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

Im filing this identity theft affidavit to report fraudulent accounts appearing on my consumer FICO credit report. The following accounts are XXXX XXXX {$16000.00}, XXXXXX/XX/XXXX {$0.00}, XX/XX/XXXX {$2200.00}, XX/XX/XXXX {$140.00}, XXXXXX/XX/XXXX {$0.00}, XXXX XXXX {$590.00}, XXXX XX/XX/XXXX {$500.00} and i have 28 inquires that i don't recognize. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX California XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Prepaid card

I have several Visa debit cards issued by XXXX and serviced by Incomm which have been locked or blocked and I am unable to use. This has happened to me previously and requires a lengthy phone call to obtain replacement cards. I have had to call about 6 times already for other cards to have this resolved. I know of other individuals who are or have experienced similar issues. I can provide card numbers.
Product: Credit card or prepaid card

WELLS FARGO TRYS TO SOLICIT ME A CREDIT CARD USING MY NAME WITH THE SOLICITATION AND WAS TOLD SEVERAL TIMES TO OPT ME OUT AND CAN NEVER DO IT BECAUSE THE SOLICITATION IS ANOTHER NAME OTHER THEN MY SELF WHICH I BELIEVE ITS MY SONS NAME ON THE CARD. THEY WERE TOLD NUMBERUOUS TIMES TO TAKE MY NAME OFF THIER SOLICITAION OR OPT OUT WHEN SENDING THE SOLICITATION TO MY ADDRESS WHICH I HAVE NO RELATION SHIP WITH WELLS FARGO BANK! WHEN ASK TO STOP USING MY NAME OVER 6 TIMES IN A 4 MONTH PERIOD NEVER SEEMS TO STOP THIER PRACTICE AND CONTINUE TO USED MY NAME ON THE APPLICATION SOLICITATION WITH OUT MY AUTHORIZATION FOR THE 10 TIMES IN 6 MONTHS I ASK THEM TO STOP THE PRACTICE. ID THIEF IS ONE OF THE FASTEST MOVING CRIMES IN AMERICA AND I DO NOT WANT TO GET ON THAT LIST!
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 US 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXXXXXX XXXX : Acct # XXXX, XXXXXXXX XXXX XXXXXXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX 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 : States a consumer reporting agency can not furnish an 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 ) : States 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 the information is inaccurate.

After filing complaint, there was no follow up from the companies. However it was noted on my report that the consumer disputes the account ( s ).
Product: Debt collection

Navient placed loan in default and went to my son 's home to serve me w a civil lawsuit. My loan is in forbearance per President Biden and the Borrowers Defense. This has caused me stress and XXXX  and I was denied a sufficient car loan because of the false reporting.
Product: Credit reporting

Collection agency has falsely reported on my credit report.I had this same issue happen in 2015. The same creditor has referred account to another collection agency. All the circumstances are the same. I wrote my state dept. of consumer services and the suggested I contact you. I have also filed a dispute with the credit reporting agency and the collection agency. I would really appreciate some help. My credit score is severly lower due to this problem. This is such an assault to an individual both financially and emotionally.
Product: Debt collection

a dispute the first dead and they can not verified so was deleted.and now they do another one for {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Product: Credit card

On XXXX I received an alert from XXXX that a new account had been opened in my name. This alert took me to an experian account where I found a new credit card that had been opened with J. P Morgan Chase Bank ( JPMCB ) and had a charge of {$450.00} on it made on XXXX. 

This charge was not me. I did not open this account.
Product: Student loan

I am a XX/XX/2022 graduate of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I applied for a Sallie Mae XXXX XXXX Loan on XX/XX/2022. The loan was set to disburse in two {$5000.00} payments on XX/XX/2022, and XX/XX/2022. 

I changed my address with Sallie Mae on XX/XX/2022, directing them to send the checks to my family home in Maryland. Afterward, Sallie Mae placed a fraud alert on my account. I timely submitted two proofs of address to have the alert cleared. 

Frustratingly, Sallie Mae has mailed neither the XXXX nor XXXX checks to the Maryland address. They are currently charging me interest on both -- I accrued {$38.00} in interest this past month. This is unacceptable! 

I have called Sallie Mae 's customer service hotline 5+ times over the past month and their staff is routinely incompetent. I typically wait on hold for an hour just to be greeted by confusion, one staffer fixing an error by one of their colleagues. 

