23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681.c ( a ) ( 5 ) Section States : no consumer reporting agency may make consumer reporting containing any of the following items of information. Any other adverse item of information, others than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We have been transferred from Churchill Mortgage to XXXX XXXX, to XXXX XXXX. Every time this happens, we spend extensive time resetting everything up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit score. My credit score dropped by 37 points due to me canceling my XXXX card. I canceled my XXXX card because they had added an additional card to my account without my authorization. It wasn't present on my bills but they had charged me for annual fees for 2 yrs. It made me so enraged I canceled entire account. They did refund the fees after much discussion. BUT then I got the credit report and saw the impact on my credit score. 

Is there any recourse, what recommendations do you all have to move forward. The credit bureau was unable to tell me what is involved in their scoring that makes me more of a credit risk. I canceled due to the companies fraudulent actions, yet I am penalized on my credit score. I need to understand why and how that works, so 1 ) I know if there is anything that can be done now, 2 ) I want to know how to handle this situation in the future. What do you do if you feel wrong by a creditor but do not wish to take a negative result on your credit report. 

XXXX
Product: Mortgage

I have made additional payments to the principal amount and the Specialized Loan Servicing, based in Colorado, is refusing to apply the additional payments correctly. I have faxed my bank statements as required by SLS, but they have not only refused to correct the principal balance, but have not applied {$5000.00} in payments to the loan. Specialized Loan Servicing also will not send a payment history and the website for SLS does not allow the payment history to be printed from the website. My loan readjusts to a new interest rate in XXXX so it is critical that the loan principal balance be accurate prior to the interest rate adjustment so the new payment can be calculated correctly. Please help!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer XXXX : XX/XX/year> Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian 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 with account # XXXX and balance of {$2100.00} and {$860.00}, XXXX XXXX XXXX XXXX  with account # XXXX and balance of {$2500.00}, XXXX  XXXX with account # XXXX and balance of {$180.00}, XXXX  XXXX with account # XXXX and balance {$5100.00}, XXXX with account # XXXX, XXXX XXXX XXXX XXXX with account # XXXX and balance of {$1900.00}, XXXX XXXX with account XXXX XXXX with balance of {$720.00}, XXXX XXXX  with account # XXXX and balance of {$62.00}, XXXX  XXXX XXXX with account # XXXX and balance of {$1400.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit reporting Has never updated removed incorrect information.After much hassle I did get a letter with my credit score after complaint here with you.My score has not changed.I called and spoke on the phone with a gentlemen named XXXX who I could hardly understand.I was told my credit report is computer operated and there is no way to change that.i pointed out and asked about the hard Inquires that have dropped off a d the point system for that.he confirmed that is the point sytem.and the computer generates all reports there is no way to change it.i filed on XXXX and have had no responses.I asked why some information disappears and reappears.no answers.I called again spoke to a supervisor who said I have no credit history.i find that hard to believe since the whole reason I checked into my credit was i was notified that my information was hacked and frozen.I have been at this almost 3 years i belive.Done it all by myself.And it is worse then it was before.I am ready to pursue legal charges for all the headache, time, effort, calls, disputes, complaints, and research into this whole issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from Synchrony financial on XX/XX/2018 but I haven't applied for a credit card or a loan with this company. I already contact the credit bureaus and placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have previously been a XXXX XXXX XXXX XXXX in many ways such as my house being broken into and personal information such as drivers license stolen, data breaches, social security number found on the dark web ect. So as a result of that I have had to dispute inaccurate information from my credit file, however this information never gets disputed. I'm told by the XXXX that the creditor is reporting information that allows them still have it on my credit file but when i reach out to Capital One ( XXXX ) they say this debt is under another name but is under my social security number and they cant provide any other information because its not under my name. I have no idea what this debt is because it is not mine and i want it to be removed from my credit profiles asap. It is reporting negatively and reflecting poorly on my credit file doing detrimental to my future financial endeavors.
Product: Debt collection

On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

Santander Consumer USA, in the amount of {$10000.00}
Product: Debt collection

Ad astra for a payday loan company ... {$2100.00} I did not take out this loan. I have contacted the collections company filed a FTC report sent my bank fraud statement to the credit bureaus about this and still is not removed. This is identity theft affecting my credit report an all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title XXXX XXXX XXXX. 

