23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My recent Experian credit history is now showing a new home address in Delaware. I have never ever lived in the Delaware state. I have never ever had any home there. The same recent report is also showing that I have been employed by a company. I have never been employed by the listed company. I have never ever been employed in the US by any company. We contacted the IRS, the XXXX and the XXXX and they did all confirmed that they do not report such mistaken data to any credit bureaus. As Experian do not provide the precise list of such erroneous furnishers or sources of wrong data, they leave us without any means and without any recourses to have this bad information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-XXXX XXXX XXXX. Make me a Hard inquiry without my knowledge and permission. on the date XX/XX/2017. # 2- XXXX/XXXX on the date XX/XX/2017. make me a hard inquiry without my knowledge and permission. I am being a victim of these hard inquires.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I initiated a withdrawal from my PayPal account in the amount of XXXX. PayPal limited and decided to close my account permanently. They told me they are going to hold {$3800.00} for over 180 days. These are valid funds from a company called XXXX. They gave no reason why they closed my account.
Product: Student loan

I requested accurate information about required monthly payment, but they keep withdrawing ( {$1200.00} ) more money than what I am required to pay ( {$880.00} ) through the SAVE Plan. I have requested the issue to be fixed but the issue persist. I called XXXX, XXXX, & XX/XX/XXXX. I tried two more times this year but was provided wrong/ conflicting information about my monthly payments. I was also placed on administrative forbearance without notice until half way through the forbearance period. The website also showed that my next payment was supposed to be {$130.00} on XX/XX/XXXX. MOHELA has failed to explain why the website said this and why I am paying {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My banana republic credit card issued by XXXX XXXX in XXXX had a one-time balance of XXXX $ which I cleared immediately and never used that card again afterward. In mid of XXXX, the company managing the banana republic card was changed from XXXXXXXX XXXX to Barclays Bank upon which the card I had was obsolete. The identity thief seems to have authorized the issue of the new banana republic card from Barclays Bank under an incorrect mailing address, email address, and phone number without my knowledge and started using the card from XX/XX/XXXX. I saw this delinquent account on my credit report and reported the issue to Barclays fraud investigations around XX/XX/XXXX and they still haven't resolved this issue as of XX/XX/XXXX even after I called them repeatedly every month. They also reopened the investigation in XX/XX/XXXX after their initial wrong findings but its already been almost a year and its badly affecting my credit score and auto loan applications & others. I need this identity theft and my credit report fixed asap. I also see one wrong address and a phone number on my credit reports which I am disputing as well. I hope Barclays fixes this credit reporting issue without further delays and has consequences for mishandling and causing issues in my life for about a year now.
Product: Credit card

Synchrony issued a Walmart credit card in my name without my knowledge or permission. I received the card on XXXX/XXXX/15 and a bill for purchases on XXXX/XXXX/15 which I did not make. 

I spoke to their fraud investigation department and they did not even require a photo ID or signature to issue the card which was done at a Walmart store and a large purchase was made at te same time. Thats really XXXX security over credit card issuance. 

Further, after I supplied them with every bit of personal info they requested about me they refused to provide me with any info about the purchase or what info was in my bogus file.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my numerous endeavor to tell Equifax that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act this unknown account must be deleted : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have had 2 Bank of America visa credit cards, both paid & closed in good standing. It mystifies me why not only was my XX/XX/23 AND XX/XX/23 secured card applications denied, my login in account is CONSTANTLY taunted by fresh approvals, as the enclosed document shows, available to upload to ANY agency I deem fit, proving careless treatment of my credit score with wasted inquiries.
Product: Credit reporting

XXXX XXXX XXXX, XXXX I received a letter from Experian stating that my disputed inquiries were going to be deleted. I reviewed my current Experian Credit Report and the same inquiries Experian stated in the letter that were going to be removed are still reflecting on my Experian Credit Report. 
XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX BANK - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX ( 17 TIMES ) XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Checking or savings account

I am writing to formally request your assistance with an urgent matter concerning my banking relationship with SoFi. As a XXXX XXXX I have encountered significant challenges with my account, which have been exacerbated by the banks recent decision to close my account without a clear explanation or adequate support. 

