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

" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

TIDEWATER FINANCE COMPAN XXXX XXXX XXXX XXXX VIRGINIA XXXX, VA XXXX ( XXXX ) XXXX The account was always paid on time and the company made and error and had agreed to correcting this with the bureaus. This corrected itself for one month and then came back. They are not keeping their word on making the account show current. I was never late. I actually paid the account in full as they are not honest. This company was recently the account that was used by XXXX XXXX who is no longer in business. 

I have demanded this be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report twice. The account is XXXX XXXX XXXX XXXX XXXX. One for {$35.00} and the other for {$65.00}. I have no knowledge of this account. But it's on my credit report twice. And another this is XXXX XXXX needs to be removed from my credit report. it's an old account.
Product: Debt collection

I received a letter in the mail from Transworld systems inc regarding a debt collection on a traffic ticket from XX/XX/XXXX. The lady was really helpful and offered a dispute for 30 days and also made me aware of 2 other outstanding tickets from XX/XX/XXXX that their sister company XXXX XXXX was handling. I asked for the information and details about that matter. After getting off the phone with Transworld I called XXXX XXXX  and spoke to this lady about this matter. She told me that maybe my case would affect my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay  situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane ( original amount given to Transworld {$330.00}, amount owed now {$620.00} ) and XXXX XXXX original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly more than twice the original amount and I do n't have receipts or anything it 's been so long.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XXXX {$730.00} XXXX XXXX XXXX  Opened XXXX {$900.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$1500.00} XXXX XXXX XXXX  Opened XXXX {$2400.00} XXXX XXXX XXXX Opened XXXX {$2600.00} XXXX XXXX XXXX Opened XXXX. 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
Product: Credit card or prepaid card

Chase representative messed up my accounts and sent me a replacement card, closed my previous account without my oral/written consent ( Please note : I am in a very good standing, no balance left unpaid whatsoever ). I found this very unacceptable and unprofessional. Apart from apologising, Chase did not do anything to make things right ( restore my account ) or to compensate for inconveniences caused. 

I also do not feel safe with my information if Chase employees are authorised to issue cards without my oral/written consent.
Product: Debt collection

My husband stole my identity after we married, as the trustee of my Trust and began taking out mortgages and HELOC 's against the equity in my Trust. His best friend ( XXXX XXXX ) owned his own XXXX, XXXX XXXX XXXX and so he processed the loans and then my husband used an escrow officer ( XXXX XXXX ) at XXXX XXXX XXXX to have us sign quit claim deeds to move the money in and out of my Trust. I was an XXXX  on a XXXX XXXX and so I was afraid to challenge or report my husband for fear of XXXX. He continued to XXXX and XXXX XXXX XXXX and take out hundreds of thousands of dollars from my Trust. Twenty years ago, identity theft and mortgage and title fraud was something that I was not familiar with, and as my husband I " trusted '' him, yet I was also fearful and scared of any retaliation if I did not submit to him. He refinanced my Trust in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX to the tune of approximately 1 million dollars. At no time did I ever initiate contact with XXXX XXXX, XXXX XXXX, nor initiate any Real Estate transactions. He was never the Trustee nor a beneficiary to my or my mother 's Trust. My sister sued me in XXXX for the Conversion of my mom 's Trust ( which is stacked on top of mine ) and at that time I became fully educated as to the extent of his criminal behaviors. He has refused to cooperate however with the civil and divorce courts. XXXX XXXX, Special Master has perjured himself in the divorce courts. Judge XXXX XXXX has silenced my testimony and evidence. His lawyer XXXX XXXX XXXX has submitted false statements to the court. I have filed for identity theft with the FTC, IRS, FBI, the AG office, Organized Crime of XXXX Police, SSA and the DHS. My husband fraudulently brought me from XXXX on a Petition for an Alien Relative and instead of supporting me, he has stolen hundreds of thousands through mortgage and title fraud.
Product: Credit reporting

XXXX Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : XXXX XXXX Cards notifying me XXXX XXXX XXXX of the above debts. 
I contacted the XXXX major Credit bureaus and XXXX Cards making a point of proving to them that I was the victim of Identity Theft. The entities named above validated the debt as mine, yet they did not provide any documentation legally linking Me XXXX XXXX to the account. 
The problem with their validation is : 1. I was residing in different city than the one provided for the origin of this account. 
2. Therefore the accounts are linked to an Address that I never resided at 3. The number one way companies validate an account is through a signature neither of the entities above have done so.
Product: Prepaid card

Received prepaid debit card from Equifax as legal settlement however it is impossible to use this card for online payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

Experian refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

on XXXX XXXX XXXX  I sent a letter to both bureaus expressing the fraudulent and unauthorized accounts that are reporting illegally to my credit file, I also asked for them to send me proof of their investigations in which they have failed to do, and I asked for them to send me proof of them validating that the debt that they are claiming I owe, with documents bearing my signature, and they still have not yet done so.
Product: Credit card

Chime recently mailed me an unsolicited Debit card. I called Chime several times to inquire as to why I received an unsolicited card and to request close out account info. Chime made it very difficult to talk with a live representative. Im not sure if the Chime debit card was issued via some type of fraudulent activity requiring a conversation with a Chime rep for an explanation. The phone number provided by Chime is : XXXX.
Product: Mortgage

