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

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries are listed on my report, contrary to 15 USC 1681c-2, and are damaging my credit. Please remove them.
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many. they have bypassed their allotted timeframe and requested identification which i supplied that it was me disputing
Product: Credit reporting or other personal consumer reports

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach has put me at heightened risk for identity thef.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 wanted a release of credit freeze for a day. Had to give equifax data that was not available me @ the XXXX store. XXXX data to Equifax XX/XX/XXXX and they told me the release of freeze would be in 1 hour and last for 24 hours.Returned to XXXX XX/XX/XXXX and credit freeze was not lifted. Equifax wanted me to go through the same mind boggling questions .ried to do that at XXXX but Equifax was not satisfied. Tried to escalate my problem but got nowhere. XXXX was able to get around problem and start my account. 

Equifax claimed there was a computer problem. They are extremely difficult to deal with. Either they should be required to have more competent employees or computers that work properly or both.
Product: Credit reporting or other personal consumer reports

Transunion NEVER performs a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... Transunion , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXXXXXX XXXX XXXX XXXX in The XXXX XXXXXXXX XXXX XXXX. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX XXXX {$0.00}. XXXX ) XXXX XXXX XXXX {$6700.00}. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised! 
In addition, Transunion sent me in the mail 2 pages of Hard Inquiries that they claimed to have Deleted for which they have NOT as All of the Hard Inquiries still exist on my report. That's Fraud in of itself! see below
Product: Bank account or service

1. I called Chase Claims to file a dispute on my debit account on XX/XX/XXXX. 
2. The Chase Supervisor said she would not except my dispute under The Fair Credit Reporting Act. 
3. I advise the Chase Supervisor at XXXX that I had XXXX charges I did not authorize that showed up on my debit Card.XXXX. 
4. a unauthorized Charge in the amount of {$100.00} dated XX/XX/XXXX and a unauthorized Charge of {$34.00}. 
5.The Supervisor from Chase refused to investigate or make a Claim for these XXXX charges on my account in violation of the Fair Credit Practice Act. 
6. When I advise the Supervisor she was not qualified and violated the FCP, and I would call back to talk to another Supervisor, she said I will mark your file so you can not make a claim. 
7. I called back and talked to XXXX another Supervisor on XX/XX/XXXX and he advised me that The Prior Supervisor marked my account not to take a claim.. 
8. Both of the Supervisors for Chase our unqualified to make decisions, because there actions caused a Legal liability for Chase Bank.. 
9. XXXX XXXX CEO should receive a copy of this complaint to let him know that a XXXX year old XXXX was discriminated against, and caused a liability a Tort claim against Chase.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.
Product: Credit reporting or other personal consumer reports

My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.
Product: Credit card

I firmly insist that you correct my account to accurately depict my payment history.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Money transfer, virtual currency, or money service

An International Wire transfer was submitted to Chase with the assistance of a Private Banking Representative to ensure process was followed correctly. 

The transaction was cancelled by Chase with no reason given. 

A 2nd attempt was made, again with the assistance of a rep who assured the transaction was approved. 

Again Cancelled - no reason given. No phone call to verify transfer was legit - nothing. 

This happened a total of 4 times with no satisfaction. We gave up. 

Chase is blocking us from accessing and using our funds. We can't get to our money.
Product: Student loan

I am repaying my federal student loans through Aidvantage. They didn't take my payment in XX/XX/2023 and didn't take it again in XX/XX/2023. I tried calling them, was put on hold and no one answered. I have my bank account number and routing number correctly added as the payment method. Aidvantage is not accepting my payments and is charging me late fees.
Product: Mortgage

UWM ( United Wholesale Mortgage ) is NOT doing there job. My insurance carrier notified UWM in XXXX 2015 of what my homeowners insurance amount would be, which is approximately {$630.00}. My escrow amount before the insurance payment was {$1000.00}. UWM sent them XXXX checks totally a little over {$1500.00}. UWM does NOT update their information but once a year, so now I have a negative in my escrow. This is TOTALLY unfair!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Debt collection

IC System {$100.00} I never took anything out with this company so they is a third party collection. It was taken off my credit and now its back on there.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted I was in fact a victim of this Data Breach and Equifax has done nothing. 
Please Help me delete these illegal accounts from my credit reports. 
I appreciate it. Thank You
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Product: Credit reporting or other personal consumer reports

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within XXXX  days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Product: Debt collection

My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Product: Mortgage

I have a hardship with my mortgage and my mortgage is with Citifinancial. They have dragged this process out for 10 months which is unacceptable. I reached out to a housing counseling agency in XXXX. My housing counselor has been working with me from XXXX to present. We are currently in mediation with this lender and just recent they denied for any home retention options. I have been wanting to reconcile my mortgage for months. I have good faith payment of XXXX to help get the mortgage back on track. We have even sent them a proposal but no response from lender. Just recent I got a call from the lender and the rep 's name was XXXX XXXX employ ID # XXXX XXXX OR XXXX. He told me they would accept an offer and to fax proposal to him. I called my housing counselor we faxed the proposal to XXXX and we have not heard from him in weeks and now we cant even locate him.
Product: Credit reporting or other personal consumer reports

" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a credit card and received a denial based in part to payment history. I noticed there were a number of recent late payments reported on my credit report from creditors that I have been in forbearance with due to a financial hardship caused by COVID-19. I provided proof that i was in forbearance and per the CARES ACT I should not have been reported as late while in an active forbearance. I asked Transunion to investigate and remove the late payment reporting error from my consumer credit report. 30 days later I received an update that all of the payments were verified by the creditors. I called back for the proof or documentation that differed from mine. The rep from Transunion simply told me it's verified.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have been identified on my credit report.
Product: Money transfer, virtual currency, or money service

I would like to formally file a complaint against XXXX. My company uses their platform to send our payments/salary from there in the US to here in the XXXX. This incident happened to me not once, but twice already! They have a payment timeline and they provide a turn around time to when will we receive our payment and they weren't able to fulfill it to me for 2 consecutive payouts already.

On the first payout where this incident happened, they said they had a technical issue so I waited until the afternoon while all of my colleagues already got their payments just a few hours after their technical issue gog fixed. Some of which have the same bank as me. Then I reached out to them again and they had me wait for the fund between XXXX to XXXX that day because they say that's when the funds usually get credited, so I waited. But there was still no transfer made. 

I reached out to them again and now they blamed my bank for having additional verification for the funds. I called my bank and asked if there's anything wrong with my account and that if they have additional verification, or if there's any floating funds on my account. My bank confirmed that my account doesn't have any restrictions so everything should be okay and also there were no floating funds on my account at that time. Note that I've received my past payments/salary on this bank before through Veem platform and I have not experienced it until that said payout and today. 

I let that event go even though we incurred an additional fees at the hospital at that time because they sent my money late and I wasn't able to checkout my Grandfather fight away after the doctors discharged him. I had to wait for my money and it was 3 days late at that time. 

Yesterday, we had our payout again. Prior to the payout, I changed my bank and made sure with this new bank that there's no restrictions in my account and that I should receive my payments smoothly because I got traumatized with what happened the last payout. 

So the payout started and the same thing happened again!!! All of my colleagues got their payments already and I'm the only one left in our company who still hasn't receive it. I reached out to them early so they can check my account snd have it fix but they still ask me to wait. 

I waited and now it's already past their given timeframe and I still didn't receive my payment/salary up to now! 

Please help!! I want this to stop from happening again! I don't want to receive my payment late again
Product: Checking or savings account

XXXX XXXX 2017 there was two trial deposits from SIMPLE to link my accounts together so I can do a transfer from my external account SIMPLE ( which is still handle by the same bank ) to pay the overdrawn amount of {$9.00}. My external account SIMPLE is partnered with BBVA Compass Bank ( which is the same bank I am having an issue with that handles my other BBVA Compass Bank checking account. ) The trial deposits were sent from SIMPLE and when they attempted to get the trial deposits back on XXXX XXXX 2017 that is when BBVA Compass Bank that holds my other checking account charged me a NSF fee. The whole purpose was to make a transfer to pay the overdrawn {$9.00}. The trial deposits amounts {$0.00} & {$0.00}, NSF Fee {$38.00}.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) 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. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( GENESIS CRDT ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( GENESIS CRDT ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent Equifax, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a so-called builder in Texas name XXXX XXXX who has been fraudulently opening accounts in my name for an entire year. He is not acting alone, he has employed the services of various car lots and bank reps. For example, he was able to purchase ( 2 ) $ XXXX worth of XXXX XXXX in Texas, under my personal and business credentials, without my knowledge or consent. For an entire year, I have at least disputed this fraud with Equifax at least 8 times, all of the fraudulent accounts that have posted to my credit file, along with several police reports and an FTC report.. Since XXXX XXXX, XXXX, I have again filed XXXX fraud disputes with Equifax. They ( Equifax XXXX never investigated my fraud claims. Equifax has yet to send me any evidence that a fraud claim was ever investigated. They keep updating my credit report with the same negative status. I am uploading documents to support my claim. This is my last effort of pleading with Equifax to remove and block the fraudulent accounts, and to properly restore my credit., prior to filing a lawsuit for damages against Equifax XXXX
Product: Debt collection

Clark County Collections Services pulled my credit, and placed a fraudulent account on my current report. I have no account with Clark County Collection Service, as I proceed to call them and they would not remove it. I notified them by emailing and calling to and pursuant to FDCPA and FCRA. I was never notified with a five day dunning letter notice from Clark County collections, nor are they license in North Carolina to do collections. Due to the situation I was unable to qualify for a loan at the bank.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In a letter dated XX/XX/2018, I requested Selene Finance , Inc. ( " Selene '' ),  my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX and XXXX ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, Selene 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, XXXX, and XXXX credit reports on XX/XX/2018, well after Selene 's deadline of XX/XX/2018. Again, Selene was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified Selene that it had not placed a notice of dispute on my XXXX, XXXX, and XXXX credit reports within 30 days. Thus, federal laws requires Selene to completely remove the items reported late from each of my credit reports. 

4. Selene still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.