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 un 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 and 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 ) (! ) A personal 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

My debit card was stolen XX/XX/XXXX and used to create an overdraft account. I called Wells Fargo to report stolen card and fraudulent activity on my Wells Fargo checking account. My card was never deactivated or reported stolen on Wells Fargo data. my account received multiple transactions and over draft fees after I reported my account debit card lost. I contacted Wells Fargo I spoke with supervisor : Yousif reference number : XXXX.. Who could not answer any of my questions about my Wells Fargo account being hacked and charged over {$220.00} dollars. I also spoke with customer service representative : XXXX XXXX about the situation she was rude and hung up on me without answering any information about my account occurring 4 different overdraft fees. I just want my account refunded XXXX dollars that was not supposed to be overdraft if my card was reported XX/XX/XXXX. All these fees accrued after I reported my card stolen and being used by not the authorized user or the bank account.
Product: Credit reporting

My identity was lost or stolen on a date unknown to me. I recently checked my credit report and found an account open that I did not open, authorize or consent to it being opened. I then filed a report with the FTC and other law enforcement agencies. I sent the information with all requirements to Experian via USPS certified mail. Experian refuses to delete the fraudulent account. I sent the company what I was given by law enforcement. In our region the officers do n't give you a physical report. Only a report number and a cover sheet which was submitted. The other agencies were filled on line in which that information was submitted also. The following account is not my account and I demand that it be removed from my credit profile ; XXXX XXXX # XXXX not my account please remove this fraudulent information from my credit file.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear Equifax Customer Service, I am writing to demand the immediate blocking and permanent deletion of all fraudulent accounts and inquiries appearing on my credit report. As a victim of the Equifax data breach, your failure to safeguard consumer data has directly led to the misuse of my personal information. I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) and insist that you take swift and decisive action to address this matter. 
The fraudulent entries I have identified are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX  XXXX XXXX  - XXXX Unauthorized Credit Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information. 
I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld. 
This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt compliance. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX Enclosures ID Proof of Address XXXX  FTC
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 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 XXXXXX/XX/XXXX
Product: Credit reporting

I have several creditors who pulled my credit report without my permission. Experian wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Experian is also asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Experian, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditors pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Experian. I do not feel that I should have to contact creditors, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP Thanking You
Product: Credit reporting

My credit has been run XXXXThis has caused my credit score to drop XXXX points on both Equifax & XXXX. 
I did not apply for credit nor are these cards open. They have been closed for years. I am in the process of selling my house and purchasing another. I am aware of the Group on Mortgage check as we are in the process of purchasing a new home. 
I am disputing XXXX. Again I have NOT requested credit from these companies. I recently had an issue with a XXXX gas card someone opened in my name. This was cleared up by both XXXX and XXXX. I want these removed and reported as possible identity theft. I would like Equifax & XXXX notified of this derogatory hard credit checks so my score can be returned to what it was prior to these credit inquiries. It should be illegal for companies to run credit reports on closed accounts. I am not at all interested in opening these accounts.
Product: Mortgage

I called XXXX XX/XX/XXXX, because I had gotten a notice stating that I did not make my mortgage payment. I did make to Mr. Cooper on XX/XX/XXXX confirmation # # XXXX in the amount XXXX. When I called Mr. Cooper the woman who answered ( in TX ) Hung up on me. I called again later that day and was told by a employee of Mr. Cooper that I did not make my paymen t and my hourse was going to go into foreclosure. I let her know that I did make the payment and gave her the confirmation #. She told me that my bank rejected it. Which I have been making payments to this same ortgage company since XX/XX/XXXX whith no problem. I went to my back that day after work and I was told by the back that there was never a attempt on putting throught the payment from Nationstar Mortgage ( Mr. Cooper ). I called the bank when I got home and I was told again I did not make my payment they were in the process of forclosure and I explained everything about to this women if I was going to make the payment for both XXXX and XXXX. I said yes but to geive me atracking number for the payment that my bank rejected on XX/XX/XXXX for # XXXX. She put me on hold while she spoke to her XXXX. And she said that she would waive the {$86.00} XXXX later fee and the {$15.00} XXXX Fee. So I made my XXXX payment on XX/XX/XXXX confirmation # XXXX in the amount of {$4100.00}. On XX/XX/XXXX I went in to my bank account to see if the payment went through I was told still no payment had gone through on their side and that my bank rejected it for insufficent funds. This is not true I went back to the bank and I was told that the Nationstar Mortgage only entered in 4 of the 6 numbers for the account number. So the bank needs to ID the 6 numbers not 4. I called Mr. Cooper back on the XXXX they told me to wait till XX/XX/XXXX to call them back to see if the payment went through. No fees will be put on your account I am putting that in right now I was told. I could not call on XX/XX/XXXX because my daughter had XXXX. I called Mr. Cooper on XX/XX/XXXX at XXXX and was told by XXXX in TX that the payment was past due, she was nice and cleared all of the charges again and double checked with me the account number and the routing number and I approved her to resend the payment, she said to give 24 hours. I have and still the money is in my account no payments paid. I can not do this any more. and with my husband just loosing his job and this Mr. Cooper not able to put my payments through is XXXX percent rediculess. Can you please look in to this for me please. I was told by XXXX that I
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach, and I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were added without my knowledge or consent, and as such, they are the result of identity theft. Under the provisions of XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I am entitled to have these fraudulent accounts blocked and removed from my credit file. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00}
Product: Credit reporting or other personal consumer reports

