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 XXXX XXXX XXXX. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
XXXX XXXX. XXXX Section XXXX A, states I have the right to privacy. 
XXXX XXXX. XXXX Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX. XXXX. ( a ) ( XXXX ) 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 and crimes which antedates the report by 7 years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 that the information is inaccurate. 

List of accounts/ account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of addresses XXXX XXXX XXXX XXXX XXXX # XXXX GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX XXXX XXXX XXXX # XXXX GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX Incorrrect spelling on XXXX XXXX XXXX XXXX Inquiries XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX statement on my report should be removed, the above accounts, inquires, and incorrect spelling of name also should all be REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear ChexSystems Consumer ID XXXX My bank has informed me that there is negative information reported by XXXX XXXX included in the file Chexsystems maintains under ( XXXX ). Upon ordering a copy of the report, I see an entry from this bank listing a NON-SUFFICIENT FUNDS of {$270.00} I do not recall having a debit card from this bank in XX/XX/XXXX. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this " debit card '' bearing my consumer wet-ink signature or E-signature stating my IP Address with Session, Time Stamp and Browser. In the absence of any such documentation stated above I ask that this information be immediately deleted from the file you maintain under my Social Security number. 

PLEASE REMOVE THE FOLLOWING INQUIRIES : You shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX i have no affiliation whatsoever with these addresses please delete immediately 1. XXXX XXXX XXXX XXXX XXXX, IA XXXX2. XXXX XXXX XXXX XXXX, IL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best Regard XXXX XXXX
Product: Debt collection

A personal cell phone XXXX has been calling at XXXX XXXX everyday, then sending threatening text messages about this debt. The phone is an iphone. They are saying they will come to my job etc
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit 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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/year>, my hazard insurance provider contacted me to issue a new policy. The hazard insurance provider, XXXX, has tried to get ahold of Mr. Copper with no luck to receive payment for the policy. The escrow analysis that I received in XX/XX/year>, has XXXX as the hazard provider and the policy number to make payment. In XX/XX/year>, I also started receiving force placed insurance notifications from Mr. Cooper. My homeowners insurance policy has now been cancelled at no fault of my own. This happened last year as well. I was transferred to Mr. Cooper and my hazard insurance was not paid timely causing a cancellation. I had to get another policy which was higher than the original policy. This is a direct violation of Reg.X, 2417 ( k ). My payments are not being made timely when the servicer has the requisite information to make these payments on my behalf. I'm requesting immediate attention to this matter.
Product: Credit card or prepaid card

A card was open in my name XX/XX/XXXX I didnt apply for no credit. Remove from my credit report
Product: Vehicle loan or lease

I received a loan in the amount of XXXX, term 4 years, my payments monthly are XXXX, at the end of my loan I will have paid XXXX. I would like this investigated please
Product: Credit card or prepaid card

KeyBank Mastercard promises fraud protection, but they're holding me responsible for a large unauthorized charge on my credit card account in the amount of {$690.00}. I reported my card as stolen on XX/XX/2018, the day after the transaction took place. I took the necessary steps to open a dispute and to obtain a replacement credit card. I also set up a fraud alert with the three major credit bureaus. I opted not to open a police report. 
The business that received payment is located in XXXX, XXXX. They have a website called XXXX where they sell digital, downloadable content related to music. I was unable to obtain an order ID number for this unauthorized purchase. 
On XX/XX/XXXX, they reversed the provisional credit on my account because I lost the dispute. I asked KeyBank to dispute the charge again, and then waited a month before calling for a status update - I wanted to know why I lost the disputes. Customer service transferred me back and forth between departments for a long while, and then finally explained that they were able to prove that I authorized that transaction, though they explained not how. The customer service agent then hung up on me. KeyBank never called back, and didn't send the promised documentation through the mail. All KeyBank did was provide me with a case reference number XXXX, which I was later told was useless. 
I feel KeyBank does not treat me fairly or as a valued customer. I've been using their credit card services for over nine years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. I made an agreement with XXXX XXXX for payment relief before i fell behind the XXXX XXXX Requires that the creditor to report your account as Current and good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit Inquiries listed on XXXX. 
XXXX refuses to remove the unauthorized Inquiries. 
Told me I have to contact them to remove them. 
I'm a victim of identity theft due to XXXX data hack My information was compromised Someone is using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to reporton my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but Inever received a response from them. These accounts must be validated in accordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will takelegal action against them. Please follow the law so that this matter can be resolved as soonas possible. XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX XXXX : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$620.00}.
Product: Mortgage

payoff amount requested it multiple times. 

instead these clowns keep sneding me pre foreclosure notices.
Product: Credit reporting or other personal consumer reports

Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
Product: Vehicle loan or lease

I financed a XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, I put XXXX down for the car. In XXXX of XXXX, I went to a XXXX dealership and was told I couldn't trade my vehicle in because it was a salvage title. When I first got the car from XXXX XXXX XXXX in XXXX XXXXXXXX XXXX, the dealer never told me that the car was a salvage title. I tried to trade the vehicle in over several times and everyone kept saying this was salvage and they would not buy me out my loan. So now I am finding out that this car can not be traded or refinanced due to this being a salvage title and reaching out to credit acceptance they just keep giving me the run-around and threatening to come and get the car. I don't know what to do and need help.
Product: Debt collection

