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

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. This is a fraudulent account, please delete and remove this account immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX  Amount : {$310.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the XXXX and XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person I noticed a new inquiry this morning from XXXX XXXX its no XXXX XXXX accounts Under The Doctrine of Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists The Fair Credit Reporting Act ( FCRA ) in the United States XXXX gives consumers the right to dispute and remove inaccurate inquiries from their credit reports : 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 


I will upload my inquiries picture then my account pictures
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021, I contacted CFPB because I assumed the credit cards I had opened were not being reported by the companies. I was wrong. 

They WERE reporting to XXXX, TransUnion, and XXXX, but XXXX refuses to report the credit correctly. 

I have 8 open revolving credit cards. I have 2 cards with XXXX XXXX XXXXXXXX, one with XXXX, two with XXXX  XXXX, one with XXXXXXXX XXXX, one with XXXXXXXX XXXX. 

I have a line of credit with XXXX, as well as XXXX XXXX XXXX, which is over two years old, and almost paid off. 

None of these open lines of credit are being reported on XXXX 's credit report. I have asked them over and over, and even spoken to a supervisor regarding this. 

The credit score is XXXX points LESS than XXXX 's. This I can not understand. 

TransUnion, the same. Why does XXXX report all of my credit lines correctly, and XXXX and Trans Union do not? I need help. 

I intend to fight to get this corrected because they are are deliberately hurting my ability to qualify to buy a home.
Product: Checking or savings account

I open an account with XXXX XXXX and after my first transfer, my account was frozen due to investigation with my ID and since then, I have been unable to get a response from them.
Product: Credit card or prepaid card

Purchases and payments totaling over {$15000.00} on a card with a {$8000.00} limit that were not authorized by me. My XXXX I.D . was hacked in XX/XX/2022. My personal Information was stolen. Spoke with XXXX and Goldman Sachs XXXX in XX/XX/2022 when I saw multiple fraudulent purchases and payments not made by me. XXXX specialist had me delete that i.d . and told start a new I.D . Specialist opened my disputes for the activity and closed the account. There were numerous emails and payment methods attached to the account that were not mine. All of my disputes keep getting reversed. This is the third time I have disputed and I have also filed a XXXX police reports.
Product: Mortgage

I am working with a program from the state called XXXX on XX/XX/XXXX they submitted a payment on behalf of my account to Citizens which was under the reinstatement amount. Citizens were supposed to waive the Late charges and property assessment due to working with the program. Since then Citizens has sent the check back to me in which I reached out to the attorney 's office and they reached out to Citizens for an updated mortgage reinstatement the late charges haven't been removed and overall all citizens is not assisting me with my issues
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete and remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name XXXX XXXX Account number - XXXX Amount- {$1100.00} Account Name XXXX XXXX Account number - XXXX Amount- {$820.00} Account Name XXXXXXXX XXXX  Account number - XXXX Amount- {$3500.00}
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that Experian will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX, Account Number XXXX
Product: Checking or savings account

Fraud claim has been made with Wells Fargo on XX/XX/XXXX Fraud claim number : XXXX On XX/XX/XXXX I have contacted WF in regards to 14 fraudulent transactions that I have discovered on my WF Joint Checking Account.

- 13 out of 14 fraudulent withdrawals have been reimbursed.

- The fraudulent activity on XX/XX/XXXX in the amount of {$280.00} has not been reimbursed. 

When, contacting WF I was told that this activity has been in excess of 60-days and could not be recovered from the 3rd party and there is nothing WF can do.

However, there were 7 activities prior to XXXX XXXX date that have been recovered with exact same fraudulent signature, but yet the activity on XXXX XXXX paused a problem. 

I would like WF to reimburse {$280.00} that has not been reimbursed to me. I suspect a possible flaw in their security protocols may have allowed a fraudulent party access to my banking checking account. 

Here are the fraudulent charges : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$61.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX {$310.00} - REIMBURSED XX/XX/XXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX  {$200.00} - REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$97.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$280.00} XXXX NOT REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$200.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX {$180.00} - REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$200.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$250.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Payment XXXX XXXX XXXX XXXX {$280.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay XXXX  to monitor my credit and I have worked hard to improve my credit based on their recommendations. However, when I apply for credit cards they provide me with a totally different number. Each organization has different scores, XXXX  has me a XXXX, Transunion has me a XXXX and XXXX  has me at XXXX. Even my bank which I have a credit card with is showing XXXX at Transunion. I have disputed and wrote letters and they are still all different with different information. I decided to apply for a credit card with XXXX and they have me at XXXX based on Transunion score. I sent this letter on XXXX to XXXX XXXX : Reference number : XXXX To whom this may concern : I recently applied for an XXXX XXXX XXXX XXXX Account and I feel the decision was based on the wrong reason ( s ). 

I have worked hard to improve my credit and my total score you provided was XXXX when my Transunion score is XXXX. 

I have XXXX collections on my account and no charge offed accounts I do not have recent delinquency, public record nor bankruptcy My bankruptcy is over 9 years old and will come off in XXXX of XXXX  None of my credit cards are over limit I will be contacting Transunion, XXXX  and XXXX  with this decision along with alerting the Bureau of Consumer Financial Protection surrounding the discrepancies. 

