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

I am writing to formally file a complaint regarding multiple unauthorized inquiries that have appeared on my credit report. I suspect that these inquiries may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved parties, the matter remains unresolved. 

Upon reviewing my credit report, I discovered several inquiries that I have not initiated and have no knowledge of. These unauthorized inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned that my personal information may have been compromised, leading to unauthorized access to my credit history.
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. 

Account Name : XXXX XXXXAccount Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) 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: Mortgage

My former mortgage company ( XXXX  ) sold my mortgage ( loan number XXXX ) to Shellpoint Mortgage company ( XXXX ) I sent my first payment on XX/XX/XXXX via my XXXX   XXXX  account. I sent the second payment on XX/XX/XXXX via my XXXX XXXX  account. Neither payment has been credited to my mortgage account. I am continuously receiving letters that my payments are outstanding. I have called multiple times. I am told to call back in 24-48 hours as they are " researching the issue ''. I have emailed multiple times and all I get back is a generic response that they are " looking into it ''. I just got off the phone with a man named XXXX XXXX who is supposedly overseeing my XXXX. His phone extension is XXXX He was extremely unhelpful and actually told me that he was not researching my account but he was in the unpaid accounts division. I don't know what else to do. I am going on three months of calling and emailing this company and noone can tell me where my money is. I emailed them verification of the money coming out of my bank account, I have done everything I know to do. I do not want to continue sending them my money but I also do not want my house to go into foreclosure. I never had this problem prior to Shellpoint Mortgage acquiring my account. Please advise me what steps I can take to resolve this issue as my husband and I are getting nowhere with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX., XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos .

XXXX XXXX  Inquiry from XX/XX/XXXX+ All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX  Inquiry from XX/XX/XXXXXX/XX/XXXX + National Credit Card Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks
Product: Credit reporting

I discovered that my Chapter XXXX bankruptcy had been incorrectly reported as being discharged XX/XX/XXXX. I filed the bankruptcy XX/XX/XXXX and the XXXX XXXX bankruptcy court discharged on XXXX XXXX. This was incorrectly added to my credit record at all three credit reporting agencies some time this year and was not reported to me through the credit reports I obtained as late as XXXX XXXX, XXXX, but it was reported to several mortgage companies in a report obtained through XXXX XXXX on XXXX XXXX, XXXX, XXXX # XXXX. I called all XXXX credit reporting agencies ; XXXX, XXXX and Equifax last week ( XX/XX/XXXX ) to file a dispute and sent a copy of my bankruptcy court order to each of them showing the correct discharge date. XXXX and XXXX have both since corrected this in my report, but Equifax is telling me they are still investigating and that they have 30 days to correct the error. They fuse to give me any assurance it will be corrected any sooner. In the mean time I ca n't get the refinance mortgage I am trying to obtain. 

However, the most disturbing problem is the reporting of this public record. Equifax told me that they received this erroneous report directly from the Bankruptcy Court in XXXX XXXX, TX. I called the Bankruptcy court directly and they told me that the court does not report to the credit agencies. I pressed Equifax repeatedly to verify where they got this information and noted that all XXXX agencies had the same error on all XXXX of my reports. I asked for some kind of verification of who reported this information and they insisted that they got the information directly from the public records. I find this very difficult to believe since all XXXX agencies had the exact same erroneous information and that it was added to my credit report at all XXXX agencies at the same time, especially when it was n't shown with a discharge date of XXXX XXXX on any of my reports last year when I was able to get a mortgage to purchase the house I bought XX/XX/XXXX. I would not have been granted a home mortgage with a bankruptcy discharge less than four years old. 

I want to know who reported this to the credit bureaus. If all XXXX of the obtained the information themselves, at the same time, then who are they really getting this information from? Is there some third party public record reporting service they all use that they refuse to disclose or are they actually getting this directly from the official bankruptcy court records? And, more importantly, why is it wrong? Who is responsible for this? 