I need my {$10000.00} XXXX XXXX  loan to pay for my summer expenses and support my mom until I begin work as an XXXX this fall. Without the loan funds I was promised by Sallie Mae, I've been living off of a high-interest credit card. Please help!
Product: Credit reporting or other personal consumer reports

After examining my credit report, I identified inaccurate accounts that were not the result of an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 

Here are the accounts that needed correction : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} This is my follow-up complaint in line with my prior complaint dated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For 4 of the last 6 months, beginning in XXXX of 2020, Equifax inexplicably drops my consumer credit score by over XXXX points. One day they enacted a XXXX point drop. This occurs without cause. My balances don't change much, businesses reporting don't change, there are no new reports. I haven't had a bunch if inquiries. My CC balances haven't changed much, up or down maybe {$50.00}. Yet for weeks at a time I have this huge dip. XXXX and XXXX don't do it either. In my state almost everone uses Equifax and they just keep this up. There is no way to get a hold of them with any result on this because it's internal to them and not a dispute of reported information. Online or by phone, no one can explain a cause. Requesting an escalation is simply not within their structure. They are absolutely unwilling to accept responsibility to explain or correct the issue and have no publicly accessible source to resolve the issue.
Product: Credit reporting

Experian.com offers {$1.00} credit report. Purchased on a mobile device, the XXXX day " trial '' terms and monthly subscription fees are hidden and true service costs are deceptive. XXXX days after signup, they have billed for a {$21.00} monthly credit watch subscription service. I called to dispute the service and the charges and was refunded {$21.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have been involved in identity theft, who has some items on my report that were as the result of identity theft. I also found out my information was leaked in the XXXX data breach. I keep letting XXXX, Transunion, XXXX, and they keep saying these fraudulent accounts are verified and they can't remove them even after I have submitted an FTC report to show that these accounts were fraudulent and I didn't benfefit nor consent to these accounts or inquiries. These collection accounts never reached out to me before placing these accounts on my account, which violates 15 usc 1692g as they were to write me 5 days before placing them on my report. Please investigate these accounts and block and remove them after confirming they are fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Transunion COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Transunion that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. XXXX - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( XXXX ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ XXXX parties. Why does Transunion allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. XXXX of the GLBA can be substantiated, I DEMAND that Transunion PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Transunion are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses.
Product: Mortgage

I called Wells Fargo to ask to skip one payment on my mortgage which was a program they offered in the past as a courtesy. Wells Fargo would add the excused payment to the end of the loan. Was advised bu the home preservation rep they no longer offered that program but referred me to NC XXXX XXXX XXXX and said no negative credit reporting would happen while in the program on numerous occasions. On the referral from Wells Fargo I enrolled in the NC XXXX XXXX XXXX which was in contact with Wells Fargo and notified them I was in the program and payment would be processed. I was approved for XXXX months of assistance and the program would forward payments directly to Wells Fargo. I was in constant contact with Wells Fargo during the program ( which Wells Fargo should be able to pull ALL the calls made to their XXXX XXXX department since they are recorded. Wells Fargo pulled one call in XX/XX/2023 and stated no one said no bad impact to my credit which I contest ) and was told the NC XXXX XXXX XXXX would take a few months to process the payment to Wells Fargo and there would be no negative impact to my credit. Wells Fargo with knowledge of me being enrolled in a program they referred me to, and mortgage payments were going to be paid, reported me late to credit bureaus and ruined my credit on purpose. When full payment was made, Wells Fargo never reported the payments to the credit bureaus without me contacting them and complaining that they received all their money to date.I have attached the Award letter from the NC XXXX XXXX XXXX that Wells Fargo also received on my behalf. Wells Fargo caused me financial harm which proves they should be put out of business. They participate with bad business practices and do not care about their customers at all. Please investigate how many innocent consumers who sought out help from Wells Fargo, were referred for that help and then purposely harmed financially by Wells Fargos Actions. There is no excuse for their actions. I hope the XXXX XXXX XXXX will protect us consumers and go after Wells Fargo once again with their history of fraud and bad business practices.
Product: Credit reporting or other personal consumer reports

Please correct my credit report and remove all negative information from my report due to data breach. I have supplied necessary information and I want it done based on FCRA laws. 
It should not take more then XXXX days. I expect immediate actions and corrections. 
I need all negative information again, removed from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I so not saying they are reporting right or wrong, I am just saying that I am not 100 percent sure if they are I also read something called the Fair Credit Reporting Act where it said by law. I had the right to challenge! anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.The open date on this account is wrong the amount of high balance is wrong their is a number of things thats wrong on this account Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove then if anything is missing or not correct on them. 
I demand the following accounts be verified or removed immediately. 


Name of Account Account Number XXXX XXXX Account # XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file an well. Please send the investigation outcome to my address i put on the form. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per tracking, tts been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Accounts receivable reporting higher balance than the credit limit shown. Also, how are they going to report a medical account, they have no medical release to collect on this account and needs removed upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit monitoring alert came that XXXX reported a hard inquiry using my personal info such as social security number, my address, my name, date of birth, and address by online credit application at BANK of AMERICA on XX/XX/2022. I immediately called Bank of America, reported it was FRAUD, spoke with XXXX in Security at Bank of America. I then called XXXX to report and remove hard inquiry from my credit report. I froze all 3 major credit reporting bureaus, and informed my local police dept in XXXX, FL XXXX XXXX. I'm waiting for written copy of police report to place extended credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refer to the above Equifax credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health CarXXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. See Attachment 02. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XXXX and XXXX.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXXXXXX XXXX XXXXXXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than XXXXXXXX XXXX. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate. 
Affected by XXXX or XXXX XXXX ( XXXX. 
XXXX )