23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 was XXXX XXXX XXXX XXXX XXXX XXXX  Ever since then, different student loans, credit cards, and car loans have been showing up on my credit. I have never attended any school nor applied for any loans, nor has my son. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Product: Credit card

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX  XXXX  {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX  {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, last 4 of social is XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX, DOB is XX/XX/XXXX and I authorize the Consumer Financial Bureau to submit this complaint and act on my behalf against Equifax Information Services, LLC. On or about XX/XX/XXXX, I requested Equifax verify or delete the following accounts : XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX   Account Number XXXX I attached my proof of address, social security number, and drivers license as required Equifax sent a reply letter back stating that I did not provide sufficient identification, that letter is attached to this complaint. 

I sent another letter challenging that I did provide sufficient identification, and again provided identification. Equifax then said they were unable to locate a credit file for me. I then attached my equifax credit report to that response, and the identification required. Equifax then sent another response, more than 60 days later, stating that I did not provide sufficient Identification. I responded, attached my credit report again, and the identification, all of which is attached to this complaint. I intend to file suit in federal court if the items in this complaint are not immediately deleted for failure to verify under the Fair Credit Reporting Act upon receipt of this complaint, in damages in excess of {$75000.00}.
Product: Money transfer, virtual currency, or money service

identify you and your account. 
i am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! 


I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

ALLY FINANCIAL XX/XX/year> CAPITAL XXXX DEALER XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

Date county taxes are due XX/XX/20 Delinquent date XX/XX/20. My Morgage company always waits until delinquent date to pay mortgage. They need to pay it a few weeks prior so I that a delinquency fee doesnt show up on the county website! The fee is reversed however they shouldnt be paying it last minute so that a fee is even shown on county website. I have talked to them prior about issues however they dont seem to care that they wait last minute until a delinquent fee is shown.
Product: Debt collection

I am writing to address the presence of fraudulent accounts on my credit report, specifically linked to XXXX XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX ( Account Number : XXXX ). I believe these accounts are the result of identity theft.
Product: Debt collection

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back XXXX in the process of purchasing a home for me and my family
Product: Mortgage

Bank of American is actively reporting foreclosure accounts on my credit report that are more than XXXX year old since last activity ... .When attempting to request them to remove these old account from credit report all requests were ignored and XXXX of the letters stated that " they could n't find the account in their system '' ... which is a FCRA violation on multiple levels. They should NOT be reporting an account they do n't have or ca n't find, and should not be reporting any accounts past 7 year statute of limitations.. please help
Product: Mortgage

I purchased my home on XXXX with Prosperity Mortgage. My payments were listed on the following dates : XX/XX/XXXX {$1000.00} XX/XX/XXXX XXXX My mortgage was then transferred to XXXXXXXX  on XXXX however the XXXX payment for XXXX was not posted nor the information shared with the new company. 

I have been receiving messages that my payment is late and this has impacted my credit score by 35+ points. My 1st payment with XXXX was authorized on XX/XX/XXXX and cleared my account on XXXX. 

When I contacted Prosperity I was placed on hold for more than 10 minutes. The second time I called I spoke with XXXX XXXX # XXXX Employee ID who informed me that no managers were available to respond because it was a Monday. The business hours indicate Monday to Friday on the website so I'm not clear as to why that was the response I received. 

I made XXXX aware of this situation and it now with their cashiering department but in the meantime my credit which I worked diligently to improve has been impacted and this has caused emotional distress. 

The response from Prosperity was unacceptable and did not meet the basic requirements for professional customer service. If this is an oversight on my part I intend to address the issue the expeditiously however is this error is on the part of Prosperity I would like their office to be accountable and investigated to determine if this is a pattern that can negatively impact the credit and lives of their customers unknowingly.
Product: Debt collection

This company unlawfully provided my account numbers to third party entities - I want this off of my credit report.
Product: Credit card or prepaid card

I would like to dispute a charge credit card that I dont have
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding certain inquiries on my credit report that do not appear to be accurate. As a victim of identity theft, I have taken necessary steps to rectify the situation and protect my financial well-being. However, it has come to my attention that several companies have made inquiries that I believe to be excessive and potentially erroneous. 

I kindly request that you investigate the following companies in relation to the mentioned inquiries on my credit report : 1. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX : - Dates : XX/XX/XXXX, and XX/XX/XXXX 3. XXXX XXXX XXXX : - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 4. XXXX XXXX  : - Date : XX/XX/XXXX Considering the circumstances surrounding my identity theft case, I find these inquiries to be excessive and potentially indicative of fraudulent activity. I request a thorough investigation into these inquiries to determine their legitimacy and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I would like to emphasize the importance of ensuring a watermark-set signature for validation of my authorization to check my credit. This signature serves as evidence of my complaint and supports my request for inquiry removal. It is essential to protect consumers from unwarranted inquiries and safeguard their creditworthiness. 

I intend to contact the XXXX XXXX XXXX ( XXXX ) and the Attorney General 's office to seek compliance and support regarding FCRA guidelines if necessary. I appreciate your assistance in resolving this matter promptly and ensuring the accuracy and integrity of my credit report. 

Thank you for your attention to this inquiry removal request. I have enclosed a copy of my identification and any supporting documents that may assist in the investigation. Please do not hesitate to contact me if you require any additional information or if there are any updates regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Wages were garnished and paid. However there is a {$9.00} balance on my Credit Report
Product: Checking or savings account

E*Trade Bank does not record deposits of Federal Pension checks in a timely fashion as required by Federal Law. This happened today XXXX and now 3 electronic payments have failed due to insufficient funds along with the draft for my life insurance. The amount of the deposit which is {$5000.00} may show up later today and may not -- law requires them to post deposit no later than XXXX am the first work day of the month. This is not the first time this has happened and they do not care as they are a subsidiary of XXXX the most penalized bank in the history of the world. Please require them to post Federal retirees checks in a timely fashion
Product: Debt collection

Reviewed credit report and noticed I had a collection from Jefferson Capital. contacted them to see what it was for and they said it was for XXXX and I told them I didn't have XXXX so therefore I was not going to pay for something I have not used. They kept on insisting that I should pay them and also tried to drop down the amount but again I'm not going to pay what I don't owe. They can't give me documentation and also when I dispute it nothing happens. I don't think it's fair that I have to be going through this until the year 2023. Can you please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, XXXX ALL THREE CREDIT REPORTS SHOW 17 CREDIT INQUIRIES THAT I AM SUBMITTING A DISPUTE.

I did not authorize my credit to be pulled due to the recent two national data breach ( s ). I am very concerned about these inquiries being placed on my credit report ( s ).

I am requesting all 17 be removed within the 24 hours by law. I have already placed online fraud alerts with all three reporting credit bureaus. 


Sincerely, 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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Ditech on XX/XX/XXXX to verify that payment for XX/XX/XXXX and XX/XX/XXXX due to the fact that Ditech had reported negatively on my credit. After checking with XXXX XXXX and confirming payments for my mortgage had been sent to Ditech for XX/XX/XXXXand XX/XX/XXXX, I realized they were getting the payments and not recording them. Then they reported on me negatively to the credit bureau. I have since learned this is not the first time Ditech has done this and in at least one case it resulted in a house being put for sale even though XXXX had been making payments. Please help me to resolve this problem with Ditech. 

XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , S.C. 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number : XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX  account number XXXX XXXXXXXX XXXX ( original creditor XXXX XXXX ) XXXX XXXX  XXXX original creditor XXXX XXXX  ) account number XXXX XXXX XXXX ( original creditor XXXXXXXX XXXX XXXX in company ) account number XXXX XXXX XXXX  ( original creditor XXXX XXXX auto in company account number XXXX XXXX XXXX account number XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) account number XXXX Account number XXXX 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.
Product: Credit reporting

XXXX XXXX, 2016 To whom it may concern : I submitted a complaint to all three credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 
I have attached my follow up letter to TransUnion for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit card

ON OR AROUND XXXX OF 2023 MY TD BANK CREDIT REPORTED THAT MY ACCOUNT WAS XXXX DAYS PAST DUE. THE REPERSENTATIVE THAT TOOK MY PAYMENT INTIATED A PAYMENT THAT WAS NOT WHAT I INSTRUCTED HER TO DO. MY MONTHLY PAYMENT WAS {$35.00} AND THE LADY PUT IT IN THE SYSTEM {$33.00} AND THIS CAUSED MY ACCOUNT TO BE IN A XXXX DAY PAST DUE STATUS WHICH AFFECTED MY CREDIT REPORT AND NOW I CAN'T GET A HOUSE OR JOB
Product: Credit card or prepaid card

My card information was stolen in XX/XX/2018, and someone made purchases by using it. I discovered it a few days later and reported it to Citi Card. I received a new card and thought everything was fine. However, I found the unauthorized charges were not fully refunded. I contact them again, they told me their investigation team discovered the case. But it has not been solved yet. They closed the case before the date they noticed to contact them, and reopened by my complaint. And their Debt Department kept calling me due to the unauthorized charges because I didn't pay it. Now I've been waiting it will be solved soon while making minimum payment. I'm really sick and tired to contact them for this case.
Product: Credit reporting or other personal consumer reports

This account was opened on the following deta : XX/XX/XXXX there are no on time payment from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payment XX/XX/XXXX to XX/XX/XXXX this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a target credit card on my credit. It was included in the bankruptcy from 2015. About XXXX months ago the company switched it from bankruptcy and made it look like its an active collection with XXXX lates!! I have NEVER been late. I have all of my bills on auto pay. I would like to have a corrected or removed. I have asked him XXXX times now and have not gotten any help. I am trying to buy a home and this is the only account hurting that. Its very frustrating! Especially when Ive asked numerous times to have it corrected. Its like we have no voice against these companies reporting what they want. Flagstar is also reporting incorrectly and XXXX  XXXX lates are incorrect. None of this was reporting like this until a few months ago. Its like someone went in and changed my credit purposely. All of my accounts went out of whack
Product: Checking or savings account

On XX/XX/2019, I ( XXXX XXXX ) received a call from caller ID Vermont, phone number XXXX, saying he was calling from the social security office. He said he knew my social security number ( and he did ), and said that others had used my social and I was in trouble becuase of what they had done. I then received a call with Caller ID XXXX Precinct. He told me i had better cooperate with the social security caller or i would be arrested. 
I was instructed to wire all my money from my bank, Chase Bank, to XXXX XXXX XXXX, and I was given an acct name and acct number and routing number. In a panic i went to Chase and wired the money, all {$18.00}.  that I had, all the money I have in the world. Chase saw my panic. Chase knows about phone frauds and scams. But Chase didn't say a word and even now Chase is not helping me to get my money back. 
XXXX XXXX XXXX phone : XXXX XXXX XXXX