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

I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts XXXX, XXXX, and Trans Union along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. 


I have noticed an unauthorized Hard inquiry on my consumer report and would like It removed effective immediately. Here is the information that relates to this unauthorized inquiry. 

XXXX ( Finance ) XX/XX/year> I have never done business with XXXX XXXX XXXX and I do not have any open accounts with this corporation. Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The previously stated inquiry must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Credit reporting

I have been writing letters to Equifax for over a year citing the blatant violations of my rights under the Fair Credit Reporting Act. They are reporting a bankruptcy that has an inaccurate docket number and filing date and is outside the statute of limitations. The other XXXX bureaus XXXX and XXXX have removed the bankruptcy because they could not properly validate it so I do n't know why Equifax is still reporting something that is obviously wrong. I have been refused action and dismissed as a frivolous consumer and this makes me angry. The bankruptcy was never filed and is dismissed, I do n't feel it should be reporting at all because I never went through with the bankruptcy. Equifax is ignoring the proof that i have that they have violated my rights and I am at my wits end because from my standpoint I have done everything I have needed to do and they are abusing their power.
Product: Credit reporting, credit repair services, or other personal consumer reports

Arkansas State apparently initiated a tax lien against me for tax year XX/XX/XXXX. I was told by two government officials that since I filed my taxes from an Arkansas address inXX/XX/XXXX, they assumed I owed Arkansas tax for XX/XX/XXXX but I did n't live nor work in Arkansas in XX/XX/XXXX. I wrote the governor and got notice that the lien was released but it 's still on my credit report, making my score in the " poor '' range.
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I disputed it with one of the credit reporting agencies but they said it was being reported correctly so they could not remove it.
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I never owed the tax so the entry should be vacated, removed from my credit report.
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I contacted XXXX  County ( Arkansas ) and they said I had to contact the State. I contacted the State and they said they are not the ones to remove it. I have no idea how to get this removed.
<P/> XXXX County Court {$8200.00}. Filed XX/XX/XXXX, Released XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX.
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Bad enough they took 5 years to actually report it making it harder to document the issue. The IRS has my XXXX and can plainly see I did n't work in Arkansas. How does one prove one did NOT live somewhere? Like I can get a copy of my lease from ( now ) 10 years ago?
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I want to buy a house but it 's impossible with this incorrect tax lien on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today after reading the artical I notice multiple accounts and inquiries on my consumer report that was incorrect. I have spoken with Equifax supervisors and was unable to reach a resolve. 

Under 15 usc 1681 a # XXXX Equifax assumed this role without my permission, and did not have my consent. 

Under 15 usc 1682 a # XXXX. Equifax didnt exercise your grave responsibility to my privacy either by utilizing the wrong information. Equifax was unfair and partial. You did not respect my right to privacy. 

Equifax never had permissible purpose under 1681 # XXXX and I never instructed Equifax to create this report. I never consented to this report in the first place.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders t o exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Student loan

I am on the 120 month repayment an as I XXXX in a high needs area. When reapplying each year I was given a combination of incorrect phone numbers, incorrect fax numbers, different 'acceptable ' documents necessary, and told my documents were 'lost '. I was also given different information from different people. During theses times my loans were put into forbearance as to not have them go into default. While I am in good standing, thus has added several months of added interest and time that I have to repay. And it has happened every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to Experian : XX/XX/XXXX Credit Bureaus, XXXX, XXXX XXXX and Experian, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and XXXX and Experian does not report any payment history at all and XXXX only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the account reported on my credit file under the creditor XXXX XXXX, with an account number ending in XXXX. This account was first reported to Experian on XX/XX/year>, with a date of last activity and opening on XX/XX/year>. 

