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

in accordance with the Fair Credit Reporting act 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 XXXXXXXX have 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 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 with antedates the report by more than seven years.

As noted, federal Identity theft laws are covered under 18 U.S.C.
1028, which prohibits anyone from misusing someone's identifying information, whether personal or financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Others frauded my documents and to pull naming scams using XXXX herds of IDs and XXXX business permits and XXXX internet off my credit file and birth certificate Other pulled like frauding scams my credit files for XXXX plurized fraud scams fraud scams frauding my documents Others frauded my documents as mailing address Others frauded my documents as politican Others frauded my documents as police and sherrifs in many states Others frauded my documents as XXXX XXXX XXXX Other frauded my documents as bedroom products
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. Please see the attached file for the complete explanation and for the remedy. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ).

You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the XXXX name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information in my credit file that I believe is incorrect. This request is made under the Fair Credit Reporting Act ( 15 USC 1681 ). 

The following information currently listed on my credit report is incorrect and I request that it be corrected as soon as possible : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Incorrect Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct my phone number to : XXXX 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX My correct name is XXXX XXXX. 
Additionally, please delete all information in the employer section as I am currently not employed. 

I appreciate your prompt attention to this matter. According to the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. 

Thank you for your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX
Product: Debt collection

During the XXXX Pandemic I did not take XXXX dollar of unemployment or XXXX  funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the XXXX timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX  my credit was ran multiple times and I went in the dealership with a credit and specifically said do not run my credit. But they ran my credit XXXX different times.I went to them explaining what I was seeing on my credit report. And they sent a first that was very vague about the removal of these inquires. So I went and had another letter sent with the details of the inquires that the dealership put on my credit.
Product: Credit reporting or other personal consumer reports

Upon closely inspecting my most recent credit report, I noticed an unauthorized credit inquiry that has yet to be addressed. This clearly indicates a breach of my credit security under your watch. Despite my submission of FTC report XXXX XXXXXXXX, this matter remains unresolved. I previously reached out to the company listed below, requesting the removal of this unauthorized inquiry from their records and from all credit reporting agencies. They confirmed their intent to comply and each received a certified letter acknowledging the inquiry was unauthorized. I now demand the prompt removal of the unauthorized inquiry mentioned below. This complaint highlights an unauthorized hard credit inquiry that persists on my report, with XXXX ( XXXX ) inquiry still visible. For your reference, I have enclosed my latest FTC report, number XXXX. Your continued lack of response is deeply disappointing. When will EQUIFAX act to eliminate this inaccurate hard inquiry from my credit file? My repeated requests have been ignored for an extended period. Please discontinue any delaying tactics and remove the inquiry : EQUIFAX : XXXX XX/XX/2023. As per the Fair Credit Reporting Act XXXX XXXX ( a ), you are mandated to remove items that were opened without my consent, knowledge, or authorization within XXXX business days of receipt, provided that you receive ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of the information by me; and ( XXXX ) a declaration from me that the information is not linked to any transaction by me. This notice serves as a formal warning that failure to remove this inquiry from my report will compel me to initiate legal proceedings. My attorney is fully aware of this situation and is prepared to take action against noncompliance. This is my XXXX XXXX. Remove the erroneous inquiry from my credit report immediately. Thank you for your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.
Product: Credit reporting or other personal consumer reports

I sent an letter which is attached stating I discovered an unauthorized account listed. Under 15 USC 1681, it is clear that this account was added without my consent, and therefore, I demand an immediate removal. 

Experian came back that this info was verified. 

I respomded with letter attached that assertion that these items were verified is unfounded and fails to meet the criteria outlined in my original complaint. 

Please be reminded that my initial correspondence explicitly demanded either physically verifiable Metro 2 compliant proof or immediate deletion of the challenged items. Your response did not satisfy these requirements. 

I have not had a response with proof.
Product: Debt collection

On XX/XX/XXXX I received a phone call from a company saying this was their second attempt to contact me to sign for documents regarding a debt that they were collecting. When I called the number given to me back ( XXXX ) and gave them my case number of XXXX XXXX XXXX let me know that someone would be coming to my house to deliver paperwork about a debt that was going to be pursued and I had to sign the paperwork and legal action was going to be taken. I was told the debt was {$720.00} originating from Fifth Third from XXXX. She then said if I paid this amount over the phone and settled the debt then they would stop all legal action which could include a lean on my property, wage and income tax refund garnishments as well as revoking my license. The information that I was given regarding the company is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. When I XXXX this it is a XXXX Store. The paperwork sent to me while on the phone with XXXX and her bullying was enough to make me fall for this scam and I stupidly gave her my debit card information over the phone. It wasn't until I got off the phone that I actually had a moment to think and process this whole thing and realized I was scammed. The company does not come up on any XXXX search, neither does the phone number. I have called my back to try and dispute the charges and cancelled my debit card to prevent further fraudulent charges.
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 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 Experian, alleging systematic 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 actions to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

They put on my credit that belong to my dad, but the thing is that they use my social and information like if i signed a contract on XXXX and i get my social on XXXX
Product: Credit reporting or other personal consumer reports

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX. XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had a vehicle that was repossessed, for failure to make payments as agreed. 
The vehicle was sold by the bank ; but not for the amount in which they were expecting. 
So, they expect me to pay the difference. Now keep in mind the vehicle was taken from me so I feel that all legal obligation to repay the difference is not my responsibility. 
I have a collection company that is hounding me to pay the difference. 
I feel that this is not fair to me, and I refuse to pay the cost.
Product: Credit reporting or other personal consumer reports

