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

I am filing a formal complaint against Equifax, Experian, and TransUnion for their failure to remove fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four ( 4 ) business days of receiving a dispute and an identity theft report. 

I submitted my FTC Identity Theft Report ( No. XXXX ) and disputed the following fraudulent accounts that were opened in my name without my consent : 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  Amount : {$10000.00} These accounts are fraudulent, unauthorized, and illegally harming my financial standing. Under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are legally required to block and remove this information within four ( 4 ) business days of receiving my report. However, they have failed to comply with this legal mandate.

Legal Basis for Immediate Removal 15 U.S.C. 1681c-2 ( FCRA Blocking Information Resulting from Identity Theft ) A consumer reporting agency must block identity theft-related information within four ( 4 ) business days of receiving proof of identity and an identity theft report.

The failure to block or remove these fraudulent accounts violates federal law.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) Creditors and collection agencies must not report inaccurate or false information to credit bureaus. The listed accounts are fraudulent and must be deleted immediately. 
Consumer Financial Protection Bureau ( CFPB ) Enforcement Authority The CFPB has the power to enforce violations of the FCRA and FDCPA, including imposing penalties for non-compliance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is in response to TransUnions recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

XXXX XXXX XXXX XXXX, credit limit {$13000.00} ( See attachments ) I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). 

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 
In XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely parrot information from the creditors and collection agenciesthat they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor in question. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Deceased old owner of wellsfargo and company, and XXXX XXXX XXXX  .owner of both businesses, old owner of these two huge businesses is XXXX XXXX . XXXX XXXX XXXX, aka XXXX XXXX  and XXXX XXXX XXXX, has made me beneficiary or spendthrift too his ownership of these businesses and his businesses account. His personal manager and public management, or trustee or trust attorney or trust deed agent of the business administration ether is not going too give me a copy of his last will testament, or operational agreement too the  businesses, they are make me lose my property buy not give me financial report too what i own. They are abandoning my property, by abuse it and not pay taxes .they are refuse too give me all legal papers i need too proceed as the new owner of XXXX XXXX XXXX . I need fo wellsfargo too give me deceased owner of said businesses name in this text, all the contact information such as trust attorney and and agent, and trustee, all they information, and a copy of testimony will or a deed of trust blind trust. I need a copy of all of this so i can no what i can do and not. And also XXXX  too what yall all doing with my money. .trust address on file..XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX  ga XXXX, XXXX XXXX XXXX XXXX  ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX . I dont no what on this address XXXX XXXX XXXX XXXX XXXX  ga XXXX .so yall a have too ckeck all this stuff and give me a understand on it in write. The trust spill out release dates of the age XXXX and XXXX and XXXX., 2 of the ages are gone. And havent seen nothing yet. U see why i need a copy of the paper now.. yall make me lose my property and put me in debt. I mite need too file bankruptcy, XXXX XXXX XXXX XXXX  ga XXXX. All the address and names in this text is own and co own by XXXX XXXX, deceased. Do the trustee or management has my contact information, if yall refuse too give me all of this information a police and will arrest all of yall and sue yall too .fo abuse me as beneficiary and the public, too. XXXX XXXX XXXX XXXX ga XXXX. Please talk too me by email fo a better response. Or call .this is the 3rd complaint.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX  XXXX Balance : {$0.00} on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of an apartment in XXXX in XX/XX/XXXX, where I was going to school, and took in all of the cable TV/internet equipment, and discontinued the service. All billing was paid timely. 

Many years later they are sending bills and have placed a collection item on my credit report. 

My permanent address, my telephone number, my email have not changed since XX/XX/XXXX. If they would have sent anything at the time, I would have eagerly worked to resolving or paying. 

They wait all of these years, until the records are all unavailable to throw this bill out there. They have offered nothing to validate this ; when asked, they simply send a letter saying the amount owed. 

If there are others with this same problem, I would like to do a class action lawsuit. Not for money, for relief. Companies should not be able to just bring up a 6 year old list of customers and send out bills to them, and not have to provide any documentation whatsoever to back them up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

Under 15 U.S.C. 1681 XXXX  account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXX XXXX XXXX XXXXXXXX account was closed in XXXX {$7800.00} # XXXX XXXX  account closed XXXX {$10000.00} # XXXX XXXX XXXX XXXX account closed XXXX {$110.00} # XXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX XXXX account # XXXXXXXX XXXX XXXX  XX/XX/XXXX closed account # XXXXXXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXX XXXX  inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX  accounts have all violated my rights. 
15 U.S.C. 1681 section 602A. 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 an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any items of information or any 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: Student loan

I finally paid off my full student loan to Navient in XX/XX/2022. I did so around the same time another auto-payment was being made causing my account to be overpaid by {$100.00}. I requested a refund in XXXX and they said they processed it and it would be returned to my bank account within a couple months. I never got the refund and have requested another update from them without resolution. What can I do to get my over payment refunded to me? 

Thank you XXXX
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau account reported to the credit bureau agencies that my credit balance had increased, resulting in a XXXX point decrease in my XXXX XXXX. This reporting was inaccurate as there was an open dispute for the charge that resulted in the increase in my balance, days after reporting this information to the credit bureaus XXXX XXXX department completed their investigation and found in my favor that the charge was made in error and return those funds to my credit card, however, they did not fix the error of the report to credit bureaus regarding my being over the credit limit.
Product: Checking or savings account

On XX/XX/18 I used the XXXX feature on the chase mobile app to deposit a check for {$360.00} because I don't have a car and getting to a branch was inconvenient. I was then told that they refused to process my deposit in a timely manner. I spoke to a supervisor and was told it would be over 24 hours but that the check will be out of its pending status by end of business day or XXXX, and at that time they could issue a credit for the check amount. I asked if I could instead go into a branch in person to get it cashed instantly and I was told yes. I walked XXXX minutes each way to the branch located at XXXX XXXX XXXX XXXX XXXX, UT just to be told it was impossible since it was still pending and they rudely turned me away. I called back and another agent told me I could just overdraw my account at an ATM. So I literally spent another XXXX minutes each way walking back to the bank 's ATM for the transaction to decline. I called again and was told my account wasn't authorized for overdraft. At this point, it was after XXXX so I asked why the check was still in pending status and I was told the end of business day was actually midnight. So I asked for another supervisor who explained that she would file a complaint about all the misinformation I received but ever so rudely told me she would do nothing to help me actually get my money. So I asked to speak to someone else if she wasn't even going to try and help me. She told me there's no one else to speak to and my call ends there, then she rudely hung up on me. I called back to file a complaint against her and was promised I was being transferred to another supervisor named XXXX XXXX. Next thing I know, the automated system is saying " press XXXX to fill out a survey or please hang up now. '' meaning that they literally hung up on me while trying to file a complaint about being hung up on. The lack of customer service, the misinformation and the rude behavior I received from several Chase employees is terrifying and just plain wrong.
Product: Debt collection

I have obtained a police report regarding identity theft regarding items that I was not aware or responsible for and provided the information to all three credit bureaus. As a result the erroneous items were removed from my credit report. Today, XX/XX/XXXX, I received an alert from XXXX stating that I had a new collection report with the following information : Account name ALLIED COLLECTION SERVIC Account numbers : XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX When I called the collection company, Allied Collection Services, they were unable to open the account and provide specific information. This was a violation of the Fair Reporting Act. They seemed to have purchased a list and filed two fraudulent collections claims against my credit.
Product: Credit reporting or other personal consumer reports

After reviewing my consumers report a few months ago, I noticed there were a few accounts listed that aren't mines. I have never in my life heard of these companies reporting nor have I ever given out my personal information. I need these accounts removed immediately ; this is ruining my reputation. 

XXXX XXXXXXXX XXXX  - Owing {$3300.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX Owing {$480.00}. PostedXXXX 
Acct # : XXXX XXXX XXXX Owing {$980.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX Owing {$1000.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX Owing {$940.00}. Posted XX/XX/XXXX Acct # :XXXX
Product: Payday loan, title loan, or personal loan

I got solar panels in XXXX from Solar City AKA Tesla now on my house and my detached garage for my out buildings so I have XXXX accounts. I send in XXXX separate payments each month-one for each account. Then in XXXX I realized that they were not applying ANY of my payment toward the principle and putting the entire payment all toward interest. I called and they reworked my principle on both accounts to account for the payments I sent in but then it started all over again. They were applying the entire payment again only toward the interest and nothing toward the principle. I have NEVER had a loan where the entire payment goes toward interest and nothing toward the principle. I think this XXXX XXXX  needs to be looked into as this can't be legal. ANYWAY I was finally able to get a XXXX to payoff both accounts with Tesla as this was just sending money to a bottomless pit. These are the firs loans I have ever had where when it came to paying off the balance, the balance was higher at payoff then the original loan after making years of payments. I got their payoff statement and took a loan for the full amount on both accounts. Payment was made and they acknowledged via email receipt of both payments on XX/XX/XXXX which is before XX/XX/XXXX showing the amount to pay off by. I thought I was done dealing with Tesla but in XX/XX/XXXX, I received a statement showing no payment received and adding more interest. On XX/XX/XXXX I mailed them the statement they sent, the loan payoff statement, the XXXX emails I received from them acknowledging they received payoff payments for both accounts as well as the statement for the XXXX XXXX XXXX XXXX showing where XXXX separate payments were wired to them in the amount to payoff these loans. NOW you would think they would figure it out and correct their mistake-WRONG! I received another statement XX/XX/XXXX still showing no payment received and adding more interest. This type of dereliction of duty, meaning they have failed to do their job-in competence should be against the law. At the very least pay the consequences for being so incompetent. That consequence for being so incompetent should be for all the payments I sent in XXXX to present that have gone to interest only. That amount is {$13000.00}. I filed a complaint with the XXXX 's office and they sent me to you. I certainly hope you are able to do something with this ignorant company and their employees. I am enclosing all the documents I sent to them that they couldn't figure out. Tesla/Solar City needs to be held accountable to the tune of {$13000.00} and their lien needs to be removed from my home as they have been paid in full and they have caused me undo stress. Maybe because I am considered a Senior Citizen they think they can pull this, that I am too stupid to understand but they are the stupid ones and I need you help to get this take care of and to show Tesla/Solar City that they need to get their business right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report XXXX XXXX - Account # XXXX as a " Mortgage '' Account Type. 
My issue is that this is incorrect. " Fractional Ownership '' is not a Mortgage. 
Experian refuses to remove this account, and I don't understand why they continue to report inaccurate information. 
Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : 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.

EXPERIAN did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of EXPERIAN requesting a sworn affidavit by me the consumer given Transunion written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. Transunion did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line.

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; Experian has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person ( corporation ) are an exclusion as well EXPERIAN has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. EXPERIAN is civilly liable for each action committed against me
Product: Credit reporting or other personal consumer reports

I only recently learned of a negative item on my credit report due to XXXX XXXX  XXXX XXXX XXXX XXXX. Only one agency has notified me in compliance with the law and that is XXXX. I have heard nothing from Equifax nor XXXX.