23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$4000.00} XXXX XXXXXXXX Balance {$32000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$39000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting that I have a XXXX late payments when I have not been late on any credit card payements its been over XXXX days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had XXXX days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible
Product: Debt collection

I did not consent, nor authorize the reporting of this account on my credit report. This is a violation of 15 USC 1681b - Permissable purposes because it it false, and it violates my rights to privacy and fair and accurate reporting. I have also filed an ID Theft report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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

I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Phone : XXXX Email : XXXX Accounts Affected by the XXXX Credit Card Opened by the Thief Company or Organization : DISCOVER BANK Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$700.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal or business loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal or business loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a checking or savings account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a mobile phone account opened at XXXX XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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

I am writing to file a complaint regarding the inaccurate reporting of an account by TransUnion. Specifically, the account in question is listed as belonging to the Texas Attorney General Office with an account number of XXXX and a balance of {$21000.00}, reported as open on XX/XX/year>. 

I did not provide consent for this account to be reported or authorize anyone to use my credit information for this purpose. Under 15 U.S.C. 1681b ( b ), consumer reporting agencies are prohibited from furnishing credit information without explicit consent unless there is a legitimate, permissible purpose. In this case, the inclusion of this child support-related account appears to violate these provisions, as I did not grant consent for my information to be shared or used in this context. 

Additionally, the Texas Attorney Generals office has failed to provide adequate proof or verification to substantiate the account 's validity. No thorough investigation or confirmation was conducted to determine whether I am legally responsible for the balance being reported. As a result, the account 's appearance on my credit report is both unverified and unauthorized, failing to meet the accuracy and verification requirements set forth under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

This late payment is out of character for me, considering my history of making payments on time. Please remove it and update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these account listed immediately! you are housing false information on my credit report. If the accounts arent removed I will be following suit with XXXX demands.
Product: Checking or savings account

I banked with Wells Fargo for years until I could no longer handle the overdraft fees when my account shouldnt have been overdrawn, freezing my account many times to where I could not access my money. After paying fees that I know were wrongfully put on my account over and over and they would do nothing about it I finally closed my account. I then received something in the mail stating I owed the bank money for overdraft fees when my account had been closed for over 6 months. I paid the fees because the letter stated it had attorneys involved. At this time I was younger and should have known I was being scammed. Wells Fargo is a fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to Reinvestigate & Delete Accounts FulXXXX name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1991 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. 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 Congress and 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 4 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 The 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 helps who are victims of identity-theft. I request that an extend 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. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$420.00} XXXX {$500.00} XXXX  XXXX  {$310.00} XXXX  XXXX {$530.00} XXXX XXXX {$150.00} XXXX XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

My Identity was stolen illegally I have disputed this with the following company 's and credit bureaus and demand deletion!
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? I filed a dispute with Experian on XX/XX/XXXX for Account Name : XXXX XXXX XXXX. Account no. : XXXX File Identification Number : XXXX Provided by Experian Consumer Relations My request to the credit bureau was to remove the account as it has inaccurate information which I know to be incorrect as I was not even in the US at the time of " Date opened - XX/XX/XXXX '' '' that shows on the account. 2 days later the response was " Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED ''. After doing my research I found inaccuracies on the report still, even after they did their due diligence. Here is the full account detail : Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX {$980.00} - - -XXXX XXXX XXXX  Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX Date Opened XX/XX/XXXX - Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Balance {$980.00} Date Updated XX/XX/XXXX High Balance {$980.00} Original Creditor XXXX XXXX ( XXXX ) Past Due {$980.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks ACCT INFO DISPUTED BY CONSUMR What I want to achieve : I would like The CFPB 's help in removing this account from my report as it is inaccurate as quickly as possible. My mortgage rate is costing me XXXX XXXX  extra because of this inaccurate information. In accordance with the Fair credit reporting act convergent the above account has violated my rights. 15 U.S.C 1681 section 602A : 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. Thank You Warm Regards XXXX XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$980.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$980.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never owned a XXXX XXXX credit card or bank account. i have applied numerous times including recently and have gotten denied each time. the problem is that a XXXX  XXXX credit card account is being reported by XXXX  XXXXXXXX XXXX XXXX XXXX and transunion. i have disputed numerous times and they keep sending electronic responses stating that it is verified accurate information. even though i have requested an original application, signature or proof that the account is mine as described in the FCRA. as of now i have not been furnished with this request. i have been disputing this for years and am being denied credit because this account shows as a delinquency and charged off.they only stated it was verified which was not my request. i have called XXXX XXXX numerous times to dispute they refuse stating its a verified debt.i requested my information and original application they stated the account was too old
Product: Checking or savings account

