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

I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal employees stole all of my info and I went to Experian today to get it noted on my account. They said I had to pay {$20.00} a month to get my account flagged and monitored for identity theft. That's illegal.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XXXX XXXXXXXX  I overpaid my bank of america credit card {$20000.00}. I meant to apply to my home loan and not my credit card. I have called them over 20 times and they tell me the checks in the mail, transferred to another account or on hold. They refuse to provide contact info other than customer service general number, they refuse to send me any records but tell me it's in process. I need help and they can not provide any details other than wait 3 days, it will be there next week, now they are saying it will take an additional 30 days.
Product: Checking or savings account

I have my checking account with Bank of America.     I have a payday app on my phone called  XXXX . I use this app when I need more money.      XXXX  on my phone has to basically dial in to my checking account and pull banking information such as direct deposit, ACH of funds and Current Balances.      XXXX  has repeatedly has had instances where it can not pull current information form Bank of America to function properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached disputes indicating several incorrect addresses are appearing on my Equifax report have been sent to Equifax via U.S. mail. Both times, I was never notified of any investigation results from Equifax. It would appear in both instances that Equifax has REFUSED to rectify the incorrectly reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Credit card

Bank of America canceled my recurring payment without authorization, and charged me a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I tried transferring a prepaid coupon gift card issued to me by Amazon.com to my Amazon Prime.com Card Store Card Account. amazon states they they can not do that and I would have to deal directly with the bank that services their Amazon Prime Store card accounts.

Amazon Prime Store card account is serviced by SYNCHRONY BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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
Product: Checking or savings account

I have a SunTrust checking that has a pending garnishment from XXXX XXXX on XX/XX/2019. At that time I didn't have any access to my account online and I was not receiving any statements in the mail. I went to one of the local branches and spoke to one of the Account Managers concerning my accounts. At that time she said there was no pending fees, and if I any other concerns please stop by any time. My mind concerns at this present moment, I received a letter from the bank stating that I owe them {$110.00}. Where are these fees coming from. I have know knowledge of this unlawful activity.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX Attorney XXXX XXXX rep XXXX XXXX called my place of employment and spoke to my Supervisor XXXX XXXX XXXX  she was verbally abusive and rude, when I picked up the office phone she had already hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my Experian XXXX XXXX corrected. All other credit bureau show XXXX XXXX, while Experian is showing XXXX  -This is stopping me from getting a loan for my business. 

I spoke to Experian and they said they can't do anything.
Product: Debt collection

I wa notified via mail that I had a payment due on an account. I did not request any products or services from this company. I contacted their fraud department and filled out their fraud affidavit as well as filed a police report. I forwarded all of this information to the company. USPS certified mail indicates that the company received this information on XXXX XXXX, 2017. There has been no further action from this company since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I notified Equifax by U.S. Postal Certified mail that I'm a victim of identity theft and as a result I would like for this Equifax credit bureau to immediately remove, delete or block a long list of unauthorized credit inquiries from my credit file. 

Unfortunately, for almost 2 months and as of this present date, I have not received a written response from Equifax. 

However, after I contacted Equifax twice by phone during this month of XX/XX/XXXX, Equifax has still refused to provide me with their written status or results of my written dispute. 

As I am clearly a victim of identity theft and a victim of the Equifax Data Breach of XX/XX/XXXX, I plan to hold Equifax and all unauthorized creditors liable by filing a huge lawsuit against them, especially since there were no permissible purpose under which these fraudulent credit inquiries were made.
Product: Credit card or prepaid card

I had got denied for a credit card from  capital one
Product: Credit card or prepaid card

I have encountered what looks like a deceptive practice in how TD Bank runs a 0 % promotional interest rate for new purchases. The statement does not include info about the promotional rate or indicate when the rate actually ends. My request to TD bank for this information did not produce a full answer, and I ended up being charged some interest I was not expecting to be charged. The statements include an " IMPORTANT MESSAGE '' at the bottom of the first page, but it refers to a section of the payment information block that doesn't exist. All in all, I think this is rather deceptive. I wound up being charged {$51.00} in interest that I think was not properly charged.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instruction.15 USC 1666B : states a creditor May not treat a payment on a credit card or loan payment account under a open end consumer credit plan for any purpose.
Product: Checking or savings account

Multiple times during XXXX transactions were allowed for over the amount that I had in my account which resulted in overdraft fees. I paid {$35.00} a fee and was only allowed one fee waived per year. I work construction and work was very slow for me during Covid pandemic so my finances were upside down and they took advantage of me.
Product: Debt collection

On XX/XX/XXXX I informed them that I'm filing for bankruptcy and even gave them my lawyer info and she got rude with me and said she's still going to be calling me. Yesterday she called me four times in one day after asking them to stop. She them proceeded to have someone else from a different branch reach out to me as well and I asked her to stop calling me too. This week they've called me over seven times. I have health issues that caused me to fall behind as well as my husband becoming XXXX XXXX  Please stop calling me.
Product: Checking or savings account

I recently received a total of XXXX online savings account statements ( all different account numbers ) for the month of XX/XX/year>. The statements have my former maiden name listed on them with my current address. I never have done business with this company and did not open an online savings account with them especially in a name that is no longer used since I have been married for over 10 years. This is very alarming and suspicious as to how an account could be opened without properly verifying the individual 's information.
Product: Debt collection

I attempted to rent an apartment and was denied. Why? I went to check my credit report and to my surprise, I have XXXX XXXX XXXX, Advanced Collections Bureau, XXXX XXXX XXXX and XXXX XXXX XXXX all have negative information to all the credit reporting agencies- XXXX, XXXX and XXXX. I wrote all of them letters demanding validation and proof of claim in accordance with Fair Debt Collection Practice Act, 15 USC 1692 and the Fair Credit Billing Act 15 USC 1666 et seq. You see I do not know or have any contract with any one of these collection agencies and never gave any of them written permission to report any information to the credit reporting agencies. This has violated me under 15 USC 1681 b ( 2 ). By doing this, they have committed identity theft under 18 USC 1028a. None of these agencies was able to provide proof and has ignored my request. Nothing was removed from my credit report. These agencies has caused damages to my mental and physical health. Letters were sent out to all of these companies on XX/XX/2023 and nothing was done. I continue to get denied when I apply for credit or rent an apartment. XXXX XXXX XXXX, Advanced Collectons Bureau, XXXX XXXX XXXX and XXXX XXXX XXXX has ruined my life.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my card was used at XXXX for {$70.00} they declined it and then it was approved at XXXX at night so the items in question that we're getting paid for paid for twice I submitted my claim and they denied it. Next transaction was made for {$47.00} at XXXX XXXX XXXX the next one was the XXXX also it was for {$110.00} that was to XXXX XXXX XXXX XXXX. The next one is for XXXX for {$86.00} the next one 's for XXXX on the XXXX in XXXX for. {$54.00} XXXX cents. 
Final transaction was for {$93.00} even to XXXX XXXX on the XXXX of XXXX I reported my card stolen I tried to lock my card during the process of this time but cash offers experience you know technical difficulty outage and that's not what I'm blaming it on I'm blaming it on the whole fact that some took my card and they denied my claim. 
I also filed a XXXX report.
Product: Checking or savings account

I logged into my Discover account and found four fraudulent withdrawals- one ACH and three checks- totaling {$110000.00}. The ACH was for {$9900.00} to XXXX XXXX XXXX. The three checks were written from XXXX & XXXX XXXX to three different people and all were cashed at the Discover location in Delaware. Check amounts were {$29000.00}, {$49000.00}, and {$29000.00}. Despite the large amount these checks were written for, and the fact that my name was not on the checks and a company I have no association with was, no one from Discover contacted me for approval before cashing these checks. 