In recent weeks, I experienced a freeze on my account which severely impacted my ability to manage my finances. Despite numerous attempts to resolve the issue with SoFis customer service, my concerns were not addressed effectively. I often faced abrupt service terminations during calls, and on several occasions, representatives hung up, leaving my queries unresolved. 

On XX/XX/2024, I was informed that my account was closed due to an alleged violation of terms and conditions, a claim that was not substantiated with specific details. This sudden closure has left me without access to my funds, during a time when I am already dealing with significant personal health challenges. Moreover, I am affected by the recent XXXX XXXX XXXX XXXX leak, which has led to additional complications with denied transactions and accruing fees. 

Given these circumstances, I am seeking the CFPBs intervention to address the following : 1. A thorough investigation into the handling of my account closure by SoFi, including the reasons behind the alleged violations and the manner in which my concerns were managed by their customer service. 
2. Assistance in restoring access to my funds as swiftly as possible to prevent further financial distress.

3. Review of any penalties or fees applied to my account in light of the account freeze and subsequent closure. 

I believe that the difficulties I have faced involve violations of consumer rights and potentially discriminatory practices, considering my health condition. Enclosed are all relevant communications with SoFi, as well as documentation relating to the XXXX XXXX XXXX  data leak impact on my financial transactions.

Thank you for your attention to this pressing issue. I am hopeful for a prompt response and am eager to cooperate fully with any inquiries or advice you may have to facilitate a resolution.
Product: Money transfer, virtual currency, or money service

When sending money there was no disclosure or warning of possible fraud or scam provided.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agencies, 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 an auto loan account opened at XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number XXXXXXXX real estate loan account opened at XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Credit Collection Servic Date Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$27000.00} **Inquiries** XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Debt collection

XXXX Accounts were opened fraudulently, but I came to the conclusion it was my friend who was my roommate and he repaired my credit XXXX. I been iXXXX XXXX XXXX XXXXXXXX XXXX XXXX and was released XX/XX/XXXX to notice XXXX down my credit. I was applying for my home loan, knowing XXXX XXXX XXXX XXXX with good credit. I didnt think, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was gone for a few years, his mother confirmed it was him. 
Text messages attached This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided these accounts, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm entitled to payment under the FDCPA for each infraction, and it's apparent that they broke my rights.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit reports, and noticed fraudulent accounts on them, Please remove these accounts from my credit report, they are stopping my ability for me to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name : I 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.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account, it is hurting my ability to obtain employment and credit.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service, and unfair practices, which violates the Consumers Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate address for these violations
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of the information on my credit report, leaving inaccurate or verifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB has recently filed a lawsuit against Experian, alleging systemic Issues such as failing to forward consumer provided evidence to furniture, accepting unreliable responses, in failing to adequately Notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed Disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # xxxx, XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

I have taken the necessary steps by sending certified letters to both the ( XXXX ) credit bureaus and the original creditors to dispute the inaccurate information that has been reported, particularly regarding the accounts that were included in a debt relief program. Prior to the covid pandemic, my credit was something I took great pride in. It was explained to me that it is not common for negative information to be reported while you're making timely payments through a debt relief program, and that my creditors would report my account as current or in good standing if I meet the terms of the agreement. Therefore, in an effort to preserve my excellent credit, I entered into a payment agreement on XX/XX/year>, which was successfully completed as scheduled. I have requested that the creditors review the payment history and adhere to the laws that protect consumers who had impeccable credit prior to the restrictions imposed by the XXXX pandemic. On XX/XX/year>, the CARES Act was signed into law, which included provisions to protect consumers ' credit during the pandemic. The Fair Credit Reporting Act ( FCRA ) was amended to prevent adverse credit reporting due to COVID-19, as outlined in section 15 USC.1681s-2 ( a ) ( 1 ) ( F ). This provided some reassurance and relief for individuals like me who were facing financial challenges during these unprecedented times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX