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

I have reached out to Equifax over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered. 

To date Equifax has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Equifax still has my credit frozen. So I repeat, I demand that ALL reports through Equifax under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public information.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/TJX CO Dual Card pulled my credit without my permission on XX/XX/2022. I am requesting they correct this inquiry by removing it from my credit as shown via XXXX XXXX Credit Reporting Agency immediately. In addition please provide a statement verifying the error was corrected.
Product: Checking or savings account

I had some unauthorized transactions that began on XXXX and ended on XX/XX/15. The bank decided against me even though I did not make the transactions. In total it was XXXX dollars money I do not have to lose.
Product: Mortgage

I was approved for a loan modifocation in XXXX. I finally received the permanent loan modification papers in XXXX to let me know to pay the permanent mortgage in XX/XX/2021. I went to pay by cumputer and it would not allow me to pay via my computer so I went to pay at local branch and they said that their system wouldn't allow it to be paidat a branch. please help ... .I 'm scared Bank of America is trying to take me house.
Product: Prepaid card

Received electronic prepaid XXXX as result of Equifax data breach settlement. Tried to use at 2 local grocery stores. Each time asked for a PIN which was not supplied with the card. Went into prepaid card site and added a PIN but still did not work. Store even entered card number exp date and security code but never worked. Added amount from card to my XXXX gift card but was declined each time and now card shows a balance of {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These names, addresses, and employment information : NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Tx XXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX Automotive Parts. According to 15 USC 1681s-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. Additionally, 12 CFR 1006.34 ( c ) ( 4 ) ( l ) have not been given the chance to dispute account.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to address this issue, I would like to follow up regarding these these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. The fraudulent items in question such as unauthorized accounts, inquiries, or personal information, and they have been erroneously reported on my credit file. I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. Please help me remove these fraud items in my credit file immediately : 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 XXXXXX/XX/XXXX.
Product: Mortgage

I demand that Wells Fargo provide me the following documents in that they have no contract with me and do not own the mortgage or home they have violated the SEC rules and regulatins and the FHA laws. They have securitized the loan into hedge funds and continue to harass and threaten even during my bankruptcy. 
I want full accounting of this loan Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account Wells Fargo has taken advantage of me and other XXXX home owners across the country. They have falsely certified and submitted ineligible residential mortgage loans for FHA insurance. I want the owners of this company arrested and locked in a prison without bail. I also demand a full refund and XXXX dollars in settlement for pain and suffering and harassment because they violated the FHA laws and used predatory lending practices
Product: Checking or savings account

I have {$7000.00} dollars in my saving account that I can not withdraw because citi bank hold the fund for no reason. I tried to contact the customer service and the customer service asked us to go to the local branch to fix the problem. When I visited the local branch, the front desk asked me to contact the customer service, again. I have been contact with customer service and they kept saying I have to wait for indefinite time. I need the fund and my hard working money in my saving account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a mortgage with XXXX XXXX XXXX that was included in a bankruptcy XX/XX/XXXX. The mortgage was then sold to XXXX, then clearsprings sold it to XXXX. I am currently paying and in good status with XXXX. In XXXX of this year XX/XX/XXXX I got a hit on my credit report that XXXX had made a change on my old mortgage even though I had not had them on my mortgage for over two years. I filed a complaint XXXX with equifax. XXXX stated there was no issue and closed the case. I then started the process with XXXX Bank to refinance the property. During this process they received notice and letter from XXXX that the mortgage had a foreclosure listed. They notified me XX/XX/XXXX and was shocked, since I have never had a foreclosure and this mortgage was protected by bankruptcy. I immediately called XXXX equifax the same day and entered complaints. XXXX could never find an issue and neither did XXXX or XXXX Bank. Equifax also said there was no issue. Even thought the false foreclosure is not listed anywhere on my credit report it was a code listed by equifax. My bankXXXX, and equifax all had a conference call and it was obviously the Equifax had it coded wrong and the code showed the foreclosure. Even during this call a Equifax refused to change the code. Therefore I need help getting Equifax to code correctly and remove the code that is showing foreclosure. Please help. I have attachments but my iPad will not attach. Will send if someone sends me email I can send too. Thank you.
Product: Debt collection

