23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXXXXXX, XXXX. on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at 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 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

Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all three Expirian XXXX XXXX for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND CREDIT INQUIRIES THAT I HAVE NO KNOWLEDGE OF AND ARE NOT MINE. I NOTICED MORE INQUIRIES FROM CREDITORS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT AUTHORIZED THESE TRANSCATIONS. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND MAIL ALERTING THEM OF THESE ACCOUNTS. I REQUESTED VERIFICATION, AND THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORAMTION TO BE FURNSIHED TO MY PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. FURNISHING INFORMATION RESULTING IN IDENTITY THEFT FURTHER VIOLATES 15 USC 1681C-2. 

THIS INACCURATE INFORMATION BEING REPORTED TO MY PROFILE IS SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian 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 disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

All reports and account numbers that are derogatory in nature.

15 USC 1681 section 201 A States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

i contacted equifax transunion and experian for my credit reports, there is alot of hard inquries on all my credit reports by companies i never heard of nor did i apply for any loans or services from all these companies on TransUnion, Equifax and Experian companies, i had filed several complaints but they refuse to do nothing in which i was recently denied for loan., my credit report and information on my credit reports was data breached in XXXX  social security number too.just finding this out, but i was in the hospital for XXXX XXXXXXXX XXXX XXXX and i missed the deadline to file with the settlement administrator, all my personal information was breached on all my credit reports i am still recovering from a 6 hour operation i had XX/XX/XXXX XXXX i was in the hospital i have a XXXX and XXXX XXXX still helping me to heal and recover thru home visits 2 times a week.till this day. by law all credit reporting must remove all negative inquiries and company inquires within 30 days.please look into this as there are alot of mistakes of late payments as well i should only have 2 inquries on all my credit reports one is from rocket mortgage and thats it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawful use of reported false information due incorrect address an name on file don't match my government issue identity card provide by law I believe everything was reported unlawful activity happened to theses companies allowing debts collected agency reported false information to report a debt I have anything do with fail to investigate before added to my credit report with out proving identification card on file
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ), consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumers ' privacy. XXXX, Experian, and XXXX are consumer reporting agencies bound by these principles. As a consumer, I am entitled to ensure my private information is safeguarded, supported by 15 U.S.C. 6801, which obligates financial institutions to protect customers ' nonpublic personal information. 

15 U.S.C. 1681, section 604 ( a ) ( 2 ), states that consumer reporting agencies can only furnish a consumer report with the consumer 's written instructions. Neither XXXX, Experian, XXXX, nor any financial institution providing information to these credit agencies has my explicit written consent to share my information. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

15 U.S.C. 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties without giving consumers the option to opt out. I was not informed of my right to opt out by any information furnishers. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information older than seven years in a consumer report, except for criminal convictions. The adverse item reported on my account without my consent violates this regulation. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits furnishing information to a consumer reporting agency if it is known or believed to be inaccurate. Furthermore, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to permissible purposes. 

XXXX, Experian, and XXXX are not adhering to these procedures. Under 12 C.F.R. 1016.7, I am exercising my right to opt out of their reporting services.
Product: Debt collection

LVNV Funding has not notified me of any debt whatsoever. They never contacted me before furnishing my personal information to XXXX, XXXX, and XXXX XXXX. I have never done business with LVNV Funding. Why are they housing my personal credit information? I have sent a Notice of CEASE AND DESIST to the company yet they are still reporting to the 3 bureaus. This complaint at receipt of delivery will also constitute a cease and desist of all collection activity, and all communications attempts to collect a debt including furnishing my information to XXXX, XXXX, and XXXX XXXX. 

Also according to XXXX LVNV Funding is not licensed to collect debt in the state of Virginia. Which is my place of residence since birth. I have included a screenshot of the government website and the notice I sent LVNV Funding.
Product: Mortgage

Please see attached document which has the wrong amount -- -- -- I have tried to communicate with the bank
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information Please correct the items below : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Mortgage

I represent the homeowners in pending foreclosure litigation. On XXXX XXXX, 2015 I received a short sale denial letter from Carrington Mortgage Services , LLC, dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirements for Short Sale Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. On XXXX XXXX, 2015, I received a deed in lieu denial letter from Carrington dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirement for Deed in Lieu Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. 
The reason given for denial for both short sale and deed in lieu is wholly inadequate in that it lacks any detail and does not provide any basis for correcting any inadequacy or challenging the denial. 
The time given to appeal is wholly inadequate in that I received the denial letters two days after the appeal deadline. 
On XXXX XXXX, 2015, I wrote to Carrington 's attorney stating the above and to date I have received no response -- including no reason for the denial and obviously no way to remedy any legitimate deficiency in my clients ' application.
Product: Credit reporting or other personal consumer reports