What Happened : my personal information was discovered in a data breach, upon discovering that my personal information was sold to third party creditors, and on the XXXX web. This caused my personal information to be hacked on my XXXX XXXX XXXX XXXX XXXX, which contained sensitive payment information and other personal information, as it was connected to my XXXX XXXX. 
This theft led to unauthorized access to my financial information, and personal information resulting in several attempts to open credit accounts in my name without my authorization. 
On discovering the unauthorized account, I had not recognized or authorized the opening of this account listed as originating on XX/XX/year>, with a high balance of {$840.00}, which was subsequently reported as paid and closed by the end of the month. 
I reported the phone theft to local authorities on the same day it was stolen and have since taken steps to secure my financial accounts. 
Despite the account showing a zero balance and a status of Paid, I did not authorize, initiate, or engage in any credit agreement with XXXX XXXX or any related entities. 

Actions Taken : Filed a police report on the day of the phone theft. 
Contacted my bank and credit card companies to report the theft and secure my accounts. 
Monitored my credit reports for any suspicious activity, leading to the identification of this unauthorized account. 

I request a thorough investigation into this matter and that this account be removed from my credit files as it is a result of identity theft. I have attached copies of the police report and other relevant documents verifying my claim ( attachments are mentioned for your action but not included here ). 

Please confirm the receipt of this dispute and keep me informed about the progress of this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were working with VIP Mortgage in order to refinance our home when on XX/XX/XXXX they messaged us to request that I call Equifax to inquire why suddenly my credit score and credit history was no longer available. Equifax representative looked it up and said there was nothing on the file to prevent that, that a must be a problem on the mortgage side. Long story short every week Since XX/XX/XXXX and continuing thru today XX/XX/XXXX we have been trying to fix this problem. XXXX XXXX the suggestion that came to light is that maybe the fraud alert on my file is the problem preventing the mortgage company to pull my credit information. XX/XX/XXXX was the first available time to call Equifax during their hours. I spoke to 4 different representatives when finally the last person tried to remove this fraud alert ( supposedly ) This representative, named XXXX, was also bewildered as to why this was so difficult after attempting many things. His last comment was he had removed it and gave me a confirmation # XXXX and said it would take 24-48hrs for the removal. I have checked my file online and it is still active. THIS IS PREVENTING A MORTGAGE LOAN TO BE PROCESSED AND IT NEEDS TO BE RESOLVED!!. We have spoken to countless reps and have been hung up on when asked to speak to a supervisor.
Product: Debt collection

In XXXX of XXXX, I was in an accident with grandmother, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from Arbor Professional Solutions for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the billing company XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported.
Product: Credit card or prepaid card

On XX/XX/2019 @ XXXX XXXX, I received a call from XXXX from someome saying they were with CAPITAL ONE and that this was my'final courtesy call to lower my interest rate'.  I JUST GOT MY CAPITAL ONE CHARGE CARD LESS THAN A MONTH AGO and I was never charged any interest!  I haven't even received my first monthly bill report! They then asked for my FULL 9 DIGIT SOCIAL SECURITY CARD # so I KNEW for sure it was a scam/fraud because NO BANK EVER ASKS FOR THE FULL NUMBER!  I hung up and called the number on the back of my card and they verified that number is NOT Capital One and that it was a scam to get personal identity information.  They gave me an email address to report the number/situation to Capital One for abuse reporting and also recommended I report it to you via this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting From XX/XX/2020, this company named XXXX has been reporting to my credit with charge offs. I was a victim of identity theft around that same time. I filled the identity theft form, completed a police report, and submitted my information to all credit bureaus. The only credit bureau that continues to report this false account to my credit is XXXX. I have contacted this supposed company, I can never have access to the fraud department. I have sent letters showing the names do not match. It is not my account, they have sent payment statements of up to {$1000.00} transactions, which are places I have never been. I have called and sent two dispute letters to XXXX. I sent all documents that proves clearly this is not my account. But this company refuses to correct this misinformation, and the only credit bureau that is not corresponding is XXXX. At this point, I am being harassed.
Product: Checking or savings account

There were several fraudulent. Mobile deposits to my account while I was XXXX in XXXX. Along with a lot of fraudulent charges. The bank has now held onto my funds for over a month and I have no access to any of my accounts or funds. In fact they are stating that I am no longer able to do banking services with them, however, have my accounts open. I reported the identity, theft and fraud to all Credit bills, and all resources that were available to me. I also received a letter from the IRS stating there was identity theft. I provided all documents to Usaa but have to receive my funds or reopen my account and I have been with them for over 19 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with Equifax and then also XXXX   ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX XXXX XXXX and all three major credit bureaus. I first called XXXX XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : Equifax # - XXXX XX/XX/XXXX Alert - # XXXX XXXX  - ( Did not receive dispute #, XXXX post-investigation docs attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for XXXX, Equifax, and XXXX. 

After filing this dispute, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I  also received the attached documents from XXXX, Equifax, and XXXX  with teh results that the account is " Verified as Accurate ''  and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX addresses the CFPB complaint ID - XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( 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.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Debt collection

I already paid and I called them and I showed proof that it was taken care of and they still put it back on my credit. Either thaey got me mixed up with a family member or else they are committing some type of fraud against me.
Product: Money transfer, virtual currency, or money service

I am compelled to lodge a formal complaint against Kraken due to their continual mishandling of transactions, including a recent incident involving an {$800.00} payment on XX/XX/2024, which was improperly managed and led to significant personal distress and financial inconvenience. 

Detailed Account of Recent Incident : On the specified date, I attempted a transaction of {$800.00}, which my bank, XXXX XXXX, authorized. However, the transaction was never completed due to it being refused, according to Kraken. Despite multiple requests, Kraken has failed to provide a refusal code or sufficient details from their payment processor, only offering a screenshot as alleged proof without context or authentication. 

Additional Concerns : XXXX. Lack of Transparency and Accountability : Kraken has repeatedly failed to provide essential details such as refusal codes, which are critical in resolving transaction disputes. Their unwillingness to disclose this information prevents any possibility of understanding or resolving such disputes transparently. 
XXXX. Misleading Communication : Krakens communication has been minimal and unhelpful, repeatedly failing to address my queries adequately. This pattern of communication has not only wasted extensive time but has also led to unnecessary stress as I spent three hours on the phone with a bank manager trying to resolve an issue that, as it turned out, stemmed from Krakens actions. 
XXXX. Recurring Issues with Transaction Handling : This is not an isolated incident. Kraken frequently leaves card charges idle, even when authorized, allowing them to expire and then processing them days later without timely notification to customers. This practice is unacceptable and indicates a systemic problem with how Kraken manages customer transactions. 

This ongoing issue has tied up {$800.00} of my funds, causing financial strain and considerable distress. The time and effort spent attempting to resolve this, only to discover Krakens culpability, has been exasperating and unacceptable.
Product: Mortgage

On XX/XX/XXXX, we sent all information to compulinlk XXXX XXXX XXXX XXXX XXXX We need a payout statment.They sent me one with a condolence letter cause my XXXX XXXX XXXX and I notified them. But we did not have a buyer at that time.We are under contract with moms house and they said I can't have any info, because I only have Power of XXXX  and that is no good because XXXX XXXX.Real state did title search there are XXXX XXXX and we signed and had paper signed by lawyer we are all in agreement to sell.We live on XXXX XXXX and wanted to avoid probate.Compulink took over for XXXX in XX/XX/XXXX need help.House is under contract. Thank you
Product: Money transfer, virtual currency, or money service

I sent a {$3500.00} wire transfer from my retirement account and it was sent to Wells Fargo, to an account that was closed years ago. The wire was rejected but Wells Fargo decided to keep {$50.00} for the incomplete wire. 

Banks charge fees for insufficient ACH transactions, bounced checks and similar things, but they are charging THEIR client in every case. Many banks also charge THEIR clients for incoming wires. These fees are part of the bank 's " Terms and Conditions '' to which their customers agree when signing up. 

I am perplexed that Wells Fargo can reduce an incoming wire by a non-customer, and I do n't see how that 's legal as there is no wire or account agreement that says they can. The entire amount of {$3500.00} should have been returned. 

I can not think of any situation where anyone or any company, absent a court judgment, is permitted to take money from someone else without their agreement and Wells Fargo should return my {$50.00}.