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

XXXX, Equifax, and XXXX used my information without my consent for the accounts : XXXX XXXX  ( XX/XX/19 ) and XXXX XXXX XXXX ( XX/XX/19 ) also According to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : A : the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

However my information was misused without my consent of approval.
Product: Credit card or prepaid card

It was a cash app card and money was taking out of a card I created for my daughter. It was XXXX $ or more that was fraudulent sent. Once the company was informed. They stated it was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested to freeze my credit information with XXXX and XXXX successfully. When I attempted to do so with Experian, they said they could not verify my identity and I found, they show a wrong year of birth for me, an email address for verification that is not mine and has never been mine and a telephone number for verification that is not mine and has never been mine. 

I have attempted numerous times to contact Experian but they continue to disconnect the call because they can't verify me with the fraudulent details. 

I contacted the FTC and submitted a report XXXX XXXXXXXX and will be sending the report via XXXX mail to Experian. But, that does not excuse their lack of attention to something as serious as having fraudulent information that in the time, the receive the report and act upon it, I could have many accounts opened in my name. 

I recently received a report number from their XXXX division which I did not file. I am also very concerned how someone could supply/change my contact info so easily without my knowledge or consent. This could happen and is probably happening to many people.
Product: Debt collection

I am a creditor with several financial institutions where I can no longer afford to pay. I have a serious medical condition that causes me to lose work, and in some cases hospitalization is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my condition if a settlement is offered. I am looking into filing a XXXX XXXX XXXX. Please cease all communications with any of my accounts. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the de accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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 following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX has violated my rights XXXX Or 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: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries, that were not obtain with my consent! I want them removed immediately! 

XXXX XXXX XXXX ( bank ) - XX/XX/2023 XXXX XXXX XXXX ( bank ) - XX/XX/2023 2023
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to contact the company to try to rearrange the payment plan. The website is not allowing me to log in and when I try to call the listed number, it acts like someone picks up but no one will answer
Product: Credit reporting

I am disputing the following hard inquiries on all my credit reports to include transunion, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX TransUnionXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI did voluntarily submit my info to XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a XXXX of this countryand would like to see these stricken from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX Account # XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both LexisNexis, XXXX and XXXX about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted XXXX they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with LexisNexis, and this does not constitute a proper fraud investigation when I have informed both XXXX, XXXX and LexisNexis that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both LexisNexis, XXXX and XXXX my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I settled a charge off with American Express. Amex agrees the account is settled and properly indicates the settlement in its report to XXXX. The account became delinquent in XX/XX/XXXX and XXXX correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, AMEX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my XXXX consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with XXXX. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are inaccurate and in violation of my consumer rights.
Product: Checking or savings account

I deposited a check I was given from a bed I sold on XXXX and it appears after the bank sent me an email the check was good that it wasnt because my account is now negative the amount of the check and more. I am going to call them in the morning Im very upset I live on a limited income and I can not afford to replace this money I was obviously frauded out of, im just sick about it and I dont know what to do.. I will contact the bank tomorrow, I accidentally came across your app tonight. I am trying to fix my credit and Im so upset. I dont understand why people do this to other people. I was told that the check was good and so I went along with the process and lost my bed and now Im out all this money in my account, Im so upset Ive barely been able to eat.. Thank you.. be careful there are a lot of scammers out there and somehow the bank didnt know the check was bad at first..
Product: Credit reporting or other personal consumer reports

DEPTARTMENT OF EDUCATIONXXXX ID # XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$7600.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES THESE LOANS WERE DEFERRED AND LATER FORGIVEN BY PRESIDENT JOE BIDEN . NOT MINES
Product: Credit reporting or other personal consumer reports

