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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My financial information has not changed in over 10 years, but 18 months ago my wife decided to apply and activate a new credit card. Within 30 days of that action, we began to receive financial junk mail from various financial institutions around the country with offers from refinancing our home to being approved for credit cards. These unknown financial institutions know exactly how many credit accounts we own, a mailing address and sometimes phone number, the exact balance of each of those accounts, and somehow know that my wife is a veteran. 

After several hours on the phone with my bank, I determined that the only other people in the country that it could be would be the credit agencies. Low and behold I found information online that says exactly that, these credit agencies are sharing our private financial information with predatory scammers. 

I can not believe after all the negative media coverage about credit agencies and and stolen identities that they are still allowed to give out this private information. We did opt out for life a few weeks ago, but that is the incorrect solution. It has been proven that people are stealing other people 's identities and creating credit card accounts with the unauthorized junk mail being sent by these financial institutions. We should not have to figure out that we have to opt out of getting our identities stolen. 

I want to know why in this day and age of stolen identities and financial fraud that the U.S. government and the Bureau of Consumer Financial Protection is NOT protecting us from these predatory institutions. Their job is to report credit to specific organizations that WE allow to get our credit history and it 's your job to regulate this. It 's not their job to send out private information about our lives so we can have our identity stolen and our bank accounts emptied by predatory scammers. When will these credit agencies e.g., XXXX, XXXX, Equifax, etc., by law, be required to stop creating business for themselves? That 's exactly what they are doing, creating business for themselves off the backs of unsuspecting American citizen. That is absolutely asinine and fraudulent. I expect this to be resolved and while I 'm waiting for an answer I 'm cc'ing this to my congressman.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$200.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

PLEASE THESE FRAUDULENT ACCOUNTS ARE NOT MINE. THESE SHOULD BE REMOVE AND COMPLETELY BLOCK FROM MY REPORT
Product: Credit card or prepaid card

