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

IM A VICTIM OF IDENTITY THEFT/FRAUD/DATABREACH I WAS REVIEWING MY CREDIT REPORT TO CHECK MY SCORE AND I NOTICED A COUPLE UNAUHTORIZED FRAUDULENT INQUIRIES LISTED ON MY XXXX CREDIT REPORT.I NEVER APLLIED WITH THESE COMPANIES AND I NEVER GAVE ANYONE PERMISSION TO RUN MY CREDIT NOR AUTHORIZATION.PLEASE REMOVE THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ENCLOSED MY FTC IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the Equifax security breach I have been trying to stop them from collecting my data. 
I do not trust them any longer, as they have shown to be terrible custodians of my information. The best they seem to be able to do is to put a credit freeze on my report. This does not stop them from collecting my data. How can I stop them from collecting any more data on me?
Product: Credit reporting or other personal consumer reports

Due to inaccuracies in my XXXX XXXX report, I've faced denials for XXXX XXXX XXXX XXXX insurance. Despite my efforts to contact the company through their website and phone number ( XXXX XXXX XXXX XXXXXXXX ), I've received no response since XXXX. I've been with XXXX for over XXXX years and can provide documentation to refute the reported health issues. Unfortunately, I have been unable to speak with anyone at the company to address this matter.
Product: Debt collection

I received a notification from XXXX  and XXXX  stating that I owe a hospital bill in the amount of {$720.00}. I have not visited a hospital in the time frame or have any documents regarding this matter. I'm requesting to receive any documents containing to this bill as we'll as a signed hippa release form for this false claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

I received unsolicited checks in the mail from US Bank, in spite of the fact that I specifically enrolled in paperless documents and statements. 
THIS IS AN OPEN INVITATION TO IDENTITY THEFT AND/OR CHECK FRAUD! 

I tried to stop these promotional mailings using the US Bank website and their phone app, and there is no way to do so. I am unable to get a response from their support, since they do not provide any way to contact them except by phone or in person and I do not have that much time to waste. 

IF THEY REFUSE TO STOP THESE DANGEROUS MAILINGS I WANT TO CLOSE MY ACCOUNT, BUT THEY DO NOT PROVIDE A WAY TO DO THAT EITHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. SANS RECOURSE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account # XXXX This company is in clear violation of the law. Under 15 U.S.C 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give them written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681.

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 : Is where it 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. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C 1692g violations 4. Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance ( 15, U.S.C 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To the CFPB, XXXX XXXX XXXX is filing a complaint for discrepancies within my credit report of improper documentations.. 
According to Per 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

The discrepancies starts with the credit agencies themselves : The Balances are different The Closed accounts are different The Inquiries ( 2yrs ) are different The discrepancies with XXXX  XXXX are : The Original Balance are different The Last payment dates are different The date that it was opened are different The discrepancies with XXXX XXXX Auto are : The Original Balance is different The Last payment dates are different The dates that the credit was opened are different The status of the account on certain dates are different The discrepancy with I C System are : The open dates are different
Product: Mortgage

1. In/about XXXX XXXX, my wife and I applied to Bank of America N.A . to refinance the loan secured by a mortgage on our home from another bank. We applied via BofAs office in XXXX, NJ where we have for decades maintained a checking account. 

2. The office put us in touch with a BofA lending officer through whom we completed the application process in early XX/XX/2021. 

3. On XX/XX/2021, the lending officer called and later dated XX/XX/XXXX letter arrived, each said our application was denied. 

4. To the question why, the officer replied based on the materials submitted. I asked for an elaboration but she didnt give one.

5. Also during the call, the lending officer refused our request for the materials-whatever the medium or format in which they were created and maintained-that were used in taking the decision to deny us. 

6. She referred us to another BofA person-with the title Assistant XXXX and a different office address- because we wished to further pursue our questions and requests. He did not reply to our written requests for reconsideration. 

7. Despite the lending officers earlier refusals, later that day she sent me an email showing our monthly income of {$10000.00} was {$220.00} less than the required percentage per their underwriting requirements. 

8. Our complaint is based on the fact that BofA omitted the following items from our income shown in the email : Federal tax saving on 15 % of exempt Social Security {$130.00} p.m. 

NJ tax saving on 100 % exempt Social Security income XXXX p.m. 

Federal & NJ tax saving on 100 % of Roth IRA income XXXX p.m. 

Wifes omitted interest income {$25.00} p.m. net of tax XXXX p.m. 

Total {$350.00} p.m. 

9. The omitted items exceed the short-fall by {$120.00}. Therefore it appears our application should not have been denied.
Product: Mortgage

I had been working with the mortgage company since being after by Covid 19 and developing a financial hardship. I was never late and have the documents which reflects my first mortgage payment is due in XXXX. They recently started to report late pays for XXXX and XXXX and the month of XXXX is not over. I contracted them And they said its for XXXX and XXXX but the point is I still was in the program waiting on the underwriters to review our application for which program we qualified for. If we had a payment due we would have paid it. This is completely fraudulent and predatory. Security National Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am feeling really ignored of my disputes from the bureaus I mailed out my letters certified on XXXX to this date XXXX it has been over 60 days I know I have yet to receive anything back stating they investigated the misleading unverified information that is on my credit profile. I just need this information looked into updated and/or removed. Thank you for prompt responses to my issues.
Product: Credit reporting or other personal consumer reports

Been denied bank account they use early warning as a banking validation service I never heard off call early warning. I sent in a letter requesting a consumer report a few months back and I never received it. I just want to know what if is on my report to dispute the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Equifax on XX/XX/2022 stating that they have inaccurate information on my credit report, wrong addresses and inaccurate employers and it has been longer than sixty days and I have not received any updated information from them.
Product: Debt collection

While on assignment in XXXX XXXX Pennsylvania, XXXX XXXX. 
I received a phone call from a lady claiming to be a representative of XXXX XXXX. Representative asked me some questions I refused to answer, on my lunch break I returned call to XXXX XXXX. 
Apparently, credit card was stolen and fraudulent user went over credit limit. There were purchases made but I was told and assured that I would not be charged nor held accountable for any merchandise charged. 
Years later XXXX, XXXX XXXX XXXX, XXXX, CT XXXX - XXXX, ( XXXX ) XXXX XXXX representing XXXX XXXX XXXX credit card stating I owe ( {$1100.00} ).
Product: Credit reporting or other personal consumer reports

I am writing as a federally protected consumer with the right to privacy. According to the policy of Congress, each financial institution is required to uphold an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of nonpublic personal information. This includes ensuring the protection and confidentiality of customer records and information, protecting against anticipated threats or hazards to the security or integrity of such records, and guarding against unauthorized access to or use of these records or information, which could result in substantial harm or inconvenience to the consumer. 

I am disputing the late payments reflected on my credit report, as they are inaccurate and have caused significant harm to my livelihood. These errors have placed unnecessary financial strain on my ability to provide for my children, secure affordable housing, and pursue better opportunities for my familys future. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. For refernce, my FTC complaint account number is XXXX
Product: Debt collection

I have a {$94.00} medical debt that 's negatively impacting my credit score. I called the company to set up a payment plan to get it paid off and removed from my credit score. I am pursuing payment for  deletion of the account from my score. The first man I spoke with tried to indicate to me that I owed {$110.00} and change, which is incorrect. My credit report and the bill from the original medical company both confirm the amount is {$94.00}. He then corrected and confirmed the amount. I requested our agreement of payment for deletion be put in writing, for my records and an assurance that it would definitely be removed. The representative said that he could not do that, at which point he transferred me to his supervisor in case she could. When XXXX XXXX, collections manager, picked up, she refused to acknowledge the {$94.00} bill and instead insisted that she 's legally allowed to charge me interest on a MEDICAL BILL on behalf of her collections agency. This is illegal. She attempted to bully me into accepting the {$110.00} amount, was extremely condescending and suggested I do " research so that I know what I 'm talking about ''. I then requested a copy of my recorded call with the male representative and her be sent to me for this report. She refused to furnish copies of the records of my communication with the male ( in which he promised the correct amount was due and a deletion upon payment ), and told me her line was private and unrecorded.
Product: Debt collection

The debt has been charged off by the original company but the collection company keeps calling and protecting me. The name of the company is First National collection Bureau. The debt has been charge off by XXXX XXXX
Product: Debt collection

Upon reviewing my latest credit report, I identified multiple accounts that appear to be inaccurate and were added without my consent.
Product: Debt collection

I received a letter from XXXX XXXX XXXX in XXXX XXXX telling me I owed {$25.00} to XXXX. I responded with a letter on XXXX/XXXX/XXXX explaining that I did not recognize this and asked that they send me a copy of the original receipt that explained what it was for. 

I received a letter back from Aargon Collection Agency with summary information from XXXX showing a {$120.00} charge back on XXXX/XXXX/XXXX for " XXXX ''. My name was not on this summary and the health information for XXXX XXXX Washington that was listed did not match my policy # or Group #. In fact, I was not insured by XXXX until XXXX/XXXX/XXXX, so this could n't have been my debt even if the policy and group numbers had been correct. 
I called and talked to XXXX at Aargon and explained that this was not my debt, that my name was not listed on the bill and the policy and group numbers did not match mine. He told me that he hears this all the time and that all indications are that this was my bill. He said that it was n't affecting my credit rating yet, but implied that if I did n't pay it, it would. When I insisted that this was n't my debt, he told me that I would need to file an Identify Theft Report with my local police department and send him the file number, then they could reference it in his file. 
None of this sounds right. I ca n't believe that they can press me to pay a bill that is in no way connected to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion DIES NOT have the right to do ANY investigations AFTER XX/XX/XXXX. THEY HAD 30 DYAS, THAT IS ALL THEY GET. BECUASE THEY DID NOT INVESTIGATE IN THE 30 DAYS, THEY MUST BY LAW DELETE ALL ITEMS. THAT IS THE FAIR TRADE CREDIT REPORTING ACT.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a credit card with Sofi. I received a letter from the company stating that I was denied for a credit card for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
Product: Debt collection

My last day with XXXX should have been XX/XX/2021. 