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is against Experian.
I have paid for, and requested free   XXXX    agency credit reports and Experian has refused to send them to me.
I just requested a credit score through  XXXX , these were the results :   XXXX     XXXX    XXXX   XXXX  Experian  XXXX  ( a difference of  XXXX !!!! ) I attempted to file a claim against them, using their website, and there identification data is so bad, I ca n't pass their identity authentication! ( no problem with the other two agencies! ) It 's a catch 22, if they wo n't send me my credit report, how can I tell them where they are wrong.
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One should expect a certain amount of self monitoring. When the agency checks its results against the other agencies, and sees a large discrepancy in credit number, they have got to make an effort to investigate it and correct it.
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It looks like this may be a revenue generating strategy on their behalf, or if not, complete incompetence. They must have a record of my making attempts to obtain a report multiple times, but do not appear to be interested at checking their records to determine why there might be problems.
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Note, that I am a member of  XXXX , and   XXXX   makes requests to deliver credit information on my behalf. this should demonstrate sufficient authentication to show them that something is desperately wrong with their records and authentication methods.
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By misreporting my credit for over 12 months, they are doing a disservice.
When you penalize an individual and deliberately prevent him/her from making corrections, this is a big problem. Deformation of character.
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I 'd like to recommend that an audit be made of Experian 's operational activities, to identify the extent of their inefficiencies. I have spoken with others in the industry, and they have stated that Experian is known for inaccuracies. This needs to be fixed, or they need to be closed down.
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Ref : Links regards their services : https : //www.consumeraffairs.com/privacy/experian.html Better Business Bureau ( 98 % Negative reviews ) https : //www.bbb.org/sdoc/business-reviews/credit-reporting-agencies/experian-consumer-services-in-costa-mesa-c a-13062929
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU DID NOT ANSWER MY QUESTION AT ALL AND DID NOT FIX ANY ISSUES ON MY CREDIT REPORT!!!!!!!!!!!!! TELL ME WHY MY SCORE WENT DOWN 17 POINTS AND FIX THE ISSUES THAT WERE DISPUTED TO YOUR OFFICE. YOU SHOULD ALREADY HAVE THESE ON FILE!!!!!!!!!!!!!!!

MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.
Product: Credit reporting or other personal consumer reports

The underlying company XXXX XXXX XXXX XXXX  is currently listed on my credit report as a debt of XXXX. I have no recollection of ever doing business with this company. I have also contacted this establishment in the past as well and advise them of this incident. However, they have not complied. I have ask for any instrument bearing my signature that constitutes my involvement with them.. I have not receive a response.
Product: Checking or savings account

I fist received text messages from Citizens Bank in XX/XX/XXXX congratulating me on my new account. 

I have never had any accounts or business whatsoever with Citizens Bank, so this account must have been opened via fraud. 

I then received communication in the mail from Citizens Bank N.A. on approximately XX/XX/XXXX that I had an overdrawn checking account and owed {$49.00} of overdraft fees. 

I contacted Citizens Bank, they documented my complaint and advised me to report the case to the FTC.
Product: Credit reporting or other personal consumer reports

As per checking on my credit report last XXXX months ago, I saw these inaccurate addresses and name on the personal information section of the report. I tried contacting the credit reporting agencies by sending them letters requesting to remove these information because they are not mine. Upon checking my latest report last XX/XX/XXXX, these incorrect information are still there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I filed a dispute with Cash App under account : $ XXXX for a transaction that took place on XX/XX/2024, in the amount of {$1400.00}. I received an email stating that my dispute was approved in my favor and my refund would be sent to my XXXX XXXX XXXX card that was linked to this cash app account. I have yet to receive a refund to my account and the only thing your representatives are suggesting is to call XXXX XXXX XXXXXXXX. We'll I have done that multiple times. I have attached a copy of the email that was sent to me. I need thus resolved immediately please thank you
Product: Debt collection

This company calls repeatedly. I already told them several times that the person theyre trying to reach isnt me, they have the wrong number. Theyve been calling at least 10 times a week for almost a year and they never leave a voicemail. Theyve even threatened me and told me that if Im lying, I will be put in jail. They dont stop. I put my phone on silence because of them so I end up missing phone calls from people I actually know.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

US Bankruptcy Court South Carolina Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021, I sent USDXXXX to my daughter 's newly opened Chase account. 

As previously sent to my son to his XXXX XXXX XXXX account, I have paid my share of wire transfer fee. 

However, she received a gross amount of USDXXXX, which is USDXXXX less. On top of that, she was charged USDXXXX wire transfer fee which we expect. My son will always receive the full amount before being charged USDXXXX wire transfer fee. 

I tweeted Chase bank on XXXX XX/XX/2021, the person in charged told me that there could be an intermediary bank that is why there is extra charge of USDXXXX. 

I checked with my bank and obtained the swift report XXXX and there is no intermediary bank. So rightfully she should be receiving the gross amount of USDXXXX 

I tweeted Chase bank again on XXXX XXXX, and the person ask that my daughter reach out to Chase and they will help. After almost a week, they was no reply from Chase, so she called Chase bank call center and only to be told that the USDXXXX was the fee charged by my bank, which was absurd. 

Instead of USDXXXX wire transfer fee which is the published rate, Chase is indirectly charging USDXXXX for wire transfer!! We have never had such problem with XXXX  XXXX XXXX. We find Chase very unethical blaming on intermediary bank and sender 's bank when it is clearly stated on the swift report that the charges are shared. 

Please help, thank you. 

Best regards