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

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that are placed with my consent which is in violation of the law. FTC Report is attached. I need it be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to correct the inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX Balance Owed : {$540.00}, XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to submit complaints to XXXX for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, 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 TransUnion 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. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 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 XXXX XXXXXXXX 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: Checking or savings account

It is about the creation of unauthorized online account with my name. 
On XX/XX/XXXX, I received a message from Wells Fargo, where it is stated " your online banking information needs to be verified '' Then, Wells Fargo indicated me " they noticed a suspicious activity in " my account ''. 
On XX/XX/XXXX, another Wells Fargo message indicates " your online access has been temporarily suspended '' I confirm I have no online accounts with Wells Fargo. I have never opened it. 

We, my husband and I used to have our mortgage with them, but we paid it off on XX/XX/XXXX. 

We hope, we are free of scandals involving fake accounts erupted on XX/XX/XXXX. I have not tried to reach them until I get a response from you about the best way to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a letter back from Experian stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and Experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX ( XXXX  ), XXXX. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXX stating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.
Product: Credit reporting or other personal consumer reports

i have just discovered that i am a victim of identity theft and i have supporting documents to support my claim on these fraudlent accounts, someone has used my personal information to obtain goods and services using my personal information. i have no knowledge of these accounts nor have i opened any of these fraudlent accounts.
Product: Checking or savings account

On XXXX XX/XX/year>, my Capital One debit card was hacked ( or frauded ) and someone used my debit card to make purchases during the evening in the amount of {$210.00} ( XXXX ) and {$230.00} ( tick pick ). Capital One states to me that they completed their investigation that I opened the dispute on XXXX XX/XX/year>, and they declined my dispute, meaning they will go into my bank account on XXXX XX/XX/year> and take back the money that they temporarily credited me with while the investigation ensued. Capital One tells me the charges are valid, and they are as I received emails stating that an XXXX XXXX purchased tickets. But, the ticket purchases were not done by me ; only with my debit card. At the time of the incident, I was purchasing ice cream in XXXX, NY for my family, so it was impossible for me to purchase these tickets. I want to keep my own hard-earned money, but Capital One is threatening me to take back the money. This needs to stop!
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiry as per the FCRA 605B, these informations must be removed until the investigation is over. I want these to be investigated and be removed as soon as possible because these inquiries does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Lowe 's consumer credit card on XX/XX/2019. I received a letter of denial for the reason of " number of recent credit requests ''. I am filing a complaint not on the denial of the credit card application but that my credit was pulled twice on XX/XX/2019 and XX/XX/2019. I have attached a copy of the credit report showing that Synchrony Bank/Lowes pulled my credit twice on separate days. 

Complaint against Synchrony Bank XXXX. XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has once again added more inquiries without my knowledge. I did not consent to, authorize nor benefit from either of the following inquiries in which many third party companies have made several inquiries. PLEASE REMOVE ALL HARD INQURIIES AND OTHER TYPE OF INQUIRIES ARE TO BE REMOVED. block and remove them. I've tried to speak to them over the phone as well as certified mail a letter with my credentials. Still nothing has been removed. Please remove all Hard inquiries from my credit report and fine TransUnion for appropriate violations.
Product: Mortgage

I am writing to file a formal complaint against Selene Finance regarding their mishandling of our mortgage account and their failure to provide reasonable options for us to retain our homestead property. Their actions have caused significant distress and jeopardized our ability to keep our home. 

Prior to Selene Finance servicing our loan, the previous servicer, XXXX XXXX XXXXXXXX, had offered us a trial plan that was both feasible and agreed upon. However, upon the transfer of servicing rights to Selene Finance, they failed to honor the existing trial plan. Instead, we were compelled to apply for a loan modification, which was subsequently denied on two separate occasions.

Furthermore : 1. No Response to Extension Requests : We sent multiple written requests to Selene Finance seeking an extension of the auction sale date. These requests went unanswered, leaving us without recourse or clarity on our situation.

2. Unreasonable Demands : When we contacted Selene Finance by phone, we were told that the only way to retain our home was to pay the full outstanding debt of {$85000.00} upfront, an amount we simply can not afford at this time. No alternative options or relief programs were provided, despite this being our primary residence and homestead. 



This lack of communication and refusal to provide alternative solutions violates principles of good faith and fair dealing, as well as potential regulations outlined by the Consumer Financial Protection Bureau ( CFPB ) regarding mortgage servicing practices. 

Given the impending auction sale date of XX/XX/year>, we urgently request the following actions : 1. An immediate postponement of the auction sale to allow for further discussions and review of alternative solutions.

2. A thorough investigation into Selene Finances failure to respond to our extension requests and their refusal to honor prior agreements made by the original servicer.

3. Assistance in identifying feasible alternatives, such as reinstating the trial plan, offering a reasonable repayment plan, or providing a new loan modification option.

We believe Selene Finance has acted in bad faith and failed to comply with regulations that protect homeowners. This is a matter of grave concern, as it involves our family 's home and financial stability. 