This particual process is not the basis of my complaint. I feel that I have been dicriminated against by the Credit Bureaus. I am an elderly XXXX male and have been working on my credit for many years and still to this date my score has never been XXXX or higher except one time and that was only with one bureau ( XXXX ) and for one month. All of my account have been paid on time. I have been paying on a house with a {$1500.00} Mortgage ( originally {$1700.00} ) for right at XXXX years and refinanced it twice. I have been paying a {$1200.00} XXXX XXXX for almost XXXX years as well as other high payment accounts, all on time. I have 6 Credit Cards that are almost maxed out, however even when they had large amonts of available credit my score didn't move 1 point but went down after I started using them. One credit card has a {$14000.00} limit and another with a {$7000.00} limit. I didn't use them for 3 months to see if my score would incease with all of the avialable credit. My scores did not go up on either of the bureaus during that time. I have paid off Student Loans as well as other high debt accounts for my score to increase only 3 points. For the longest I was told it didn't change because I had a Bankruptcy on my reports as well as a couple of collections but once they were removed my score still did not go up 1 single point at either bureau. I know this is not the way it is suppose to be. Every time I try to do everything that is asked of consumers the bar get raised even higher to ensure I will never reach it. My scores should well be in the XXXX 's or high XXXX 's at a minimum but as I stated above in the last 8-10 years this is what I have been faced with and the only explanation I can come up with is discrimination. I have never been able to qualify for a traditional bank loan and because of this I have had to resort to small personal loans from places like Finanace Companies. Every bank and credit union requires a XXXX or above in order to get a Home Equity Loan or Home Equity Line of Credit. Conveniently my scores all remain just under that number. Please investigate the actions of the Credit Bureaus because they are definately not doing the right thing for the consumer. Their reporting is not accurate or up to date in a lot of instances and it has been addressed with them. One example is my mortgage got sold to another company and they reported it to the three bureaus but only one of them is actually reporting it, so to anyone looking at my report it appears that I don't have a Mortgage. I was told I need to go back to the Mortgage Company and have them to send a Reensertion Letter. The consumer seems to always be the one to do the extra work instead of things happening the way they should.
Product: Mortgage

XX/XX/2020 Received notification from home insurance company that home insurance premium was not paid. Had a three-way conference call with insurance company. Loan company took details to overnight homeowners insurance payment overnight XX/XX/2020 Received another notification that homeowner insurance premium has not been paid. Call load company and held another three-way conference call with the insurance company and the loan company. The loan company rep indicated that they checked the closing documents and that they recognize a payment was due. The loan company rep said that the " overnight '' payment request was made and to allow 3 days for the " overnight '' payment to go thru XX/XX/2020 Spoke to a rep who said the payment was in process and the account payment would be made within 24 hours. 

XX/XX/2020 I spoke with a representative named " XXXX '' who confirmed that the insurance payment has not been made and there was no indication on my account that the payment was in progress or that one has even been requested. She said that she emailed it to the " Research '' department. " XXXX '' said that I could call back in 24 hours later and I could get a tracking number to follow this issue. 

XX/XX/2020 I called in to get the tracking number that was promised me the previous day. The rep I spoke to said that they do not provide tracking numbers. Had another three way conference call with the insurance company and loan company to obtain the " overnight '' address ( for the 3rd time ). During the course of the phone call with the insurance company the rep from the loan company hung up Home owners insurance is due to cancel in a week - will likely have to pay even though it should have been paid at closing.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to trafficking- debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. Amer Fst Fin $ XXXX XXXX XXXX XXXX $ XXXX Credit Coll $ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove 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 few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not removed the inaccurate information with evidence of the inaccurate information. I sent letters, pictures, my consumer rights that were violated and evidence of inaccurate information reporting on my consumer report. Transunion is continuing to violate my consumer rights and also adding defamation of character as this inaccurate information is keeping me from obtaining credit. 

Complaint # : XXXX According to the law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 

This was Transunion Response : Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has completed its investigation , including contacting the furnisher of the information. 

Transunion could not have done a proper investigation or re-investigation because my recent consumer report still shows INACCURATE INFORMATION. After their first, second, & third investigation my name is still wrong. Information on my credit report is still INACCURATE. XXXX is reporting false and inaccurate information and refusing to abide by the law. 

I have attached all factual documents and pictures of the evidence.
Product: Money transfer, virtual currency, or money service

Money was sent through Zelle to the incorrect person and I could not receive my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my Equifax because it is fraudulent back in XXXX, it is not XXXX and it is STILL under reinvestigation which is WELL past the 30-45 day mark. I have sent countless letters and have even tried to call to speak with someone to understand wy this reinvestigation is taking so long and who have I not gotten any letters or information about it after the countless letters I have sent. I have not gotten a response at all and am very upset about this and how long this had taken. This is very detrimental to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened a fraudulent account with XXXX XXXX  without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help