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

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

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}
Product: Debt collection

Doctor 's office was given XXXX insurance information before being seen. Secretary too medical card, made copy and still presented me with a bill. Bill has now gone to collections and is on my credit report. Bill should have been paid in full by XXXX.
Product: Checking or savings account

I submitted a claim in early XXXX regarding some Concert tickets. However, these concert tickets were not the ones that we had bought. I ended up calling to see if I could dispute it, and the agent on the phone informed me that I would be able to and that I would be getting credit while you guys were making the " investigation ''. I provided pictures, and even asked if you guys needed more information, and the employee said they didn't. A few weeks later passed and I was informed that you guys closed the claim on behalf of the merchant, however when I called the agent said that the dispute was under another name, which IS NOT what I filed it under. They didn't call to inform me of anything that was going on, and I informed them that I wasn't able to get in contact with either the merchant or the concert organizer. I'm currently seeking for them to approve of the claim, because in the end I didn't end up with anything that I paid for and there is no way for myself to be recompensated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information that TransUnion has reported on my credit file. I was a victim of the XXXX and XXXX data breaches, which compromised my personal information and have since resulted in inaccurate and unauthorized accounts appearing on my credit report. Under 15 U.S.C. 1681c-2 ( a ), I have the right to request the deletion of any information resulting from identity theft. Despite my efforts to dispute these fraudulent accounts with TransUnion, they have failed to remove the unauthorized items as required by law. I am requesting the CFPBs assistance in ensuring TransUnion complies with federal regulations and immediately deletes these fraudulent accounts from my report. Please advise on the next steps to resolve this matter. 

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

This is my 5th attempt to get this matter resolved. I have filed 4 previous complaints against Experian Information Solutions through the CFPB & I'm constantly told I'm disputing on behalf of someone else or there is no valid account on file. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Experian. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to block the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account # 's - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Short sale and Foreclosure conflicts - in early XXXX 2015, I spoke with XXXX XXXX or another bank individual regarding my home loan. I requested to go forward with short sale proceedings. While I was informed by the bank that the loan was in foreclosure, no action had been taken. Well, over the weekend I received a notification from XXXX XXXX. XXXX in XXXX, VA and learned that my loan was referred to their offices on XXXX XXXX, 2015 for foreclosure. The letter from the attorney also states by law I am not allowed to stay in the property unless conditions are met. It is evident Bank of America - did not cancel the foreclosure proceedings once I agreed to a short sale. 
An appraiser came to my home in early XXXX 2015 for what I thought was a part of the short sale process - now I believe it was ordered by the bank for foreclosure. Since my request to go forward with a short sale - I have had XXXX different Customer Service Relation Managers : XXXX XXXX, XXXX XXXX, and now XXXX XXXX, however, the call goes straight to voicemail. She sent me emails with information that is no longer valid ( see enclosed ). When I was finally able to log into the short sale system - she had already declined my request. Much of the documentation in the welcome package requires information regarding a realtor. It was not until last week, that I was able to obtain any interested realtors as this is not their first choice of home selling. I am requesting that I be allowed to short sale my home for financial and creditworthy purposes - that Bank of America cancel the foreclosure proceedings, and keep me constant with one Customer Relationship Manager.
Product: Money transfer, virtual currency, or money service

I have been trying to contacf Grain XXXX in order to have my {$250.00} deposit returned to me and close out my account. I have sent over 8 emails with no response. They don't offer a phone number to call. I just want my account closed and there is no way to get in touch with anybody. They promise to return the email within 2 BUS but that does not happen.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX 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 a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}, XXXX XXXX XXXX Account XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$2300.00}, Dpt Treasury Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$200.00}, US Dept of the Treas Account # XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX. XXXX, XXXX Account # XXXX XX/XX/XXXX bal. {$160.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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: Checking or savings account

XX/XX/2023 a citi bank manager racially profiled me and put a block on my account
Product: Credit reporting or other personal consumer reports

I bought a XXXX XXXX  in XXXX, brand new with a 20 year XXXX mile warranty. Car had catylic converter replaced twice. Knocking sound started in engine around late XXXX, XX/XX/XXXX. Tool car to dealership in XXXX Ga. I was told it had a recall in the engine. I was asked to fax my maintenance records. I did so. They refused to go or warranty, leaving me to drive the vehicle till engine stopped. The vin # XXXX My vehicle was included in a class action lawsuit for the engines in these vehicles. 

XXXX XXXX XXXXXXXX XXXX XXXX  actually owes me money, yet they place negative information to XXXX, Experian & XXXX as a bad debt, collection, charge off with a almost {$8000.00} balance. I the consumer was frauded by XXXX XXXX and I'd like for this to be removed from my credit reports. I have screenshots of mail I was sent by XXXX XXXX involving my vehicle in this class action lawsuit. Please investigate. Veteran of the armed forces. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to the credit Bureaus today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Inaccurate closing documentation was signed at closing. They set our loan up knowing we could n't afford the payments. We were told to just make the payments for 2 years and then refinance the loan to where we could afford it. After many complaints to them they have yet to resolve setup and delivery issues. We had to hire an attorney to help get this fixed. We tried to get them to modify our loan to make it more affordable and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian many requests to please investigate, verify and remove accounts from my credit report and they are just not cooperating.
Product: Checking or savings account

I initiated a payment via echeck on XX/XX/XXXX. After the funds were taken, I realised they are a scam company trying to collect on old paid debts. I called my bank, JP Morgan Chase, and explained the situation. They said the couldn't help and refused to talk to me further about it. It is over 30 days and no resolution. I need my money back and this matter resolved. After speaking with them multiple times regarding this issue, I was told on XX/XX/XXXX that the only way to protect my account is to close it. I honestly can not believe that they are willing to lose business. They said there is no way to protect accounts from scammers and that because they do not know where or how money will be taken out, the only true way to be protected is closing the account. 

I do not want to close my account, but am now worried that there is no protection at all for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agency is Reporting inaccurate dates on a chapter XXXX I had. XXXX chapter XXXX was discharged in XX/XX/XXXX and for some reason they have changed the discharge from XXXX to XXXX. 
I have had 3 way call with the XXXX Ga. Federal Bankruptcy Court who acknowledge to the reporting agency that they had the wrong discharge date and it is XX/XX/XXXX but the reporting agency still did not Correct the dates like they said they were going to.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

My sister called in to talked to them without my permission and they never verified she was me or anything and talked to her without my permission. They violated my rights as a consumer
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX Account Number : XXXX High Balance : {$420.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : XXXX : XXXX ON XX/XX/year>
Product: Credit reporting or other personal consumer reports

An account was opened on my behalf that was fraud. The price of the service was not the advertised price. Since the merchant was paid all communication was done through Affirm who has since ignored all of my attempts to report the fraud. The price was {$12000.00} with a {$1000.00} upfront fee paid to the company XXXX which the contract with Affirm should have been for {$11000.00} and not the full amount. As a result, the merchant ghosted me and never provided the service after being with them for 3 months. After I requested a refund they tried to start working on my behalf but I was done. Affirm did not assist me and as a result I reviewed my credit report to learn I was reported late for nonpayment and noticed the price of the account which was incorrect. After numerous attempts. Affirm and the merchant have not responded. At this point, all I want is to cancel the contract and any money paid to the merchant and Affirm refunded to me. 

Either way this is fraud and I need this matter taken to the next level.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) To whom it may concern, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block all information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), and a personal credit card opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several hard inquiries, collections, accounts being late, along with XXXX charge offs appearing on my consumer XXXX credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the fraudulent items that were previously mentioned. I am completely unfamiliar with all the previously mentioned accounts, and they are all listed as charged off. None of the accounts, collections, hard inquires, or charge offs were open, made, or initiated by me. All the previously mentioned accounts are the result of identity theft and fraud. I have attached a copy of an FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, delinquency, and payment history are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus ' XXXX, Equifax and XXXX  on XXXX and have not received any response from any of the companies they have violated my rights as a consumer under the FCRA 15 usc 1681 they have violated my privacy and have furnished accounts without my written consent
Product: Credit reporting or other personal consumer reports

TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for DISCOVER BANK ACCOUNT tradeline as reported by XXXX. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent. 
Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.
Product: Credit card

On XXXX XXXX, I received an email from Kohl 's, alerting me that my contact email address had been changed. There was a contact number where I could call if this was not a request I had initiated. I called, but what followed was over two hours of phone trees, endless hold times, and conversations to others who ultimately insisted I ignore it and that everything was fine. At one point, the gentleman who answered the call ( in another department ) could n't even verify that the address had been changed. 

I finally got to someone who informed me that a {$45.00} charge had been placed against my card, which I most definitely did not initiate, and it became evident to me that my account had been hacked and my privacy & identity had been compromised ( this was after the conversation with the man who had actually advised that I ignore the situation altogether ). Yet again, I tried to call -- this time their Fraud department -- but yet again, nobody was answering calls. I was unable to log in to the account online to dispute the charge, since my email address had been changed, so I had no options with respect to that, either. 

I was quite flustered, so I went up to an actual store location to simply close the card, in order to keep the fraudulent charges from coming in. Incredibly, at the store location itself, I was informed that I 'd have to call the corporate office to do so, which boggles my mind -- the account can be opened at the store, so why ca n't it be closed there, as well? 

At the end of this entire 3 hour fiasco, which now included a trip to a physical location, I have finally been able to successfully close my card, but I still have n't been able to contact anyone about the fraudulent charge, nor do I have any idea how many other fraudulent charges may be forthcoming, nor do I know the extent to which this possible case of identity theft has been extended.
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 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 an 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.
Product: Checking or savings account

This bank Is crazy Im a victim Of Identity theft fraud never applied or had any accounts with them but they wont let me open one either so confusing I want a checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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 604 A section 2 it also states a consumer reporting agency can not funish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose.