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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX
Product: Debt collection

I recently reviewed a copy of my credit report and noticed i have fraudulent accounts and activity on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX  XXXX  Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Vehicle loan or lease

Ally was informed on via CFPB complaints on XX/XX/22, XX/XX/22 and XX/XX/22 that this lease was submitted to Ally by XXXX ( auto dealership ) using fraudulent documents ( my signature is forged on the purchase order ). Ally has demonstrated relentlessly habitual bad-faith in investigating this matter. Ally has provided no response to claims of forged documents being submitted, and has conducted no investigation. Ally has made clear they are aware of and condone funding auto leases predicated on fraudulently submitted documents. Any response to this complaint by Ally that does not specifically address the fraudulently submitted purchase order will be considered an admission of guilt and should include the appropriate legal contact information for submission of summons and subpoenas.
Product: Mortgage

XX/XX/XXXX I purchased a Townhome in XXXX, SC as a Veteran loan, which was financed by XXXX XXXX ( XXXX ). I satisfied all pre-qualifying requisites to include obtaining flood insurance beyond the general home insurance. After a couple of months, XXXX sold my mortgage to Caliber Home Loans. On XX/XX/XXXX, Caliber Home Loans notified me that they had deducted {$2700.00} to purchase comprehensive wind insurance on my behalf. Although I understand I can purchase my own wind insurance, I find this practice quite arbitrary since during the loan qualifying process, XXXX XXXX did not require it. Further when I contacted them, they stated I was not required to get this insurance and even attempted to contact Caliber Loans on my behalf ( See attached e-mail ). Caliber Loans chose to purchase my mortgage, not the other way around and they did so knowingly I had no wind insurance, which as previously stated I 'm not required to have. If Caliber Loans feels they need to further protect their investment as they have stated on their notice to me, then that is a financial expense that they need to afford themselves, instead of placing this added financial burden on my and my family. A consumer should not be subjected to new requirements every time a loan is sold to another financial institution. This is not a fair practice. I asked that they return the money they deducted from my escrow.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written notification to the consumer within five business days of the reinsertion. 
2. Certification from the information providerindicating that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

3. Take necessary measures to prevent future improper reinsertions.

Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly Thank you in advance for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX
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
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Inaccurate Credit Reporting by XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint regarding Equifaxs failure to ensure the accuracy of my credit report and conduct a complete investigation into a disputed account reported by XXXX XXXX XXXX ( XXXX ). Equifax has not adhered to its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The inaccuracies on my credit report are as follows : XXXX XXXX XXXX has inaccurately reported the account as being 120 days past due for XX/XX/2024 and XX/XX/2024, while reporting it as current for XX/XX/2024. This inconsistent reporting is false and damaging to my credit profile. 
XXXX XXXX XXXX has not provided any evidence that I own this debt. Specifically, they have failed to produce a signed contract or any documentation proving that I am liable for the alleged debt with their company and myself. This debt from XXXX does not belong to me
Product: Checking or savings account

I was XXXX to a XXXX and I am in the process of getting XXXX. 
My XXXX has been a XXXX XXXX of the XXXX for XXXX years, I am an XXXXXXXX XXXX. I have had a Wells Fargo account since 2018, a XXXX XXXX  and a XXXX XXXX I use this account to receive all payments from customers and I also use this account to pay my customers and suppliers. My account has been blocked for more than XXXX days, due to XXXX XXXX. All my money is blocked. I have been calling and going to Wells Fargo agencies every day, thus losing days of work. On XXXX my XXXX XXXX was approved for XXXX XXXX and today is XXXX  and my account is still blocked. I have to pay my rent ( which already has a late fee ), I have to pay my credit card, I have to buy food. I don't have money to put gas in my car. My other bank is negative and I am paying charges. I also have a late fee on my credit card. And no one solves my problem. that's not fair. I have {$83000.00} in my account and I can't use it. I'm in need because of this. I need my money today. I need to pay my employees
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does NOT belong to me. It was recently added to my credit report. I disputed and requested documentation which I have not received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Subject : Request for Removal of Fraudulent Accounts Dear Trans Union, XXXX, XXXX I am writing to inform you that I, XXXX XXXX, have been a victim of CPN ( Credit Profile Number ) theft. Multiple accounts have been opened, closed, and maintained in good standing without my authorization. I have no knowledge of the individuals responsible for these actions. My address was used but a forwarding address was submitted in connection with this scam. 

Below is a list of the fraudulent accounts that appear on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the local police, and I have been advised to file a complaint with the XXXX ( Consumer Financial Protection Bureau ). My CFPD complaint number is [ XXXX XXXX Complaint Number ]. 

I have attempted to resolve this matter directly with your bureau, but I was informed that providing the XXXX complaint numbers is necessary. Therefore, I kindly request that you investigate these fraudulent accounts and remove them from my credit profile at the earliest convenience. 

Please find attached copies of relevant documentation, including the police report and any other supporting evidence. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I was alerted that an account was reported as in collection on my 3 credit reports. The collection company, Amsher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX reported that I had an account with XXXX XXXX in the amount of {$270.00}. I did not open this underlying account, did not receive any goods or services from XXXX XXXX, and have not knowledge or notice of the debt. I have twice attempted to dispute the legitimacy of the account, but both times XXXX has stated that the debt was valid. I also disputed the debt directly with Amsher Collection Services in writing, but have received no response. 

I have disputed this validity of this account with all three credit reporting agencies, of which XXXX has deleted the invalid account from my credit report.
Product: Credit reporting or other personal consumer reports

I have previously submitted multiple requests for your company to reinvestigate several inquiries on my credit report that I believe to be inaccurate. Isn't it your responsibility to complete these investigations within 30 days of receiving the request? I've also heard of instances where companies pull credit reports without a permissible purpose, yet I haven't received any verification from your company regarding these inquiries. Below is a list of the inquiries I need to be reexamined : I have attempted to contact each of these companies, but many have no record of me, raising the question of how they could have a permissible business purpose to access my credit if they are unaware of who I am. 

XXXX XXXX Inquiry XXXX XX/XX/2022, XXXX XXXX XXXX XXXX Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2022.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX  tokens and XXXX XXXX tokens were wiped out from my coinbase wallet and its the pure case of account takeover. As per coinbase my wallet access phase was compromised.But without me sharing any information nor accessing the wallet from my device, how can someone log into my wallet, undo my face id authorization for transaction and wipe out funds without Coinbase even sending a notification/text alert of login into wallet? This is purely a security breach from coinbase and this has costed me $ XXXX USD worth of tokens lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up with a claim that I made previously XX/XX/XXXX. I never heard back from Equifax. I am still disputing the XXXX XXXX account. I received a letter from XXXX XXXX that the debt has been sold to XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX yet Equifax is still reporting a past due amount. By law this is illegal. I am asking that the entire account be deleted. I have attached a letter from XXXX XXXX stating that the debt has been sold. Equifax has updated and is still reporting incorrectly. I am asking that this debt be removed. 

Also there has been no response since XXXX which is longer than the 30 days. Remove the XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has committed fraud and falsely reported accounts, addresses, and inquiries on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. XXXX  and XXXX  are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XXXX/XXXX/2020 and they have failed to respond back.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, I send XXXX usd from my XXXX account to XXXX. My XXXX  account shows that XXXX successfully received it, and XXXX customer service staff confirmed this. But XXXX claims the didn't, but doesn't even do any tracing with numbers provided to investigate the issue. I only get generic answers back. 

They say they could not receive a usd transfer as that account doesn't support it, and that's why they refuse to investigate. So even when I tell them that XXXX confirms a successful payout to XXXX, it falls on deaf ears.
Product: Debt collection

On XX/XX/2017 I received this collection notice on a debt already paid. I have recently submitted a claim XXXX number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the Company Names and Account numbers listed below has violated my rights. 

account number XXXX XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXXXXXX {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Also, listed below are two accounts ( * ) that were ( inaccurately ) listed twice on my credit report. 

[ 15 U.S.C. 1681 ] ( 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.
Product: Debt collection

I had a account with XXXX  for internet service. 
I cancelled my service on XX/XX/XXXX. 

The final bill I received from XXXX  was for {$46.00} and the service date was ( XX/XX/XXXX through XX/XX/XXXX ) I only used the internet from XX/XX/XXXX through XX/XX/XXXX I tried contacting someone from XXXX  to close my account and pay for the ( XXXX ) weeks that I used the service. I could not get anyone on the phone. 

Now, I keep receiving phone calls from Sunrise everyday. I've told the representatives at Sunrise my situation and repeated I will only pay for the part I used.
Product: Credit card or prepaid card

I was scammed on XXXX for the amount of XXXX dollars on XX/XX/XXXX by cashapp user XXXX XXXXXXXX. He refused to return my money back and did not send me the merchandise he had promised me. So instead of Cashapp helping they kicked me down further and instead of them returning my XXXX that I was scammed for they closed my account for no reason.
Product: Credit reporting

I have been fighting with Experian for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax Credit Report, XXXX XXXX is showing twice for the same account. The dollar amounts are {$1.00} off. I have been in contact with XXXX XXXX AND Equifax for over a year. XXXX XXXX showed me proof they have only ONE account for me. I sent this information to Equifax and since XX/XX/2017 all they do is send me a letter saying it's verified. It's not getting corrected. I want the account that is showing in the amount of {$830.00} to be deleted.
Product: Debt collection

I know that the cfpb is well aware of portfolio continued illegal debt collection practices and consumer reporting violations. Well they are still at it. 

I pulled a copy of my credit report because I am planning to purchase a home and notice Portfolio reporting multiple times with different account numbers on my credit report I wrote to them and this is what I requested " I requested verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt '' All they sent me was the same documents I asked them not to send me, billing statements that anyone can create themselves, the billing statements of the companies they sent I do not recognize none of the documents they sent have my signature and the letter they sent with the fake billing statements said that they should not be collecting on the debt because it pass the statue of limitations. Yet when I pull a recent copy of my credit report I still see them there. Having the debt report on my credit report is a form of collection.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 
Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}
Product: Bank account or service

I have a PayPal account. I funded my account with PayPal My Cash card that I bought from a store. I then used PayPal debit card to make regular purchases. Based on those activities, PayPal freeze my account for no good reason. I 've asked them to refund my balance but they refuse to do so and said they will hold my money for 6 months. Please help and make PayPal refunded my remaining balance. They have no right to keep people money for 6 months.