We request immediate action to address this issue and look forward to your prompt response.
Product: Prepaid card

I never received my card but theyre denying my claim on the basis that the card was delivered to my home and activated. But how is it possible that my card was activated but I never received it? I tried to call the XXXX numerous times to order a new card a the phone line was always so busy to the point where Id never get through and eventually I gave up. I didnt even know my money had been spent until about a year ago when I attempted to order a new card through BOA directly. To find that there is no money on my account.. it has all been wiped out. So the representative told me my claim has once again been denied because I waited too long. How was I supposed to know Id have to make a claim because my money was stolen? I dont even know it was gone! So when I asked for ATM footage or some proof that I spent my money, they sent me a bank statement of all the purchases. OF COURSE THE MONEY WAS SPENT, ITS NO LONGER ON MY CARD. That is not proof! Ive sent it my ID so that a proper investigation can be done and still nothing. And this is too much money that has been stolen from me to let go. And I also came across an article that employees at BOA were apart of stealing peoples money which made perfect sense because I just couldnt understand how someone was able to steal my money without my information. I know it was an inside job and I want my money back! 
Claim # XXXX Claim # XXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error re olavon requirements und the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

No changes on my credit report and Bad Score, still getting hurt with negative and collections accounts on my 3 credit bureau and XXXX on denial credit base on my credit history that in the pass 11 years I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from report. 

I got identity theft in XXXX have filled a police report, FTC, FBI XXXX IRS. 
And again identity theft in XXXX Data Breach From the WA Department Of driver license and Motor Vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files. 

1. Credit Factor Accounts ( CH 13 ) 2. Credit Factor Accounts ( CH XXXX  3. XXXX {$1000.00}
Product: Payday loan

Receiving phone calls at work from NP Group XXXX. They will not give me information, just say I took a payday loan ( I did not ) that needs to be repaid by phone. Two calls so far. Other businesses in our area receiving the same call.
Product: Vehicle loan or lease

I opened an Lease with Chrysler Capital with my husband as the co-signer in XX/XX/XXXX. I paid for the least until XX/XX/XXXX when the lease /contract was bought off in it's entirety. My husband filed ( Himself alone ) for BK and Chrysler Capital removed the account history and payment from my credit report because the co-signer filed for BK protection. I called Chrysler Capital and ask them to please report the account back to my credit report as I have nothing to do with his financials or credit report. Chrysler Capital said that per their legal department ; they couldn't. I have tried to finance an new vehicle and has caused myself issues as my credit reports lacks the perfect payment history of car lease from Chrysler Capital. When I contacted them on XX/XX/XXXX. They told me the only thing they could do was to provide me an payment history in PDF. When received the pdf was blank.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress : for these violations.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report and see that the XXXX CREDIT BUREAUS don't care that Ive been a victim of identity theft. I found a lot of accounts and inquiries on my credit report that were not open by me. According to Equal Credit Opportunity Act, EXPERIAN ( XXXX ) and the other XXXX CREDIT AGENCIES harmed me for many years, barring me because of my ethnicity as an XXXX American born in our beloved U.S. The injustice hurts me to make a life for me, my daughter and fiancee credit, car, and a home, the American Dream. ( EXPERIAN also dropped my XXXX score of XXXX to around the XXXX with numerous of WRONG ADDRESSES, DO NOT USE THEIR APP OR CREATE AN ACCOUNT WITH THEM. ) Please remove the fraudulent accounts and inquiries from my credit report as fast as possible. According to FCRA Section 605B it is illegal to report information on my credit report without my permission, please remove these accounts, inquires, AND WRONG ADDRESSES from my credit report NOW. AND 15 USC 1681b. ( 2 ) PERMISSIBLE PURPOSE for ANY negative item including Child Support that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered identity theft and fraud...
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXX XXXX {$19000.00}
Product: Debt collection

Telerecovery was contacted by certified mail on XX/XX/2022 for a debt validation ( certified letter attached ). I requested the original contract bearing my signature & that I have a contractual obligation to pay Telerecovery, {$150.00}. Telerecovery has reported on my credit bureaus that the account is medical debt. Due to the fact that I have no contractual obligation to pay Telerecovery, Telerecovery should not be in receipt of my medical information. This is a clear violation of HIPPA.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX however, Equifax and XXXX have not removed this on my credit report. I have contacted the ( 2 ) bureaus to fix this issue, but I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, someone hacked into my XXXX account and made a purchase for {$220.00}. This purchase was paid for with a {$99.00} merchandise credit and {$120.00} billed to my card. Capital one immediately refunded me the {$120.00}. XXXX eventually credited me back {$110.00} in two separate amounts of {$57.00} which was the equivalent of the {$99.00} plus tax and shipping. Capital one rebilled these two credits to my account thinking they were owed to them as part of {$120.00} they had credited to me. I immediately contacted capital one to inform them that they were not correct and that this was a refund from the merchant for a previously returned merchandise. They asked for me to send documentation in XX/XX/XXXX which I did. I sent communication from the merchant to verify the validity of my refund. On XX/XX/XXXX, capital one did a transaction re-bill of the amounts {$57.00} x 2. They did not Notify me of this. I have contacted Capital One and have not been offered a refund of the error they are making.