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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 personal credit card account with XXXX XXXX on XX/XX/XXXX. A car loan with XXXX XXXX XXXX on XX/XX/XXXX. A credit card with XXXX XXXX Bank XXXX on XX/XX/XXXX. A credit card with XXXX XXXX on XX/XX/XXXX. A car loan with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX credit cards on XX/XX/XXXX and XX/XX/XXXX. A XXXX XXXX credit card on XX/XX/XXXX. A XXXX XXXX account on XX/XX/XXXX. A XXXX account on XX/XX/XXXX. An account with XXXX XXXX XXXX XX/XX/XXXX. A car loan with XXXX XXXX XXXX on XX/XX/XXXX. A XXXX XXXX XXXX account on XX/XX/XXXX. A collection account with XXXX XXXX XXXX on XX/XX/XXXX. Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. A collection account with XXXX XXXX XXXX on on XX/XX/XXXX. XXXX accounts with XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. A collection with XXXX XXXX XXXX on XX/XX/XXXX. A collection account with XXXX XXXX XXXX on XX/XX/XXXX. A credit card with XXXX XXXX Bank XXXX on XX/XX/XXXX. An account with XXXX XXXX on XX/XX/XXXX. A collection account with XXXX XXXX XXXX on XX/XX/XXXX. An account with XXXX Flags XXXX Georgia on XX/XX/XXXX. And a Bankruptcy on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my final attempt to get this matter resolve with Equifax. I am clearly being ignore as my concerns are not being address properly with these inaccurate items. All violations are being documented for possible legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Credit card

Charged XXXX for membership fees not authorized to this XXXX Bank Credit Card. XXXX Bank and XXXX XXXX both gave me the run around and pointed fingers at the other. Neither took responsibility for their illegal activity.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX formerly XXXX XXXX {$0.00} Paid off Status reporting 30-59 days late This information is incorrect. Was never late on this loan. Is stating that I was late in XXXX but car was 85 % paid off by then and payment was never late Please correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received an email from an imposter providing banking information for me to refund an unused retainer. It was identified as a business account with XXXXXXXX XXXX  It had the business name, account number and routing number. 

XX/XX/XXXX ( approx ) My bank ( Wells Fargo ) verified the account and I sent the ACH to the imposter XXXXXXXX XXXX account. 

The account obviously was not verified and due to the level of bank fraud- they should be taken more measures to insure payments are sent to verified businesses. 

XX/XX/XXXX ( approx )- I received a payment notification from a client that I should be receiving payment via ACH. I did not receive the payment and found out that the payment actually ALSO went the the imposter 's XXXX XXXX account. At this point, they were impersonating my company and used My company email address to send the imposter 's bank information to My client. 

XX/XX/XXXX - I confirmed that the ACH I initiated went to an imposter account and asked my bank, Wells Fargo, to return the funds. They said they can not help me because the account was verified by XXXX XXXX I do not know what to do at this point.
Product: Debt collection

I have reached out to Transunion and XXXX XX/XX/2019 to verify this debt and have yet to get a response as it has been passed 30 days but they have updated the balances on this account when this is a charge off and should not be reporting a balance. Theres also  several violations with the way this account is reporting as well for example both bureaus are reporting a different high balance, a different date of the opening of the account, reporting the account as not disputed, the payment statuses differ as well as the last payment dates. According to the FCRA all bureaus should be reporting the same information across the board. All of this information is inconsistent, and inaccurate.
Product: Credit reporting

RE : Credit Inquiries Equifax Credit Report There must be another person with the same name as me. There is inaccurate credit inquiries on my credit report. I am not aware of the credit inquiries circled on the credit report attached. 

Please provide me documentation bearing my signature, so that I can validate these credit inquires. 

I am requesting the documentation from credit companies, if they fail to provide me the documentation bearing my signature, then they must delete the account from all the reporting credit bureaus. 

Please address this matter within five business days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} Collection : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

First and foremost, the woman that is supposed to be managing this collection account with XXXX XXXX was very rude and ill twords me when all I wanted to do was settle this debt. This debt has been with me sence XXXX and after XXXX  years it should be removed unless it is a XXXX. They updated this account to make it look like this debt started in XXXX when in actuality its been on my credit report for XXXX years. This is why the information is inaccurate and should be removed. Other than that they can't prove I owe the debt because I never signed any contract with them. Contract law states there is no privity of contract between XXXX XXXX and the 3rd party XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Checking or savings account

On XX/XX/2019, I was wired a sum of {$3000.00} to be deposited into my personal checking account. The type of account that I have does not allow wire transfers to be made to it. Why? Im not sure, as that question failed to be answered over and over again. In any case, with the money not able to be deposited back into my account, I was instructed by the senders financial planner to request the receiving bank to send it back ( since it had possession of the money but no intention of disbursing it to me ). I attempted to execute that plan, but was instead met with our default policy is to eventually deny the wire, and that will be within 3-5 days. So, in essence, Chase bank ( the receiving bank ) has no intention of disbursing the funds that it had in its possession to the intended receiver of funds, but instead was making a decision to keep those funds and return them days later? After having received them with seconds of the wire transfer being initiated? It sounds to me like its stealing, if only for a few days, and its unconscionable that a mega bank like them is able to get away with this. {$3000.00} being sent to me was a lifeline, and I cant expect the sender to make arrangements to deposit another {$3000.00} into an account that Id be able to access the money, as that would be on top of the initial {$3000.00} and I wouldnt expect someone to be out {$6000.00} for a {$3000.00} payment. So Im out of a lifeline until Chase makes it right. Basically, Chase is receiving an interest free loan for a few days that they arent entitled to. If any person did that, there would be penalties, and it doesnt seem like there are for these monster corporations.
Product: Debt collection

