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

My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term ofimprisonment of 2 years.

An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
YOU TRANSUNION, XXXX, XXXX have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
List Account/s here : Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have attached all the relevant documents pursuant the above Section of the law. 
I demand all the above Fraudulent accounts DELETED immediately. 
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial XXXX CFPB ) FTC XXXX  Attorney Generals Office in your state and Mine Thank you, XXXX XXXX FTC reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve an issue with Hyundai XXXX about the incorrect late payments posted on 3 credit agencies I had a loan and I always paid on time - 0 late payment during Covid I called and applied for a forberance and I was told that my payment - during XXXX where not going to be reported as late. 
instead XXXX reported me late for 3 times I m now pulling a loan for a mortgage and those XXXX late payments are affecting my ability to get a good deal with the Lender XX/XX/2022 I received a letter from Hyundai with the verbiage '' the disputed information is accurate as reported " XX/XX/2022 after i re-disputed I have got the same letter XXXX XXXX after a 3rd dispute I have got the same letter they are not doing what they said- they are harming my credit after I was promised three times from them - i called 3 times for the forberance - that i could stay assured NO Late payment were going to be reported as late. 

In 6 year of the life of the loan not 1 late payment- this is on all the 3 agencies credit report what they are doing is wrong and unfair- they need to correct and keep up to their promise!! 

Thank you for reading so far. 

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

I need all bankruptcy removed off my report in accordance with fcra this is inaccurate information be reported on my account 15 us code 1681 a ( I ) Transactions and experiences should not be reported at all and bankruptcies are experiences that should not be reported on my consumer report This is defamation of character as XXXX XXXX has already removed this information PACER is not precisely accurate Im am calling for the removal of these bankruptcies before I file identity theft on credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts listed on my credit report, which was reported by your credit bureau. The accounts in question are as follows : XXXX XXXX FS XXXX and XXXX XXXX XXXXXXXX Fraudulent behavior- The bank has committed to removing this from my records. Please ensure it is eliminated. 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. Consequently, I did not receive any correspondence regarding this debts and was deprived of the opportunity to dispute it. Reporting this account to your credit bureau without my knowledge or consent constitutes a violation of the law.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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, Experian, XXXX 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 a Accounts : XXXX  BankAccount # : XXXX date opened XX/XX/XXXX Bal. {$XXXX}, XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX Bal. {$XXXX}. Inquiries : In XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I started the refinance process for my home on XX/XX/2020 with XXXX XXXX, XXXX licensed by the California Dept. of Financial protection and Innovation ( Formerly Dept. of Business Oversight, LICENSE # XXXX / NMLS # XXXX ). the loan officer was XXXX XXXX XXXX XXXX # XXXX ). I turned all needed docs. on the same day ( XX/XX/2020 ). 

loan amount was {$400000.00}, i was quoted for 2.625 %, 30 years fixed. XXXX told me the loan will be closed between XX/XX/2020 to XX/XX/2020, since it is easy loan ; refinance no cash out and paying only one lender. 

Rate Plus advertise on their website that they are closing their loans within 25 days!! 

On XX/XX/2020, i received an email from XXXX stating that the loan was approved and they needed my last paystub and last bank statement. I emailed him and loan processor XXXX XXXX all docs. the same day. XXXX told me that my cloan will be closed by XX/XX/2020. 

on XX/XX/2020, i received an email from XXXX stating that they will NOT refinance my loan, because i refinanced beforewith Owning Corporation. " I have an update on your file. The company has issued an announcement that we will not be refinancing any loans that was refinanced by Owning. From the feedback that we are receiving from incoming customers, Owning has been instructing their customers to call their competitors i.e. Rateplus just so that they are able to offer another refinance after funding has occurred. Our Capital Markets Director has been receiving a large bulk of payoff statements from Owning on loans we have just closed which is why they made the announcement. If you have any additional questions please feel free to reach out at your earliest convenience at XXXX XXXX XXXX. Best regards ''
Product: Debt collection

In XXXX my identity was stolen. I noticed late XXXX that someone rented 2 apartments, had an XXXX XXXX XXXX and XXXX account opened in my name and did not pay any of these bills. At first I never noticed the charges until I needed to apply for credit. Once I saw them I began trying to get them off my credit but did not know how to go about doing so. I disputed the charges but they kept coming back. I was then told I needed to file a police report which I did. 

The company that I am have an issue with is National Credit Systems. I have submitted in writing to have the original signed lease agreements to be sent to me and have not received any as of yet. I then contacted National Credit Systems by phone and requested that they send me those items and still have yet to see them even though they stated they have electronic signatures and IP addresses. My next step was to contact the apartment complex and they could not send me any documentation they stated they do not have any originals or electronic signatures. 

National Credit Systems are trying to take me to court and garnish my wages even thought they have not provided any original paperwork showing my signature, or electronic IP addresses. I need this taking off my credit and not have my wages garnished as these are not my charges. I have provided information that I lived in my home for 11 years and never rented any apartments during the time they were rented. I had electric bills, water bills, established and can show they were paid via my banks accounts during those rental times. 