I disputed an item with TransUnion that appeared on my credit report that I still have no knowledge of on XX/XX/year> in the amount of {$560.00} TransUnion denied my claim and sent me no proof on why this item is on my credit report.
Product: Credit card or prepaid card

Today, XX/XX/2022, I received an email from American Exprss Serve card stating my account was permanently suspened for violating consumer agreements. However, I have not used my card since XXXX. I had XXXX left on the card I can not access. 

I tried calling the company but am immediately hung up on. I really need the XXXX dollars as I am going through a rough time financially.
Product: Debt collection

I HAVE A COLLECTIONS ON MY CREDIT REPORT THATS NOT MINE THE COMPANY HAS DECIDED TO Ceasing debt collection, telephone calls or other company-to-consumer contacts. XXXXXXXX XXXX WILL NO LONGER TRY TO COLLECT THIS DEBT
Product: Credit reporting

On XXXX I ordered my Equifax credit score through XXXX. The cost was {$7.00} which was taken from my account. I never received the report. When calling Equifax, they tell me that I never ordered a report. They say the transaction number is XXXX digits and mine is like XXXX. They told me to contact XXXX at ( XXXX ) XXXX which I did but there doesnt seem to be any way to speak to a person there. I am attaching supporting documents. I want my credit score report or a refund. I did not get what I paid for.
Product: Debt collection

This Debt is in Valid since it was a result of Fraud # XXXX {$740.00} XXXX XXXX XXXX   acct # XXXX i dispute the validity of this debt as fraud as i did when creditor was notified of fraud years ago. Cease and desist all collections and remove delete my name from all collection files by Global Credit Collection Corp.
Product: Debt collection

I started receiving calls in XXXX from Sentry Credit in XXXX, XXXX  XXXX stating that I owed XXXX XXXX. I contacted XXXX since I have never had a credit card with them, which they confirmed. I spoke with XXXX in the fraud department and she looked through their system. I informed Sentry Credit not to bother me with this and she continued to try to get my social security number in fact wrote me a letter trying to collect. I keep a tight reign on my credit even have a credit company to watch for identity theft, so I knew it was fraudulent. There is no telling how many seniors they are preying on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I have Mailed Equifax, XXXX and XXXX XXXX a request requesting deletion and update as to my Current Mailing Address Equifax, XXXX and XXXX XXXX is reporting incorrect Addresses on my consumer disclosure report ( s ) as a result of fraudulent creditcards or other services using my personal information. 

I have complied with the requirements from the bureau 's to confirm my identity and provided them with a legible copy of my State Issued Identification Card, Social Security XXXX  and Proof of Current Mailing Address along with the details of my dispute under the FCRA. 