I have tried my best to avoid for foreclosure did several attempts to work with CARRINGTON MORTGAGE SERVICES I did several modification to see if can get any help with avoid getting foreclosure on my home but keep getting denied every time they never had reason why it was denied.I just receive a letter in the mail from CARRINGTON saying your denied at this time.I called CARRINGTON several times to work something out with them letting know if please do a repayment plans got denied or do forbearance agreement got denied CARRINGTON was just interested in full payment what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX . XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate details on my credit report in violation of 15 USC 16c-2. This false information is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Santander to remove the negative collection account under my name because there is a paying as agreed account listed already so there are 2 accounts. This is an error and they dont want to remove it and keep showing it on my credit report and its preventing me from getting jobs and defaming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went car shopping and got a preapproval from XXXX XXXX XXXX XXXX. The lady that helped me at XXXX XXXX XXXX in XXXX, CA insisted on running the credit again on their end and ran it XXXX more times that same day. 

She said it would count as XXXX, but I have XXXX hard inquiries that day. 

To top it off, they didn't even have the vehicle in stock that I wanted. They lured me in saying they had it in the back only to come back and say they had sold it, after running the credit.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 vears.

15 U.S.C. 16815-2 ( 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: Checking or savings account

I received a settlement check from a wrongful death suit involving my mother and the approximate total of the check was {$130000.00} on XX/XX/XXXX. According to the Wells Fargo bank statement of XX/XX/XXXX, a deposit, of {$130000.00} was made into my Wells Fargo Access Fifty checking account. I spoke with a Financial Counselor representative at the bank that asked how did I come to have such a large check. I explained about the settlement. I only wanted to put that money in my personal checking account. I was told that I needed to open a savings overdraft protection account to avoid monthly fees and charges. I believed that was a separate account. This money was never deposited or linked to the overdraft savings account. Both accounts were online banking accounts of which I did not have access to a computer ; therefore, I was unable to check the accounts. No paper statements were sent to me. On XXXX XXXX, a withdrawal made in a Branch/store of {$36000.00} was made. I did not withdraw this money. On XXXX XXXX, a withdrawal made in a Branch/store of {$75000.00} was made. I did not withdraw this money. On XXXX XXXX, a withdrawal made in a Branch/store of XXXX was made. I did not withdraw this money. 
In XX/XX/XXXX, I was inquiring about a line of credit with Wells Fargo. The bank manager said I had to have a substantial amount of money in the bank for a line of credit. I said I do. She asked what account? I told her it was in my overdraft account. She said, What money in an overdraft account? I told her I put money in an overdraft saving account in XXXX. She said that their bank records do not go back that far, their retention period is only 7 years. However, she began to find and printed out an access fifty checking bank statement from XXXX XXXX XXXX. It verified a check totaling {$130000.00} was deposited on XXXX XXXX. Its showed a withdrawal of {$36000.00} on XX/XX/XXXX, {$75000.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX. The bank manager found several other accounts in my name of which I never opened or even knew about. I requested to see a signature page or signature of the withdrawal slip for those withdrawals. The bank manager said that information was not available since they only keep 7 years worth of information. I requested an investigation. She notified an escalation team of Wells Fargo. This team called me back in 5 days- they stated the retention policy was only 7 years and she could only find a bank statement starting with XX/XX/XXXX and no further information was available. I believe since the money can not be found or accounted for -identity theft, multiple accounts and a merger between Wachovia and Wells Fargo and Overdraft Protection Account, hid the removal of these monies.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several inaccuracies on my credit report. As a consumer, I believe it is important to raise awareness about this matter and seek your assistance in resolving it. I have attempted to resolve this matter directly with the credit bureau : Experian, XXXX, and XXXX but my efforts have been unsuccessful. It is my sincere belief that the practices or actions in question are in violation of consumer protection laws or regulations, and I kindly request your intervention and investigation into this matter. I have chosen to reach out to the Consumer Financial Protection Bureau because of your reputation for advocating on behalf of consumers and ensuring fair treatment in the financial marketplace. I trust that your expertise and authority will help address this issue appropriately and hold accountable those responsible for any wrongdoing. In order to assist you in your investigation, I would appreciate any guidance or advice you can provide me regarding next steps or any additional measures I can take to resolve this matter. Thank you for your attention to this important issue. I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and look forward to a prompt resolution. Collection agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006 34 ( D ) and 15 USC 1681-S2 ( 7 ) ( A ) Requesting the purchase agreement between collection agency and original creditor. 

Here are the items I am asking you to verify as accurate on each credit bureau : Experian : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] Thank XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I am a federally protected consumer and Convergent Outsourcing Inc. has violated me under the provisions of 15 USC 1692. Please review attached documentation.
Product: Credit card

I used a debt relief agency to pay my debts ( XXXX ) and it was charged off, but still shows up on my credit report. This has been over XXXX years.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer/credit reports I noticed there are incorrect names and addresses being reported by all three bureaus without my permissible purpose or their knowledge of the information to be true.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 an 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 card or prepaid card

I had purchased flights through XXXX XXXX  XXXX on XX/XX/2019 with my Wells Fargo XXXX credit card. The flight was canceled in XXXX due to Covid and I have called them and messaged them on XXXX and they are saying that the refund is still just in progress and it has been over 5 months.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account and inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXX opened XXXX {$24000.00} # XXXX .I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX, XXXX and Equifax What happened Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries and account are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX and Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX