23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Is reinsertion illegal? I believe it is. Back in XXXX I wrote Caine Weiner a basic dispute letter I found on XXXX. They removed the account from my credit between then and XXXX. That item has reappeared out of no where on my credit, same company and everything. This is totally illegal. They can not reinsert an item after they requested account deletion from the credit bureaus.
Product: Debt collection

I am writing this complaint to resolve the issue of my funds being garnished and taken out of my account without my authorization. Money has been taken out of my account on XXXX separate occasions. The first was for {$1500.00} and the second one was for another {$1500.00} totaling in {$3000.00} being taken from my account. I called the debt collector XXXX XXXX in XX/XX/2019 and let them know I was a victim of identity theft and that my information was used in taking out multiple loans through out the USA. I informed them I have a police report filed and filed a complaint with the ftc as well. Also, I advised there is a current freeze on all XXXX of my credit reporting files due to this identity theft. When I spoke with them on the phone they were uninterested in helping me resolve this issue and their sole concern was how to collect the debt. They never asked me to send any of the records XXXX  showing where it was due to identity theft. I was never provided any verification of the debt which breaks the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called one main, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card

Bank of America changed their bill payment process on their website and their mobile app. You can't just simply login and pay the bill. You have to go to the bill payment center and ADD your credit card to that system. The system wasn't working and wouldn't show my current card with them and so I couldn't select it. So I didn't make payments. I've never been late to any other card before. And it's their new process, which is about 4 months old, that kept me from making timely payments. I have the funds and have had it all along. They refuse to acknowledge that it was their new system 's fault and will not remove the negative info from my credit report. I find this very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX, Experian have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.
Product: Credit card

I signed up for a XXXX XXXX through Chase primarily for the advertised benefit of {$100.00} off of airfare booked for XXXX people. Once I had the card and actually tried to use the benefit, I found that you can only book airfare which is more expensive than the best price offered by the airline, or a travel site, completely negating the advertised benefit, if not actually making the " discount '' price more expensive. They are advertising a false benefit for this product.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; EQUIFAX ; XXXX ; did not remove accounts that are 7 years and older ; give me back points I lost as a result of the derogatory information being reported on my credit reports ; changing the dates to ensure the items last longer than what is required by law on my credit reports. Missing payment history not reflecting and showing anything at all regarding on-time payments, etc is very shady and sketchy. No current information reflecting and showing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past Friday I was " turned down '' for a NEW car loan based upon some inaccurate information on my " TransUnion '' credit file. I contacted " TransUnion '' yesterday in an attempt to get my " FREE '' annual " TransUnion '' credit report and I was told by a female " TransUnion '' that I had to pay $ XXXX for a copy of my " TransUnion '' credit report!!!
Product: Credit reporting

I discovered that someone had opened XXXX Chase credit accounts without my knowledge or consent. I 've reached out to Chase, provided them proof in the form of ID theft affidavit, and asked them to provide me with whatever proof they have in claiming the a account is mine, but they refuse to do so. I 'm attaching my last correspondence with them.
Product: Debt collection

To Whom It May Concern, I am writing to report a serious issue of harassment by a company named UPGRADE INC, XXXX XXXX XXXX, and XXXX TECHNOLOGIES. I have been a victim of identity theft, ( starting in XXXX of XXXX ) during which bank accounts, loans, and credit cards were fraudulently opened in my name without my knowledge. Upon discovering these unauthorized activities, I immediately reported the matter to the police and contacted all the relevant companies where these accounts were opened. All of the companies, except for UPGRADE, promptly closed the fraudulent accounts. I have videos, witness, harassing calls and text messages from a stalker who also broke into my apartment and damaged my property, including my computer from where he must have accessed my data. The delinquents changed my business email address, my email, they also wrote false checks, overdraft that account, I have close to XXXX inches of paperwork from all of the crazy stuff they did. I never eat at XXXX, someone was still asking for loans late XXXX... they made a telenovela drama size of all of this. They opened a savings account too, and applied to several credit card companies. 

Despite my repeated efforts over several months to resolve this matter with UPGRADE, they have refused to close the account in question. They have failed to provide any proof of making a deposit to any of my accounts or any relevant records. I have communicated extensively with UPGRADE and their affiliates, providing all necessary documentation, including police reports. However, UPGRADE continues to delay the resolution and seems intent on damaging my reputation. 

I request your urgent attention and intervention in this matter to ensure that this fraudulent account is closed and my name is cleared of any wrongdoing. XXXX is not acting in my best interest or is colluding with fraudulent creditors Thank you for your assistance
Product: Checking or savings account

XX/XX/2021 Received a notification about a wire transaction that was taking place which I did not authorize. I immediately tried to log into my account and was locked out. I called Wells Fargo to tell them about what was going on and that I did not authorize two wire transactions for a XXXX. They opened another account for me and I filed a complaint for the two wire transactions and was told it would take up to 10 business days to be resolved. 
XX/XX/2021 I checked my new account and saw that the funds for one of the transactions had been taken out of my new account. Called Wells Fargo and filed another complaint and again was told it would take up to 10 business days to be resolved.

2 weeks later I called back to find out that they had denied one of the claims saying it was not fraud. The two wire transactions were for the same account and they denied the one saying they could not detect fraud. I asked for them to to reopen the case or if I could speak to someone that could help me resolve this issue. I was told that a supervisor of some sort would be contacting me within 2 business days. No one ever called me.

( Wells Fargo records conversations )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). The result of the investigation mailed to me did not address my dispute. It completely avoided the issue. Please see attachment. This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, this is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. Moreover, the payment history from Equifax is not the same as the one from XXXX and XXXX. Please see the attachments. I am demanding a deletion of the account name : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous attempts have been made to correct my legal name with all 3 credit bureau 's. My legal name was incorrectly changed and used in a frauduent manner due to fraud. I was under the assumption that credit bureau 's were required to validate information before placing it on credit reports and profiles. 

My correct legal name is XXXX XXXX XXXX The incorrect name reflecting is XXXX XXXX XXXX XXXX I am providing my DL, SS card and recent utility bill, and a recent credit file received, to identify myself. 

Again, my legal and only name is XXXX XXXX XXXX. No other name ( s ) should appear.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> S.S.N XXXX I am contacting you about the compromising of my Social Security number. I am a victim of a data breach/identity theft. I contacted the federal trade commission and filed a FTC. Report number # XXXX Please block and remove all information from my credit report and send me an updated copy of the credit report. My situation has been heart breaking and a burden. I have tried to report this to credit karma stating it being incorrect and I get no results. I have been declined for buying my first house. And Im asking for your help. 

Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within XXXX business days of receiving the complaint. 

1. Definition of character 2. Neglect enhancement of identity fraud 3. Violation under 15 U.S code 1681o 4. Violation under 15 U.S 1681n ( b ) 5. Violation of the federal credit reporting act 6. Failure to comply with 15 USC 1692 ( g ) 7. Violation under code 15 U.S Code 1681b permissible purpose of consumer reports. 
8. Violation under 15 USC 1681 a ( 4 ) right to privacy 9. Violation under 15 U.S code 1681c requirements relating to consumer reports Account name : US DEBT. OF EDUCATION Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX, XXXX Account XXXX : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : TEXAS ATTORNEY GENERAL OFFICE Account number XXXX # XXXX These accounts have violated my right. 
Please remove all negative accounts in XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED
Product: Money transfer, virtual currency, or money service

On XX/XX/20 it has been brought to my attention that my investment account with XXXX was unable to be linked with my bank acct at PNC due to changes PNC has made. This impedes my ability to save and invest money accordingly.
Product: Mortgage

I am writing this complaint to the CFPB in correspondence to MR. COOPER MORTGAGE 'S response to my initial CFPB XXXX XXXX XXXXXXXX regarding their remark about the investigation of the accuracy of the account be reported to the consumer reporting agencies. Upon review of my consumer reports reported by all XXXX major consumer reporting agencies, I noticed that the very same inaccurate account that was stated to be accurate in correspondence with the CFPB that was disputed with MR. COOPER, as it stands, remains inaccurate and incomplete. This company is in violation of the Fair Credit Reporting Act per XXXX XXXX XXXX ( i ) ( ii ). MR. COOPER stated the account in question reported accurately in its correspondence to CFPB XXXX XXXX. How exactly did they verify this account to be XXXX percent accurate? They have failed to correct the inaccurate information I have put them on notice about. They stated the account was accurately reporting to the consumer reporting agencies when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, 2021-EQUIFAX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -XXXX  XXXX
Product: Checking or savings account

Hello, my name is XXXX. Lately Ive been having trouble opening and account with certain banks due to my chase account being closed down. My account was closed down due to fraudulent activity that I wasnt aware of.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). 
On XX/XX/XXXX, I reviewed my credit report and noted the following unresolved issue related to an account from XXXXXXXX XXXX XXXX  : Comments in the Report : " Account Previously in Dispute Now Resolved by Data Furnisher '' " Account Closed by XXXX XXXX '' Credit Card These comments fail to address the inaccuracies I previously disputed. Equifaxs reliance on the data furnishers response, without providing supporting documentation or conducting a thorough reinvestigation, is unacceptable.

The following discrepancies remain unresolved in the account : Date Opened : Inconsistent dates. XXXX reports XXXXXX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXXXXXX 
High Credit Amount : Discrepancies in the high credit amount. XXXX and XXXX report {$2600.00}, while Equifax reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. XXXX and XXXX report {$2500.00}, while Equifax reports {$0.00}. 
Payment Status : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXXXXXX while XXXX and Equifax report XX/XX/XXXXXXXX 
Date of Last Payment : Variation in reported dates. XXXX and XXXX report XX/XX/XXXXXXXX while Equifax shows XX/XX/XXXX. 
Equifax directed me to contact XXXX XXXX XXXX  at : XXXX XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX. 
This is an evasion of Equifaxs responsibility under the FCRA, as the burden of proof lies with the credit reporting agency and the data furnisher, not the consumer.

To further document this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under FTC Report Number 180446438.

Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and creating undue stress. Equifaxs failure to comply with its obligations under the FCRA undermines my ability to access financial products and manage my finances effectively.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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 called to report several unauthorized inquiries that are on my report from companies I have not applied to for any type of credit and I asked that they be removed and I asked for a fraud alert on my report which they refused to place because I believe these inquiries are a result of fraud. The inquiries are   XXXX   XXXX   (  XXXX  of them ),  XXXX  Bank  XXXX   XXXX  of them ),   XXXX   XXXX   (  XXXX  of them ),  XXXX   XXXX  Bank,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX  -  XXXX   XXXX   XXXX , and  XXXX  Bank (  XXXX  of them ). That is a total of   XXXX   unauthorized inquiries and I adked that a fraud alert be placed on my report and they have refused to remove the inquiries and place the fraud alert
Product: Credit reporting or other personal consumer reports

15 U.S. code 1681c-2 A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error. I HAVE ATTACHED MY FTC REPORT # TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX FTC REPORT # XXXX
Product: Credit card or prepaid card

During the months of XXXX to XX/XX/XXXX there were fraudulent charges on my account. My XXXX card caught the change in charges, but Citi did not. I had an average of $ XXXX {$300.00} per month on the card. In XXXX of XXXX there was nearly {$2000.00} in charges. Over the next two months the charges came up to over {$6000.00}. At no time did Citi question any of these actions. I am an old woman and trusted the company that I had been with since XXXX to look out for these types of things. I have been attempting to work with Citi on this since XXXX of XXXX when we started getting things organized. I have trouble doing these types of things so I had my daughter come in from out of town to help. We called Citi and spoke with someone in XX/XX/XXXX. We finally had copies of all the statements and went through everything we knew were fraudulent charges. The person we were speaking with did not speak good English, so we requested an email to send the document in to. This was done in XX/XX/XXXX. For the next several months we went round and round with Citi, they claiming they never received it, then they found it, but they have to send it to another department, then that department doesn't know anything. We were finally able to speak with someone who spoke English and went over each charge individually over the phone. The charges were removed, but not the interest that had accrued on those charges. I had been making the minimum payment still on this card through XXXX of XXXX. 

I sent a certified letter with copies of the original email I send, a letter outlining everything, as well as copied of the statements. This was done on XX/XX/XXXX. We have not gotten confirmation that they received it nor received any communication beyond telling me they're going to file this as non-payment on my credit report. We have requested to them that they only communicate via mail or email as each person we talk to knows nothing as apparently no one puts notes on anything at all. 

They also kept questioning on the reasoning of " taking so long to report this ''. I have been working on reporting this since XXXX of XXXX, with more effort being able to be made in XXXX of XXXX thanks to my daughter.