23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter. I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities. I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature. Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report. Provide me with written confirmation once these fraudulent items have been removed from my credit file. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX : {$570.00}.
Product: Credit card

I requested to have my credit protection place coverage activated for involuntary termination from my former employer. XXXX last card number XXXX last card number XXXX last card number I requested credit protection on all three cards but was not provided the service as request and as paying for this service in the terms and condition when ever I have an involuntary termination for a permanent employment and I provide the documentation as requested I am owed this benefits. Date open was XX/XX/year>25 but the approval for the benefits has not been approved at this time and all documents in regards to the terms and conditions has been met for all cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. the address XXXX XXXX XXXX XXXX XXXX fl not mine
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX the XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX under the account number XXXX and XXXX under the account number XXXX and XXXXXXXX  under the account number XXXX and XXXX under the account number XXXX apple card under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to Fifth Third Bank, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Checking or savings account

On XX/XX/XXXX our CD matured and we were not notified and the bank automatically renewed it at a lower rate ( .25 % ). When I called the bank 3 weeks later I was told there was nothing they could do about it, even though I told them I never received a renewal notice. I was told I could close the account but I would be charged a {$60.00} penalty fee for closing the account early, so we left it alone. On XX/XX/XXXX we get a letter from the bank telling us that we may not have gotten the renewal notice on our CD and they apologize for the confusion and want to give us the opportunity to either : 1 ) Change your CD term without penalty 2 ) Close your CD without penalty 3 ) Continue with your existing CD term - no action is required. They gave us till XX/XX/XXXX to make a choice. I went to the local branch and asked them to give us the interest rate that we should have gotten back on XX/XX/XXXX and they said they could only do what was in the letter we got, so I closed the account and put the money in a different bank.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX and XXXX with no account #, 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.

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 conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) Section states : 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: Consumer Loan

4 MONTHS AGO NISSAN DID NOT POST MY PAYMENT TO MYACCOUNT PROPERLY AND HAD REPORTED ME 30 DAYS LATE, SOLVEPROBLEM AND WAS TOLD THEY WOULD FIX THE LATE PAYMENTON MY CREDIT REPORT. NO LATE CHARGES WERE EVER POSTEDAND ACCOUNT IS UP TO DATECREDIT REPORTING OF LATE PAYMENT NEVER FIXED
Product: Credit card

I am writing to express my frustration with the handling of an important transaction I attempted to process through my credit card by XXXX XXXX. The transactionrequired for a government applicationwas declined due to its being flagged as an overseas online transaction. 

While I understand and appreciate the need for fraud prevention measures, this decline caused my application to be denied, resulting in significant delays, financial costs in the upwards of over {$250.00}, and personal stress. At no point was I contacted regarding the decline, nor was I provided with an opportunity to preauthorize the transaction or resolve the issue in real time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to you because I never authorized any furnishers to report on my credit and the information they are putting on there are fraudulent and wrong. I wrote to all 3 credit bureaus and none of them responded in over 2 months. I want these frandulant reports removed or I will seek litigation because what they are doing is also wrong by putting false medical reports on there I never authorized to report and they never verified any of this. Thank you for your time.
Product: Credit card or prepaid card

These Cards or accounts were opened fraudulently as a result of my personal information that was stolen which I have Reported previously. Remove Immediately. Please Thank You
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian is reporting inaccurate information on my credit report. I call the court and they told me they dont report Bankruptcy to the credit bureaus. All 3 bureaus is reporting fraud on my credit report and i would like these to be removed ASAP.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I contacted SST about a XXXX-time extension of my monthly payment because I was concerned that the terms of the loan were illegal, and I did not trust the company and wanted time to do some more research. I was told, explicitly, on the phone that my XXXX  monthly payment would be deferred to XX/XX/XXXX instead of XX/XX/XXXX. After XX/XX/XXXX, I received a letter from SST letting me know that I had a late payment. I called SST to clarify with them, saying that I was told my payment would be deferred for a month. The representative on the phone told me that my previous request for an extension had been denied. I was never told previously that this extension was a request. I was told, explicitly, that my new payment date was XX/XX/XXXX, verbatim " Your new due date is XX/XX/XXXX ''. I was not given an explanation for why I was lied to on the previous call. I was again not given a confirmation number or written confirmation that that had processed or even requested an extension, even though I requested written confirmation on the phone. I was told by the representative that they re-submitted the request and that I can call back in XXXX days to see if it's been approved, which is not aligned with what the previous representative told me.
Product: Student loan

