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

XX/XX/XXXX I experienced identity theft as my vehicle was broken into and my purse and other personal possessions were stolen. It wasnt until XX/XX/XXXX that I had been notified that my bank account with XXXX XXXX  XXXX had been frozen due to fraud. When the incident happened I closed all credit cards and requested existing bank accounts to issue new cards that I had. XXXX XXXX  XXXX has listed my account as Fraud and when provided with all the documentation they stated that I could not go through them I had to go through ChexSystems to have the fraud removed. Because of the XXXX charge. This has been an ongoing battle as my identity has been compromised and now an entire year later of fighting this matter Im still unable to get a bank account. If it wasnt for having one already for my business I would be stuck. I have tried fighting this with ChexSystems and each time they indicate that XXXX XXXX XXXXXXXX is keeping the status. This is not only unfair but I have never been in a position to where any of my accounts have been flagged as potential fraud. I need help this has been a huge issue for me due to this matter not being handled. The credit Breuers have worked with me they placed all my credit reports on extended fraud, my credit card companies were able to freeze any transactions, however this one particular bank has made it extremely difficult to get anywhere with this. I even went as far as saying I would pay for a charge that was not mine so that I could have this information removed they would even declined that. Please can someone look into this matter as this is going on farther than it should and I just need the right information or person to help me along with this process. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUD ADDRESSES LISTED BELOW XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX FRAUDULENT INQUIRIE LISTED BELOW XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15  U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/2024 and noticed some accounts on my credit report are incomplete and inaccurate which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this particular point I honestly believe that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They MUST be legally blind because everything is inconsistent.
Product: Credit reporting

My Tax lien is incorrect, and the Nissan account is still reporting, it 's old and incorrect, so please take it off my credit report
Product: Debt collection

i have asked multiple times to verify the debt, including asking for proof of delivery-after waiting more than 60 days they finally returned a response to me
Product: Mortgage

On XX/XX/XXXX we started a loan Modification with XXXX but on XXXX of that year we received a letter that they sold our Mortgage to Caliber Home Loans. Caliber started with the loan modification process and we received a letter that we were approved and we will start paying XXXX beginning XX/XX/XXXX. So we paid that amount until XX/XX/XXXX. 
They raised the payment to XXXX on XX/XX/XXXX and XX/XX/XXXX they went back down to XXXX. Our new bill for XX/XX/XXXX is XXXX because they are charging an escrow of XXXX. 
Another issue is that our remaining balance of the mortgage is {$23000.00} and has not change at all, I wonder where is the money we paid since XX/XX/XXXX. 
What we did not know as well was that we were paying an interest rate of 8.000 %. 
We understand that a loan modification interest is no more than 4 % so I really don't understand why we are paying such high interest rate. 
we tried to speak with Caliber Customer service regarding this issue and all they say is " we have to investigate '' never a straight answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry victim inquires from companies i never authorized on 3 credit reports XXXX, Equafax, XXXX XXXX.
Inaccurate information on my credit report 1. XXXX XXXX account late payment status, XX/XX/XXXX reports as negative Due to do inaccuracy of this information i request you delete it from my file.
Product: Checking or savings account

On XX/XX/XXXX I attempted to open a American Express Business Checking account. I was responding to an offer that was sent to me via social media. American Express put my application into review status and then asked me to submit additional documents. I sent the documents and then received a letter in the mail several days later. I contacted the number on the paper and the agent for American Express told me to apply again. I reapplied on XX/XX/XXXX. I was again asked to submit additional documents, which i submitted within the required time provided in the letter. I received an email on XX/XX/XXXX that says " unfortunately we could not open your account '' I believe American Express is discriminating against me in a retaliatory manner because of previous complaints filed with the FTC and CFPB. I believe that American Express is violating the law by not opening my account.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. I have tried to get this situation resolve on multiple occasions with no resolve. This has affected my life in a hugely negative way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( For Collection/Charge Offs, Inquiries, Bankruptcies, Repossessions ) : XXXX XXXX XXXX I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
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 XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 XXXX 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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding the multiple hard credit inquiries made by your dealership that appear on my credit report. Upon reviewing my report, I noticed [ XXXX ] inquiries on Experian, [ XXXX ] on XXXX, and [ XXXX ] on XXXX attributed to your dealership across several days. I was unaware that this many inquiries would be conducted, and I believe this violates my expectations of the financing process.
Product: Money transfer, virtual currency, or money service

Thursday, XX/XX/XXXX Received a cashier 's check for {$1900.00} from a buyer of furniture I was selling on XXXX 's XXXX. I was suspicious of the check and attempted to call XXXX. They informed me they don't verify funds. Rather than do a mobile deposit, I drove to my local US Bank branch location. I shared the information with the tellers. They assured me the cashier 's check was legitimate and had the proper watermarks to indicate it was valid. They said it should post the following morning if, in fact, it was a legitimate cashier 's check. 

