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

After learning that my social security number may have been compromised in late XXXX, I initiated a security freeze with all three agencies. I have been calling them to find out how I can ensure that the freeze does not lapse. I had NO PROBLEM with XXXX ; they asked what state my freeze was initiated in and said it would expire early next month. They helped me over the phone to terminate the soon-to-expire freeze and immediately initiate a new freeze with a new 7 year time limit. 
Both TransUnion and XXXX said they do not allow security freezes to expire. In each of these cases, I reached an overseas call center in XXXX. Even though I cited the Pennsylvania statute stipulating that security freezes will expire after seven years, they insisted they would not. Assuming the PA statute is in force, my freeze with TransUnion will expire on XXXX XXXX, XXXX, and my freeze with XXXX will expire on XXXX XXXX, XXXX. I am concerned that in spite of their assurances, their system will conform to the law and my freeze will be allowed to expire. I plan on calling again on the expiration date, but expect to hear the same thing.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

1 ) XXXX XXXX XXXX ( XX/XX/year> ) 2 ) XXXX XXXX XXXX ( XX/XX/year> ) Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX. Account XXXX : XXXX XXXX Date Listed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Date Listed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Date Listed : XX/XX/XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting

Experian is stating the courts is Reporting a Bankruptcy Docket # XXXX which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Experian pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Expressed to Equifax, XXXX, and XXXX ( not XXXX ) on several occasions to remove certain addresses on my report but they have not. I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). 

This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the po box that I put in the following letters. 

I have labeled the letters for each company and each letter includes personally identifiable information. 

Please not that by law you may not furnish any information and or adverse information without my handwritten consent. 
-15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 )
Product: Checking or savings account

WELLS FARGO BANK XXXX XXXX. 
I HAD IDENTITY THEFT ( STILL DO ) i HAVE WORKED WITH MY BANKS AND THE ONLY ONE THAT HAS NOT HELPED IS XXXX. 
THEY CALLED POLICE FOR ELDER FINANCIAL ABUSE, I WENT THRU 6 MONTHS OF BANK PRINTOUTS. FOR THEY PROMISED TO PAY ME BACK BECAUSE XXXX MOS OUT OF THE XXXX THEY KEPT SENDING DEBIT CARD TO MY HACKER, NOT ME. I DID NOT HAVE A CARD FOR 4 MONTHS. XXXX POLICE REPORTS, FTC, CREDIT CARD FRAUD, MAIL FRAUD ETC. EVEN FBI. SO INSTEAD OF HANDLING IT AS PROMISED THEY CLOSED MY ACCOUNT " LOSS PREVETION DENIED MY CLAIMS AS HIGH RISK '' THE BANKER WAS ALSO MAD AND ESCALATED COMPLAINT FOR I HAD WORKED WITH HER FOR 2 MONTHS, STILL NOTHIING. i AM OUT APPROX XXXX FROM BANK AND OVER XXXX ONLINE. SHE STILL IS TAKING MY CLIENTS MONEY BUT NOBODY WILL HELP ME! I AM NOW HOMELESS AND ABOUT TO LOSE EVERYTHING ELSE.
Product: Credit card

I applied at a bank on XX/XX/2016 for a credit card and received an immediate reply dated XX/XX/2016 that denied me the card. The letter from the bank stated, " Our decision was based on the following specific reasons : Not enough accounts opened long enough to establish a credit history. '' As a matter of fact, my credit history includes ; a mortgage for a home which I repaid without any late payment penalties, a checking/debit account held for about 25 years with XXXX bank and with no overdraft penalties, 14 years of paying rent at the same location without a late payment, and at present I am debt free. 
None of this history was requested by the bank when the application was made. Instead, there was a supposed reliance upon a third party to provide the information, so that the very attractive credit card product, that was advertised with many perks, would go to someone with a good credit history. If I do n't have a good credit history then who does? And now it is on my shoulders to prove the third party is wrong. 
It appears to me, that this is a way that the bank can deny accountability for their decisions, and thereby skirt the laws regarding the Federal Equal Credit Opportunity Act by using unwarranted barriers and by not making sincere efforts to actually be specific in their response to my application for a credit card. Your kind attention to this would be appreciated. 
Also, let it be known, that I have now received in the mail, and for the first time, solicitations by another credit card company offering a similar but lesser credit card product. It is questioned, is this a financial form of bait and switch?
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion violated my rights and did not follow the procedure in case of accuracy. 
I file a dispute XXXX/XXXX/2022 and the company continues to extend the dispute results date. No extension was granted because my dispute did not qualify for XXXX. 

Transunion is not following regulations pursuant to 15 1681i ( a ) ( 1 ) ( a )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card

I was charged multiple cash advance fees given a peculiar situation in while traveling in XXXX I had to withdraw money from ATM using the Discover card but the XXXX government banned all ATM and only allowed for a person to take out only XXXX which equals roughly around {$30.00} dollars. Given the circumstances I made multiple ATM withdrawals on the same day to have the ability to survive. Discover charged me {$5.00} per every {$30.00} I was only allow to withdraw and refuse to waive the multiple fees since it was an unavoidable issue. Total of {$75.00} in fees.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 XXXX credit reporting 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with a balance of {$1100.00}. 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 # ( private case number ) 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.What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Checking or savings account