The Bureaus continues to report erroneous unverified or fraudulent addresses and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting declined for an XXXX XXXX by XXXX XXXX XXXX XXXX for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC report.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am submitting this complaint regarding my credit profile, I've disputed these items XXXX with no change from the credit bureaus to update and or remove inaccurate information reporting .This issues negatively impacting my financial situation. 
I would like this CFPB to insure that these unauthorized and inaccurate items be corrected ASAP. I trust the CFPB to review this matter and insure that the complies with your applicable regulations. Thank you and Happy Holidays! 
below are account in question : XXXX XXXX XXXX  - ( incorrectly reporting and paid in full and was to be removed ) XXXX  XXXX- Not licensed to collect in my state. 
XXXXXXXX XXXX XXXX XXXXXXXX - according to FCRA this reporting well over 7 years, also is a collection reporting a balance. 
XXXX XXXX XXXX- This account is unknown with no proof. 
XXXX XXXX -According to the FCRA this account is a charge off and should not be reporting a balance, this is a violation. 
XXXX XXXX - no license to collect in my state.
Product: Credit card

XX/XX/year> contacted XXXX XXXX Capitol One to find out account number so I could pay if off with balance transfer. They have my account restricted as my boyfriend ( at that time ) tried paying it off and they want info from his bank. My boyfriend has since broken up with me and cut off all ties, I can not get ahold of him. I have been making all my payments but they have my account locked. 
They are charging me 30 % interest and I called them about doing a balance transfer to pay it off and they won't allow that. 
I don't know what to do, I will never be able to pay off the balance of {$4700.00} with that kind of interest. Why won't they allow a balance transfer of a card in my name. I feel like they are just taking advantage of me
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.
Product: Credit reporting or other personal consumer reports

This is the XXXX notice about these same inaccuracies on my TransUnion report. See Attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$27000.00}
Product: Checking or savings account

I tried using my card at XXXX it kept declining. My friend paid with his debit card from chase and it worked. They sent a letter the very next day XXXX XXXX stating that I cant use my accounts and that they would be closing soon. They also stated in the letter if I wanted to keep my accounts open I should call a XXXX number and every time I called the number I got misinformed. They restricted my accounts because of 2 forms that I submitted twice when opening the account and again on XXXX XXXX. They didnt look over what I submitted before freezing my account. I was out of town and had a funeral & didnt have access to my funds for a week. When I called the 1-800 number XXXX XXXX I was informed that my account would be back open in 48 hours and that wasnt the case. I was misinformed the whole way and had to suffer financially and emotionally for something that was their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I filed a complaint regarding information provided to my credit card XXXX by Equifax that caused XXXX to reduce my credit limit ( XXXX-XXXX ). As of this date I have not received any response from Equifax providing me with the same information they provided to XXXX or whether or not Equifax corrected my Credit Report. 
On XX/XX/2019 I sent correspondence to XXXX  XXXX  at their " dispute '' office in South Dakota requesting the information received from Equifax that prompted them to reduce my credit limit. As of this date I have not received any response from XXXX or their Dispute Office.
Product: Credit reporting or other personal consumer reports

Experian failed to due a proper investigation on the several errors on my credit report. Experian did not properly investigate ALL the disputes for every account linked to my social and has yet to remove them, the representatives that answer the phone lack accountability for the damage that they are causing. I ordered them to remove the illegal negative items on my credit report and gave them the consumer laws. I asked Experian the method that they use to investigate the negative items reported and they have failed me by not providing any information.
Product: Debt collection

I have been continuously disputing an account with Trident asset management and XXXX credit bureau. Both parties have failed to provide proof of debt other than replying with my name and address which is obtainable via the public. Tridents set management have not replied to two letters I sent them which violates the law. Both the collection agency " trident asset management '' and XXXX credit bureau has caused me XXXX with the back and forth about this account that they have failed to prove is mines for the past 6 months.
Product: Credit reporting or other personal consumer reports

Consumer has opened multiple disputes with Equifax credit reporting agency in attempt to correct wrong information on consumers credit report in regards to settled collection accounts that should be deleted from credit report. First account is : XXXX XXXX XXXX  current balance is showing {$13.00}, account had been settled XXXX still showing as open with {$13.00} past due as of XXXX. Please see provided documentation from XXXXXXXX XXXX in regards to the said debt, should be marked as paid and XXXX has agreed to remove from consumers credit report. XXXX also publicaly on their website also states they will delete tradeline from credit report. Next account : XXXX XXXXXXXX XXXX This account is also settled, and collection agency per their website XXXX XXXX stated they will delete tradeline from consumers report. This policy is public and posted on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX on XX/XX/2023 and the dispute came back verified and accurate with no explanation of method of verification this debt does not belong to me and I am a victim of identity theft I have no knowledge of the account AFNI, INC. that is listed on my credit report.