23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

ON XXXX AN UNKNOWN AND UNMARKED XXXX XXXX BACKED INTO MY DRIVEWAY AT HOME. I WAS ALERTED BY MY XXXX XXXX I WENT OUTSIDE IMMEDIATELY TO INVESTIGATE AND NOTICE A LARGE MAN TRYING TO TAKE MY VEHICLE. OVER THE LAST SEVERAL YEARS OUR NEIGHBORHOOD HAS HAD SEVERAL OCCURRENCES OF BREAK INS, CAR THEFT AND EVEN AN OLDER XXXX CITIZEN WAS XXXX XXXX IN THE LATE HOURS OF THE NIGHT. SO TO PROTECT MY HOME AND MY FAMILY I INSTALLED SEVERAL CAMERAS AND PURCHASED OTHER SECURITY ITEMS TO ENSURE OUR SAFETY. WHEN I ASKED FOR A CARD AND FOR THE GENTLEMAN TO IDENTIFY HIMSELF. THE GENTLEMEN BECAME PHYSICAL AS I TRIED TO BLOCK DRIVER FROM TOUCHING MY VEHICLE AND HE XXXX UP AGAINST MY CAR SEVERAL TIMES TO CONTINUE TO HOOK MY VEHICLE INJURING MY XXXX. AS THE ENCOUNTER CONTINUED, I CALLED XXXX DURING THE ENCOUNTER. BUT NO ONE ARRIVED UNTIL XXXX HOUR LATER. WHEN THE POLICE FINALLY ARRIVED, THEY TREATED ME LIKE I WAS A CRIMINAL AND PLACE MY HANDS BEHIND MY BACK AND SEARCHED ME FOR WEAPONS ON MY FRONT PORCH EMBARRASSING ME IN FRONT OF MY FAMILY AND NEIGHBORS LOOKING ON. THE [ POLICE ALLOWED THE XXXX  TO TAKE MY VEHICLE THAT SAME MORNING I HAD TO GO TO THE EMERGENCY ROOM DUE TO THE XXXX IN MY XXXX  FROM BEING XXXX AGAINST THE CAR AND HAS TO TAKE OFF WORK SEVERAL DAYS FOLLOWING EARNING NO PAY... WHEN I CALLED THE XXXX XXXX TO RETRIEVE MY PERSONAL ITEMS AND SET AN APPOINTMENT THE TOW YARD CALLED THE NEXT DAY STATING THAT I COULDN'T COME UP TO THE YARD AND STILL HAVE YET TO RELEASE MY PERSONAL ITEMS INCLUDING LICENSE PLATE THAT THEY HOLD STILL TODAY.
Product: Money transfer, virtual currency, or money service

Date : XXXX Someone, by the name of XXXX XXXX, hacked into my Regions on line bank account and using XXXX did 9 transferred out of my checking account totaling {$5000.00}. 

I discovered these transfers and immediately contacted Regions bank fraud department. 
Over the course of the last 3 weeks Regions told me my money would be refunded within 7-10 days. When that did not happen they told me the had to go to XXXX & it would be another 7-10 days.

On 2-9 I spoke with a Regions representative XXXX XXXX XXXX XXXX XXXX who told me that Regions believes I stole my own money because the IP address was the same as mine. I have checked w/ multiple folks that understand computers. They told me that IP addresses can be spoofed. 

I have never used XXXX in my life. I don't know who XXXX XXXX is and no one will help me at Regions. 

I am XXXX years old and that {$5000.00} is important to me.
Product: Credit reporting or other personal consumer reports

AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMNET NEEDED AND A LETTER FROM AN ADVOCACY GROUP HELPING ME DO TO HUMAN TRAFFICKING DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL FRUL 100.142 ) B ) ( 4 ) -5 -- BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUISNESS DATS, PURSUANT TO SECTION 605C OF THE FAIR CREDITREPORTING ACT. I AM A VICTIM OF HUMAN TRACFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE CLOCKED AND DELETED COMPANY INFORMATIONTRANSUNION. PLEASD DELETE THE FOLLOWING ACCOUNTS. XXXX XXXX SYSTEM BALANCE {$17000.00}
Product: Bank account or service