I have asked this company for over a year to send me information regarding this debt. They only have sent an invoice with my name on it. I have stated several times this account is not mine. I have asked for an address, social security number anything that would help me figure out what's going on. They have never sent any information linking me to this account, my next step will be to sue this company.
Product: Credit reporting or other personal consumer reports

Remove all negative accounts that dont belong to me immediately. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system. Remove all negative accounts that dont belong to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 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 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted branches investigation departments as well as the Social security XXXX for protection and to report abuse, the abuse is currently still ongoing, in which has now affected my children.
Product: Checking or savings account

On the XX/XX/XXXX, I attempted to withdraw {$990.00} at a ATM machine and received a " Decline '' error message. I immediately attempted to use the second ATM machine beside the one that gave the " Declined '' message because I knew I had enough money in my account to cover the requested amount, but received a " Temporary out of order message from the second machine. No money came out of either ATM machines. However, when I checked my account balance, USAA deducted {$1000.00} on each ATM unsuccessful request ( XXXX twice ). I called USAA on the XX/XX/XXXX and informed USAA of their mistake. I told them no money was received and filed an ATM dispute. Since then, I have contacted USAA more than 20 times without resolution. 
On the XX/XX/XXXX, I received an email from USAA informing me that one of the transaction was reversed and that the amount of {$1000.00} was placed back into my account and that they regard the issue closed. My issue is that there was two deduction of {$1000.00} taken out of my account. The reverse amount does not reflect on my account balance. What USAA did was to give a credit of {$1000.00} pending the conclusion of my dispute. I need my money {$1000.00} x 2 back into my account. 
Solution : I need both amount of {$1000.00} put back into my account.
Product: Credit reporting or other personal consumer reports

I am very distressed that your agency continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports published. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

This account was allegedly charged off in XX/XX/2024. However Equifax is stating for the same month a OK payed status for the month of XXXX and XX/XX/2024. 
INACCURATE YOU MUST DELETE When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
INACCURATE YOU MUST DELETE Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

Your improper procedures are highly damaging to my credit score. 

This inaccurate account was sold to a third party company and not reflecting a XXXX ( XXXX ) balance which is a misrepresentation of the account status. 
INACCURATE YOU MUST DELETE Please review attached with third party information. 

Not only listing of aforementioned reasons this inaccurate account is reporting XXXX percent inaccurate and reporting inconsistent balances across bureaus which includes : 1. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening 6. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached documents of a side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents. 

I am demanding a permanent deletion of the following account : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

They report a # that is not mine, I have already sent letters with my identification and nothing, I can not continue spending time and money, I add my identification, my Itin XXXX. I do not have XXXX.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I purchased a home water purification system from XXXX XXXX. The XXXX of the system was done through AquaFinance. 
On XX/XX/XXXX of XXXX, they called wanting payment. I explained to them i did not have the money due to financial hardship. I called XXXX XXXX right after I got off the phone with AquaFinance to see about having the system removed and was informed that i was stuck with it and, even if i had it removed, I was still responsible for the entire debt. In the months following, they have continued to call me as many as 3 times a day at all hours of the day ( many times in the late evening ), from numbers all over the country. I have explained to them that my wife is no longer working and they proceeded to call my mother and sister when i stopped answering their calls.
Product: Debt collection

ADP took my wages when there was no judgment in the court of law against me. I was sent via USPS a letter from XXXX XXXX XXXX for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for XXXX XXXX  XXXX stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called XXXX XXXX XXXX and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at XXXX XXXX XXXX I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. ADP did n't send me any notification of garnishment until XXXX the day AFTER I went to court. When trying to speak to representative at ADP I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again. I have documentation stating to come back XX/XX/XXXX which they are saying is invalid. Its a court order with an official stamp staring my employer didnt respond when they were supposed to do.
Product: Debt collection

I was made aware of several fraudulent debts which included  a Home Depot car d with a balance of {$1200.00} on  XXXX   XXXX ,2017. I contacted security operations, filled out the company fraud affidavit online and faxed and sent by mail. I was advised that the account was escalated and would we completed  XXXX / XXXX / 2017 . I phoned in to get the status as this is holding up a mortgage approval and I was told it will take an additional 90 days which is not what they told my loan officer or myself when she submitted all of the documents.
Product: Checking or savings account

On XX/XX/XXXX somehow somebody got the information on my card and when in my account and spent {$710.00} at XXXX retail stores I guess buying gift cards the only thing I can think and wiped out my account in XXXX minutes I have sent every bit of proof to chime trying to get this situated they sent me photos of a digital wallet with XXXX other women 's names on cards never once show me where my card was once associated with this account at all they have denied my case and now they won't talk to me anymore I've sent other emails to them and they've ignored them or they just send me the same email saying that I'm denied I sent them videos of me in my home at the exact time that these people were scanning money out of my account I sent them text messages I sent them email showing them my time punches at work and I'm still denied. They had labeled me as the thief when there are XXXX other names on these cards that they covered up the last name of course so I can't see I am also writing them trying to get these women 's names so that I can press charges but of course still no help from them any help from you would be greatly appreciated I'm an honest woman that goes to work and babysits my grandchildren I would never in my lifetime know how to hack into somebody else 's account I'm not that educated enough on that but please any help from y'all would be greatly appreciated thank you
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 reportsno consent is fraud. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.