I am at a stand still as to what to do next. Thanks Deflated Consumer.
Product: Checking or savings account

A new checking account was opened in my name on XX/XX/2022. I received XXXX emails, back to back, stating the application process was started and then the account was successfully opened. I only knew this happened because the fraud was performed using my email account. I called Bank of America and talked to the fraud line. They closed the account. I then created an account with XXXX and placed a freeze on my social security number.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX XXXX. I live in XXXX  and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with US bank in the amount of {$3000.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit reporting or other personal consumer reports

A while back, I successfully settled the outstanding balance on my account with XXXX XXXX XXXX XXXX ensuring it is now paid in full. However, despite this resolution, the entry persists on my credit report. I promptly contacted the company to request the removal of the account, but the issue remains unresolved. Despite my persistent efforts, the inaccurate information continues to impact my credit history. I am actively engaged in ongoing communication with XXXX XXXX XXXX XXXX  to address this discrepancy promptly. It is crucial that the necessary steps are taken to rectify this issue and update my credit report to accurately reflect the current status of my account. I remain steadfast in my commitment to resolving this matter and maintaining the accuracy of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XXXX ) -as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau XXXX  Credit Report : Account Name : XXXX XXXX Co L Account # :XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX Date Opened:XX/XX/XXXX Account Closed Account Name : XXXX XXXX XXXX  Account Number:XXXX   Date Opened:XX/XX/XXXX Account Closed Account Name : XXXX Account # XXXX Date Opened:XX/XX/XXXX Account Closed XXXX fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX   Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX   XXXX  has birthdate incorrect as XX/XX/XXXXTransunion Credit Report : Account Name : XXXX Account # : XXXX Date Opened:XX/XX/XXXX Account Closed Balance : {$1700.00} Transunion Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  Transunion has my named misspelled as well XXXX XXXX
Product: Student loan

I am writing to formally dispute inaccurate information on my credit report related to my AESXXXX XXXX account. Specifically, the reporting for XX/XX/2018 shows the account as 60 days past due, while the reports for XX/XX/2018 and XX/XX/2018 indicate that payments were current. This inconsistency is incorrect and needs to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

**Details of the Dispute : ** - **Account Name : ** AESXXXX XXXX - **Date of Inaccuracy : ** XX/XX/2018 - **Nature of the Issue : ** The account is reported as 60 days past due for XX/XX/2018, but the surrounding months ( XXXX XXXX XXXX XXXX XXXX XXXX show that payments were made and the account was current. This discrepancy suggests an error in reporting.
Product: Debt collection

My complaint is with XXXX Bank. 
Asset Recovery Dept XXXX XXXX XXXX XXXX XXXX RI XXXX I've tried calling to resolve a past due account and was told by a representative on XX/XX/2020 that I owed roughly {$7000.00} more than the balance because I had not made a payment in 36 months. He stated I owed XXXX x {$440.00} XXXX my monthly payment ) which is not correct. It is not accurate to just take how many months since my last payment and multiply that by my monthly payment. My balance is {$9100.00}, he claimed I owed {$16000.00}. He did this as an unethical attempt to negotiate a settlement on an inflated balance, claiming that his company would settle for {$9100.00}. This was clearly a fraudulent statement and a scare tactic, not to mention illegal. 

After dealing with this unethical representative I demanded to speak with a manager and was connected to XXXX XXXX. We discussed an amicable resolution, yet I was lied to again. What we verbally agreed to and what I received in writing were vastly different. XXXX XXXX promised I would receive a settlement letter stating that once the settlement was paid it would reflect as such with the credit bureau 's and that the title would be released. This was not the case. The settlement agreement I've received states nothing about the title being released. I have called their company 14 times in the last week attempting to speak with XXXX XXXX as the letter did not match his statements, and have not been called back or reassured that this would be rectified. In addition to calling, I have sent daily emails to their recovery department. I've asked repeatedly to speak to managers and supervisors numerous times and have not been able to. 

I feel lied to, misrepresented, and bullied. Their collection tactics and practices are unethical and fraudulent. I am attempting very diligently and persistently to resolve this matter and I am not being met with the same commitment to resolve this in good faith. I don't know how else to get the help I need other than file this complaint and hope something beneficial comes of it as I've exhausted all other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to create an account for equifax premiere. The system took my {$1.00} but then told me after answering all the verification questions correctly that my identity couldn't be verified. I called the number listed XXXX and a foreign representative asked me another verification question, " do i hav a student loan? if so, who is my lender? '' I answered US Dept of Education. '' She insisted on asking me is there another name they use. I told her several times NO as i was reading the information straight from my equifax report as seen in the attachments and screenshot. She then said my identity was still not accurate. I then asked for a supervisor and someone with a heavy foreign accent name XXXX with ID : XXXX took over the call. I asked him why was my information not verified. After stuttering for a couple secnds, he could not answer the question. I recorded the call and am sending it to XXXX and XXXX, especially after the huge data breach and lawsuit. The system also STOLE {$1.00} from my account but did not produce my order.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. 

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. 

FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. 

FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. 

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. 

Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Unauthorized Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : US BKPT CT XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : U.S. Bankruptcy Court # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this