Friday, XX/XX/XXXX The deposit was posted to my account therefore from the information the tellers provided me the following day, I transferred via XXXX money to the buyer 's movers in the amount of {$1100.00}. Throughout the conversation with the buyer, I began to get an uneasy feeling and called the police. They advised me to file an internet crimes case with the FBI via XXXX and also file a police report. I did both and ceased any further money transactions with the individual. I advised the buyer he could provide an address for me to return the additional {$820.00} because I would no longer send any funds via electronic transfer. He began threatening me with physical harm so I blocked his number. 

Saturday, XX/XX/XXXX I phoned the fraud department of US Bank and advised them of the situation. They took down the information and said they would investigate. 

Tuesday, XX/XX/XXXX Received a letter from US Bank 's Digital Claim Services and was advised my claim was denied. 

Thursday, XX/XX/XXXX Phoned US Bank at XXXX to speak to the Fraud Department as to why my claim was being denied. The representative told me it was my fault I sent the money and there was no fraud since I initiated the money transfer from my own IPS address and had the proper login credentials to access the funds. 
I advised him that this was not in dispute if my transaction occurred. My fraud claim was based on the fact that the tellers at the branch location advised me the cashier 's check was legitimate and this information led me to process the money transfer of {$1100.00}. 
The agent then proceeded to tell me I was in the wrong for not correctly reading my terms of agreement when I opened the account and therefore there was no fraud. I asked to speak to a supervisor. He transferred my back into the phone tree system and my call was dropped.
Product: Student loan

Both XXXX and Navient are crooked. A ponzi group of schemers. XXXX XXXX in 2002 dismissed my wifes loan who is a XXXX XXXX. We filed a complaint to them and XXXX XXXX  investigated the u of XXXX Their findings. Were. That the u of XXXX were at fault. For improperly dismissing our son They dismissed our loan and told us that the u of XXXX was returning the loan money approved by XXXX XXXX president. And we are still being bothered.
Product: Debt collection

This company called account services keeps calling me at all times of the day. When i call back i never get a straight answer. They just me transferMe off to another and i wait in line. When connected they are extremely rude and careless. They dont give any clue as to what this is in regards to. They start asking all kinds of info. Even after i provide to prove i am who i am, they keep asking questions that are impertinent. When i refuse to answer any more, they are arrogant and instead of providing exact info they tell me then i will not give you any not info. 

As though they have power over me and scare me up. 

Got information from my bank regarding bad info in my credit history. In checking i see that this company is calling me. While not giving me the info regarding why they are, they have reported this to credit bureaus and more my credit score is severely impacted. 

Yet they dont clearly tell me who they are? Hope can i trust them with a generic name like Account Services.

Please help. As reported, they are asking me to pay upwards of {$1600.00}. For all in knit this may be a XXXX XXXXpany trying to get my info. I am old and i live alone. I am in XXXX XXXX. They must know and thats why they think they can get away doing this.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate 15 U.S. Code 1681e ( b ) Accuracy of report Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer. Please remove the following items from my credit report immediately XXXX XXXX XXXX
Product: Debt collection

Caller sometimes calls himself XXXX XXXX and others times XXXX XXXX. He has called me several times on my cell phone and at work. Most times 5 mintues apart. He has contacted my family members stating that there is a complaint against me and they are trying to locate me. Caller leaves messages on my work and cell phone asking for family members and stating that they are warning them to get me to call back or they are going to file the complaint. Each time they reach out to someone they use a different name and different company name. Sometimes it's XXXX XXXX and other times it's Keystone Group. I requested the address and was given the address of a XXXX store in New York. I have requested and my family has requested they stop calls. Caller will never give info to me without me giving SS # and birthdate.
Product: Credit card or prepaid card