So I contacted Chase about opening an account with them, and was told that I had already opened one with them before, but I HAVE NEVER HAD A BANK ACCOUNT WITH CHASE EVER IN MY LIFE.!!! My identity was compromised, as Ive been rectifying the damage for the past few years, cleaning the damage up.! I just found out who these people were when they started building them all across my city, which was early this year, which then prompted me to look into them, because I was looking to open a new checking account. The account they have with my credentials is a fraudulent one, and is NOT MINE!!!!! IHAVE TO GET 5 or 6 FRAUDULENT ACCOUNTS REMOVED AND THIS IS NO EXCEPTION!!!!! I WANT A CHECKING ACCOUNT WITH CHASE BUT THEY ARE SUPPORTING A FRAUDULENT ACCOUNT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of The Fair Credit Reporting Act XXXX XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

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

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

XXXX hired Financial Asset Management Systems to collect on my student loan. Financial Asset Management Systems ( " FAMS '' ) is engaging in deceptive debt collection practices. I had setup an automatic payment using FAMS ' own online payment system for XXXX 2016. For some unknown reason FAMS cancelled the automatic online payment for XXXX 2016, which made me allegedly late for my monthly payment. I have attached a screenshot of FAMS own online payment system. I went back and checked FAMS online system on XXXX XXXX, 2016 and noticed that XXXX had cancelled the payment and I made the payment on XXXX XXXX, 2016. The attached screenshot shows the cancellation from XXXX. To top it off, XXXX is trying to modify my credit report as a result of FAMS ' illegal debt collection tactics because XXXX is no longer reporting the payment arrangement to my credit report ( {$250.00} per month, 0.001 % ) with any of the credit reporting agencies which I 'm assuming is a result of FAMS ' action of canceling my monthly payment for no reason. There is no reason FAMS should have cancelled the monthly payment. FAMS is engaging in flagrant violations of the Fair Debt Collection Practices Act.
Product: Checking or savings account

I wrote a check for {$6000.00} on XX/XX/XXXX for an estimated tax payment for the XXXX tax year. Because it was an estimated payment, and the check was cashed for that same amount, I did not realize it had been cashed by someone other than the IRS until nearly a year later. Someone had erased Internal Revenue Service in the Pay to the Order of line, and replaced it with their name, XXXX XXXX. However, the memo line was not erased or replaced and STILL READ : XXXX Form XXXX and the last XXXX digits of my social security number, thus making it clear to both the paying bank ( XXXX XXXX XXXX and the depository bank XXXX Bank of America XXXX XXXX the check had been altered. Because it was more than XXXX  days since the writing of the check when I contacted XXXX XXXX ( the paying bank with whom I have an account ) in XXXX of XXXX ( immediately after the IRS informed me I was {$6000.00} short in my estimated tax payment ), XXXX XXXX refused to either pay the money or go after Bank of America ( the depository bank ) for breach of warrantee. ( The depository bank, under XXXX XXXX and XXXX warrants that the check is not altered and the endorsements are not forged or unauthorized ). The paying bank has XXXX years to make a breach of warrantee claim. I also went to my local law enforcement agency last in year in XXXX immediately after being informed by the IRS, and they have yet to resolve the matter, although I have been talking to them for over a year now. Because XXXX XXXX has failed to act in my interest, even though I filed a complaint with the cfpb with them recently, I am filing a complaint directly against the depository bank, who cashed a check that was clearly fraudulent, which is Bank of America. I tried to go to Bank of America directly but they said they could not help me because I did not have an account there.
Product: Checking or savings account

On XX/XX/XXXX my bank account was over drawn. Due to my XXXX XXXX XXXX, I made a purchase to pick up groceries at XXXX XXXX XXXX. After having someone pick up my items, my receipt showed that I was charged XXXX for one pack of thin chicken breasts, when the initial price was {$7.00}. It appears that the weight of the chicken was scanned incorrectly causing the total of my 15 items to equal XXXX. After this occurred, I opened a fraud claim with my bank on XX/XX/XXXX, reached out to XXXX to launch an investigation for shoppers fraud, and filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX, The Division Corporate Affairs Manager for XXXX reached out to me directly via email on XX/XX/XXXX. In the email, it was admitted that an error occurred, I was wrongly charged for the chicken, and a refund in the amount XXXX of would be processed to my account. On XX/XX/XXXX, XXXX reached out to me an informed me that the refund was successfully processed on their end. A provisional credit was applied to my account on XX/XX/XXXX. On XX/XX/XXXX, I was able to go inside the branch to make a withdrawal from my account and speak with a banker. I spoke with a banker name XXXX XXXX at the XXXX XXXX location. When speaking with this banker, I informed him that I wanted to ensure the fraud investigation that i launched was ended because I received a refund from XXXX XXXX XXXX. I was told by this banker, the back office would see I received a refund and the investigation would be stopped. On XX/XX/XXXX I received a letter from BMO saying my fraud claim was denied because the merchant provided proof of a valid transaction and the provisional credit that was applied was revered, causing my account to become negative in the amount of {$1000.00}. On XX/XX/XXXX, I went to the branch and spoke with the same banker. I wanted him to clarify why my account was negative and why the provisional credit wasnt reversed when I notified the bank of receiving the refund. I informed the banker that I no longer wanted to continue my business with BMO as I can no longer trust them with my funds or protection of my account. I completed all the necessary steps I needed to take to ensure that all parties were in accordance and that my funds were recovered properly. There was a miscommunication between the bank, myself, XXXX. I believe that BMO is at fault for this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with XXXX and 13 with XXXX  along with experian none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.

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