23daVinci/CFPB_Complaints huggingface dataset:
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  Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : 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 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX WY XXXXXXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$7300.00} ; XXXX OF XXXX XXXX XXXX : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Checking or savings account

I ordered checks online, in XX/XX/XXXX Wells Fargo, mailed them to the wrong address, I needed the checks so I had to order again expedited, and was charged, even though I talked to the postmaster, who had to track the package, said they put the wrong address on the package they refused to tae any responsibility and charged me twice.
Product: Credit reporting or other personal consumer reports

I want the following accounts removed : XXXX- {$50000.00} XX/XX/XXXX XXXX case # XXXX and XXXX XXXX XXXX XXXX- {$12000.00}. XX/XX/XXXX XXXX XXXX XX/XX/XXXX. {$1400.00} XXXX XXXX XXXX XX/XX/XXXX. {$4000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my trans u ion credit report there are inquiries on there that I never authorized to be on there, Ive contacted trans union an notified that it wasnt me and remove the injury, they did not follow the fr a laws that stats this 15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



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, credit repair services, or other personal consumer reports

I am filing a complaint against Transunion, XXXX for their continued willful and negligent noncompliance to fix erroneous information on my credit report. Despite XXXX written request, Transunion failed to resolve the matter and continuously responded back that the information was " verified '' with no documentation to support the method of verification or accuracy of the disputed accounts. The FCRA law is clear regarding my rights and Transunion have caused me great credit damage because I have been denied credit on numerous occasions and been charged high interest rates due to the incorrect information on my file. I hope this matter can be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/XXXX I received an alert about a collection account reported on my credit history from I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$65.00}, Date Updated:XXXX Amount : {$65.00} Original Creditor : XXXX XXXX XXXX  Past Due : > XXXX XXXX XXXX Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I looked up the debt collectors ' information and I gave them a call. They informed me about an electrical bill that is past due to XXXX XXXX, from an address that I never resided at. I informed them that I don't know anything about this bill, never received any debt demanding letters nor any bills from XXXX XXXX or from IC Systems Collections and I asked them to remove their false report from my Credit History. Immediately I called XXXX XXXX, I was worried about my personnel information being compromised. XXXX XXXX was not able to find an account in my name either. I informed IC SYSTEMS Collections about XXXX XXXX not being able to find an account under my name. They said that they have to validate the debt with their client. In this case, I asked IC SYSTEMS COLLECTIONS to remove any collection records from my Credit Report, since they are not able to validate the debt. AT the moment, I am in process of buying a house. The IC Systems Collections refuses to remove their collection record from my Credit Report. IC SYSTEMS COLLECTIONS committed an unfair and illegal act which violates my rights under Fair Debt Collection Practices Act, 808 and 809. I asked for your assistance in resolving this matter. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX XXXX XXXX XXXX are violating my rights as a consumer. I began notifying the consumer reporting agencies that they were violating my rights on XX/XX/22. I also notified them on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. XXXX XXXX has removed the accounts from my file. 15 US Code 1681 Section 602 a says I have a right to privacy. No consumer reporting agency can furnish an account on my file without my written consent. I have not given anyone written consent. This is identity theft. 15 US Code 1681 c 2 says a consumer reporting agency will block any information on the file of a consumer that the consumer identifies as information that is the result of alleged identity theft within 4 days after the day of receipt. These accounts are still reporting. XXXX  and XXXX XXXX are also committing tax fraud. The IRS says it is illegal to report a charge off. According to them this is income. I am demanding they file a 1099 C and I would like the audit trail of these fraudulent accounts. They both are 15 USC 1681 e ( b ) by not reporting 100 percent accurate information. I am demanding that they follow 15 1692. ( c ) and cease all conveying of information directly to any person through any medium. The communication is the reporting of these accounts to my credit file. My consumer report is the medium. Your deceptive practices have caused me great mental distress and caused me to lose faith in our banking system. I demand that these accounts be removed immediately.
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. 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. My Correct and only name is XXXX XXXX XXXX remove all misspelled names. My correct and current address is XXXX XXXX XXXX, XXXX XXXX, Md XXXX remove all old addresses immediately.

The following accounts are in violation of 15 USC 1681 : 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: Checking or savings account

On XX/XX/XXXX XXXX noticed multiples unauthorized transactions and I immediately called chase XXXX customer service claims department to report and dispute the unauthorized transactions. It will be noted that these unauthorized transactions were done using a debit card and a pin which I never received. When I initially opened my business checking account on XX/XX/XXXX, I never received a debit card or a pin. All my business transactions were solely done with XXXX. So it was a surprise to me when I logged on my business account to find multiples unauthorized transactions done with a debit card in XXXX, Tx ( an area Ive never been to and live no where near ). Chase bank gave me a provisional credit for the total amount of the dispute on XX/XX/XXXX. However, on XX/XX/XXXX, all the provisional credits were reversed. I called chase claims Department to ask why the provisional credits were reversed. A supervisor named XXXX in the claims department advised me that the claim was denied because the debit card and the pin were sent to the address on file, and there were no bad pin tries. Keep in mind, the representative states that the card and the pin were sent in XX/XX/XXXX. However, I have never received a debit card or a pin from chase for my business account. I would like to remind you that I dont use my business account for debit transactions, Im a small business and all my business transactions were done using XXXX on my business account. 
Considering all the points above, I am requesting that the investigation of the fraudulent charges on my account be reopened. I did not make those transactions. I am officially disputing the fraudulent charges and request an immediate Reinvestigation. I am requesting that the charges be removed, and the fraudulent amount be credited back to my account immediately. Please remove the fraudulent charges immediately from my account. Once the fraudulent charges have been removed, please send me a copy of my corrected credit amount. I look forward to hearing from you soon. Failure to honor, I will be filing a formal complaint with the CFPB, the Federal Reserve, and the Pennsylvania Attorney General. 