CHASE APPROVED ME VERBALLY ON THE PHONE FOR A NEW AMAZON REWARDS CREDIT CARD DAYS LATER AFTER SUBMITTING THE APPLICATION ONLINE. THEY THAN TURNED AROUND AND SHUT DOWN MY NEW CARD AFTER PLACING A HARD INQUIRY ON XX/XX/XXXX FOR A FRAUDULENT CARD OPENED IN MY NAME FROM MACYS. WHY DIDNT THEY REVIEW THAT INFORMATION BEFORE THEY APPROVED ME? THE SUPERVISOR FROM CHASE WAS VERY NASTY AND RUDE TOLD ME, " SORRY YOU DONT LIKE OUR PROCESS ''. I EXPLAINED TO XXXX   THAT I MADE A COMPLAINT WITH YOU GUYS RECENTLY FOR THE XXXX. SHE GOT NASTY AND SAID THAT YOU GUYS SHOULD OF REMOVED IT ALREADY. I TOLD HER THAT I CAN SEND HER DOCUMENTS OF THE XXXX   FRAUD COMPLAINT. SHE DID NOT WANT TO ASSIST. EVEN WHEN I ASKED THE SUPERVISOR ( XXXX ) AT CHASE TO REMOVE THE INQUIRY FOR THEM SHUTTING DOWN MY ACCOUNT DAYS AFTER APPROVING ME UNTIL THE XXXX  IS REMOVED. THIS IS NOT MY FAULT AND CHASE SHOULD PRACTICE BETTER PROCEDURES AFTER APPROVING PEOPLE FOR CREDIT CARDS AND MESSING WITH THEIR CREDIT. THE XXXX INCIDENT IS A CURRENT ONGOING ISSUE THAT HAS BEEN REPORTED TO CFPB, XXXX FRAUDULENT TEAM, AND THE CREDIT BUREAUS. I WANT THESE CHASE INQUIRIES TO BE REMOVED IMMEDIATELY FOR CHASES INPROPER AND UNFAIR TREATMENT OF SHUTTING DOWN MY ACCOUNT AFTER I WAS APPROVED. IT IS NOT MY FAULT THAT THERE IS A FRAUDELNT XXXX ACCOUNT THAT IS CURRENTLY IN THE WORKS OF BEING REMOVED. CHASE SHOULD OF REVIEWED THAT BEFORE APPROVINT ME AND ISSUING ME A CARD. DON'T PLAY WITH MY CREDIT CHASE.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 

i would like to delate this account from my credit report immediately. you failed to investigate ths account properly and your neglect has violated my rights i am demanding a deletion of the following account : Account : XXXX XXXX XXXX Account XXXX in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX CARD-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX
Product: Prepaid card

On XX/XX/24 I received a {$500.00} XXXX prepaid credit card as a retirement gift from my employer. On XX/XX/24 I went on its website and found {$500.00} as the balance. On XX/XX/24 I went into a XXXX to use the card and the card was declined. I called the phone number on the card and found out there was only {$.00} on the card. 
I called their customer service and explained to a supervisor what happened she then told me the card was used on an online XXXX  XXXX  on XX/XX/24 for amount of {$490.00}. I then explained to the person from XXXX that I didn't use the card and asked her if she could cancel the transaction, she told me she couldn't, but she would investigate the transaction and put a hold the card and call back on XX/XX/24. So, I called back XX/XX/24 and the person from XXXX customer service this time took my information and said they would investigate it. It seems to me the XXXX prepaid credit cards are not secure and a the {$490.00} is a lose.
Product: Debt collection

This Charge-off appeared on the file that XXXX  keeps under my social security number. I have an extended fraud alert under XXXX  due to identity thief. Due to this I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with ENHANCED RECOVERY CO and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number
Product: Debt collection

Sent letter of validation and received on XX/XX/24 they dated on there paperwork XX/XX/24. And they went ahead and put a lawsuit against me not giving me the 30 days to investigate and dispute back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted AWA collections and XXXX about the item they are reporting as a duplicate account, rather increasing the total balance and collecting twice the amount ie {$10000.00}. The original amount of this debt is less than {$4000.00}. 

AWA Collections is fraudently reporting this account twice, and trying to collect double the amount, they changed the account numbers for the same debt, and increased the balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT : XXXX XXXX XXXX. 



15 U.S.C. 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 

THIS COMPANY NO LONGER OWN THIS DEBT BUT STILL IS REPORTING IT. THEY HAVE SENT IT TO MULTIPLE DEBT COLLECTORS WITHOUT MY CONSENT. 

I HAVE ASKED FOR PROOF OF EVERYONE WHO HAS OWNED THE DEBT THEY HAVE NO REPORTING INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I noticed an account that is not mine on my credit report for XXXX and Experian. I contacted both and disputed the account as well as sent them an ID theft report. They some how verified the account. I need these fraudulent accounts removed from my report immediately