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

I am a natural person, I am a living human being, I have rights under USC 1681. 

Equifax is govern by 15 USC 1681. And They violated my rights numerous of time. I demand the accounts listed below be removed because ; According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts ; XXXX XXXX XXXX / Account = # # # # # # # # XXXX XXXX XXXX XXXX Accunt = # # # # # # XXXX XXXXXXXX XXXX XXXX/ Account = # # # # # # XXXX XXXX XXXX XXXX Account = # # # # # XXXX XXXX XXXX XXXX XXXX / Account = # # # # # # # # # # # #  XXXX XXXX XXXX XXXX / Account = XXXX XXXX XXXX / Account = XXXX XXXXXXXX XXXX / Account = XXXX XXXX XXXX XXXXXXXX XXXX Account = XXXX XXXX XXXX XXXX XXXX XXXX I have recently discovered Equifax have been giving out fake scores. Their improper and misinformation has resulted in my higher interests rates, in turn causing high monthly bill payments..
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I saw that my Experian score decreased by XXXX points. I clicked on the see what changed button and I only saw that my XXXX  XXXX credit decreased from {$41.00} to {$0.00}, I thought this was stranger because paying off a card usually is a good thing and other credit bureaus did not decrease my score. It was alarming because XXXX XXXX reported this on or about XX/XX/2024 to the other credit bureaus. This isnt the first time Experian just drop my score and nothing negative has happened. This happened back in XX/XX/2024. I called and spoke with an Experian representative and asked her why did my score drop by XXXX points and there was no negative reporting. She said I would have to hire a financial advisor. I told her to cancel my subscription ( {$9.00} a month ) since she refuse to talk to me. She told me she canceled my entire membership and I could not see or log in to see my information. I exclaimed to her I asked that she cancel my subscription not free membership. This action caused me another XXXX points decrease. I feel that Experian just cant drop my score by XXXX points and there is no negative action being done by me. They gave me a boost on XX/XX/XXXX and everytime they give me a boost a few weeks later they drop my score and there arent any clear reasons why. This needs to stop. After I called them and this happened, I got anothet strange notification under see what changed and it said I had an account increased by {$1300.00}. This is not true. Force them to put back my XXXX points. This is not in accordance to the fair debt act. Experian needs to do away with boost bc they give it to you then take it away without justification. They are the only credit bureau that I have this problem with. What account increased by {$1300.00}. Also, the accounts that are self-reported dont have a balance so this information is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contact this creditor several times concerning these accounts. I never opened the accounts or benefited from the use of the accounts in any way. The accounts were opened shortly after my identity was stolen which I've explained several times. I also haven't received anything with my signature validating that these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is reporting a couple accounts on my credit that need to be removed. I have settled the account and ask that you please remove these accounts rom my credit file. As granted by the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any account since you are the original furnisher. I have settled this debt with you and am no asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. If i do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce this removal, including but not limited to institution of legal proceeding against you.
Product: Checking or savings account

On XXXX 3 transactions of {$1500.00} for a total of {$4500.00} posted to my account without my authorization. I opened a complaint with Bank of America. They claimed the charges were teller withdrawals and the person I spoke with advised me the bank conducted their investigation. They tell me the cameras were not running at the counter on that day and that if they were a warrant would be required to access them. My statement shows it as a teller withdrawal, I did not make these transactions nor did anyone else I authorized with my card.
Product: Checking or savings account

Wells Fargo is prejudice and they do XXXX folk wrong. They take our money with those ridicules charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with Equifax regarding to medical bills that appears on my credit report. Equifax took upon themselves to dispute all my credit cards with XXXX XXXX an I have been receiving letters from the bank stating that I reported that I did not applied for this account or that its not mine. I have never reported these accounts from XXXX XXXX as fraud. The last letter from XXXX XXXX was just received by me from the XXXX XXXX XXXX stating to fill an affidavit of fraud regarding the account and if the charges are fraud. I spoke to an investigator from XXXX XXXX and old him that I never disputed any of the account with XXXX and that I only disputed two medical bills that are listed on my credit report in a collection company which are not mine. I called Equifax executive offices and my call was sent to another country, which I do n't understand why another country would have access to my personal information and that 's why the consumers are at risk from beach and identity theft. all the creditors that are run by XXXX XXXX  are sending my fraud form to fill out and return to them.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed there was some fraudulent accounts on my report.
Product: Credit reporting or other personal consumer reports

My identity was compromised and there are reposting affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain items on my credit report that I believe to be inaccurate. I did not authorise these inquires. Specifically, I am requesting proof of ownership for the following items : XXXX XXXX  XXXX
Product: Checking or savings account

MNT Bank in XXXX, Delaware and MNT Bank in XXXX Delaware I requested money to be put into an account and a mat cost us in XXXX Delaware shut down my account money was supposed to flow to my businesses, XXXX, etc. also embezzlement account they will not open a new account could you please contact business facilities
Product: Debt collection

My wife and I were living at XXXX XXXX XXXX XXXX XXXX, SC XXXX on or about XX/XX/XXXX I suffered severe medical complications causing us extreme financial hardship. We no longer had the financial means to maintain this property and no ability to utilize any of the services and/or memberships associated with the property. We ceased our memberships associated with the property, including the Signature Full Golf Membership releasing us from any on-going membership fees associated with the property and Golf Membership fees, also this property was subsequently reclaimed by the bank and resold to new owners in XX/XX/XXXX. Applied Business Services , Inc is a collection company working for XXXX XXXX XXXX XXXX XXXX XXXX, they sent me a billing statement in the amount of {$120000.00}, this statement shows on-going billing for this membership up until XX/XX/XXXX. I 've contacted the Collection Company and XXXX XXXX multiple times pertaining to this matter and they have been unresponsive and placed a negative posting on my credit reports in the amount of {$120000.00}. I 've tried disputing this account with the credit bureaus and they continue to verify this account as accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018my vehicle was broken into at my place of employment. The individuals stole my purse which contained my drivers license, social security card, and store credit cards. I immediately called the police to file a report and closed my accounts. Unfortunately on XX/XX/2018 the individuals that stole my belongings, purchased a vehicle online through XXXX  using my information.The vehicle was delivered to these individuals. I have called numerous times and have contacted their legal department via email as well. I have sent them my police report and they have actually been in contact with the detective on my case. The individuals that have stolen my identity to purchase this vehicle have been arrested and are currently in jail for this crime, yet XXXX/Bridgecrest refuses to take this vehicle off my credit report.
Product: Credit card or prepaid card

On XXXX XXXX I was notified that a late payment was added to my Wells Fargo account. I made these payments but they were not processed by my external account properly. I intended to make both these on time payments without knowledge that they were not made. I contacted the company in hopes to correct the standing of my account as I am in the process of buying a home. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has incorrect information on my report. i have contacted them via / phone and email with no cooperation. The incorrect info belongs to someone else with a similar name. the following info must be removed within 30 days... 

DELETE ALL THE FOLLOWING ITEMS I have never had a " XXXX XXXX '' card XXXX XXXX ( Finance ) XXXX XXXX, XXXX  XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am submitting this formal complaint regarding an egregious violation of my privacy rights involving XXXX XXXX and the Department of Government Efficiency ( DOGE ). I have reason to believe that my private financial data, including my student loan records, was accessed without my consenta direct violation of my consumer rights and federal privacy laws. 

As a result of this unauthorized access, I demand the immediate removal of my student loans from my credit report and a full investigation into this matter. The exploitation of my personal information by XXXX and the Department of Government Efficiency is unacceptable and has caused significant financial harm, stress, and unfair reporting on my credit profile. 

I am formally requesting that the CFPB : - Immediately remove my student loans from all credit reporting agencies ( XXXX, XXXX, and TransUnion ) as a corrective action for this privacy breach. 
- Conduct a full investigation into how XXXX XXXX and the Department of Government Efficiency ( DOGE ) gained access to my private financial records. 
- Hold all responsible parties accountable for any violations of federal privacy and financial protection laws. 

Provide written confirmation within 30 days verifying the removal of my loans from my credit report and the status of the investigation. 

If this matter is not addressed promptly, I will have no choice but to pursue further legal action and escalate my complaint to other regulatory agencies. The CFPB has a duty to protect consumers from unauthorized data breaches, and I expect swift action to resolve this serious issue. 

I demand immediate confirmation that my student loans have been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX We were over 60 days in the loan process with you and fully complied with your every request in an expeditious manner. 
We have proven our income, are secure in our employment, and have money in the bank, our credit scores are over XXXX, we have no credit card debt, our residence appraises more than sufficiently, there has been no change in property size, zoning, type or usage since our previous successful re-fi with B of A which, in fact, qualified for and is currently owned by XXXX. You have already changed our insurance coverage naming B of A as additional insured for the new loan. For you to now tell us that our application for refinance has been declined because of " property type '' which was made known to you and which you marginalized in our initial and subsequent telephone conversations, just does not pass the smell test. I have been counseled to request a comprehensive explanation for their declination from your responsible underwriting staff. What has changed since our previous refinance with B of A? 
There is speculation that B of A is hoarding cash because of the election or that there may be age discrimination. Please provide this along with your official declination statement in writing and in a timely manner. XXXX
Product: Debt collection

I spoke with XXXX today from Transunion special services department. She has informed me that my account profile has attributes. as she explained there is a lawyer 's power of attorney that has been put on my Transunion credit profile, that being said it blocked me from accessing my Transunion credit account online. That is actually a clear violation of consumer rights mentioned in FCRA law. There is a reason that TransUnion continuously ignores all my complaints and letter to remove ca collection that is not mine and they continually claimed that is verified where the creditors are not even responding. The inquiries that I have which I complained about since 2021 and up to now there are unauthorize inquiries that have been made still this bureau continually promised that their special service agent will contact me after 72 hours or 3 business days. Today, XX/XX/XXXX XXXX from the special service department is my first time speaking with them since last year. I was waiting to be transferred today and XXXX picked up my call. TransUnion kept a collection and inquiries which is the fraudulent activities on my account. XXXX instructed me to send the copy of CFPB and FTC reports that i filed previously and with the copy of this report as well to TransUnion dispute department.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit acceptance incorrectly reporting late payments on my account. I was NEVER notified 30 or even 15 days before my payment date nor was I notified ON my payment date. Which is resulting in misinformation and low scores. Currently I had a joint account with my x wife & the information thats being report on my report and her report, about the same account appear to be reporting differently.. I called credit acceptance to get this matter resolved. But sadly could not. i was told it was my fault and the could not do anything about it. I file a complaint wit the XXXX  Credit acceptance called and said that they will investigate. But investigation was just questioning my on the phone before telling me they could not do anything about it. so NOTHING as be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the XXXX data breach I have sent you a letter and you have not responded back to me yet!!!!!
Product: Credit reporting

I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX XX/XX/XXXX living with my grand farther in XXXX NC XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX XX/XX/XXXX. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ XXXX Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed
Product: Credit reporting or other personal consumer reports

I have been trying to remove multiple fraudulent accounts off my credit report since XX/XX/year> and I have made multiple police reports and ftc reports and they have not removed are blocked the information yet I have provided my documents verify my identity and still the fraudulent accounts are still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX  XXXX XXXX card accounts listed on my account, the first with a {$1600.00} credit limit and a close date of XX/XX/XXXX, but a last payment date of XX/XX/XXXX and pays as agrees status through XX/XX/XXXX. These late payments are incorrect and should be removed, but they have not been. Is is apparent they are incorrect as the dates do not line up and there is no payment information for the times the account was actually open. The second account is listed as a charge off paid on XX/XX/XXXX and opened in XXXX, but with no pays as agreed information and no credit amounts listed, only two 30 days past, one 60 days, one 90, and then a charge off, in XX/XX/XXXX. This account was in good standing until it was closed, and that should reflect on my credit report.
Product: Debt collection

I have paid all my medical bills thru co pays and insurance and i recently noticed that i have a collection on my report. I have tried to get the company to send me what its for but haven't received anything. and they have not removed it from my credit report when i've gone to the credit bureaus. Please help me get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance : {$11.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a balance of {$12.00} with The XXXX  XXXX XXXX, which is inaccurate. I have a XXXX  balance with XXXX XXXX XXXX XXXX. It is not reflecting my payment of {$31.00} made on XX/XX/20.
Product: Debt collection

This debt is showing on my credit report and I have no knowledge of it. I am a XXXX  and also suffers from XXXX XXXX XXXX and have been covered by XXXX. I do not owe this debt nor have I gotten any documentation pertaining to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an Inquiry Issue with XXXX and the Inquiries don't belong to me.
Product: Checking or savings account

XXXX  XXXX- XXXX XXXX XXXX
XXXX  XXXX- XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX 
XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  2021- XXXX XXXX XXXX  XXXX- XXXX XXXX

MERCHANT USED BY NAVY FEDERAL IS CONDUCTING CONSUMER BASED FRAUD PYRAMID SCHEME. REFUSAL TO REFUND MONEY BASED ON CONSUMER AND MERCHANT BASED FRAUD. XXXX XXXX XXXX  WAS PRESENT DURING THE WALKTHROUGH OF THE FACILITY. PERSON IS KNOWN FOR FRAUDULENT BUSINESS PRACTICES. REFUND BY DISPUTING CHARGES HAS BEEN INITIATED OVER 9 DAYS AGO. NAVY FEDERAL HAS PREVIOUS BAD BUSINESS PRACTICES WITH MERCHANT SERVICES. SUBMITTAL OF COMPLAINT  DURING XXXX, LED ME TO A ZERO COMPENSATION AS THE LAWSUIT AMOUNTED TO AN ASTRONOMICAL AMOUNT. ERRORS IN BANKING MERCHANT SERVICES CONTINUE, FROM UNCOVER AND LINK TO CALIFORNIA MERCHANT SCAM.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to Investigate and Address Disputes Comprehensive FCRA Violation To Whom It May Concern, This is a formal demand for the immediate investigation and correction of inaccuracies on my credit report, which your agency has failed to address in compliance with federal law. As cited in the CFPBs XX/XX/XXXX enforcement action, XXXX routinely violates the Fair Credit Reporting Act ( FCRA ) by : Failing to investigate consumer disputes adequately ; Ignoring supporting documentation provided by consumers ; Reinserting previously deleted errors without proper notification. 
Failing to block identity theft-related inaccuracies ; and Sharing inaccurate credit scores and data with lenders. 

XXXX has been found to rely on flawed processes and defective software, resulting in the misreporting of consumer data and credit scores, causing significant harm. These systemic failures have directly impacted my financial well-being.

Under 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into disputed information and provide a detailed report of your findings. However, your failure to uphold these duties not only violates federal law but also disregards the rights of consumers like myself. 
I demand the immediate correction of the following inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to comply within 30 days will result in escalated complaints to the CFPB, FTC, and legal action to XXXX XXXX XXXX. This matter is urgent and requires your prompt attention Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed accounts are still on report even though other credit bureaus claimed it was removed, such as XXXX XXXXXXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.