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

Dear Sir/Madam. 

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. and section 604 of the fcra. Section 602A states I have right to privacy, section 604A Sec 2 it states a consumer reporting agency can not furnish an account without my written instructions.

1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which and dates the report by more than XXXX  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. 

Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXX XXXX XXXX XXXXXXXX AccounXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX  : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Also the inquiries listed below were not authorized : 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. 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. 

I appreciate you dealing with this situation,
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 an unlawfully placed unauthorized inquiry was placed on my credit report, resulting in damage to my credit score and reputation. This has made it challenging for me to access credit and provide for my family.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Account from Credit Report Dear MACYS/CBNA, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Equifax has continued to report inaccurate information on my credit report. A previous request to validate information being reported resulted in items being removed. A violation of the FCRA occurs when information that has not been validated is reported, contrary to 15 U.S.C. 1692g. Student loans are being duplicated and balance amounts are inaccurate. Payments made have been added to the balance rather than deducted. This is gross negligence on their part and has caused me great financial and emotional hardships. I have been denied credit due to low scoring of my credit report due to the inaccuracies. I have been unable to obtain housing for my family. I have been denied credit for personal, family and household purposes. This is defamation of my character which gives a false impression that I can not handle my own affairs
Product: Debt collection

The company Healthcare Finance Direct started to send threatening emails about two months ago asking from money for a product I never received and with a company that went bankrupt. I filled out a claim with consumer finance ( XXXX ) and the company answered on XX/XX/XXXX saying they were going to stop communications and close my account. That never happened, I received two letters this past week to my house with the company threatening to send my information to an outside collections agency again. This is beyond frustrating and unethical.
Product: Mortgage

Wells Fargo appears to be overcharging customers in the area of escrow balances due to inflated insurance cost in most southern states and abroad. If my mortgage payment {$1200.00} ( XXXX principal, XXXX interest, XXXX Escrow ) but then for renewal Wells Fargo states Im Negative {$4000.00} in escrow to have another additional payment of XXXX a month bringing my total to {$1600.00} a month from XXXX .literally absurd. How & Why? Something is not adding up. Ive been in my home XXXX  years and this has never happened. There projections for this year is a total disgrace. If last year I paid {$400.00} in escrow that total is XXXX Insurance was XXXX and my taxes was XXXX roughly, so how did they see XXXX in escrow for this year. If the insurance go up then thats what should be added to my new payment.

Im already paying my insurance and taxes through the year where did that money go ( XXXX ) from last year till now!
Product: Credit card

on XX/XX/XXXX  an application was extended on behalf of the principal and was discriminated against. i gave them notice of who i was and what i needed them to do. i showed them that they were in violation of my right to credit and they still would not extend my credits. This is discrimination and security fraud. i have given them notice over eight times for a whole month about there misconduct to know a vale. this act of dishonor is hindering me personally and my household.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX ( XXXX XXXX ) for its failure to remove a fraudulent credit card account that was opened in my name without my authorization on XX/XX/XXXX from my credit history. 

Background I have been a victim of identity theft. On XX/XX/XXXX, fraudsters changed my mailing address via the XXXXXXXX XXXX XXXX XXXX XXXX  ) to an address with which I have no connection. 

Subsequently, during the course of XXXX, they opened multiple credit card accounts with various XXXXXXXX XXXX, as well as a XXXX phone account, using this fraudulent address. They also registered accounts in my name with Experian, XXXX, and XXXX and used a phone number that does not belong to me. 

My Residency & Evidence of Fraud I have not been a resident of the XXXX since XXXX, when I moved to XXXX. I currently live in XXXX, XXXX XXXX, and did not visit the XXXX between XX/XX/XXXX and XX/XX/XXXX, as evidenced by my passport. My permanent XXXX address since XXXX has remained in XXXX, IL. 

I have filed an identity theft report with XXXX and submitted extensive documentation to XXXX XXXX in XX/XX/XXXX, both via mail and online, including : Two police reports FTC report Signed copy of my Social Security card Passport copies Debit card statements proving my XXXX address was never changed XXXX lease agreement Utility bills Additionally, I have disputed this fraudulent account with all three major credit bureaus. 