I have been reporting fraud charges to US Bank that have occurred repeatedly over the past 16 months. This occurred with five cards. Four of the five were US Bank cards ( one personal checking debit, one business checking debit, one business credit card and one personal credit card. The fifth card was with XXXX XXXX ( a personal credit card ) and they have been responsive and making efforts to reverse the charges. I have filed several reports with US Bank, met with bankers, spoke with branch managers, spoke with the corporate fraud department, and finally, two superintendents in the fraud department. Each time, I was starting over with each representative because they told me that they do n't have the adequate information to process the cases. What little was processed, was mostly reversed and they charged it back to my cards. 
These transactions were obviously fraudulent. They did not match my spending habits. 
The suspect was repeatedly doing ATM transactions from my credit cards, often times on a daily basis, for the max of {$500.00} each time. I was in the hospital for extended lengths of times on various occasions and I can prove that it would not be me making those withdrawals. I have submitted a police report, statements with the fraudulent transactions highlighted, a break down of when I was an inpatient in the hospital and the police have videotape of the suspect. He is also being suspected as the person who broke into my home, stole my car and my mail, as well as opening a credit card in my name from a " pre-approved '' application. 
This fraud is currently exceeding $ 32K and the bank not only is refusing to deal with me on these claims, they already shut down my debit and credit cards ( without notifying me ) and then they sent me a certified letter today letting me know that they are closing down my accounts completely and they will no longer do business with me. This is a bank where I have done reputable business for over 15 years, without any previous issues. 
My most recent communications were with " XXXX '' in US Bank corporate fraud department at XXXX XXXX in late XXXX and then I was later referred to a " XXXX '' at XXXX XXXX. The main number for the fraud department is XXXX. I have also followed up with my local branch office in the past two weeks with XXXX XXXX, XXXX XXXX ( both supposedly branch managers in the XXXX XXXX, MN office ) and XXXX XXXX. All were unable to assist me further. I also contacted " XXXX '' in the XXXX branch in XXXX. He is now out of the country, so nothing has been accomplished with that either. 
I completely disgusted that the bank never made an effort to contact me when they suspicious charges started occurring. When I was in the hospital, I was unable to closely monitor my accounts. These transactions have also cost me withdrawal fees, overdraft fees and an enormous amount of interest. Not to mention that it has drained me financially and it has ruined my credit score. I need some assistance with resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/XXXX • The bankruptcy was discharged in XX/XX/XXXX - when I began to review my credit report to make sure that all of my accounts were documented correctly I noticed that there were two accounts listed for XXXX XXXX XXXX. I only had 1 loan with XXXX XXXX XXXX not two - so that caught my attention, as I have had some identity theft concerns. However, my bigger concern was that the status for one showed “Debt Included in Bankruptcy “ which is correct as XXXX XXXX was included in my Chapter XXXX and the other XXXX XXXX XXXX account shows “ Charged Off “ with a first report date of XX/XX/XXXX. That’s 3 years after I filed for bankruptcy .. so I called both Experian and XXXX ( who more then a month later has yet to even acknowledge my dispute or sent me the credit report I requested over the phone.) Experian however filed a dispute sent me a copy of the results which now shows that disputed XXXX XXXX XXXX account was charged off in XX/XX/XXXX which is still after I filed for my bankruptcy in which XXXX XXXX was included as well as egregiously different then the date initially listed on my credit report .. XXXX XXXX XXXX changed my account number and then sold this debt to another company after it had been included in a bankruptcy • and then listed it incorrectly as a Charge Off on my credit report. The amount in question is $XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Compliant ' of HireRight ' a Speciality Consumer Reporting Agency, the Type ' of Problem as ' not following FCRA policies in Remedying the Effects of Identity Theft, in an understanding of the Summary of Rights under the Fair Credit Reporting Act, the Importances for FTC Notice to Furnishers '. What ' happened was that ' HireRight - Legal - Data Security is ' exclaiming that ' HireRight ' is under Special ' contracting with XXXX in an extension of 5-10-15-20-25 years in unfair or deceptive business practices that is ' not. to remove my Employment Background Information. The Escalating Concerns of the Fed ' of a 10 year File that ' HireRight ' refuses to remove from their Database with Allegiants and alliances of ' the Continued Violations of my Civil Disability Rights in Public Corruption, Extortion and Solicitation of Monies. 

FTC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I have learnt about the Equifax hack. I checked on their website and my " personal information may have been impacted by this incident ''. 
Later on, I tried to get a credit report from Equifax and it failed. 
I tried to freeze my files and it failed. 
I also learnt that the Equifax website to check about the incident does n't even always give reliable information. 
I was in XXXX for work and I had to come back to the US in  order to figure out how to solve this problem since all the internet-only actions have failed.
Product: Checking or savings account

I have been a Navy Federal Credit Union member for about 3 years and I had to close my XXXX XXXX XXXX XXXX times because some one at Navy Federal doesn't care to much about the security of my account. I have had a bank acct all my life and never had to close my acct at no other bank except Navy Federal. On XX/XX/2021 I received a notification from the bank that some one tried to use my debit card at XXXX to pay a bill in the amount of XXXX dollars at XXXX hrs. It was a good thing I didn't have that amount in my acct for them to steal. I am a XXXX XXXX XXXX XXXX Veteran on a fixed income i really don't need this type of aggravation. Today i will go to the ATM to with drawl my money from my acct then call Navy to close my acct so they can send me out a new card and acct number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my understanding someone reported false information an false address an date of birth on my Equifax credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all XXXX credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my Equifax settlement i never received
Product: Credit card

In the beginning of XX/XX/year> I requested a list card replacement that never arrived. After waiting several weeks, I tried to order another replacement. When Citi bot attempted to order another replacement, it encountered technical difficulties and displayed instructions to call customer service. It was in the end of XXXX. 
I contacted Citi customer service on XX/XX/XXXX to close the card, since dealing with their technology seems useless. Unfortunately, they keep giving me runs around telling to call back because of technical difficulties. 
It looks like Citis technology is not adequate to handle their business volume making me concern about my information there and about the amount of time a consumer needs to spend to service or close their account.
Product: Credit reporting

There is a Bankruptcy on my credit that is not mine. It is not mine. It is my ex-husband
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX  XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX
Product: Credit reporting

XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to college, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!
Product: Mortgage

I bought my home in XXXX XXXX XXXX  in XXXX, made payments with XXXX  11 years, never late, no problems at all at XXXX dollars monthly.. In approx XX/XX/XXXX, I began getting mortgage bills from a Mr. Cooper I knew nothing about. I called XXXX, asked what happened, was told XXXX some XXXX accounts like mine were sold to a Mr. Cooper. About XX/XX/XXXX there was a phone mail from Mr. Cooper that I needed to call asap. I called, was told then that I was in arrearage XXXX dollars in my escrow account, that this was a collection call! When I then spoke to a representative, she said I should not have received the call at all though later would receive 2 more over the months. I was told that in XX/XX/XXXX my payment would increase to XXXX monthly due to increased insurance in XXXX?. I paid XX/XX/XXXX increased amount as above. On 2 more occasions through the next months I received a collection call from Mr , Cooper. In XX/XX/XXXX when I called, I was told I now was XXXX behind {$3800.00} in my escrow account, then on the next billing I was XXXX dollars short so XXXX I had to pay XXXX dollars! The paperwork said if I don't pay the XXXX dollars by end of XXXX they would add the unpaid amount to my total amount owed on my home, just over XXXX dollars! I feel they are trying to drive me out of my home! I am on a fixed income at XXXX XXXX XXXX. I was an XXXX 35 years until I retired at which time I then got XXXX. The last 3 years I had to fight to live, am better now. I on XX/XX/XXXX did a second homestead exemption, had it filed. The Lady there told me they've had problems dealing with this Mr Cooper with others. I looked Mr. Cooper up for complaints, found there have been many in multiple states!. They have been found guilty trying to illegally drive especially elderly people into foreclosures! I asked the specialized Tax person doing my exemption on XXXX, XXXX if I should be paying so very much more from last years house payment due to increased insurance/taxations in XXXX, she shook her head no, said it should not be much more than the XXXX dollars monthly last year. I pray you can help me with this. I am doing my taxes on XX/XX/XXXX at which time the tax specialist said to bring the taxes for XXXX then to her. which I will be doing. When speaking with the staff at Mr. Cooper, it was obvious every call they did not care one bit about my concerns. I have worked so hard to buy my home alone. The tax exemption was filed on XX/XX/XXXX and filed.
Product: Payday loan, title loan, personal loan, or advance loan

The CFPB on Friday announced it has sued Acima XXXX, XXXX, Acima Digital, XXXX ( subsidiaries of XX/XX/XXXX( now known as XXXX XXXX XXXX XXXX XXXX XXXX and collectively, " Acima '' ), and Acima 's founder and former CEO, XXXX XXXX for illegal lending activities in connection with as many as XXXX XXXX consumer financing agreements. 

The CFPB alleges Acima used deceptive dark patterns and other tricks to trap consumers in high-cost credit agreements to finance the purchase of household goods. Acima sought to disguise many of these credit agreements as leases to evade consumer financial protection laws. Due to Acimas deception and obstruction, many consumers did not understand they were agreeing to expensive markups, exorbitant finance charges, and having few ways to escape their contracts. The CFPB is asking that the court order the defendants to forfeit the illegally obtained profits, give refunds to consumers, and halt their misconduct. 

The CFPBs lawsuit alleges Acima violated the Consumer Financial Protection Act, Truth in Lending Act, Fair Credit Reporting Act, and Electronic Fund Transfer Act. Specifically, the CFPB alleges Acima has misled and harmed consumers through : False marketing Deceptive digital dark patterns Trapping borrowers Widespread credit reporting failures
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence I provided, causing continued harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians in action violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Hi, over the last week I've been looking over my credit repot and noticed many inaccuracies on my account. This account is hurting my ability to obtain credit. I've done some research and it is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the account was never paid late. Always have been on automatic payment. Bank error. Reported and acknowledged several times, promissed to have it corrected.