Fact : Section 18 usc 241 : makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States or because of his or her having exercised such a right.

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application was used as a bill of exchange to fund the account as collateral! 

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank. 

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act
Product: Payday loan, title loan, personal loan, or advance loan

My account was withdrawn from. Without my consent, there was a cash advance that was executed. But it wasnt done with any of my routing or my account number. And the account wasnt linked with the company anymore for my own reasons and financial choice. The associated debit card was frozen as well but somehow it was still processed. Theres no way possible for the account to bel linked to the company unless provided by me. And I didnt authorize it or perform a liking of my account and the company. The debit card was frozen and still somehow is able to perform debited transactions. Also the loan isnt due back until a later date this month. Not on this day of the withdrawal or the debited date. If account not linked how is a payment made? If the debit card is frozen how has it processed a transaction? 
This is unauthorized access and account hacking and or actions performed to allow these transactions to take place without my consent has to be an action that Im is illegal or not acceptable by NCUA.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasion I have submitted disputes asking Transunion to correct the incorrect information they have listed on my credit report and to no avail they have refused to correct the information or investigate correctly!! I have contacted the creditor and they have sent me documentation that the account XXXX for the amount of {$72.00} has been paid in full! I have called I have sent documentation and they still will not correct the information Please assist in Transunion correcting this information as it is tanking my score lower and lower causing my financial stress!
Product: Checking or savings account

XX/XX/2021 XXXX pm XXXX XXXX from a car accident. Card in physical possession. Boyfriend and roommate can verify. 

Multiple steak dinners in different states attempted to charge my account. I caught it immediately and moved funds. 

First charge : XXXX XXXX {$230.00} Second charge : XXXX $ XXXX lack of funds as I moved the money out of that account asap. 

I called the police, Chime, and XXXX XXXX. XXXX XXXX investigated for me. They admitted that some man that looked suspicious picked up an online order for this amount. Chime has avoided this issues. Every time I call chime it sounds like the same vocoder person. 

I have emailed them every day. No resolution just annoying delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. NET CREDIT - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX*** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX*** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX TRUST on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXXn XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Student loan

Navient has not ceased their collection efforts, despite me requesting to effectively show me how is it I owed them, where I never took out loans with " Navient '' in the first place.
Product: Checking or savings account

On XX/XX/2023 a fraudulent non-verified wire transaction of {>= $1,000,000} was allowed to be taken out of our business account. We were told that a recall was approved on XX/XX/2023 for our monies to be refunded into our business account. We asked for documents showing the fraudulent wire transaction that was allowed and, for a letter stating what happened for our records. To date, we have not received the recalled funds of {$190000.00} or any documents or paperwork stating the fraud that occurred to our business account. We are in a dire situation as we can not meet the upcoming payrolls et.al.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL ACCOUNTS NEED TO BE REMOVED BECAUSE I AM A VICTIM OF IDENTITY THEFT FROM YEARS AGO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i XXXX XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b XXXX XXXX ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I was checking my credit and saw that there's a hard inquiry from a furniture store but I haven't taken anything out or even been to a furniture location so im confused on what this is about
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXXInquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX-Inquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXXInquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX Date Opened XXXX. XXXX, XXXX  XXXX : {$0.00}
Product: Debt collection

I left a voicemail message for an attorney. I received a call back from XXXX XXXX impersonating an attorney. I then asked for verification of the debt which he refused to do. He then agreed to send me some paperwork and then refused to accept the address I provided him. They have never sent me anything regarding notice of the right to dispute the debt. The information they provided to me over the phone about the debt was incorrect. I have told them numerous times that the amount of the debt is wrong and they still keep trying to collect on that amount instead of requesting proof from the original creditor.