XXXX  Failure to Act Despite this overwhelming evidence, XXXX remains the only financial institution that has refused to close the fraudulent account and continues to insistwithout justificationthat I opened it. Given that a year has passed since I first discovered and disputed this fraud, I believe XXXX is acting in bad faith, potentially to avoid the compliance and financial repercussions of acknowledging fraud within their system. 

Request for Further Investigation Some transactions on this fraudulent XXXX account were made in person. I have requested that XXXX : Review security camera footage from the merchants where in-person transactions occurred, which will confirm that I was not present. 
Compare my signature, which has remained unchanged for 20 years and is visible on my passport and Social Security card, against any signatures on payment receipts for this fraudulent account. 

Formal Request Given the compelling evidence presented, I formally request that XXXX immediately remove this fraudulent account from my credit history and cease any further attempts to hold me accountable for it. 

I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it Credit acceptance XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it
Product: Credit card

In response to a financial review, American Express suspended all my accounts, just as they previously threatened to close my account. I refuse to provide any financial documents, so I'm frustrated with Amex. Since opening my XXXX card this year, I've made {$10000.00} in purchases, promptly paying back every cent. It's disheartening to face this harassment now. Few years back - they did the same thing- they threatened me and closed my account. Sometime later, I decided to come back - now they are harassing me again. I submitted the documents they requested when I re-establised the relationship with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A SEVER XXXX XXXX AND NO ACCESS TO EQUIFAX OR XXXX. Documentation of request options for my XXXX TO NO AVAIL. My letter XX/XX/XXXX to Equifax requesting VERIFICATION OF ORIGINAL WRITTEN DOCUMENTATION TRANSACTIONS PURCHASED BY ME DELIVERY ACCEPTANCE SIGNATURE OF DELIVERED INTO MY HANDS. Proof XX/XX/XXXX EQUIFAX RECIEVED THE BELOW : XX/XX/XXXX USPS. case # XXXX CRIMINAL INVESTIGATION OF DELIVERIES NOT DELIVERED AFTER XX/XX/XXXX. 
XXXX XXXX CLAIM dated XX/XX/XXXX XXXX XX/XX/XXXX FRAUD OF {$470.00} UNAUTHORIZED TRANSACTIONS INVESTIGATION TOOK 10 MONTHS TO COMPLETE. FTC Ideninity Theft case XXXX dated XX/XX/XXXX. IT APPEARS STATUTES ARE IGNORED BY EQUIFAX AND XXXXEquifax Confirmation XX/XX/XXXX XXXX XXXX DID NOT CORRECT THE ISSUE. I was DENIED CREDIT DUE TO INCORRECT CREDIT REPORTING. THIS IS ID THEFT. XX/XX/XXXX see attatched. I followed ftc guidelines BANK AND CRA DID NOT.
Product: Debt collection

XXXXXXXX XXXX XXXX picked up a pallet of freight from our bussines at XXXX verona XXXXthis freight was only picked up at our address, we never asked for this to be done .this was between one of our customers and a salvage yard.i 'm not sure who called for the pickup but it wasnt XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX , thats our companys name.The bill of lading had our name as the shipper, we never made any contact for this freight to be picked up or shipped, we never signed any bill of lading.They the XXXX XXXX  kept billing us, we kept telling them it wasnt our bill.Now they are using a collection agent to go after us.Can you help us? The XXXX XXXX says they can't do anything about this mistake unlees i get one of the other parties to take on the shipping.Ive asked for proof of us ordering thier services, they sent me a copy of the bill of lading and we never signed for thier services.It seems that it's their mistake and they wont correct it.NEED HELP PLEASE.XXXX, XXXX XXXX  phone is XXXX # XXXXthey are using a collection firm in XXXX XXXX XXXX file XXXX
Product: Credit card or prepaid card

I have try to reach them for the past 8 months THIS IS A CREDIT CARD FOR A FURNITURE STORE they are charging me about {$2000.00} more of my original debt in interest charge. 
They are saying was a promotional of 18 months which I pay every month. 
but I got a balance remaining and I am getting charge now {$5000.00} instead of my balance of {$2000.00} I ask if I could to a payment plan or I will cancel my balance without the interest and they refused. 
No one told me about this 18 month only promotion I hope you can help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ). 



Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on XXXX  My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an XXXX XXXX XXXX XXXX XXXX XXXX I can provide that documentation from the doctor as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via XXXX XXXX XXXX responses, XXXX continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to XXXX  XXXX  via the XXXX, and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. XXXX just verifies without actually looking into the situation. With all of the documentation provided, including XXXX saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 we were in the market for a new dog, and wanted to purchase a XXXX XXXX, I found this website called XXXX. It looked to be legitimate and we reached out to them regarding one of the puppies, the gentleman responded by email and also sent me a text message. We had correspondence back and forth and he offered us a deal on two puppies, we asked him for more pictures of the two puppies we were interested in, which he emailed to me. After some discussion we decided to to go ahead and purchase the two puppies. It was agreed that we would pay him {$1100.00} for the two puppies and he would ship them from XXXX to XXXX XXXX on Sunday ; he would be in touch with the shipping information once he had everything in place. He even called me on the phone and talked to me in person. I went ahead and made the payment via Venmo. All seemed to be in place. On Sunday, our son copied and pasted the website into the computer just to double check as we had not herd anything about the shipping of our puppies yet, so we wanted to double check for legitimacy and reviews. This is when we found that this site was in fact a scam and we had been scammed. 
We were to have two XXXX XXXX XXXX  puppies delivered to us on Sunday, XX/XX/2021 by XXXX. On Sunday this individual finally contacted us telling us he was making arrangements and the shipping company would be in touch. At XXXX XXXX. we did get a message from a bogus shipping company XXXX XXXX XXXX XXXX claiming the puppies would be on their way. At XXXX XXXX. we received another message from this fake shipping company informing me that my puppies were now in XXXX, Virginia and in order to get them from there to my home I would need to pay another {$950.00} for XXXX XXXX, which was never mentioned in the original deal we made with the individual from XXXX. We of course did not do this, we had looked up the name of the shipping company and found it to also not be a legitimate company. After that we did not receive any more contact from either the individual selling the puppies or the shipping company. 
I did contact the merchant/individual on XX/XX/2021 and requested my money be returned as I had not received the puppies and did not receive nor have I received any response from him. 
I reached out to VENMO to try and get the transaction stopped and was told there was nothing they could do. I then contact the Card Services for my credit/debit card that I used and after they did an investigation was also told there was nothing they would do either. 
I have copies of all the text messages and emails if you need them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/scrub> 2024. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XX/XX/XXXXXXXX XXXX visa signature Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Product: Bank account or service

My wife and I opened up a Checking account with SunTrust XXXX because we just purchased a Winter retreat in XXXX. We used the account of till XXXX once our home purchase was paid off. We arrived in XXXX in XXXX and on XXXX we made {$1000.00} personal check deposit and on XXXX we made a {$1000.00} personal check deposit. These personal checks were from our neighbor in XXXX. The first deposit of {$1000.00} was reflected on our SunTrust Deposit, however we went to SunTrust Bank to check on our account and were then notified that our SunTrust Account has been closed and the XXXX deposit 's that we made we withdrawn from our account and are being investigated for possible fraud. I contacted the Fraud department and they will not release any information to us. In the meantime the person that wrote the personal checks contacted his banking institution ( XXXX - Phone XXXX ) and the monies have been withdrawn from his account. I have attached copies of the XXXX checks, the SunTrust deposit receipts for both transaction, our banking statement showing the first deposit and finally a notice from SunTrust closing our account. This is my formal complaint against SunTrust and we request a prompt resolution and reimbursement in the amount of {$2000.00} for our XXXX checks.
Product: Mortgage

I filed a complaint with this company CFPB against Ocwen ( the company in which CFPB sued in reference to many consumers ), however CFPB closed my complaint after first response from Ocwen without my reply to the information they submitted. However, I gave my response to info in feedback inquiry as Ocwen 's own data showed they added over {$12000.00} to my mortgage balance after I was harrassed and threatened of foreclosure if I did not catch up 2 missing payments. Also after submitting all info and documents to my request for remodification under the HARP/HAMP program, my request was never processed. Instead thousands and thousands of dollars were added to my balance in 2010 with no explanation as to why. I am very disappointed to the handling of this matter and is still stunned and why my complaint was closed._
Product: Money transfer, virtual currency, or money service

Chime sent communication about an open account I did NOT initiate. Started getting emails saying money was sent to random email addresses/people. NOT AUTHORIZED
Product: Credit reporting or other personal consumer reports

The Following inquiries were made on my account without my knowledge. I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

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