment of my status as a victim of the aforementioned breach. Despite their acknowledgment, there has been a conspicuous lack of remedial action on their part, leaving my credit reports tarnished with unauthorized accounts. 

In light of these circumstances, I kindly request your immediate attention to rectify this situation by expeditiously removing the unlawfully acquired accounts from my credit reports. Your prompt assistance in addressing this matter would be greatly appreciated. 

l am at your disposal to provide any further documentation or information required to facilitate the resolution of this issue. Your cooperation in expediting the removal of these inaccurate entries will not only alleviate the financial burden imposed upon me but also restore the integrity of my credit history. 

Thank you for your prompt attention to this matter. I eagerly anticipate your assistance in resolving this issue in a timely and efficient manner.
Product: Credit reporting 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX does not have the authority to report personal information to any third parties. All consumer reporting agencies with this information have violated the Privacy Act and Title 15 USC 1681 ( a ) ( 4 )
Product: Credit reporting or other personal consumer reports

transunion has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such a failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. these failures align with my experience, where transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I believe that the credit reporting practices involving my personal information may have violated the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the collection and dissemination of consumer credit information. As per the provisions of the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6802, I did not authorize the release, sharing, or use of my financial information by your institution or any affiliated entities. Under 15 U.S.C. 1681b, you are prohibited from obtaining and furnishing my personal credit information without my express written consent. I hereby affirm that I have never provided written consent for any party, including your agency, to obtain, access, or furnish my credit information. Delete any erroneous or unverified entries in my credit file that are a result of non-compliance with the requirements under 15 U.S.C. 1681b.
Product: Credit reporting

Requested a Formal Debt Validation Request in XXXX 2016, XXXX 2016 and XXXX 2016 and have yet to receive this information from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 items 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 items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

When I go to bank to get my money it never be safe so I talk to them about and never got no response
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 told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX 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 1681 ( 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

I have filed several disputes concerning these accounts that are being reported inaccurately on my credit report. Additionally, I have submitted multiple requests for updates on the account that needs correction. Despite this, these companies have refused to address the disputes, even though they are legally obligated to do so. 

XXXX FCU - XXXX XXXX XXXX SVC - XXXX
Product: Debt collection

Portfolio Recovery Associates filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX XXXX notifying me of the court complaint. The judgment was filed XX/XX/XXXX, however, I was a legal resident of South Carolina at that time and never received any correspondence from either Portfolio Recovery nor XXXX XXXX. The address referenced on all correspondence is an address from several months prior that was no longer in use. ***I have attached documentation to support the *first* mailed notice was **sent XXXX ( the court docs uploaded even reflect the mail was UNDELIVERABLE** ) as well as a copy of the energy bill associated with the address I was living at as of XX/XX/XXXX and the notice to vacate the unit I was residing at, at that time reflecting XX/XX/XXXX. If you actually completed your due diligence and reviewed the documentation supplied - it would become apparent it is impossible for me to have resided in Ohio to receive the notice considering I was a legal resident of SC. I also attached a copy of my SC drivers license that clearly reflects an issue date of XX/XX/XXXX. It is therefore impossible for me to have received a notice delivered to the referenced address XX/XX/XXXX.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Reference XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When viewing my credit report through CreditKarma, I noticed an inquiry from XXXX for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for XXXX XXXX. An online user referred me to this site to file a complaint, so that I may avoid running in circles with CreditKarma, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address reporting on my credit file.
Product: Debt collection

The number XXXX called me today, a recorded voice representing Premier Recovery Group, stated my name, a file number and stated that collection attempts are being escalated. I have never heard of this company, this debt or this file number. I never received anything from this company via mail. 

There was also absolutely no statement of the call being an attempt to collect a debt. I have a recording of this call if needed.
Product: Credit reporting or other personal consumer reports

I have been disputing my credit reports because I am a victim of identity theft. The disputes are not being processed according to the FRCA and the paperwork I am submitting is not being processed and attached to my disputes. I cant talk to an XXXX agent on the phone and I have still not gotten copies of the verification process
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX, XXXX and Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law The accounts have remained after 4 attempts to contact them. When I call they say they dont get my letters. 

