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

On or about XX/XX/XXXX XXXX XXXX reported private information to one of my partners ( XXXX ) which has and continues to cause me financial harm. I have lost an estimated {$14000.00} ( {$1200.00} weekly ) due to this unauthorized reporting. In accordance with the FCRA, XXXX is in violation of : 15 USC 1681 section 602 which states I have a right to privacy. 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without prior written instructions. 15 USC 1681 C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to XXXX. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, Transunion and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the unauthorized use of my XXXX XXXX XXXX XXXX XXXX and restitution should be made by any company or individual without my consent or a valid contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that XXXX AND TRANSUNION Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX XXXX XXXX, Account number # # # # # # XXXX, has violated my rights. 

XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 604A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy on Credit Report Dear [ XXXX, TransUnion & XXXX ] I am reaching out to inform you of some discrepancies I have discovered on my credit report dated XX/XX/year>. After a detailed review, I found several accounts that are not associated with me. I kindly request your assistance in promptly removing these inaccurate entries from my credit history. 

The accounts in question are as follows : 1. XXXX 2. XXXX XXXX Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

I noticed this on my credit report. Tried to settle it with the company since I have no knowledge of this credit card and did not have an account with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to their failure to investigate and respond to this issue in a timely manner ; I am asking for all the items listed in my dispute letter to be removed from my credit report. I am uploading proof of my dispute letter and also a receipt of the bureaus receiving my demand to comply which i sent via certified mail with tracking
Product: Debt collection

I received a letter which contains a website that doesn't work. they reference a charge by XXXX XXXX XXXX XXXX # XXXX. I looked up the citation with XXXX XXXX XXXX and that citation belongs to a car that I don't own or have ever owned. attached is the screenshot for the citation. if this is truly my citation I need copies of the original document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting, In XXXX of 2018, I received verified dispute results from XXXX, Experian, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.
Product: Debt collection

While working with a mortgage company, I discovered a debt on my credit that was invalid. I disputed the debt via XXXX. After investigating, the original company that said I owed the debt responded that the debt was indeed invalid and XXXX deleted it from my credit report. A collection agency that bought the debt some time ago is still hounding me to pay even though I 've informed them that I 've disputed the debt and the original creditor agrees it is not a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give written instruction to furnish the following experience and payment transaction. 

XXXX XXXX XXXX XXXX  reporting as late These are the laws being violated : Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Student loan

I am currently repaying a student loan to fedloan servicing who have an inaccurate total that I currently owe them. All of my loans have been consolidated but credit has not been given for the payments that federal government collected over a period of 20 years. When my loans were defaulted, my taxes were taken and I was voluntarily having {$170.00} withdrawn from my checking account for over 16 years. The collection agency was the XXXX XXXX XXXX and I have not been given credit to my account for those years of payments that they collected from me. I want those tax collections that they intercepted and I want those voluntary checking account deductions to also be credited to my account. This will significantly impact my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX   XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} EQUIFAX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX  XXXX {$4000.00} XXXX XXXX {$5500.00} XXXX XXXX {$4000.00} XXXX  XXXX {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed some unknown, unrecognized and unauthorized inquiries on my XXXX, XXXX and Experian consumer reports. On XX/XX/XXXX & XXXX XXXX, I informed XXXX, XXXX and Experian of the unauthorized use ( 15 USC 1602p ) on my report. I required XXXX, XXXX and Experian to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that XXXX, XXXX and Experian are willingly and knowingly reporting false information on my consumer report. I required XXXX, XXXX and Experian to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, XXXX, XXXX and Experian has yet to respond to the letter sent through the mail. I demand XXXX, XXXX and Experian to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that XXXX, XXXX, and Experian delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information XXXX, XXXX and Experian is reporting on my consumer report. XXXX XXXX XXXX & XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I require you to delete these unknown, unrecognized and unauthorized inquiries and update my consumer report, and send me an updated report.
Product: Credit reporting or other personal consumer reports

Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureau to try to dispute it, but they were not willing to help me. Equitable refusing to dispute the unauthorized information on my report. They violated the 15 U.S. Code 1679c - Disclosures
Product: Credit reporting or other personal consumer reports

i had applied for a credit card with ( XXXX XXXX ) paid the balance in full and it its still on my credit report
Product: Credit card or prepaid card