Again, Im working hard to improve my credit and like someone to contact me surrounding this decision. 

I don't feel it's fair that I'm working so hard however no one is on the same page.
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$220.00} Unauthorized fraudulent inquiries : 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 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 My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1

. Investigate and verify the accuracy of the debt reported. 2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 I was denied for my housing application because the housing background check found a case and automatically assumed I was evicted. I was never evicted the case was withdrawn and Im still being denied a roof over myself and my childs head for false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply put, Equifax has denied access to myself and my girlfriend over 20 times in about a year. XXXX and XXXX no problem. It is obvious they don't want us to access our credit report unless we pay their fees. My girlfriend was a Equifax member and we didn't encounter difficulty. After stopping the membership it has been impossible. She recently became a member again while on the phone just so that she can get help. It was obvious the lady helped her just to get her to be a member. They need to stop putting up barriers and be abusive of their power. A power that can easily be taken away. They are a private company yet think they are XXXX. They make many people I know feel powerless and impotent. They also cause many people to pay more because people need to purchase items yet have to pay more because they are through with the impossibility of accessing and correcting their report. I appreciate somebody putting a boot up their XXXX. Thanks. From a 20 year veteran and two war vet.
Product: Credit reporting or other personal consumer reports

I am formally disputing the fraudulent and inaccurate accounts that continue to appear on my credit report. I have repeatedly requested that your agency conduct a fair and thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), yet you have deliberately failed to do so. Your refusal to remove these fraudulent accounts, despite clear evidence of inaccuracies, is not only a violation of my consumer rights but also a knowing and willful act of fraud on your part. 

I have already taken the necessary steps to report these fraudulent accounts to the **Federal Trade Commission ( FTC ) ** and have filed an official complaint documenting your continued failure to investigate and correct these errors. Your agencys refusal to remove these fraudulent accounts while simultaneously profiting from data furnishers constitutes a blatant abuse of power and a direct violation of federal law. 


XXXX. **FCRA Violation Unauthorized Furnishing of Information ( 1681b ) ** - The companies and credit bureaus have reported and shared my consumer information without my explicit consent or permissible purpose.

2. **FCRA Violation Failure to Maintain Accuracy ( 1681e ( b ) ) ** - The credit reporting agencies failed to follow reasonable procedures to ensure maximum possible accuracy, as they have included accounts that are not mine.

3. **FCRA Violation Failure to Investigate Disputed Information ( 1681i ) ** - If these errors are not promptly investigated and corrected, it will constitute a violation of my rights under this provision.

4. **FDCPA Violation Attempting to Collect a Debt Not Owed ( 1692e ) ** - If any of these unauthorized accounts are being pursued for collection, debt collectors may be violating laws against using false, deceptive, or misleading representations in connection with the collection of a debt.
Product: Credit reporting or other personal consumer reports

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three  occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate. 

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions. 

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

I am a victim of identity theft and somebody applied for a XXXX XXXX XXXX XXXX credit card account ending in XXXX. The account is a fraudulent account and dont belong to me. I have never applied for a credit card account with Chase. I would like to apply for an account with Chase Bank, but Chase will not accept any credit card applications from me due to the fraudulent account thats not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian lowered my overall credit score. When I called member services to find out why, they looked into it and could not find any reason for the lower score. They would not correct. Sent me to a financial advisor but could not talk to an advisor unless I bought and identity theft package. Nothing on the report no fraud alerts, late payments or new accounts to dispute.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

WHEN LOOKING AT MY XXXX CREDIT REPORTS ITS A WELLS FARGO ACCOUNT SHOWING INACCURATE INFORMATION, ACCOUNT, LAST VERIFIED, DATE REPORTED, DATE OPENED, CLOSED DATE, CREDITOR TYPE, PAYMENT STATUS, TERM LENGTH, ARE ALL INACCURATE AMONG ALL THREE CREDIT BUREAUS .THE ACCOUNT IS ATTACH FOR PROOF.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 a 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: Vehicle loan or lease

On XXXX XXXX, there was a hard inquiry on my credit report for an auto loan that I was denied for.
Product: Credit reporting or other personal consumer reports

Upon checking my XXXX credit report, I noticed hard inquiries from the following companies that I did not initiate or authorize. Please remove the following inquiry from my credit report immediately as this is fraudulent activity. Thank you in advance. 

XXXX XXXX XXXX on XX/XX/22 21st Mortgage on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After I paid online it went straight back to make a payment screen. There was no confirmation that I made a payment. So I called the company Rubin & Rothman and made a payment again, as I was told a glitch in the system mustve happened and my payment didnt go through! Then when I asked for a confirmation number to be sent to my email I was told a third party handles that and they would be sending me a letter in the mail. This is my second time making a payment to this debt collector and I have not received any confirmation by email or by snail mail yet. So please advise as I am unable to obtain proof of payment made.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX currently have a fraudulent account appearing on my credit report. I have listed all supporting documentation.