I had wrote a check, as part of an agreement with my mortgage company, that was post dated for XX/XX/XXXX. XXXX cashed the check a day early, XX/XX/XXXX, causing my account to become negative. The next day i was paid, the check was declined, and the funds were returned to my account. I was advised to place a stop payment on check XXXX, by the bank, and wells fargo. The reason for this is that XXXX would continue to withdraw my check. the bank charged me XXXX dollars to place a stop payment, aswell as XXXX dollars for an overdraft fee. The bank confirmed that the check would be declined if XXXX would attempt to remove it again. At this point i have a positive balance, and have made alternate arrangments with XXXX for payment. I begin to use the funds that are availible again, and on XX/XX/XXXX, am denied a purchase at a local gas station. A call to Citizens bank indicates they had allowed the check to hit my account again causing my account to become negative.
Product: Credit card or prepaid card

XXXX : XX/XX/20 I received a " Brinks '' prepaid bank acct card ( with an already set up account with acct # and routing # ) a couple of days ago. This concerns me because this was unsolicited and when I called the customer service number ( NOT THE ACTIVATION # ) You can not get to a real, live operator. The systems loops you through choices of stealthily activating that card!!!! If you type in the actually number of the card, in order to move through the system and talk with someone ( it tells you that your acct is not yet activated ) AND THEN, it's asks you to put in your SS # for identification. I hung up and called the customer service line, where the experience of that was as I have described above. they stealthily are tricking you with options that activate that acct!!! This is bothersome to me - that I have received a " credit/debit '' card with an already established routing number and account number that I have neither activated or requested!!!!!!! Unfortunately I have shredded the paperwork - but kept the card. But am feeling like someone is trying to steal my identity, as this card doesn't have my exact name on it either!!!!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for their failure to respond to a dispute letter that I mailed on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. Specifically, I disputed entries for XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX, and a listing from the U.S. Bankruptcy Court under number XXXX. Additionally, I disputed incorrect names listed on my credit report. 

In my dispute letter, I included a copy of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

Unfortunately, I received a response from TransUnion dated XX/XX/2023, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights.
Product: Credit card

Alerted Bank of America on XX/XX/XXXX about charges made without my permission. Filed police report for fraud on XX/XX/XXXX. Was notified that this person had charged my credit card for work they said he had done. I explained that this was not an authorized charge and no work had been done. Previously I had paid a bill to him with my credit card more than a year ago. He retained my credit number and fraudulently paid himself {$5000.00}. After review Bank of America denied my claim and said to continue I had to provide the following : On XX/XX/XXXX Bank of American then requested I provide all documents of work completed on my property to show this contractor did not do any further work. Plus, how does any of this determine whether I authorized a transaction? In fact, the reason I discontinued using this contractor was because of his questionable work practices, which is right in line with this fraud which i reported immediately. Bank of America further told me ( on XX/XX/XXXX ) that anytime i pay a merchant with a credit card ; I have now authorized them to charge anytime they want and it is not fraud ( yes they said that ; please pull phone records from XXXX employee number Id XXXX on XX/XX/XXXX at approximately XXXX. eastern time. ) Police report number is XXXX filed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX Maryland XXXX XXXX : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Equifax Credit Bureau Address : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name : XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 with out 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 or other personal consumer reports

