23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/year>, 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 credit card account opened at XXXX XXXX  under the account number XXXX open XXXX XXXX, account opened at XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX under the account XXXX, XXXX Card account XXXX open XXXX, XXXX, account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( unknown ). 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.Consumer Name : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  under the account number XXXX open XXXX XXXX, account opened at XXXX XXXX XXXX XXXX XXXX and XXXX XXXX under the account XXXX, XXXX XXXX  account XXXX open XXXX, XXXX, account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( unknown ). 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 # XXXX 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: Mortgage

Complaint : Quicken Loans pull credit report of clients instead of collecting and evaluating available information from clients to determine pre-qualification. This malpractice, even for clients not approved, negatively effect their credit. 
I submitted online the information of my property in Florida that is under water. XXXX XXXX ( ( XXXX ) XXXX from Quicken called back and without providing basic information about and requirements of HARP, insisted that I provide my Social security # so she can pull my Credit Report. When I asked what are the requirements she persisted to get the information from my report. When I provided her my credit score and current loan type she still insisted that I give her my SS # because " Most Clients do not know how to read their credit information '' I objected to be classified as " most clients '' and requested to speak to a supervisor. XXXX XXXX came on the line and also insisted that i give my SS # for them to determined my eligibility for the HARP program. I informed him that my credit is excellent, provided my credit score of XXXX and my current loan type ( not FHA, VA, XXXX nor XXXX ) and asked him if I qualify. He insisted that he can not tell me unless he pull my report. I complain that pulling my report before checking if I qualify based on the information I provided will affect my credit even if I am not qualified. He repeated, " Most clients can not read their credit report. '' I again objected to be classified as " Most clients '' or a flock of " dumb sheep '' as I interpreted their remark. I then request information of external agencies to make a complain. He told me that he has no other information and transferred me to Quicken Client Relations. XXXX came on and repeated that it is Quicken 's Policy that their loan officers pull credit report to determine eligibility since " most clients '' do not understand their Credit Report. I again requested information of external agencies to make a complaint and was told that she has no information to give me. I next ask to speak to her manager. XXXX XXXX ( XXXX ) XXXX ext XXXX in XXXX MI came on and again referred to " most clients '' are not able to read their credit report and refused to provide me with an agency to make this complaint. 
In conclusion, Quicken Loans policy to pull credit report before pre-qualifying the client based on information obtained from the client and with no concern for the negative effect of pulling the credit report is a bad practice and should be amended in the interest of the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violation of my federally protected consumer right.

Please See Attachment
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a Chime transfer of {$600.00}, which I promptly opened a Chime account to store. I was informed I would receive {$15.00} to open this account. 

On XX/XX/XXXX, I initiated a transfer from my Chime account to my bank account. 

On XX/XX/XXXX, I was notified by email of the abrupt closure of my Chime account. 

On XX/XX/XXXX I was informed by Chime support on the phone that a check for the sum of {$600.00} would be mailed to my address within 30 days from the account closure date. 

On XX/XX/XXXX, not having received a check, I called Chime. I was informed that no check would be mailed because my account is not eligible for a refund. They also refused to escalate my call to a manager. 

They just ate my {$600.00}! How is this legal?
Product: Credit card

On XX/XX/XXXX, I called my credit card company to discuss a settlement agreement for my credit card debt on two Capital One credit cards. A settlement amount of {$710.00} for one card and {$3600.00} for the other card was agreed upon. The payment date was set for XX/XX/XXXX, but I opted to provide my account information that day to pay off and close both cards. I insisted the amounts be debited XX/XX/2024. I gave a routing number and checking account number to the CSR and received two emails on XX/XX/2024 that said they payment was scheduled for XX/XX/2024, and both emails included payment confirmation numbers. On XX/XX/2024 I received another email saying there was a problem with my XXXX checking account and it had been removed. Looking at my account, the payments never came out. I called Capital One to ask them what happened and to debit the payments immediately. I was told that since I called after the payment due date of XX/XX/2024, that they were no longer able to honor the terms of the agreement and that I was responsible for the full amount. I asked for a manager to review the call to confirm the correct account number was used, and was told that they weren't allowed to disclose that information and that there were " no discrepancies '' on their part. I pointed out that I had two payment confirmation emails and was told " that didn't matter. ''
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby appealing and submitting a complaint regarding the previous denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
The denial letter that you provided indicates that your company failed to contact the investor for approval to complete a loan modification on the clients behalf. This is something that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you suspend foreclosure during this complaint in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX is reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name listed on my consumer report. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other address listed on my consumer report. Each credit bureau is listing different information other than whats correct. The below information needs to be removed immediately. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my second-time requesting 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 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

These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.
Product: Debt collection

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, and XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have report XXXX XXXX ( XXXX ) numerous of times and Experian is the only company who has not removed it from my credit report. It's fraud and don't belong to me. I have report it with the federal bureau of identity theft and mailed them off a report and Experian has failed to remove it from my credit report. XXXX and XXXX have removed it from my credit report and its causing me a hardship with purchasing a home.
Product: Credit card

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Product: Credit reporting or other personal consumer reports

I requested they remove the bankruptcy reporting on my credit reports numerous times XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXl XXXX # XXXX XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX