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

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Identity Theft Request to Block Fraudulent Information and Update Personal Details Complainant Information : Full Legal Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX FTC Identity Theft Report Number : XXXX Law Enforcement Report : XXXX Complaint Details : I am filing this complaint to report identity theft and the failure of the credit reporting agencies to remove fraudulent information from my credit report. I have been unable to access my credit profile, and unauthorized accounts have been opened in my name. Despite multiple attempts to correct my personal information and request fraud alerts, the credit bureaus and data furnishers have not complied with federal regulations. 

Issues Reported : Failure to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2, I submitted a request to block fraudulent accounts, yet they remain on my credit report. 
My identity was compromised due to multiple data breaches, and fraudulent accounts were opened without my consent. 
Failure to Provide Method of Verification As per 15 U.S.C. 1681i ( a ) ( 6 ), I requested the method of verification for disputed accounts, but no response was provided. 
The credit bureaus have failed to verify the accuracy of disputed information. 
Failure to Update Personal Information Full Legal Name : My legal name should be listed as XXXX XXXX only. 
Address : Only my current address ( XXXX XXXX XXXX, XXXX, GA XXXX ) should be listed ; all outdated addresses must be removed. 
Phone Numbers : All phone numbers listed must be removed as they are outdated. 
Social Security Number & Date of Birth : My SSN and DOB should not be displayed on my credit report. 
Employer Information : All employer details should be removed as they are inaccurate. 
Failure to Safeguard Personal Data I was a victim of the Equifax ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) data breaches, which compromised my personal information. 
The credit bureaus failed to take proper steps to protect my data in violation of 15 U.S.C. 1681b ( g ).

Failure of Data Furnishers to Ensure Accuracy Under 15 U.S.C. 1681s-2, data furnishers are required to report only accurate information, yet fraudulent and incorrect data remain on my credit file.
Product: Checking or savings account

Creditor XXXX XXXX XXXX XXXX XXXX  ) and I have been in contact regarding an outstanding balance that is tied to me as a personal guarantor. I was in communication with creditor to schedule a payment arrangement that was in line with my direct deposit schedule. I communicated I was not able to maintain a weekly deposit- I could maintain biweekly. They were not willing to work with me even thought I confirmed I can maintain that schedule in good faith with intent to pay. I did not receive further communication. 

The previous agreement was a weekly schedule - First deposit of {$250.00}, second deposit of {$1000.00}, third deposit of {$280.00}, and a weekly schedule of {$300.00} withdrawn every Thursday until balance of {$6800.00} has been cleared. I I checked my bank account ( USAA ) yesterday and saw USAA allowed for the creditor to freeze my account. I called to USAA ( representatives were XXXX and XXXX ) to confirm what communication had take place with me as the customer and they claimed a letter was sent XX/XX/XXXX by mail. They have been in communication with the creditor since XX/XX/year> and did not offer notify other than a notice uploaded into my customer account on XX/XX/year>.
Product: Debt collection

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, XXXX XXXX XXXX block information appearing on my credit report that is the result of identity theft and fraud.

Details of Fraudulent Activity : The fraudulent information includes : An auto loan account opened at XXXX XXXX XXXX on XX/XX/year> under account number XXXX Attached Documentation : I have attached a list of the hard inquiries in question. 
I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case NumberXXXX A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Checking or savings account

My current debit card that ended in XXXX was set up to be cancelled, on XX/XX/XXXX, I received a email from Bank of America on XX/XX/XXXX, that a visa undisclosed merchant reported that my card had been compromised, I was told on the phone on XX/XX/XXXX that it was a precautionary measure, yet over the period of that time until the XXXX yesterday, purchases and charges were being proceeded to ny balance, I spoke with them again on Saturday after a {$49.00} from XXXX on XX/XX/XXXX, and XXXX most recently hit my account, after I had put a stop payment on the XXXX of XXXX, I was told that after they put stop payment, and await for all of these to post, then I must call them back to get it disputed during business week ... so I now have a few hundred dollars so far in charges to my account, along with changing my new card to merchants I do authorize yesterday, I was charged by these merchants fees due to late change of debit card info, I am out XXXX dollars in add charges, and when I call bank of america its a minimum wait of at least 58 minutes, and each time I was on phone for over 2 hours waiting to complain about this ongoing problem, which they were aware of to begin with, I'm disgusted ... THEY WERE FULLY AWARE AS OFXX/XX/XXXXXX/XX/XXXXTHAT THERE WAS A PROBLEM, YET MAILED NEW VARD REGULAR MAIL, WHICH I JUST RECEIVED ON XX/XX/XXXX VIA POSTAL MAIL FIRST CLASS
Product: Credit reporting or other personal consumer reports

This is my refilling and requesting for the reinvestigation to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I try to call XXXX XXXX  at XXXX and they never pick up the phone. It just rings and rings and then I am listening to HOLD MUSIC for over an hour, each time I call. I think they fired all workers and no one is left to answer the telephone. I keep making my car payment and they keep accusing me of paying it late but that is a lie. I pay it on time but XXXX XXXX  is filing FALSE INFORMATION on my Experian report. They don't answer the phone or even put on a Supervisor when you ask if you get someone after 45 minutes in XXXX or XXXX. I am paying them in American $ dollars I should be getting American 's on the phone. How secure is my data if somoen in the XXXX is looking at it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for the CRA 's to remove the negative accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number. 

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing your company today to inform them of the violation of my rights under the laws put in place by congress to protect the consumer. Your company is in direct violation of the Fair Credit reporting act. Section 603 ( 2 ) states the exclusions of the things that should not be reporting on a credit report. A consumer report does not include the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. Not only that, but it is also a defamation of character reporting this information on my consumer report which pertains to a violation under the FDCPA. My lawyer has told me that these violations are subject to litigation and payment of up to {$1000.00} for each violation. This information comes directly from the 15 USC 1681 so understand if you disregard this information, you are in direct violation of Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : Collections XXXX XXXX XXXX XXXXXXXX Account No XXXX XXXX. Amount Owed {$150.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX, I had been out of work and struggling to pay rent and other bills. I contacted this company via email I honestly thought it was a regular loan. I am very distraught the amount was XXXX dollars. I am afraid they may garnish my pay or take me to court. There have been alot of complaints about this comany amplify funding in wisconsin, I am so afraid of what may happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received my credit reports from Equifax and XXXX that showed unauthorized credit inquiries from XXXX XXXX XXXX XXXX And 2 inquiries from XXXX XXXX. 

It is unlawful to furnish information without my consent and also provide inaccurate information on my credit reports. 

15 U.S. Code 1679c- Please remove and permanently delete these inquiries that were made.
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 information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the following fraudulent items from my Credit File : XXXX XXXX XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The debt collector called me at my place of employment. I notifyed them I can not take such calls at work and provided a cell phone number. I called back on my cell phone and notifyed them that there is no debt to be paid because the medical bills were paid by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently in federal litigation with XXXX XXXX XXXX. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.
Product: Credit reporting or other personal consumer reports

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 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 instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them and no response from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I just obtained my free credit report and saw some inquiries I have no knowledge neither did I authorize these hard inquiries that have been made on my credit report. They don't relate to anything I've did. I'm worried these inquiries will affect my chances of getting a home. Please remove these unauthorized inquiries from my credit report ASAP under 15 U.S. Code 1681c-2. Unauthorized Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I always pay my payment early and 3 times Ally posted my payment to principal instead of my monthly payment. I dont know this happens until I get a collection call. I always make my payment through their portal and I always make sure the appropriate things are checked to make a 1 time payment. I address this with Ally but was told it was my error. Because of the payments being applied late I was then charged more interest that is not fair to me.I request a complete accounting of my account and I dont believe that happened. The payment I was trying to make for XXXX I posted the payment in the portal and I noticed today on XX/XX/XXXX the payment hasnt cleared the bank. I logged onto Ally portal and it directed me to another portal and I saw my payment date was changed to XX/XX/XXXX. I canceled the payment for XX/XX/XXXX and tried to schedule one for today XX/XX/XXXX. The portal would not let me told me to call their customer service. I called the customer service department the first representative I got she just kept repeating please review your scoping and call back. I asked what do I have to review she wouldnt give me an XXXX call on XX/XX/XXXX I wanted to confirm the payment from XX/XX/XXXX was canceled per the agent the payment was showing canceled in the portal but still pending for XX/XX/XXXX in Ally system so if I would not have called I would have made a double payment this month because their portal is not doing what it should and canceling payments when you request.I asked this agent to cancel the payment and if she could take my payment for today since the portal is not working. She advised she would have to transfer me and I would get charged a fee to make a payment. So Ally portal and website was not working to make a payment, so Ally answer is to send customers to a 3rd party to be charged to make a payment.
Product: Credit reporting or other personal consumer reports

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 : Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.