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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a natural person, I am a. Living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over ten years now, Equifax has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by Equifax reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX   XXXX & XXXX, XXXX. And my phone number is : XXXX. 

Equifax must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax while experiencing " maintenance '' issues for 15 calendar days,24 hours/day was unreachable online to conduct a dispute.I called their '' fraud dept. " at XXXX to conduct the dispute.They refused to conduct a dispute because they failed me on account balance questions that vary every single month, and since XXXX can not produce an Equifax credit report I can not see the answers to their unschooled questions after having to listen to XXXX instead of English for 15 minutes, therefor I am here today.

On Equifax bureau, XXXX XXXX/XXXX  ACCOUNT NO. XXXX IS REPORTING INACCURATELY. 
THE CREDITOR TOLD ME ON THE PHONE THAT THEY WOULD TAKE CARE OF IT, BUT HAVEN'T .... POSSIBLY ( IT COULD BE EQUIFAX ERROR ) THE ACCOUNT IS CLOSED AND THERE IS 0 BALANCE NOT ... ... .OPEN AND {$75.00} BALANCE.CORRECT OR DELETE.
Product: Mortgage

Hello, I am out of the country. Received a payoff quote and paid my mortgage off online on XX/XX/XXXX of 2022. Mortgage company accepted my payment but did not acknowledge a payoff and keeps my mortgage open with remaining principal balance. Now I have to send them an additional funds to close the mortgage. The name of the company is Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative/fraud. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

poorest mutual communications & understanding. gestapo " got ya '' interrogations. 
PFCU has evolved to become to smart for their own good, my case, my opinion highly provocative, condescending arrogance, one way communication, our way or the highway mantra, of which most reasonable individuals would consider omnipotent. 

pride themselves as professional controllers with all the answers -- applicant is guilty on any questionable issue until they can prove their innocence PFCU has wonderful HRs and Tech Data systems but mesh the two poorly member can not refute PFCU without their reprisal Per my case, obviously, these are only PFCU best qualities, the worst to follow Provoked my graphic expletives superseding my medicated total disability debilitation, intentionally, upon each attempted communication, once adversarial relations progressed at each stage of their unwarranted denial, challenges & condescending
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in XXXX v. XXXX XXXX XXXX XXXX XXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and  hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
Product: Checking or savings account

Chime Financial sent me a series of emails stating an account was opened in my name. My employer, the University XX/XX/XXXX, had a data leak a few years ago. The University system has created a PDF document stating that there is an 'outbreak ' of Chime accounts created using the stolen data. Here is the catch My gmail address is : XXXX Chime has it as : XXXX A feature of XXXX is that I will receive emails addressed with our without the ". ' The thieves likely know this. In my correspondences with Chime, they state they will only close the account if I send it from the registered email address, which lacks the ". ' This is not possible, and so I'm stuck. When I call, the bank asks for personal information, which I will not provide due to concerns of further fraud and damage to my credit and finances. I am a victim of their practices and I do not know what further actions I can take.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding my identity theft dispute. 

Over 20 days ago, I submitted an identity theft dispute to all three credit reporting agencies. According to the FCRA, they are required to investigate within four days and either block the fraudulent information or provide a written denial with an explanation of why the block was not granted. 

To date, this company has nit responded to my dispute, violating their legal obligations under the FCRA. This delay in action has caused me significant harm, as fraudulent accounts continue to appear on my credit report, negatively affecting my credit standing. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion, XXXX, and XXXX comply with federal law, and that they immediately address and resolve my identity theft dispute. 

I appreciate your attention to this issue and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation.
Product: Debt collection

An account was opened in my name approximately XX/XX/2018 through PayPal lnc. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX was not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called PayPal lnc . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to PayPal on XXXX XXXX requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.
Product: Bank account or service

Based on the following Washington XXXX XXXX I attempted to open an online checking account with CapitalOne 360 : Capital One to stop using program to weed out customers with history of account overdrafts By XXXX XXXX XXXX XXXX, 2014 Capital One Financial said Monday that it will no longer use a popular screening program to weed out potential customers with a history of overdrawing their accounts, an industry-wide practice that has pushed thousands of people out of the banking system. 
Unfortunately, after providing some basic info to the CapitalOne site, I received the following message : Looks like we could n't open your account. 
Be on the lookout soon for an email with more details. 
We know this is n't the news you were hoping for. We declined your application based on information we received from XXXX a consumer reporting agency. We 'll send you an email shortly with more info. If you have questions in the meantime, you can contact XXXX at XXXX or XXXX a new window. 
It appears that CapitalOne is still denying applicants based on XXXX and I wish to file a formal complaint for non-compliance by CapitalOne.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a complaint with CFPB against Equifax. CFPB notified myself, CFPB had submitted my compliant to Equifax 0n XX/XX/2022. On XX/XX/2022 Equifax closed the complaint without removing the inaccurate information off my credit profile, since XX/XX/2022 I received a letter from XXXX stating, XXXX has failed to verify any of these inaccurate items and has removed the items from my XXXX profile. 
As a consumer Equifax has violated my rights for the past 2 years. Listed below are the inaccurate items Equifax are refusing to remove off my credit profile although I've tried relentlessly disputing these for quit sometime with Equifax.

