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

XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT REPORT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOCATION TYPE THEFT TYPE METHOD OF ENTRY PT OF ENTRY ENTRY LOC REPORT FILED FROM TRACKING NUMBER LOCATION OF OCCURRENCE INCIDENT CODE INCIDENT TYPE INITIAL SUPP DATE/TIME STARTED DATE/TIME ENDED DATE/TIME REPORTED XXXX XXXX APPROVED BY : METHOD OF EXIT PT OF EXIT PERSON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TYPE LAST NAME FIRST NAME DOB RACE SEX DRIVER 'S LICENSE LIC ST HOME PHONE WORK PHONE RESIDENCE ADDRESSEMAIL EMPLOYER NAME BUSINESS ADDRESS SSN ETHNICITY RESIDENT EYE COLOR HAIR COLOR AGE HEIGHT WEIGHT CELL PHONE *** *** MIDDLE NAME My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Fourteen fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Someone ordered service in my name without my permission or knowledge, phone number, email or signature. Rash and Curtis pulled my identifying information from a previous matter that was in their office. they stated they received my information from their client, but i have a recording with their client stating they do not collect that information. Rash and Curtis lied about receiving my personal information from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Requested multiple times that the company cease and desist all communications other than mail and Wells Fargo Home Mortgage still continues to call and harass me. 
I have told them to stop calling many time verbally and in writing. 
My health is not well and my doctors told me I require assistance Wells Fargo Home Mortgage continues to not comply with the lawful notices Ive sent them Ive verbally confirmed with Wells Fargo Home Mortgage on a RECORDED LINE that I have authorized my XXXX XXXX to handle this account. He is currently in charge of all of my finances and accounts and has my authorization as well as in writing and confirmation by a 3rd party witness, an employee named XXXX who called from Wells Fargo Home Mortgage the conversation was recorded on both ends mine and Wells Fargo Home Mortgage where I explicitly authorized my son XXXX XXXX of Attorney concerning this account and matter. The representative insisted that it needed to be in the form of paperwork but I know that is not true. My son is of age and of a sound mind and has the capacity to contract. This is Elderly Abuse and Harassment my son will be filing lawsuits I just am not sure when but he is now handling all of my affairs. I want this to be made clear and in writing so there can be no confusion of what I, XXXX XXXX have said and want put on the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, with XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have in several occasions asked over the phone that these collectors to send me proof via mail of this so called debt that I have with them. I do not know who they are and I have never entered into business with them. To this day, I only receive daily phone calls which I choose to not answer. First contact to request proof XX/XX/XXXX/2019. Second request XX/XX/XXXX19. Third request XX/XX/XXXX19. I would like for their phone calls to stop. My voice mail isn't set up with my name and yet they leave personal information messages on it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against EQUIFAX, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis.

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights.

3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.
Product: Checking or savings account

I received an offer in the mail to get a {$400.00} bonus if I opened a new Platinum Checking account by XX/XX/2018 and made a single {$1000.00} direct deposit within 60 days. I opened this account in branch and the specialist helping me took the mailer from me that I received and entered the Offer Code assigned to me online as required. 

The offer states the {$400.00} bonus will post to the account within 90 days after the direct deposit posted. 

I opened the account on XX/XX/2018 and a direct deposit of {$2500.00} posted on XX/XX/2018. 

I've tried communicating with Citizens Bank multiple times via their secure message system - they never get back to me or tell me to wait longer. Their phone system is a mess.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern about the multiple attempts I have made to verify and remove inaccurate accounts, specifically late closed accounts and charge-offs, from my credit report. Despite my persistent efforts, these inaccuracies continue to adversely affect my creditworthiness and financial standing. I am writing this letter to bring this matter to your attention and request an immediate resolution. I am well aware of the significance of accurate credit reporting and how it influences my ability to secure loans, credit, and other financial opportunities. The presence of these inaccuracies on my credit report has caused significant financial harm, including higher interest rates and difficulties in obtaining credit. I respectfully request that your bureau takes immediate and thorough action to investigate and remove the inaccurate accounts mentioned below from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct these inaccuracies, along with a timeline for their removal. Clarity regarding this process is essential for me to understand when the issue will be resolved. Should these inaccuracies persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed the following accounts : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXX Balance Owed : {$2900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX Balance Owed : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX account errors as follows : 1. payment history for 2 years when there was no payment history past XX/XX/XXXX which was the last payment date. 

2. shows " paying as agreed '' when the account was closed in XX/XX/XXXX. 

3. the fact that there is payment history showing for XXXX that skips XXXX and completely ignores the fact that there has been no activity since XX/XX/XXXX but shows activity for XX/XX/XXXX when the account was closed in XX/XX/XXXX is completely and utter errors of Equifax XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 


( Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ( EMPLOYER - XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and frustration with the repeated unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications, these fraudulent entries persist, causing significant harm and distress. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my financial standing and reputation. These unresolved fraudulent entries not only affect my ability to access credit and financial services but also undermine my trust in the integrity of your institution and the financial system as a whole. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling helpless and frustrated. 

As a valued customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my financial information. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, RI XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

XXXX Account Number : XXXX Account ID : XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX I Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXXXXXX XXXX XXXX XXXX/ Account Number : XXXX XXXX XXXX  Account Number : XXXX Account ID : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of 4 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 

Account Name1 : XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX : XXXX Account # XXXX Account Name XXXX : XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These 4 accounts have violated my rights.

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c. ( a ) ( 5 ) Section States n
o 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 and antedates the report by more than seven years.

15 U.S. Code 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: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been leaked several times now, Experian AND XXXX  HAVE A RESPONSIBILITY TO PROTECT PERSONAL INFORMATION. MY CREEIT CARD AMOUNTS HAVE INCREASED IN THE PAST AND MY REPORT WAS NOT AFFECTED OR IT ONLY DROPPED A COUPLE POINTS ... .TODAY I LOOK AND MY XXXX CREDIT REPORT DROPPED OVER 40 XXXX POINTS! I want my credit rating restored to 700 and for Experian to no longer have access to my personal information. These credit ripoff agencies are causing monetary damages and more. I'm going to contact a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied snd these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info
Product: Credit reporting or other personal consumer reports

So on or around about XX/XX/year> somebody applied for new credit under my name and Ive been trying to dispute this inquiry with the credit bureau equifax and theyre not being transperant or practicing under the fair credit reporting act I am a victim of identity theft and I keep stating to this creditors immediately so they can rectify the situation
Product: Checking or savings account

Bank of America is using my home address for what appears to be a fake account, I do not have an account with BOA. In addition to BOA using my home address for this account the name on the account is XXXX  ( XXXX XXXX ). I've been in contact with a CEO of XXXX XXXX located in XXXX  and they do not have a BOA account ; BOA has an account setup for XXXX XXXX sending statements/correspondence to XXXX XXXX  . I've made several unsuccessful attempts to handle the matter with BOA and still get a statement/correspondence every month sent to my home address since XXXX.
Product: Vehicle loan or lease

I received a loan from fifth third bank to purchase a new vehicle. I called them in  XXXX    2017   and asked for a full payoff amount. I specifically asked how to accomplish that and was given a number. I went to their website, accessed my account and paid that amount in full. my account showed a  XXXX  balance. I was told by the representative for fifth third bank that my title would be maile d in 2-3 weeks. I did not r eceive the title and in fact, received an invoice for a full installment payment of  XXXX  dollars abo ut 6 week s after I had already paid the full balance. this was accompanied by a late payment notice from the bank! I called them and they admitted the invoice they sent me was fraudulent and instead they insisted I pay an interest / penalty amount of  XXXX ! I am going to sue them for fraud and breach of contract but I would also like this to be investigated. this is clearly a scam they are using to jam consumers for more interest payments and penalties when they go to pay off their loans. these scammers need to be stopped.
Product: Credit card or prepaid card

XX/XX/19 contracted with moving company to move sons possessions from one location to another. We were located 250 miles away and could not assist but we paid for the move. The company called us and said the move was done well, so we paid for the move and a tip. Then son contacted us upset that only 1/2 items  were moved and some were broken. Contacted moving company immediately on XX/XX/XXXX My husband also had to drive 250 miles, get trucks and finish the move. 

Moving company said they would review. Called multiple times. Requested their paperwork which was to be signed showing move was ok. They admitted no one signed this but refused to reimburse for poor moving services and broken items. We then disputed the charges of {$560.00} with Chase. Sent in dispute form and all receipts. Chase closed dispute saying they hadnt received the information on their system ... even though this was sent 3 times by fax and secure email. Had to resort to mailing all forms again in XXXX. Then merchant sent a fraudulent form where he forged my signature saying move was ok. I provided copies of all our signatures to Chase to show this was a forgery. Also provided text messages from merchant where he admitted the fraud and promised us he had sent this to Chase through his XXXX banking. 

Chase still refused to honor our dispute. A fraudulent transaction, when identified as such by a credit card customer, must be honored in a dispute. We can not he charged more than {$50.00}. We provided all evidence, including all emails and texts where the merchant admitted the fraud. Yet Chase still honored the merchants charge of {$560.00}. 

Can provide more documents as needed in addition to the texts where merchant admitted fraud