Now that I have reported this to Discover and been given a new account number, I can no longer access the copies of the checks in order to file a police report.
Product: Credit reporting or other personal consumer reports

I have identified items on my credit report that do not belong to me and were not completed by me. The identity theft accounts are as follows : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2023, at about XXXX, I used PayPal to transfer money to two separate email addresses. The money was to be used to purchase 3 tickets to the XX/XX/XXXX XXXX football game. The money was sent using the 'friends and family ' option. I found the seller via XXXX and communicated with them via messenger. As soon as I sent the money I was no longer able to use messenger to send them messages. I, obviously, was too trusting. I never received the tickets.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My account was overdrawn they cash something that wasnt mine
Product: Checking or savings account

A account with Bank of America was opened in my name. I called Bank of America and closed account
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC for failing to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ) regarding multiple disputed items on my credit report. Despite submitting a detailed dispute letter on XX/XX/XXXX and XX/XX/XXXX Equifax has not corrected or removed outdated, inaccurate, or unverifiable information. These errors have caused harm to my credit profile, and XXXX inaction violates the FCRAs requirements for accuracy, transparency, and verifiability. 

Disputed Items Bankruptcy Filing ( Case # XXXX ) : -Equifax XXXX reporting a public record bankruptcy with insufficient verification. 
-I requested Equifax disclose the source of this information and whether it was obtained directly from the court or through a third-party provider, as required under FCRA 609 ( e ).

-Equifax has not provided this information or demonstrated that the record is accurate and directly associated with me. 

XXXX Bank XXXX ( Account # : XXXX ) : This account is reported as negative due to its inclusion in my alleged bankruptcy. 
No updates or verifications have been provided since XX/XX/XXXX, rendering the information outdated and unverifiable under FCRA XXXX ( a ) ( XXXX ). 

XXXX XXXX ( Account # : XXXX ) : Similarly listed as negative due to its alleged inclusion in the bankruptcy. 
Equifax has not updated or verified this accounts accuracy, making it unverifiable and in violation of FCRA standards. 

Closed Accounts ( XXXX XXXX XXXX, and XXXX XXXX ) : These accounts are listed as Closed by XXXX XXXX. 
If this information is inaccurate ( e.g., the closures were initiated by me ), I requested Equifax correct the remarks to Closed by Consumer under FCRA 1681e ( b ). 
Equifax has not verified or corrected these accounts. 

XXXX XXXX Failure to Verify Information : -Equifax has not provided evidence verifying the disputed items, including sources, investigation procedures, or proof of accuracy.

Failure to Remove Unverifiable Items : -Under FCRA 611 ( a ) ( 5 ), Equifax is required to delete information that can not be verified.

The accounts listed above, along with the bankruptcy, remain on my report despite lacking sufficient evidence. 

Failure to Maintain XXXX XXXX : -Equifaxs continued reporting of outdated and inaccurate information violates FCRA 1681e ( b ), which requires credit reporting agencies to ensure the maximum accuracy of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX per Comenity Bank letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries still reported on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.
Product: Debt collection

XX/XX/XXXX i noticed a collection on my credit that is not mine. I sent many disputes to all 3 credit bureaus disputing the fraudulent account with no success. So in XX/XX/XXXX I sent a certified letter to Convergent Outsourcing with a copy of an FTC Fraud affidavit. I got no response from them. Again in XX/XX/XXXX i sent another certified letter, again no response. This company is violating 15 USC 1681 FCRA. They are reporting an account that they are fully aware is Fraudulent. IF this is not removed my next step is to sue them in Federal court. Certified mailing numbers via USPS are # XXXX XXXX XXXX XXXX XXXX and # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 XXXX
Product: Debt collection

JONHNSON MARK LLC., ET., AL., ETC., IS IN VIOLATION OF 15 U.S. CODE 1681 ET., SEQ. : SECTION 603 THRU 629 ET., AL., I AM AGREIVED AND DAMAGED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand the inquires remain on ones credit file for 2 yrs, only if the inquires infact belongs to the consumer. However, in this case I have absolutely any knowledge of the following assumed fraudulent inquiries and demanding that they be removed expeditedly. The inquires are, 1 ) XXXX XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX 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