I saw some unfamiliar Collections on my credit report. These collections are causing issues in my everyday and are detrimental to my credit health
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Product: Checking or savings account

XXXX XXXX XXXX took money from my Bank of America debit account on XX/XX/XXXX for a hotel stay booked for XX/XX/XXXX. XXXX XXXX XXXX went out of business on XX/XX/XXXX and I can not recoup funds from either company. I was not notified that XXXX XXXX XXXX was closed, therefore I did not file a complaint until XX/XX/XXXX, when I returned from vacation. Bank of America stated my complaint was outside the time frame for them to issue a refund although I have told them I found out about XXXX XXXX XXXX closing on the day I started my vacation. Why would I file a complaint when I had ( at that time ) no reason to complain?
Product: Credit reporting or other personal consumer reports

According to 20 U.S. Code 1232g - Family educational and privacy rights : it states it protects your privacy by restricting the disclosure of personally identifiable information without your consent. This extends to financial information related to your student loans. Institutions must generally obtain your written consent before sharing specific details about your XXXX XXXX or XXXX loan status with third parties. In addition to this policy, XXXX has obtained my information without my consent and is not basing my right to XXXX due to the amounts they are starting I owe. I did not give any consent for XXXX to obtain any of my student loan records nor did I give consent for XXXX to contact me regarding any finances or my student records. They do not have my signature for any loans XXXX states I woe to them or any documents that I have provided.
Product: Checking or savings account

I was unable to link my PNC debit card to my account
Product: Checking or savings account

Navy Federal Credit Union did not address any concerns when it came to the money they took from my account. On two separate occasions they charged me return check fees when I did not initiate any such transaction. I also reported my card being used for XXXX in which they claimed I received product or services. This is not true since the order was delivered to Michigan and Im currently in Texas! I even went into a branch to get a new debit card which was in XXXX Texas so how was I able to order something for delivery in another state! Clearly Navy Federal Credit Union has not learned their lesson from the lawsuit filed by the CFPB and clearly does not plan on following the orders given. They are not suppose to charge these bogus fees and has not given me my money back. They also continue to block me from accessing products by stating I have to provide a discharge from bankruptcy when I did not file and has since sued all credit bureaus for reporting this information! This is clearly a case of discrimination.
Product: Credit card or prepaid card

Costco promotes their Credit card as Visa Signature issued by Citi, all their pictures show that the card is visa Signature and even their brochure show the same. I applied on the credit card and was approved. I received my credit card with the Visa Signature stamp on it. So I started using the Citi credit card having the Visa Signature benefits. After trying to use the benefits, I contacted Visa and to my shock they said that the provided card number is for Visa Traditional and not Visa Signature. So I contacted the bank to tell them that the  visa is issued by an incorrect number. Here I was shocked to get the feedback from the bank that this is a visa traditional card and not a visa signature ( as promoted by Costco and printed on the card by Citi ).

Please I want to file an official complaint against Costco for their misrepresentation of their card and against the bank for providing a fraudulent card which shows Visa Signature while it really is not. I am attaching a copy of the card for your review, the card shows Visa signature while the Bin number is for visa traditional.
Product: Debt collection

I recently checked my credit report and found several addresses and accounts that were not mine. I have filed a police report and even tried disputing the fraudulent accounts but have had no resolutions. Below I am listing the accounts and address that are false. 

Experian : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXXBalance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX/XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$150.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} XXXX Accounts : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} fraudulent addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ///XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Product: Mortgage

I made my loan mortgage payment on XX/XX/XXXX via telephone with a Rushmore Customer Service Representative, XXXX, AGENT ID # XXXX. Upon giving her my Bank Accounts routing number and account number, she gave me Confirmation # XXXX. 

The agent was aware as to why I was making a late payment for the first time! I also told her it was in regards to the ongoing Escrow Insurance Account Discrepancy! 

The agent stated that she would wave the late fee and assured me shed look into the ongoing/unresolved issue with my XXXX XXXX Account since XX/XX/XXXX as well. I never heard back from XXXX. 

On XX/XX/XXXX & again on XX/XX/XXXX, Rushmore Loan Management sent out these letters stating that my XXXX mortgage payment was delinquent! I immediately contacted the lender and i was told that the agent XXXX, ID # XXXX, did not process my payment correctly, yet I was given a PAYMENT CONFIRMATION NUMBER! 

The entire state is absolutely clueless and ridiculously unprofessional!
Product: Credit card

I received a call today from Bank of America, # XXXX asking me if I requested a XXXX XXXX from XXXX, Florida to open a credit card in my name, with her as the secondary user. Said card was pending approval after I was contacted, in the amount of {$10000.00}. I told them this was not authorized by me at any time and that I did not know of this XXXX XXXX. They told me that they stopped the issuing of said card, and gave me the confirmation code and a case number. They then put me on hold for another party, a XXXX XXXX, whose number is XXXX ext. XXXX. She knew all of my credit card numbers, holders, my social, address, phone number and she tried to reassure me that everything was alright and taken care of. I am worried as there were a lot of questions that I answered yes to, now worried it was all a plot to retrieve and confirm my personal and financial information.