I am writing to dispute inaccurate information regarding student loans on my credit report. [ Briefly describe the issue, such as Loan [ ] is inaccurately reported as delinquent despite being in deferment. ] I have attempted to resolve this issue with [ Mohela ] on [ Date ( s ) ], but the issue remains unresolved. Attached are copies of [ list supporting documents : payment records, correspondence, discharge paperwork, etc. ].
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full directly to XXXX XXXX XXXX XXXX. This account should never had gone to collections in the first place and it should be reporting a {$0.00} balance. XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I received a letter which posted a charge of {$1400.00} levied by the collection agency National Enterprise System ( NES ). The date on the letter reads XX/XX/2019. When I called NES, the different representatives that I was transferred to refused to give me an explanation of the debt. They did not want to tell me what services or merchandises that I purchased that cost this dollar amount. They asked me to give them the account number written on the letter which I did. But instead of telling me why I owe this debt, they keenly insisted on me giving them my personal information, although I repeatedly verified the account number and my address.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft. Someone stole and used my personal information to apply and opened up the following unauthorized and fraudulent accounts : XXXX and XXXX. I been receiving harassing and threatening telephone calls, including death threats from representatives from XXXX and XXXX in regards to unauthorized and fraudulent accounts and debts that do n't belong to me.
Product: Prepaid card

On XXXX XXXX, 2016 my debit card was used in another state repeatedly the transaction came out to {$740.00}. This is a debit card from Social Security income which says my money would be safe and secured. On XXXX XXXX, 2016 is when I realized all my funds were gone immediately i called customer service. I asked why was n't the card disactivated when transaction were being made so far repeatedly. I was sent investagation forms which took them a week to get to me. I still have n't received any kind of information nor any refund they told me maybe I get my money back on the card itself it says it is insured.
Product: Checking or savings account

Every summer I go on a trip to XXXX XXXX to visit family and friend and XXXX months ago, I went on a trip to XXXX XXXX for vacation and since I spend half of my time there and of the international fees I decided to open an account with a local bank there ( XXXX ) and stop using my Wells Fargo debit card. I left on XX/XX/XXXX and came back in XXXX and while I was at the airport I tried to my Wells Fargo debits card to call an XXXX but my card got declined so I decided to look into my zipper bag in my luggage which where I keep my debit card but I couldnt find it so I ended calling a friend to come pick me up and when I got home I saw a Wells Fargo letter saying my account is close. I immediately went to the nearest Wells Fargo branch and a lady told me my account got closed because I didnt have enough money in it for a certain period of time. I paid the money I owed which was XXXX dollars and opened a new account I asked the lady if I can see my old account summary but she said once an account is closed Wells Fargo cant go through it no more. I went home that day and call IRS to track my taxes and realized my XXXX XXXX dollars check has been deposited in my account since XXXX. I called Wells Fargo bank again and talked to a guy named XXXX he told me he has checked my account and said all the money has been withdrawn at an Atm around the XXXX of XXXX which was XXXX dollars. He asked me if I wanted to open a claim I said yes and ended up opening a claim. XXXX week later I received an email saying my claim has been resolved and that I should be receiving a letter and since I didnt receive nothing I called again today and another guy name XXXX XXXX me my claim go denied, and told me they believe the transaction was made by me or someone authorized by me. I am currently out all my savings Im a single parent i also I have XXXX kids to take care of and my youngest is still a baby and I have no idea what to do right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have sold my crypto assets to close my account. I am unable to withdraw funds and close my account because I no longer have access to authenticator. In order, for me to have my account reset so I can reinitialize the 2 factor authentication, I am required to send in a video with full face view, profile view while holding a sheet of paper with my name, today 's date along with my drivers license. 

Since I am unwilling to complete due to privacy concerns, I am unable to withdraw funds and close account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX i contacted XXXX to place a freeze on my account. As i pulled my credit report i see information that violates my Privacy as a consumer. I proceeded to dispute this information with XXXX, sent letters, and requested the paperwork from the investigation. I have not received the paper work from XXXX but yet they say this information is accurate. I disputed this same information with the main credit bureaus like Experian on XXXX XXXX and on XX/XX/XXXX it came back this information was verified. i asked for them to provide me with the paper work with my signature giving them permission to use this information. I have not received that paper work. on XX/XX/XXXX i went the United State Bankruptcy court and asked for a letter stating if they report this information to the credit bureaus. The letter stated from thee clerk " they don't provide for this information to the bureaus in fact they get this information from XXXX  '' which fishing for negative information is a violation of my rights as an consumer. On XXXX i reopened the dispute.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to the CFPB regarding several fraudulent accounts and inquiries that have been inaccurately reported on my credit report. Despite multiple attempts to resolve these issues directly with the credit bureaus, the inaccuracies persist. The fraudulent entries in question have significantly damaged my credit profile, causing undue stress and financial difficulties. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries have no basis in my personal or financial history and clearly violate the Fair Credit Reporting Act ( 15 USC 1681 ). The presence of these fraudulent accounts and inquiries on my credit report not only defames my character but has also caused severe emotional distress and financial hardship. They have negatively impacted my ability to secure housing, credit, and other essential services. 

Legal Basis for Dispute : The following legal provisions have been violated : 15 USC 1681 ( Fair Credit Reporting Act ) : Ensures accuracy and fairness in credit reporting.

Section 609 ( a ) ( 1 ) ( A ) : Right to dispute inaccurate information.

12 CFR 1006.34 ( b ) ( 5 ) : Mandates clear, conspicuous, and accurate information reporting.

15 USC 1692c, 15 USC 1601, 15 USC 1602p, and 15 USC 168 : Protect consumers from unfair, deceptive, and abusive practices.