This company has an unknown item listed against me. I have disputed with no response back from them. I have no idea what this is and there is always something listed which does n't belong to me. Please help
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I contact Wells Fargo regarding the card ending in XXXX to be removed as an authorized user on the account because of an alarming XXXX alert that the card limit had been increased by {$2000.00} to bring the credit line up to {$5000.00}. To my horror, I was informed that I am actually a joint owner, which I not only have not been aware of but was told in text messages from the other joint owner I can submit as proof both recently and from years prior where I am told that he only ever added me as an authorized user. I had to fight to get the case escalated to a Wells Fargo Executive Office Case Specialist XXXX XXXX who confirmed that I was a joint owner and sent me a document I allegedly signed in 2012. However, I have no recollection of this and would submit that my signature was forged by the joint owner I was living with at the time. 

The XXXX closed my case without even speaking to me so that I could provide this information. Further, his grounds for closing are contradictory to what is stated in the document my signature was likely forged on. XXXX stated : " Unfortunately we are unable to remove a joint owner from the account as the account was established as a joint account and can not be changed to sole ownership. '' However, the document used to add me as a joint owner reads " request to add a joint cardholder to your existing credit card account ending in XXXX, '' confirming that the account was in fact not established as a joint account but rather amended after the account was already established. Further, the document used to add me does not state anywhere that it is an irrevocable action, that the joint owner to be added can not be removed, that the account is to be re-established as a joint one, or that the joint owner will be secondary holder and forever at the mercy of the primary holder. 

The latter is the most irresponsible because according to a credit card specialist I spoke to the next day, I am indeed a secondary owner that did not need to consent to the {$2000.00} credit limit increase, despite it's implications for my financial standing, the fact that we are clearly separated and have been for over seven years, and the fact that the additional XXXX XXXX has already been spent and not at all by me. This agent also advised me that the only recourse was for me to close the account. However, that further jeopardizes my financial well being because I am certain that the other joint owner would simply cease payment and leave me to foot the XXXX XXXX bill that Wells recklessly permitted him to run up after granting him a line increase without my consent. It is clear that I am a " joint owner '' only for the purposes of their refusal to take me off the account, but I do not have joint agency over it because the " primary owner '' was allowed to secure and spend an additional XXXX XXXX unilaterally. 

I am asking only to be removed as a joint owner and for the " primary owner '' who sought a line increase and added me as a joint owner, not as an authorized user as he's claimed to me since 2012,  without informing me to ( justly ) be left financially responsible.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XXXX 2024 I began receiving at least XXXX calls and text messages per hour from mortgage wholesale lending companies. Some are aggressive and rude.I recently agreed and submitted an application to check what I qualify for to purchase a home and when they pulled my credit report I started receiving unwanted calls and text messages. I was told that credit reporting agencies sell information to these companies. This is disgusting to think my information was shared without my knowledge. 

I have since taken the following action : - Added my phone number to the " Do not call registry '' - Completed the XXXX pre-screen opt-out - Submitted a freeze on my account- I called Transunion and the representative just kept saying she could only see my credit report and was not helpful in telling me how these companies were accessing my information.
Product: Credit reporting or other personal consumer reports

I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) that have recently come to my attention. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue.

Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S.

Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Debt collection

I don't recall having a contractual relationship with this collection company I.C. SYSTEM, INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I applied as a renter for a home and noticed on my credit report that I had one account in collections. My report states I had a debt of {$300.00} opened onXX/XX/XXXXto Franklin Col and the account was closed on XX/XX/XXXX. Remarks state paid collection, original creditor : 10 XXXX XXXX

During that time, my husband and I were XXXX in XXXX XXXX with the United States XXXX I did not receive any information from XXXX XXXX XXXX or Franklin Col about having an overdue account. I moved to XXXX XX/XX/XXXX and had paid all of my accounts prior to our move.

When we moved back to the United States XX/XX/XXXX, I reopened a new XXXX XXXX XXXX account and had no issues for flags stating I had an overdue account with them.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.