FYI, I have the credit reports from all XXXX agencies I obtained through XXXX XXXX and the credit report from XXXX XXXX as well as the court order discharge I obtained directly from the Bankruptcy court in XXXX XXXX, TX available if needed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing t0 properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I received an unsolicited XXXX Debit card from CASH APP. Someone used my identity and information to open the account. My complaint is in regards to how difficult it was to contact CASH APP and get them to close the account. It took me 5 days, 15 phone calls an email and finally a XXXX message to finally get someone to help me and close the account. CASH APP is very difficult to reach. When an individual is experiencing identity theft the financial institutions involved must be easy to contact and quick to react. CASH APP is none of these things. I would not trust CASH APP with any of my finances.
Product: Credit card

On XX/XX/, a purchase that I was unaware of and did not make appeared on my Ollo statement for {$180.00}. I did not make this purchase as I have not used this credit card in almost a year. This is the second time I have been frauded on this particular credit card. I contacted Ollo card on XX/XX/ and disputed this charge as fraud. The amount was placed on hold while they investigated this fraudulent charge. The company requested I complete paper forms to dispute this charge. I mailed back one letter on XX/XX/ and the other letter XX/XX/XXXX  both certified to make sure Ollo received the letters. Both letters asked the exact same questions, but I responded to both of them and tracked the certified letters to make sure the company received the required forms. At this time Ollo was transitioning to Ally. I got the feeling that these correspondences would be lost in this transition. 

On XX/XX/XXXX  I received another letter stating that based on their investigation this was a legitimate purchase and that I was still liable to pay for this unauthorized purchase. On XX/XX/XXXX  I called Ally and talked to XXXX at Ally card services disputing this charge as fraud once again. The amount was placed on hold on XX/XX/XXXX  while they conducted their investigation. The fact that this is the second time this particular credit card has been frauded leaves me to believe this is internal fraud. On XX/XX/XXXX  I received a letter once again stating that the company did not believe the purchase was fraudulent and that if I did not pay it they would report the purchase to all three credit agencies and turn me over to collections. 

By the time I returned home from my job the bill was already due on XX/XX/. I paid for this fraudulent charge on XX/XX/XXXX  not wanting this unauthorized purchase to affect my credit and having no other recourse than Consumer Financial Protection Agency. I plan to close out all of my accounts with this company this week since they have coerced me into paying for a fraudulent purchase I did not make. I have never heard of a credit card company forcing a customer to pay for an unauthorized purchase. 

Please assist me in any way possible to recoup the {$180.00}. This company needs to be investigated for fraud.
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. 

XXXX : XXXX and 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

These inaccuracies on my credit report are stopping me from getting approved for an apartment, a new car and starting a business. In addition to violating my consumer rights, these accounts are reported inaccurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is my name sent a copy of my social driver licencne and so forth they still continue to report two accounts that when I call som others woman information comes up told this to the beuros but they keep insisting is me asked for proof of the debt directly from the creditor they did not send me anything to me but when directly to transunion XXXX and XXXX and requested that my file be locked to me by them is this possible? it seems i get the run around and after several calls back i give up help me please!!!!
Product: Credit card

I opened this account in response to a zero-interest rate balance transfer offer. On XX/XX/26 I requested two balance transfers, in the amount of {$3500.00} to XXXX card and {$7900.00} to XXXX that were billed to my new account that same day. The marketing materials ( and the disclosure that was made to me at the time I made these transfers ) indicated that it would take a maximum of 13 business days for the transfers to be made and credited to the respective accounts. It has now been more than 13 business days. I have since been billed by this bank for the first monthly payment on those transfers. But the transfers have not been made. I called this bank today ( spoke to XXXX, who would not provide any additional information about her identity ) to find out why I was being billed for balance transfers that have not been made. The bank indicated it would take an additional 7 business days for these transfers to occur. I asked where it was disclosed to me that it could take up to 20 business ( not the 13 days that was disclosed ) to make these transfers and the bankXXXX said it " could not '' provide that information. This bank is engaged in false advertising designed to lure customers into opening new accounts without honoring their responsibilities to make balance transfers within the time frame indicated in their written disclosures. I believe this bank is engaged in a sophisticated type of marketing fraud.
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. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has a bill in collections. I still have an account, with the same telephone number, and an active account number. I have no idea how i am still paying them but some how have a account in collections. Theyve never reached out to tell me anything. I believe this account was ran up by someone else. 