I have a email from this companys property manager XXXX XXXX, from Edge at XXXX XXXX XXXXShe approved my refund amount {$170.00} and I received it, now they put it on my credit saying I owe them. I have contacted this company and they send me to someone voicemail or take my name down but this never gets resolved. They sent it to collections NATIONAL CREDIT SYSTEMS. This place resolves nothing just tells me to call the Apartments if I want any information or get this resolved.I have never had a call or received anything in mail from either company regards to owing this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since early XXXX I have been disputing inquiries from business agencies I do not recognize. I have contacted each business and they verified they had never received any online application or received personally any personal data from me at their local offices. I asked if it was possible to remove the unauthorized pull and they advised to reach out to credit bureau. I disputed through each credit bureau under section 607. Compliance procedures [ 15 U.S.C. 1681e ] and See also 16 CFR 698, App G-H 69 Fed . Reg. 69776 ( XX/XX/XXXX ) ( 2 ) Content of notice. The credit bureau only responded with the inquiries will remain for 24 months until deletion date. I have continuously sent dispute letters and they have not promptly responded within the law required time of 30 days. By law if they do not verify the information is accurate by evidence, then under the FCRA they must promptly delete inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions
Product: Credit card or prepaid card

I had a " XXXX  '' XXXX MasterCard through Synchrony Bank. I had been receiving emails for the past few months stating that since XXXX " XXXX  '' XXXX would be closing, Synchrony would be sending me a Synchrony MasterCard to replace my existing " XXXX '' XXXX MasterCard. The most recent of these was sent on XX/XX/XXXX. I then received a letter in the mail that was dated XX/XX/XXXX that stated they would be closing my account instead of sending the replacement card. I had been using the " XXXX '' XXXX MasterCard and it carried a balance until recently. They were willing to issue me a card while I was carrying a balance, so much so that when I logged onto the website they had already set up the Synchrony MasterCard   account ( XX/XX/XXXX ) with a whole new card number. However, once they received my money and after I had paid off my balance on the card in full, that they close my account ( XX/XX/XXXX). I had no history of late  payments on this card or any other derogatory remarks from the company.
Product: Credit card

I have received multiple unsolicited text messages regarding a Chime account that I did not request. These messages were received on XX/XX/XXXX while I was sleeping ( XXXX and XXXX XXXX  ). They then sent another message ( XX/XX/XXXX at XXXX XXXX  ) saying that my debit card was in the mail and would arrive in 7-10 business days, but that I could fund my virtual card in the Chime app.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering loss funds were impossible and that tracking these funds were unfeasible. The CFPBs findings indicate that Zell has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users of vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit reporting or other personal consumer reports

I do not recognize these address 's and would like them to be removed from my credit report. Thank you so very much for your help!! 

FTC Report Number : XXXX These 3 address 's need to be removed. Thank you! 
XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL XXXX CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH
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.

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 or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Please validate these accounts, disputed these and came back accurate with out providing proof.
Product: Debt collection

15 USC 1692c that the law states if consumer Notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL Communication
Product: Credit reporting or other personal consumer reports

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Money transfer, virtual currency, or money service

Venmo suspended my account without any explanation. I have been trying to get this resolved for three weeks and no one can tell me why it was suspended or how to fix the issue. When I called I was told it would take 7 business days to look into. I'm still waiting two weeks later. They are holding money in their account that I need access to.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. XXXX, XXXX, and Experian are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by 15 USC 6801, which mandates that financia

l institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer re
port with the written consent of the consume
r. I have not given XXXX, Experian, XXXX, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than seven years, except for records of convictions of crimes. The adverse account being reported by XXXX and Experian is without my permission and is against the law.

Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. XXXX, XXXX, and Experian are failing to maintain these procedures. 
Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of XXXX, XXXX, and Experian.
Product: Credit reporting or other personal consumer reports

I respectfully request that the CFPB take the following actions : Investigate Experian Consumer Services for willful non-compliance with the FCRA. 
Demand the immediate deletion of the fraudulent account XXXX XXXX XXXX  ( Account Number XXXX ) from my credit report. 
Ensure that Experian provides a notarized affidavit confirming that the information reported is accurate and that their investigation was conducted in compliance with the FCRA. 


Enclosed are copies of my dispute letter, the FTC report, Thank you for your attention to this issue. I look forward to your prompt response. 

DELETE FRUDULANT ACCOUNT : XXXX XXXX XXXX  ( Account Number XXXX