Account number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma EMAIL : Enclosures : screenshot of all the fraudulent transactions and the police report
Product: Checking or savings account

On XX/XX/2023, my debit card was used at an unknown location, for which I did not recognize. The transaction for XXXX XXXX  caused my account to be overdrawn by a very small amount. I immediately contacted Discover upon viewing the suspicious transaction. The agent " XXXX, '' refused to cancel my existing card to my shock and horror, and started acting in a really condescending and accusatory way telling me she refused to cancel my card until I paid them back for the fraud. 

Never have I ever been scammed like this for one with an obvious fake card, but also never been so blatantly extorted for money on top of it for the fraud committed against me. I am beside myself with what has gone on here, that not only was my money not protected, but that also I am not being treated like the criminal at fault.
Product: Mortgage

So I have been on forbearance for the past year like everyone. In XXXX, the COVID Relief act passed {$9.00} XXXX to help homeowners. When I try to apply for these funds to help bring my mortgage current, there seems to be no money available. So is this a lie? Why cant we apply for help from this {$9.00} XXXX. I NEED HELP ASAP. My forbearance ends soon. 

See XXXX XXXX XXXX XXXX XXXX  " The bill also provides {$9.00} XXXX to help homeowners struggling with mortgage and utility payments. To apply for mortgage assistance click here. " but when you apply it just takes you to a page that says you have to apply for a forbearance. ARE YOU KIDDING ME??????? 

please eXPlain why this money is not really available to help homeowners stay in their homes when it was put in writing that it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX  Texas XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, several fraudulent accounts have been opened in my name without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that you immediately block and delete the following accounts from my credit report : Fraudulent Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

On or about the yearXX/XX/XXXX my mortgage company was XXXX XXXX XXXX. I was put on a program of weekly mortgage payments, applied weekly, to save on interest. I was told by the XXXX representative that by implementing this program with applied weekly payments, my 30 year mortgage would become a 17 year mortgage. 
In XX/XX/XXXX my mortgage was sold to Ocwen Loan Serviving LLC. Upon looking at my online statement, I noticed that my weekly payments were being held in suspense and not applied to save interest as originally intended through XXXX. 
I spoke to a customer service representative today. I was told that Ocwen doesn't have this type of program. I responded that I didn't ask for Ocwen to take over my loan and was never told that weekly applied payments was no longer available to me.I asked what my recourse was and was told there really isn't anything they can do. 
I feel that that both XXXX and Ocwen are at fault here. XXXX shouldn't be selling a loan to a company that can't replicate applying funds on a weekly basis. Ocwen shouldn't be buying a loan for the same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


CITICARDS CBNA # XXXX PO BOX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financial liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the XXXX. Please delete the following unverified fraudulent account : XXXX XXXX XXXX$240.00} THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA XXXX VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, Equifax and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX NA Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided insome of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to todays complaint.. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off a loan with BHG ( loan number XXXX ) earlier this month and BHG confirmed receipt and issued a refund due to the terms of the loan. Despite the loan being paid off, they illegally withdrew the payment amount of XXXX from my checking account today which is the due date had i not paid the loan off. Demanding immediate return of the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account of XXXX XXXX is not reflecting consistent or accurate information. I have advised the bureaus, cfpb and the XXXX and this account is still reflecting inaccurately on my credit files. 
Dates, are wrong and or incorrect, reported dates inaccurate, late payments inaccurate. There are many inaccurate items. 
There is also a new inquiry from XXXX XXXX that is unauthorized. I have not granted any permission to run my credit for a student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IN XXXX CA XXXX DID THEFT ON MY XXXX XXXX XXXX XXXX IN XXXX CA XXXX IN XX/XX/2019 AND RUINED MY ACCOUNT BY DOING IDENTITY THEFT, DOUBLE CHARGING ME AND POSTING MY PAYMENTS 30 DAYS PAST DUE. XXXX CALIFORNIA IS GANG INFESTED AND I AM A GANG SUPPRESSION PERSON. THE GANGS THAT WORK IN THE BANK AND XX/XX/XXXX TRIED TO RUIN ME. THEY REPORTED LATE PAYMENTS AND CHARGED OFF MY XX/XX/XXXX. THEY PLACED A {$3200.00} LOAN AS A CHARGE OFF ON MY XX/XX/XXXX REPORT IN XXXX AND NOW IT SHOWS A XXXX BALANCE AND SENT ME TO A COLLECTION AGENCY. THEY ADDED A XXXX XXXX XXXX XXXX LATE CHARGE AFTER THEY THEY HAD REMOVED IT .THEY MANIPULATE MY CREDIT REPORTS AT WILL. THE GANGS HERE WORK IN THE BUREAUS AND GIVE THEIR MEMBERS GOOD CREIDIT AT WILL .I HAVE BEEN FIGHTING IDENTIYT THEFT USING A TASK FORCE.