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX ( this was never late, item paid in full ) this item was never late!!!!!!! 
3 ) Bankruptcy XXXX XXXX 4 ) Bankruptcy XXXX XXXXXXXX 5 ) XXXX XXXX XXXX ( Equifax is reporting this item twice on my credit profile ) this item was paid in full never late!!!!!!

I want Equifax to remove all inaccurate items listed above off my credit profile ASAP!!!! Or I'll be taking LEGAL ACTION!

Equifax has failed to read an understand : 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collectio
n practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report that I have no knowledge of. 

XXXX : XXXX XXXX XXXX  on XXXX XXXX XXXX : XXXX XXXX XXXX on XXXX XXXX XXXX : XXXX card services on XXXX XXXX I havent dealt with any of these companies and have not given them permission to pull my credit report.
Product: Checking or savings account

Chase Bank advertised promotion bonus of {$900.00} for opening new accounts in early XXXX. I retrieved the promotion e-mail link and opened both checking and savings account with Chase according to the steps that they directed in XX/XX/year>. I opened the accounts because of the bonus offered by Chase and was willing to comply with all of their terms for such. As of late XX/XX/year> I met all the criteria for the bonus in terms of the requirement for direct deposits, account balance, timeframe. This week when I reached Chase to inquire the status of my bonus, they simply responded multiple times that I was not enrolled in the promotion program ( bonus ) on their record and refused to honor their offer. I explained and submitted evidence to Chase but they repeatedly refused to honor the bonus as they originally advertised.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5.

It has unequivocally come to my attention that NAVY FCU has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card or prepaid card

I was notified of fraudulent charges on my HSBC credit card via text message on the night of XX/XX/18. This notification was due to the charges exceeding my credit limit of {$5500.00} for the card. I immediately declared these charges as fraud via text message response to freeze my credit card. After reviewing my credit card statement online, it showed 12 fraudulent charges from XX/XX/18-XX/XX/18, including a {$4700.00} charge at a furniture store. These transactions totaled to {$5200.00} worth of fraudulent charges added to my balance. I subsequently called the HSBC 's fraud hotline, but was unable to get in contact with a customer support representative. I later received a voicemail from the a representative from HSBC 's fraud team on XX/XX/18. But when I attempted to reach that number, I was still unable to get in touch with a representative to help me with the issue. On XX/XX/18, HSBC charged the outstanding balance of the credit card, which includes all the fraudulent transactions charges, directly from my XXXX 's checking account without notice. I continued to contact HSBC fraud support multiple times, and was finally able to reach a customer representative to file a fraud claim. After receiving the fraud claim application by mail on XX/XX/18, I received a fraud claim denial on XX/XX/18 before I was even able to submit the fraud claim to HSBC. Following this, I filed a police report on XX/XX/18 for grand larceny, and sent both the fraud claims and police report to HSBC 's fraud investigation team after I received the physical police report on XX/XX/18. Since then, I have routinely followed-up with my case investigator from HSBC, and he is unable to provide any updates to their investigation, or resolution for my charges. On XX/XX/18, I received a check from HSBC for  {$240.00}, which still leaves {$4900.00} of the {$5200.00} to be refund to me. On XX/XX/18, I contacted the police station to follow-up on the status of the police investigation, and I was told that the case had been closed because they were unable to find security footage from the furniture store, and tracking of the shipment address led to a fake address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are and have been for over 4 years reporting inaccurate payment history of my 'XXXX  '' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. Experian has me making no payments on XX/XX/XXXX and XX/XX/XXXX and XXXX says I made on time paymentsXXXX and XX/XX/XXXX. When I called XXXX today XX/XX/XXXX, XXXX has no record of me making any payment since XXXX. XXXX will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with XXXX as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. XXXX XXXX XXXX, XXXX, and Experian refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX