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

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/year> These accounts have resulted fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit card or prepaid card

First Bankcard, a division of First National Bank of Omaha, charged our business bank account twice for a monthly payment set up on auto pay for XXXX, 2022. 

I called and asked they refund the {$12000.00} payment by check and they said they would process this and we would receive a check in 7 to 10 days. 

I called 4 weeks later since we did not receive a refund check. 

They said I charged a {$35000.00} bill the day after I called for a refund so they kept the $ This was stealing from us. 

The {$35000.00} on our account would not have been due until XX/XX/XXXX.
Product: Mortgage

Home equity loan service company SLS took over from another home equity loan service company XXXX in XXXX. Since SLS has begun servicing nothing has been correct on my account since, including payments made. Below is a description of the problem. 

In good faith I have attempted to get resolution with you, ( SLS ), regarding errors to my account to no avail. My account has always been in good standing with you, XXXX I provided proof of all payments for 2015 ) since you took over servicing from XXXX, however my current monthly statement does not reflect so. Each month, proactively, I have called SLS speaking with a number of individuals in executive services and have received acknowledgement my account is n't correct in some way or other and from several individuals been told that you had a number of errors from XXXX accounts that came to you from XXXX including mine. I was also told by XXXX that my monthly payment is n't enough to payoff the entire loan balance under the terms of the modification I completed with XXXX last year and someone needed to complete an audit. 

From XXXX last month, a review of my account is warranted, monthly payments were n't applied properly and that I would receive a call back from someone within 5 days after a review. Nothing by SLS to audit or correct my account has been completed. 

Therefore, since you have been negligent in completing a through review of my account and correcting errors, including payments, I am filing a complaint against SLS with the Consumer Financial Protection Bureau an affiliate of the XXXX Treasury that oversees improprieties against consumers. I also have reason to believe that due to my account errors with you my credit rating has been denigrated.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 loan opened at XXXX XXXX XXXX XX/XX/XXXX under account number ( XXXX ), a personal credit card account opened XX/XX/XXXX under account number ( XXXX ), an installment account opened at XXXX on XX/XX/XXXX under account number ( XXXX ), an installment account opened at XXXX XXXX XXXX on XXXX, XXXX under account number ( XXXX ), a credit card account opened at Peoples Advantage FCU on XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX & ( XXXX ) under account numbers ( XXXX ) ( XXXX ) a installment account opened at XXXX on XX/XX/XXXX under account number ( XXXX ) a personal credit card account opened with XXXX on XX/XX/XXXX under account number ( XXXX ) With a balance of {$35000.00} that appears related to the aforementioned. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX keep my deposit to cover the balance owed when moving out, but is now trying to collect that same amount and reporting it on my credit history.
Product: Credit card

I called to make my payment today, XXXX XXXX, 2024 at XXXXXXXX XXXX CST. I spoke to a representative, who took my payment because my payment was due today. He notified me that the payment would not post until tomorrow, XXXX XXXX, 2024, because I missed the time of XXXXXXXX XXXX EST, which I expressed my concerns, because I thought I was making the payment on time in my time zone. I missed the deadline by XXXX mins, which resulted in a late fee, which I think is completely unfair. I asked what is the name of the parent company and he told me it is under Comenity Bank. I would like this issue to be looked into and let me know, if this warranted or not, because I think this goes against my consumer rights. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Debt collection

I spoke with a representative named  XXXX  from  Midland Credit Management , Inc  on  XXXX   XXXX ,   XXXX  . I requested a Validation of Debt because as a consumer it is my right. Instead of honoring my request, the " supervisor '' got on the phone and started asking questions about why I would need that information. On  XXXX   XXXX ,   XXXX  , I sent a request for a Validation of Debt letter because I was disputing the debt. That information is stated in my letter. I sent the letter certified mail with a return receipt to the address provided on the back of the collections letter where it states to direct all disputes. I received my return receipt back with the date stamped  XXXX   XXXX ,   XXXX   signed by  XXXX   XXXX . I am still receiving collection calls up to  XXXX  calls a day. Some from unknown or unlisted numbers. Also during the call on  XXXX   XXXX ,   XXXX   the supervisor stated that if she did not get this matter resolved they would have to " forward this information over to their attorneys, '' which to me is threatening when she simply could have provided information as to where I could send my  XXXX  letter. I would also like to add that when the supervisor got on the line she did not state that she was on a recorded line. I did not record the phone conversation, but the call took place on  XXXX   XXXX ,   XXXX   at  XXXX  EST.
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 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 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

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Visited XXXX XXXX 's website to explore debt consolidation loan options and check rates. Through the prompt I entered in my identity information and at the bottom of the screen before clicking accept there was language staying " accepting will not impact your credit score. '' After that I received a credit alert that XXXX XXXX had submitted a hard credit inquiry. I was transferred from a local branch to corporate to speak with XXXX in the Disputes Department. XXXX " XXXX '' advised me that I am incorrect and that I must have " checked a box '' to authorize them pulling my credit through the interface. I advised her that I did not and offered to go to the website to take screenshots. She told me it wouldn't be necessary and there is nothing she can do and that I would have to file the dispute with the bureaus. She told me it was an FCRA violation for them to delete the inquiry. I advised her it was also an FCRA violation for them to conduct a hard inquiry without my explicit authorization and verifying my identity to ensure it was me and that there should be someone to whom can help me like this as it could be a technological issue between XXXX XXXX XXXX XXXX... I probed a bit more to see if there is someone else to speak to and she said that they don't have a department that can help me remove the inquiry. I advised her that this isn't an acceptable practice and that I will never do business with this organization. I then requests as a California Resident for them to remove any and all data from their systems about me ; she condescendingly stated " We'll see what we can do '' and ended the call. 