Greetings, I am writing to complain about Chase Bank continuing to proce ss Amazon.com Visa signature  credit card applications and continues to make hard credit inquiries (  XXXX   XXXX ,  XXXX  ).   I DID NOT AUTHORIZE THIS APPLICATION, VERIFY INFORMATION OR A REQUEST FOR A HARD CREDIT INQUIRY.     Chase bank has also failed to remove hard credit checks to my credit report, as per their written statements to CFPB Case number :  XXXX  dated  XXXX  " C hase Bank USA, N.A. s aid : We mailed you the enclosed letter dated  XXXX   XXXX ,  XXXX , advising you the previous applications were marked as " Fraudulent. '' The most recent application was submitted on  XXXX   XXXX ,  XXXX , using information that verified to you. The application was not immediately approved and we sent the letter dated  XXXX   XXXX ,  XXXX , to verify if the application was submitted by you. You notified us the application was not submitted by you on  XXXX   XXXX ,  XXXX . We 've marked the application as " Fraudulent. '' We have again asked the credit-reporting agencies to remove the credit inquiry from your credit report. Allow sufficient time for the updates, and then request a new copy of your credit report. ".      One would have thought after numerous phone calls, letters, and two  formal complaints to the CFPB, Chase Bank would have figured out I do n't want their credit card.   CFPB case #  XXXX  CFPB case #  XXXX  One would be wrong.     To resolve this matter, Chase Bank needs to :   1. Provide written proof I applied for the credit card.
2. Mark the credit card application as fraudulent.
3. Remove ALL hard credit inquires from my credit report, as per their written statement to the CFPB.
4. Explain in writing why on Earth   Chase Bank would continue to even consider approving a credit card application or make hard credit checks after two formal complaint to CFPB.
Product: Credit reporting or other personal consumer reports

Spoke to XXXX XXXX XXXX a couple of times, beginning on XX/XX/XXXX, regarding the status of my student loan accounts with the Georgia Student Finance Commission. I asked him why are they being reported as delinquent when I am currently a graduate student at XXXX XXXX University, and the in-school status was made available to all of my student loan servicers. I knew this because I called the XXXX XXXX University Financial Aid office to confirm. I also wanted to know how the accounts went from being current in the month of XX/XX/XXXX and then sixty days late in XX/XX/XXXX, which is the status indicated on all of my credit profiles. Lastly, I wanted to know why are the accounts going through status changes when student loans were paused on the COVID-19 Rescue Act beginning on XX/XX/XXXX, and lasting until XX/XX/XXXX. 

I was advised to set up a payment arrangement and make six consecutive on-time payments of {$460.00} per month under their Rehabilitation Program and at the conclusion of those successful six payments they would place the accounts back in a current status. This company has an in-school deferment policy, that they refuse to follow, as well as the national presidential order that was made active under the COVID-19 Rescue Act. As a result, they have seriously diminished my credit standings with the credit bureaus and my revolving credit accounts.
Product: Student loan

Discover student loans is currently the administrator of a series of student loans that were originated between XX/XX/XXXX-XX/XX/XXXX by XXXX. Over the last 6 months they 've increased my interest rate a series of times. I reached out and requested an explanation as my believe was my original loans were fixed rate loans. I was informed that I was wrong. I requested my original promissory note and loan origination documents and they informed me that they did n't have that on file and they needed to request that from XXXX. That was almost two months ago and every time I request an update, I 'm told it takes time. My issue is that they 've increased my interest rate without proper explanation as to why, and they ca n't prove to me it 's even something they are allowed to do. How is it even remotely legal for a loan company to purchase a loan and not be required to keep all of the original documentation on file?
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting by Nordstrom Bank ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Nordstrom Bank regarding the inaccurate reporting of my account, numbered XXXX, to the credit bureaus. Despite numerous attempts to rectify this matter directly with Nordstrom Bank, they have persistently refused to correct the inaccuracies in their reporting. 

I contacted Nordstrom Bank regarding discrepancies in the reporting of my account. Despite providing evidence and documentation supporting my claims of inaccuracies, Nordstrom Bank has failed to take appropriate action to rectify the situation. Their continued refusal to address these inaccuracies has had a significantly detrimental impact on my credit score and financial standing. 

This conduct by Nordstrom Bank not only violates my rights as a consumer but also constitutes a clear violation of aggressive consumer protection laws. As such, I urge the Consumer Financial Protection Bureau to intervene and compel Nordstrom Bank to immediately cease their inaccurate reporting practices and take corrective action to restore the integrity of my credit profile. 

I am attaching copies of relevant correspondence, documentation, and evidence supporting my claim for your review and consideration. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate enforcement action against Nordstrom Bank to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I opened an Axos Bank account due to a promotion saying I can receive {$100.00} from the bank by fulfilling specific requirements, including a direct deposit. After fulfilling these requirements and waiting for several months, I reached out to the bank only to find out that they are not honoring their advertised promotion because they failed to properly apply the bonus 'code ' to my account. I am filing a complaint because whether or not the promotional code was applied correctly, I fulfilled the requirements for the bonus as spelled out in the terms and conditions, and I would not have opened the account or fulfilled those specific conditions had it not been for the promotion.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below have violated my federal protected consumer rights. under XXXX XXXX I looked at my Experian credit report XX/XX/year> I noticed things are not correct and incomplete. And according to the fair credit report 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 according to XXXX XXXX XXXX an according XXXX XXXX they are suppose to do this.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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 personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 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 XXXX 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 sent my letters off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, all of the information on these accounts is still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.