Due to some internal technical error I kept receiving a full pay check. I believed the check dated XX/XX/2021 was my final check. When I continued to receive checks I notified my XXXX  team lead, manager, and XXXX members of XXXX. This continued until they had direct deposited over XXXX. 

I make the following claims XXXX : I never entered into a written agreement with XXXX  for them or their assignees to be able to make any claims against my credit score XXXX : I maintain that I did my due diligence in reporting the technical issue to XXXX as soon as I realized there was a problem. Their inability to correct this issue is not my fault and I in no way should be liable for their mistakes.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, wish to bring to your attention a matter of utmost importance. Specifically, I would like to assert that 15 U.S. Code 1681 c-2 clearly states that if a consumer identifies information in their credit file that has resulted from alleged identity theft, a consumer reporting agency is legally obligated to block the reporting of such information within a period of 4 business days.

To provide some context, I dispatched a package to your organization on XX/XX/2023, containing my FTC Complaint numbered XXXX, XXXX affidavit XXXX FTC affidavit XXXX police report, a copy of my driver 's license, social security number, and a copy of my gas bill. The purpose of this package was to request the blocking of information in my credit file that I have identified as being a result of identity theft against me. 
It is crucial to note that I am well aware that, as per 15 U.S. Code 1681 n, the failure to adhere to this law may result in punitive damages. Regrettably, I must emphasize that I have not witnessed any action being taken on my request, nor have I received any information from your end regarding how you have verified the identity theft that led to my credit denial. This is a matter of great concern and immense frustration for me. 

I want to make it unequivocally clear that I find this situation highly unacceptable. To prevent any further legal actions and to seek a swift resolution to this matter, I hereby demand that you immediately remove the fraudulent XXXX  XXXX XXXX account XXXX. XXXX from my credit report. 

This correspondence serves as a formal demand on my behalf, urging XXXX and Experian to initiate a comprehensive investigation into the facts and circumstances surrounding this issue. I expect an appropriate response to my concerns, which should include your immediate compliance with the aforementioned demand. Keep in mind Under consumer law asking XXXX  XXXX XXXX to verify this fraudulent debt is not the credit bureaus doing a true investigation on this matter. 

I trust that you will treat this matter with the seriousness and urgency it warrants, as I am prepared to take further legal action if necessary. I eagerly await your prompt response and resolution of this pressing issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I paid {$92.00} to get a Revvi credit card and then another {$75.00} annually paid fee in less than a month after opening a credit card with them on XX/XX/year>. After using the card and reaching the limit I made 2 payments to them, both of them around 2 weeks after I received the card, and 2 weeks before I was due to make a payment. I wanted to reestablish my credit, and utilize my limit early on. After laying my account IN FULL ( almost XXXX dollars ) leaving my balance XXXX, I went to use my card and was denied. After trying a couple of times I reached out to the company and was unable to get in touch with him being put on an endless hold. Finally getting in touch with them I asked them why my card was not working they acknowledged that I had a XXXX balance and no payment due nor did I have a late payment being that I had paid it two weeks after I got the card in full I was told that I needed to mail them a copy of my bank statement that I paid with. They said that they felt it was a fraudulent account and that they needed verification that I paid my own bill with my own bank account and that's why they showed off my card. I believe that this company is a scam and that they make you do this so that they can keep your fees and then make it an inconvenience to get them back or to even turn back on your card because who is going to mail out their Bank info so that they paid their own bill. I can only imagine how many people get so frustrated for not being able to get their money back or their card back and then on top of it the card game shut off after they've paid their bill and affecting their credit that they're trying to re-establish to begin with this is unfair. If I cancel the card it affects my credit. And why should I have to have paid that amount of money for a card that I can't use at the gas pump it's inconvenient to begin with and won't scan and get shut off for just simply making your payment and then they won't turn it back on you can't send them information any other way than mailing it to them they took my money and they stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for Experian to change my personal information several times and they have refused to change it having this incorrect information on my report is misleading and his place and me and technical situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have three unauthorized hard inquiries on my credit reports XXXX, XXXX, and XXXX. I never gave this company permission to check my credit and when I contacted them they ignored my request. I requested to have the inquiries deleted.