They have not validated anything.
Product: Credit card or prepaid card

I received an email from NETSPEND regarding a debit card or prepaid card that I didn't apply for. My email was compromised and I have been receiving fraudulent messages from my providers as well as someone trying to get COVID funds in my name from unemployment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible The CFPB, s finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

I called Chase Bank to dispute an amount on my statement. Here are the events that follow : * I called Chase Bank and told them that the merchant was not authorized to charge me * Two representatives refused to dispute the amount * Then I was routed to their managers and she agreed to file the dispute * After she filed the dispute, the dispute was closed a few seconds later not in my favor * I check on Chase.com Web site to see the reason. It was a fraudulent letter to me, absolutely a lie : " The merchant reviewed your dispute, but didn't find evidence of a billing error. You're still responsible for payment and will see a charge equal to the disputed amount on your next statement. If you received a temporary credit while your dispute was under review, it'll be removed. '' * I called back and they admitted that Chase Bank never contacted the merchant
Product: Mortgage

I XXXX XXXX I got a mortgage with PMI from BankUnited, XXXX. At that time I received the Federal Truth-in-lending disclosure and the PMI was set to {$370.00} for the XXXX XXXX payments and to {$67.00} for the next XXXX payments, and no PMI thereafter. 
In XXXX XXXX the PMI increased to {$410.00}. BankUnited did n't send any notification. In XXXX XXXX I noticed a very small decrease XXXX to {$410.00} XXXX, again without receiving any notification. 
Every year, in XXXX, after receiving the escrow account statement, I inquired about these PMI changes calling the bank. I spoke with several representatives asking about the PMI change and the reason for this change, but it seemed they did n't have the knowledge or responsibility to provide an answer. Every time after these phone calls, I was told to expect to be contacted by someone else from another department, but only thing that happened was to receive courtesy letters with the conditions to drop the PMI, totally not related with what I asked about. 
This year I insisted more and I got to talk to a representative that explained to me there 's another company that charge this PMI and she will contact this company asking for the answers for me. I called back few times and I was told that the PMI company did n't reply. 
It 's been three months since I 've started this endeavor this year and still no explanation. I called back XXXX about XXXX weeks ago and the representative told me she would follow-up with them ... again. I still have n't received any call back. 
I had XXXX loan modifications during these years, in XXXX and XXXX, but the new documents did n't contain anything regarding the PMI and there was no new document added that mentioned the change in PMI. Moreover, the dates when the PMI changed were not related to the dates the loan modifications occurred. I was told also during the discussions I had with the bank 's representative that the PMI was n't affected by the new loan conditions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous fraudulent hard inquiries on my credit report that were not authorized by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the unauthorized fraudulent hard inquiries from my credit report as soon as possible. 





Also I have supporting Documents to include with this complaint ( the fraud report i filed, my drivers license, and my social security card ) but the upload portal on the complaint page is not working. I will be contacting you tomorrow to get you all of the supporting documents that i have to support my complaint.
Product: Bank account or service

I have waited several days to see if I get resolve for this unauthorized transaction to my account of {$210.00}. I hate filling out complaints, and claims because it 's embarrassing and as a customer of such a big bank like Bank Of America it should be easy for them to refund me my money, and because I am a loyal customer and so is half my family. I call numbers back and leave messages and I get now call back of follow ups! No, money had been returned and my bills keep coming and I am negative {$2.00} cause of this. If I had thousands I would n't complsin, but I still work hard at XXXX yrs old to make ends meet and I ca n't afford these types of things to happen to me, because they cripple me financially. I just want my bank to support me in times like this, because we are their customers and keep them going!! Why have a bank if they give you the run around, or just do n't help when you as the customer really need it. Sad this bank and their ways.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX SAFE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

they served my home when I was not home and left the documents with someone under XXXX they now have garnished my pay and the original medical bills were XXXX and they have garnished XXXX