Bottomline : They are in FCRA violation by pulling my credit without explicit consent or if consent was captured it was not in a clear acceptable way that I knew as an end user what I was doing. As result, my score decreased XXXX points via Experian for just checking a rate on a personal loan. This can impact negatively and the service I received was negative. Now working with the bureau on the appropriate dispute.
Product: Debt collection

Complaint and Legal Grievance Regarding Consumer Compliance Practices Dear Sir/Madam, I am writing to formally dispute the practices of Waypoint, which I believe are infringing on my legal rights and are in conflict with established laws, policies, and consumer protections. This letter also serves as a formal complaint to be submitted to the Consumer Financial Protection Bureau ( CFPB ). Overview of Incident : A week ago, I received a call from Waypoint demanding payment. During the conversation, I let the representative know that the amount owed was incorrect and that the debt wasn't mine. She proceeded to bully me, twisting every word that came out of my mouth. I asked that they please stop calling me because they called many times a day, 8-10 times a day. There were many times I answered, I would say, " Hello, Hello? '' and I could just hear computer clicks, and no one would respond on the other end of the line, but it was Waypoint on the caller ID. She said they wouldn't stop calling and would report a certain amount on my credit report. They put false information on my credit report and violated my rights. I am demanding that they remove this false information from my credit report. 
Intimidation Is Unacceptable : Attempting to use internal policies to intimidate consumers into compliance not only violates ethical standards but also raises serious legal and reputational concerns. My Position Regardless of their internal policy or perspective, the following points remain clear. As a Colorado resident, I was within my legal rights of 1. Good Faith Obligation : Under the UCC, businesses must operate in good faith and ensure fair dealings. Conclusion The practices described above are improper and create unnecessary barriers to the fair and transparent resolution of financial obligations. I urge Waypoint to address these concerns promptly and to ensure their practices respect consumer rights and comply with all applicable laws. Thank you for your attention to this matter. Please contact me directly at XXXX if further information is required. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Service are knowingly reporting wrong information under my social security < they have been provided numerous documents to help them to correct their file but have done nothing, still as of today XX/XX/2021 are still reporting inaccurately and should be held liable for my damages.
Product: Credit reporting or other personal consumer reports

i contacted the company equifax stated to them i notice some inquiries on my report i did not authorize. They came back in less than 24 hours and stated >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE SER Page XXXX of XXXX XXXX ( Continued On Next Page ) XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 ND MR EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX  XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX if i am telling them I did not give these companies permission to check my report for the purposes stated then who gave them access to my report without my knowledge? How are the factual data and will remain if they are on my report without permission? These credit reporting agencies are getting out of hand with them continuing to allow things knowingly and will not delete them. They have laws to abide by and they refused on countless occasion in my cases do this to often. The USC codes are there to protect the consumer ( me ) from unauthorized accounts, inquiries etc. and once disputed the credit reporting agency is supposed to investigate the claims not use a auto response system to reply, nothing can be investigated following the laws and properly in less than 24 hours. Stop giving these reporting agencies the right to disregard the laws they are upheld to uphold and start making them actually do what they are supposed to.
Product: Credit reporting or other personal consumer reports

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the court that Transunion claimed they verified a XXXX  XXXX bankruptcy Reference Number ( XXXX ) reporting on my credit profile. The court stated that they do not report information to credit reporting agencies and XXXX XXXX They also stated that they do not verify information with credit reporting agencies. I have sent Transunion documentation that they ask for to remove this public record. but it has been removed or verified.
Product: Credit reporting or other personal consumer reports

Trans union is reporting bankruptcy on my credit report and they have put in the date of furnish XX/XX/2015 & USBK COURT XXXX XXXX  which is false. I have attached a letter from the United States bankruptcy northern district of XXXX stating that they dont furnish any information over to any credit reporting agencies or provide any bankruptcy information to any credit reporting agencies at all.

Trans union is falsely stating this information on my credit report and has yet to removed this false information from there credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has resulted in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$85.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$86.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$940.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} UNAUTHORIZED BILL COLLEDTION - XXXX - XX/XX/XXXX - {$1100.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Based o information received by Chime, I attempted to open an account online with Chime. 

I disclosed my correct name, address, date of birth, and social security number and the fact I am paid via direct deposit. Chime rejected me via pop-up screen. Chime has refused to state the reason. Chime has refused to provide me with a copy of my credit report. Chime also fails to disclose its address. Chime refused to mail me a copy of the rejection of credit letter. 

Chime now has all the information they need to commit credit fraud, and I have zero recourse. 

Chime advertises itself as being easy to deal with and a " Second Chance '' bank, designed for people with credit problems. However, I am not a credit risk, and my credit tis good. 

I deserve to know the reason I was denied credit and a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.