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

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

XXXX XXXX Charge-off {$5700.00} XXXX XXXX XXXXXXXX XXXX Charge-off {$4400.00} XXXX XXXX XXXX XXXX Charge-off {$6700.00} XXXXXXXX XXXX XXXXXXXX XXXX Charge-off {$460.00} However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX I received a communication from XXXX XXXX a collections agency. On this date I was advised that I had a charged off loan with Affirm for {$1600.00} in association with XXXX. I reported this as fraud and the representative advised she would submit this back to Affirm has fraud. Immediately, I contacted Affirm and reviewed my loan information. They had XXXX loans on file under my information but only XXXX were rightfully mine ( XXXX, and XXXX both paid per agreement and in good standing ). The remaining XXXX that do not belong to me with Affirm were XXXX, XXXX XXXX and XXXX. I have initiated a fraud claim and currently waiting communication. I have also offered to provide a letter of security breach sent to me by my previous mortgage provider XXXX. This letter outlines the details of a security breach they experienced from XXXX XXXX XX/XX/XXXX where my information was compromised. I currently await a communication regarding my fraud dispute to provide them with this letter. I have also submitted this letter and fraud investigation with XXXX, along with a credit report freeze and fraud alert on my credit report that has been sent to all three reporting agencies. At the current moment my XXXX XXXX dispute is in progress, and I was advised to initiate a complaint via XXXX or a police report regarding this credit report dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, and Equifax all reporting a credit card negatively. XXXX XXXX XXXX Bank ending in XXXX in the amount of {$920.00}. 
Transunion has 82 credit inquires. None are mine, Equifax fixed the inquires on there report but XXXX   and XXXX are reporting incorrect/fraudulently made inquires still. 
Equifax reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 XX/XX/2016
Product: Credit card or prepaid card

I am trying to dispute three unauthorized charges on my credit card done by XXXX tourist department on XXXX. 
The card charged was my Navy federal credit union XXXX card. 
After I found out that there were XXXX separate charges on my card, I contacted Navy Federal Credit Union right away. I was really expecting them to investigate and reverse the charges but instead they asked me receipts or any documents. Since I didn't authorize the charges, obviously I do not have any receipts nor documentation. 
Now I don't even know what to do with charges on my card showing total of {$460.00}.
Product: Debt collection

My name is XXXX XXXX and I am in the process of improving my credit. My health insurance should have covered this medical expense and therefore I beleieve I should not be held libaile for this debt. My goal is rebuilding my credit score and these remarks are hurting my credit. Getting these remarks remove would Shorten the obstacle on improving my credit score. 

amcol systems inc $ XXXX XXXX XXXX. 
{$1300.00} XX/XX/2017 XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating. 

Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation.

Please provide the following : The names and business addresses of each individual you verified the information with, so that I can follow up.

The date on which you contacted the individual information furnishers.

The method of communication used to verify the information.

I also want to know if the furnisher provided you with my SSN, address, or DOB. 

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. 

Your cooperation and prompt attention are legally required.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is displaying a late payment record for a credit card account. XXXX  claims that no late report was issued to the credit agencies. ( See chat transcript ) I want the negative information removed, as the payment was not late per XXXX!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were LATE and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and late, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

Further more pursuant 15 U.S.C 1692 ( e ) ( 3 ) False or misleading representations. 
A debt collector ( IQ DATA INTERNATIONAL ) may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
You IQ DATA INTERNATIONAL have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately.

Further More You IQ DATA INTERNATIONAL are attempting to collect an alleged debt where the so called original creditor has falsely represented the character and other Violations under 15 U.S.C 1692 e that you are implementing yourself in.

Violation : 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692 ( 2 ) ( A ) 15 U.S.C 1692e ( 3 ) 15 U.S.C 1692 ( 6 ) ( B ) 15 U.S.C 1692 ( 9 ) 15 U.S.C 1692 ( 10 ) 15 U.S.C 1692 ( 11 ) Adversely reporting comments on my Consumer Report 's in violation of the FCRA state 's " Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department '' This statement is a violation of my rights to individual privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Please remove/block the this account as they are fraudulent & was opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX Opened : XX/XX/2016 Balance : {$560.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XX/XX/XXXX XX/XX/XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

On XX/XX/2021 Quicken Loan contacted me offering some rates and costs for a possible 10 year refinance home mortgage. The person from Quicken Loan I talked to was Mr. XXXX, XXXX ( XXXX ). XXXX XXXX was very insistent trying to convince me, that the offer he was giving me was a great one and that I had to take it otherwise it might be gone the next day. I have to say I was Quicken Loan Customer time ago so I just asked this person to send me an e-mail with the details of the offer or post it in my Rocket Mortgage account for me to review it later on and reach back only if I consider the offer to be convenient for me. 

To my surprise my wife and I received, fist on XX/XX/XXXX, a copy of our corresponding credit reports Quicken Loan throw XXXX had pulled out on our behalf and on XX/XX/XXXX we received a Loan Estimate Package # XXXX containing additional credit reports being pulled out from XXXX, XXXX 

After trying to get clarification from Quicken Loan XXXX XXXX, XXXX XXXX ) they argue now that in fact gave them approval to move forward with this which is 100 % false. They are saying not only that I gave them approval to pull out our credit reports but that I provide them my SSN, which never was subject during our conversation. My wife was not even in the call, so it is not possible for her to had given approval for this. 

I am very concern now about? 
- The way Quicken Loan is misusing people 's information, new costumers and old customers like in our case. 
- I consider this to be a fraud, maybe only from some agents who might be getting a commission every time they get at least a Loan Estimates sent out, I do not know. But I believe this needs to be addressed.. What if it becomes something bigger and they start now closing refinances with the clients not even knowing about it - Our credit reports got damage. They decreased already XXXX points as a result of this fraudulent action.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Please see attached documentation and proof that Experian is in violation of pursuant to 15USC1681 ( a ) ( 1 ). in referfence to my Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports and not accurate and they are taking out points instead of giving me points on my paid credit cards balance. The credit report shows different balance and recently they took 27 points away from me because base in the information you provided was negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection amount to XXXX  was paid in full. You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to XXXX XXXX, and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of XXXX XXXX, and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely.
Product: Mortgage

This event has happened approximately 8-10 times. When I make a principal payment mid-month, they charge me interest and escrow. I have to call them back and have someone fix it, and sometimes it takes several calls. We have only had the loan for a year.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/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 TransUnion 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 the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaint # XXXX : Credit Card Account : Opened at XXXX XXXX  ( Wells Fargo Bank ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$3300.00}. 

These fraudulent activities have also resulted in several hard inquiries on my credit report, which I did not authorize. Below is a list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts and related hard inquiries have caused harm by negatively affecting my credit score and overall financial health. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts or hard inquiries. The accounts and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting duplicate medical collections on the following accounts : XXXX XXXX XXXX {$140.00} XXXX  XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX XXXX {$250.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX  XXXX XXXX {$560.00} XXXX XXXX  XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove these items however, I have not been successful.
Product: Checking or savings account

On XX/XX/2019, I had a email forwarded to me by a family member from ally bank. The email was about my checking account and included personal information. This email is NOT associated in any way with my account at ally bank. I logged in to my online bank account and looked for this email but could not find it in my contact information. The only email listed is my main email- XXXX. I then made the mistake of contacting ally bank by phone and after a 29 minute conversation with a customer service rep AND a supervisor, My problem was not resolved. If fact, I was never able to discuss my problem because according to ally bank, they could not " authenticate '' me so they would not help me. This security procedure is not helping or protecting me. It is keeping me from resolving problems that are about my account security. ALLY BANK should not be sending my personal account information to random email accounts and I want this resolved