I am a Bank of America customer I went to the Bank of America ATM drive-through to deposit cash through the ATM as I was depositing my rent. The ATM froze. I called the number on the ATM to let them now they froze and I already put in {$980.00} it was not credited to my account. No one could help me inside of the bank, I had to call the number back. They said they would start a claim its too its three days later my money has not been credited to my account. No one is doing anything outside of giving me a claim number and telling me that its going to be an ongoing investigation. I deposit the same amount of money into my account every month to pay my rent, now I am facing an invention where I will have to leave my home by Monday the bank is not doing anything for me. I am being robbed by Bank of America and me and my XXXX children are going to be homeless. No one is doing anything. Its {$980.00}. They shut the machine down. I just went by there yesterday its back up and running and I still havent been credited my money.
Product: Vehicle loan or lease

I was a Wells Fargo auto loan customer whom had car repossesed. Fees were excessive and it had no real reason to do so. I am entitled to relief.
Product: Debt collection

Money Recovery Nationwide is reporting to XXXX credit bureaus XXXX erroneous accounts that have not been verified
Product: Credit reporting

Equifax - I can not access my credit report or file a dispute on line. Every time I answer their verification questions I am told my answers do n't match their information. However, I am able to pass the verification questions for the other XXXX credit reporting companies. This has been an ongoing issue for at least a year.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Hard Credit pull from these companies on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX SYNCHRONY XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

SPOKE TO XXXX  FROM XXXX XXXX CARDS SEVICES THEY CHARGE ME FOR ITME I DID NOT GET HIPPA AND CRA VIOLATION OF MY PROCTECTION RIGHTS
Product: Debt collection

I found about this debt after pulling my credit report. XXXX after I was denied by a housing complex, I wasnt aware of this debt, I was affected bye the pandemic and I lost my job car etc, moved from there XX/XX/XXXX. With a forwarding address I never received a letter from the debt collector, {$2500.00} This account was opened XXXX XXXX pandemic I reach out to get more information about this debt. For a rep to say to me we have already sent you out a letter after this letter just accept the offer. What offer? So I provided them with an address, contact number. To call back after getting the letter to asking questions on how this letter look and there are the break down of this debt, to get disrespected, humiliated and belittled because I wasnt able to pay a debt, but I had no documentations approve of ownership except something that looks like a coupon now I see what she meant when she said just take the offer. because of my hard time, XXXX facing the same situation with XXXXXXXX XXXX and the XXXX Credit bureaus. Because of these debt XXXX and me reaching out to them to help me, instead I get mislead XXXX XXXX  etc. I have exhausted on my phones trying to fight these credit bills had to help my credit and all I just did was made my credit worse because XXXX update the date and the status but dont correct the inaccuracies and this is not fair XXXX cant get a place to put over my family head, I see XXXX kind of XXXX XXXX  Twice a XXXX  this has affected my XXXX XXXX XXXX and spiritually I feel like XXXX trapped in a cage of that that I cant escape and XXXX trying to, but I feel like the consumer law is not protecting me. XXXX not denying or admitting to the debt was trying to be a better understanding and due to this. This has became a Trigger. But I have to fight because i have my kids to try to provide for thats why XXXX fighting to get a fair chance on having my account view. This is going to continue to have me living in unsafe environments, trapped in a mental XXXX, keep me from trying to repair my credit while repairing my life, People look down on you because you have items on your report you wasnt aware isnt fair. The debt collector has taken controls over my life, I spend my weeks speaking to my XXXX and trying to find ways to repair his credit. XXXX exhausted tired
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX XXXXXXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXS Account # XXXX ; XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX, has XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

A dispute letter to remove an item on the Lexis Nexis report, generated in my name, was sent to Lexis Nexis via certified mail on XX/XX/2021. On XX/XX/2021 I sent an email notifying them of the mailing and attaching the letter mailed. According to the certified mail return receipt Lexis Nexis received and signed for the letter on XX/XX/2021. To date I have not received an update or response regarding my dispute despite it being 32 days since I sent the email and 30 days since they received mailing.