The account name is XXXX XXXX my legal name is XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations 15 USC 1681 Section 602 State I have a right to privacy.

15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.

Black mail is defined as demanding money or another benefit from ( someone ) in return for not revealing compromising or damaging information about them.

Identity theft is defined as the fraudulent acquisition and use of a persons private identifying information, usually for financial gain.
Fraud vitiates the most solemn contracts, documents and even judgments. ( U.S. vs XXXX, XXXX XXXX XXXX, at pg. XXXX ) There is no known law that says I have to pay anyone anything. 
I do not have a contract with these unconstitutional Credit Reporting Agency. I used the address on my consumer report and they engaged in untimely games collecting my correspondence. These are publicly traded companies engaging in deceptive practices which violates the Truth and Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a consumer file report from LexisNexis Concumer Center and the information listed under Section # 9 - Automobile Insureance Claims Records is  incorrect as it is listing XXXX XXXX XXXX as the Vehicle Operator on Records # 1 and # 3. The Vehicle Operator should not reflect XXXX XXXX as this was a Comprehensive clain for a total loss due to Electrical failure within the vehicle on Record # 1 with DOC on XX/XX/2019. The Vehicle Operator should reflect XXXX XXXX on Record # 3 with DOC on XX/XX/2019
Product: Debt collection

I never had an account with this company Im a sick man with XXXX and cant even go to the gym, u reach out to this company many times but for whatever reason theyre not investigating this account and wants me to pay
Product: Credit reporting or other personal consumer reports

Dispute and Request for Removal of Negative Charge Off and Inquiries Dear Experian Consumer Relations, I hope this letter finds you well. I am writing to express my deep concern regarding the XXXXXXXX XXXX negative charge off and inquiries that are currently listed on my credit report with Experian. I have made several attempts to resolve this matter through your customer service department, but unfortunately, I have been blocked from all communication channels. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit report. I would like to bring to your attention that the negative charge off and inquiries listed on my credit report are not accurate and are causing significant harm to my creditworthiness. I kindly request that Experian investigate and verify the accuracy of the negative charge off and inquiries that are currently affecting my credit report. As per the Metro 2 laws, it is crucial that accurate information is reported on credit files. If the information can not be verified, I request that Experian promptly remove these negative items from my credit report. Furthermore, I would like to address the issue of being blocked from all communication channels. As a consumer, I have the right to information and open communication with credit bureaus. Blocking me from all communication channels is not only a violation of my rights but also hinders my ability to resolve this matter in a fair and timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative items showing on my reports. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amsher collections, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am a victim of Data Breach and Identity Theft. 
Please, block and delete the account within XXXX business days pursuant to FCRA 605B15 U.S.C.
Product: Vehicle loan or lease

Hello, I disputed my 30days past due. I was having a financial hardship at the time. Request to remove of my credit report. Moving forward Ive never been late with my car payment
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO AND TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I noticed an article today about Bank of Omaha, and their illegal credit card practices. I am so glad you nailed these guys. They basically ruined my life when they added me to my wife 's credit card account. When the strain of the fees and charges broke her, it took me down as well, causing us both to lose our house, bankruptcy, and nearly our marriage. This was about 7 years ago or so. Any discomfort you cause them, know they deserve all of it, and probably a lot more.
Product: Credit reporting or other personal consumer reports

My last place of rental was abated, leaving me completely free of having to pay for any fees tied to the apartment. Due to the apartment failing an inspection. I sent proof of the abatement letter from my housing specialist, stating that I did not owe the apartments any fees. TRANSUNION, XXXX, AND XXXX still have the debt of {$1000.00} listed on my report. Making it difficult for me to rent elsewhere!
Product: Checking or savings account

On XX/XX/year> my business checking account was hit with five unauthorized charges. XXXX XXXX XXXX XXXX XXXX For a total of XXXX. 

The two XXXX charges were from XXXX XXXX XXXX XXXX. The XXXX charge and the XXXX was from Hunter Warfield And the XXXX charge was from XXXX. 

All five of these charges were pulled at exactly the same time directly from my business checking account.