A company called XXXX XXXX reported a delinquent account to my credit report. I have never done business with them. Per my XXXX search it shows its some type of tradeline and I believe my information was fraudulently used. So I disputed it with Experian, XXXX and XXXX. XXXX stated the company verified the account belongs to me. I have never applied for service or received any type of goods or services from this company. I have never provided them any of my person information. I have had a fraud alert on my credit for a while and this company never reached out to me to verify any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute on three accounts in collection with Equifax in XX/XX/2020. I have not received a status update its noted pending. Most recently, I submitted another dispute to the companies for incorrect reporting, since I do not owe the amounts reported. Both XXXX   and XXXX  has removed these three collections off my credit report after I submitted the dispute XX/XX/2020. After speaking with a rep at Equifax they refuse to take immediate action by removing these accounts from my credit report but rather stated I should submit another dispute which I have done last week. However since I havent received a status update within the timeframe of my dispute ( 30 days ) these collections should be removed immediately from my credit report and Equifax refuse to do so which is impeding my credit score.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, and XX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding the reporting of an alleged XXXX XXXX XXXX account ( Account # XXXX ) on my credit report. I disputed that the account was not reporting 100 % accurately and completely, particularly with regard to the payment history. Despite my disputes, all three credit bureaus have verified the accuracy of the reporting. However, they are not reporting the exact same information. The inconsistencies in the data indicate that the information being furnished by XXXX XXXX XXXX  is not being consistently or accurately maintained across all three credit bureaus. This raises concerns about XXXX XXXX XXXX  compliance with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, which requires furnishers to report complete and accurate information and to correct any errors when a dispute is raised. Furthermore, FCRA Section 1681e mandates that credit reporting agencies ( CRAs ) must have reasonable procedures in place to ensure the accuracy and integrity of the data they collect, maintain, and provide to third parties. The law requires CRAs to implement effective review systems and safeguards to prevent the dissemination of inaccurate information in credit reports. If the information being reported by the CRAs is inconsistent, this raises several critical concerns : Was a reasonable investigation actually conducted? What account-level documents were reviewed beyond the Automated Consumer Dispute Verification ( ACDV ) form? Did the credit bureaus directly contact and speak with a representative from XXXX XXXX XXXX? Were ALL payment history details, charges, and credits reviewed thoroughly? Without a thorough review of account-level documentation, it is impossible to conduct a meaningful and reasonable investigation. The failure to ensure that all three credit bureaus report the same, accurate information suggests that both XXXX XXXX XXXX  and the CRAs have failed to meet their statutory obligations under the FCRA. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to determine whether XXXX XXXX XXXX  and the credit bureaus have conducted a proper reinvestigation in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA 605B, I requested a block of information on my XXXX, TransUnion, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XXXX XXXX ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX 6, XXXX via XXXX XXXX XXXX with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, Citicard account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure what happened to cause XXXX XXXX XXXX Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies XXXX, XXXX, and Transunion the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with XXXX XXXX XXXX Bank XXXX XXXX XXXX. I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.
Product: Mortgage

XXXX XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX ca XXXX phone number XXXX ssi XXXX I owe XXXX Im paying XXXX each month need some more time. 
Freedom Mortgage Account XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered XXXX  accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Product: Credit reporting or other personal consumer reports

I had identity theft and have 2 fraud accounts one with XXXX and another is a business account with XXXX. I have filed police and FTC reports, the other credit agencies have removed the fraud account, but for Experian they refuse to remove the fraud or provide reason of why they refuse to remove fraud and attempt to hold me liable for fraud when evidence has been provided. They even refuse me online access Why they did not remove the fraud identity theft account, the same as XXXX and XXXX have XXXX XXXX {$1600.00} XXXX  XXXX  {$52000.00} Experian has not addressed the matter. They have fraudulent accounts on my credit report and refuse me access and refuse to remove them. While I have provided XXXX and XXXX letters showing they are to be removed XXXX XX/XX/year> a supervisor refused me access after I informed him there is fraud. He told me that he sees the fraud and will not grant access due to internal issues. Experian has hurt my credit for over a year now. 

UPDATE IT HAS BEEN OVER 30 DAYS AND EXPERIAN STILL REFUSES ME ACCESS TO MY CREDIT PROFILE AND STILL SHOWS FRAUDULENT ACCOUNT WHICH IS NOW HURTING ME FINANCIALLY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was made aware that my XXXX sister and I credit file may have been merged with one another, as one her accounts was reporting on my XXXX  report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.
Product: Checking or savings account

My problem is linking my XXXX account to PNC. Also, your overdraft system is ridiculous. On my account I have No over-drafting set-up so that should mean you dont get overdraft charges especially if theyre not from writing a check. Every time that card is swipe you know it so how can you have an overdraft charge and if its from a fee that came through then you should not be charged because you have No overdrafts, Direct deposit, and always putting money in the account. 
This is why I am starting to transfer my banking away from PNC. It is a pain in the XXXX with everything you do at PNC. This is the year 2020 its about time you get with the program because XXXX and others like them are going to eliminate you and other banks like you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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

XXXX is reporting a 90 day late payment in XX/XX/XXXX. My student loans were and have been in income based payments during the time with a payment of {$0.00}. To make matters worse, although XXXX accepts payment as one loan, it is reported as 5 different loans, therefore all 5 show late payments. I have requested that they remove the reporting of the late payment ( since I can not possibly be late on a {$0.00} payment ) to no avail. 

I have also disputed the information with the credit reporting agencies without success. 

Interestingly, XXXX has mailed information to an address that I lived at from XXXX  XXXX-XXXX  XXXX  in Michigan. I did not give them the address and I did not even attend college until XXXX. I have not lived in Michigan since XX/XX/XXXX, nor provided that address to any company or individual since that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX, and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Please delete these accounts ASAP. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud accounts appearing on credit report. 

XXXX XXXX