23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX USC 1681.

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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Midland Credit account was removed from my XXXX record because it was determined to be too old. Only days later it appears on my XXXX  record. How is this possible. The actual date on the account closure was XX/XX/XXXX, not XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX XXXXCHARGEOFF Other {$3300.00} Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXXCHARGEOFF Auto Loans {$3400.00} Account number XXXX Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info 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

On XXXX/XXXX/XXXX, I tried to place a freeze on my account at XXXX on-line and got a message that I would have to send my SSN, DOB, name and address to XXXX to obtain a credit freeze even though I had already entered the requested information on the website. Given the breach, the company should be permitting people to immediately obtain credit freezes.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was called by a wells fargo impersonator on the customer service line XXXX that had claimed that there was fraudulent activity on my debit card. They had impersonated how Wells Fargo handles fraud cases in an extremely convincing manner, stating the exact time and location that the " fraudulent activity '' was occurring, in XXXX florida at a XXXX. The impersonator asked if they can shut down that card and send me a new one, they had sent me a convincing link from XXXX XXXX XXXX to XXXX XXXX XXXX... I thought this was a bit suspicious and called out to the impersonator that I didnt feel comfortable. They had reassured me that they had called from the customer service line, and had read by my information to me ( name, email, mailing address, and even social security number ). I had takenthis as a sign that they were who they said they were and logged in, unknowingly giving the impersonators access to my online banking information. The impersonator then gave me case numbers for the " fraudulent attempts '' at charges on my debit card, and even a mailing tracking number for my new debit card that was to be sent to me.I didnt know it at the time but they had on the phone been able to access a wire transfer of XXXX out of my account, just like that. They then had access to my mother ( co-owner of my account ) and had run the exact same fraud on her, granting them access to send another wire transfer of XXXX out of my account. I just lost my job and was affected by layoffs. Wells fargo is not doing ANYTHING to support me. Please help me, I can not believe this is happening and it feels as though my entire world is about to explode, being down XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my XXXX  ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.
Product: Mortgage

On XX/XX/XXXX I received a notice that my chosen renewed hazard insurance was in default and was cancelled on XX/XX/XXXX. I have until XX/XX/XXXX to reinstate this policy. I have tried THREE times to contact Newrez about paying this bill which was sent to them well in advance ( I have a copy of the letter they sent to Newrez in the beginning of XXXX, which I obtained through my online insurance providers account. ) However, after attempts in contacting Newrez I keep getting " disconnected '' due to phone issues on their end. Near the end of XX/XX/XXXX, we received an escrow disbursement, which should NEVER have been paid to us, it should have been paid to cover my hazard insurance ( which at this time I had no idea my insurance was not paid and assumed Newrez handled my funds appropriately ). This is a huge misappropriation of our funds. Secondly, upon investigating further I noticed that Newrez said they " paid '' or " estimated '' my hazard insurance for a total of .XXXX XXXX on my account ( I have the screenshots of my account to prove this ). I feel like they are scheming me ( and possibly others ) into forced-placed insurance by mishandling my escrow and doctoring estimates to be able to justify force-placed insurance which, if true, needs to be handled immediately and forcefully by the appropriate authorities. ( Note : I am not in default on my mortgage either )
Product: Money transfer, virtual currency, or money service

I am not able to link my account with any company or service, I am Not allowed to make any purchases, i am not allowed to have money sent to my account or to use any services promised and offered to send money to anyone else.
Product: Bank account or service

My name is XXXX XXXX &! On XXXX XXXX, 2016 my friend XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal then the bank manager XXXX contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity and I would be granted my refund of XXXX everything would be fine that was not the case when we got back to the bank the branch manager XXXX just wanted the money I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX Bank I have limited information about my funds and I was referred here to possible get a resolution my contact number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction and concern regarding the handling of my numerous attempt to follow up on the removal of fraudulent items from my credit file. Despite my persistent efforts and the submission of substantial evidence supporting the fraudulent nature of these items, I have yet to receive a satisfactory resolution to this pressing issue. 

As you are well aware, fraudulent items on a credit report can have severe consequences, impacting an individual 's financial stability and credibility. It is imperative that such matters are addressed promptly and with the utmost seriousness. 

This ongoing lack of accountability and transparency has left me feeling helpless and betrayed by your company 's inability to handle this matter effectively. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I have been with wellsfargo for over 6 yrs. I have notice and call about my account as well as going into the bank about my checking account. Every month it seems like money is missing .and my online account changes daily.Even when I 'm not using my card or taking out my from account. when I question them about this, they say its not them. Its me. I do know how to kept on with my accounts.I had banks account for over 40 yrs. Also I have notice that wells fargo checks my credit without permission .For 1 loan they ran it 3 times in 10 days.I have contact them about this as well and I get told that they r investigating it. and I would hear from them on XX/XX/XXXX. Instead a receive a letter telling me that its going to take more time. Three times as changed the dates on this problem. I believe that I have at account that I 'm not aware of. Befor I use my card, I check balance to be sure.and they could be a wk between uses the card, yet when i go back on my account the amount is different with no charges pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my information and my brother 's information under the same social security number. I have tried to contact them many times and was told that I do not have a social security number. I called and requested a copy of my credit report because I am not able to receive this information online. I received the credit report in the mail, the report contains my name with my information, my brother 's name with his information and the social security number belongs to my brother. I called transunion again, was told I do not have a credit history, mu social security number does not exist. I asked to speak with a supervisor and was told the called can not be transferred, I would get a call back in 7 to 10 business days. I have been trying to get this issue resolved for 3 weeks with no success. this is a time sensitive issue and it has been preventing me from opening accounts. I have received denials because of this mixed up and needs it resolved as soon as possible
Product: Credit card or prepaid card

When I did my taxes in XXXX for the Year XXXX I found Credit Card opened that I did not. I contacted the Credit Cred Companies to dispute the Card and verified that I did not have anything to do with the Card being open. For months I called and disputed the XXXX over and over. I even disputed the Card on XXXX. All I head back is that the dispute was found I was accountable for the Card. This has been going on for years now and need them to be removed from my Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute to the incorrect items on my credit report. it has been over 30 days and I have not received any investigation results. I also submitted police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Experian 2 separate letters the first was regarding a bankruptcy the second was in regards to several accounts reporting inaccurate information. My letters were both received by Experian on XX/XX/2020 at XXXX XXXX. Experian conducted its investigation on XX/XX/2020 for the bankruptcy letter and completed that dispute on XX/XX/2020. My other letter regarding the inaccurate information was never addressed in any way by Experian. 

After 30 plus days of no response from Experian I sent a second letter on XX/XX/2020 informing them that they were in violation for not conducting their own independent investigation of my disputes and asked for these items to be deleted from my credit report immediately as the inaccurate information is affecting my credit worthiness. This letter was received by Experian on XX/XX/2020 at XXXX XXXX. This letter was also ignored and no response was sent to me by any means. On Tuesday XX/XX/2020 I called Experian to discuss the status of my concerns and was told by XXXX a representative of Experian that despite my ability to prove that my certified letters were received via the USPS website they had not received my letters there for there was nothing they could do. 

I then wrote a 3rd letter demanding that they remove these items as I can prove that they are in violation of the FCRA for not completing my dispute within 30 days of receiving my letter. This letter was mailed on XX/XX/2020 and was received by Experian on XX/XX/2020 at XXXX XXXX. On XX/XX/2020 I again called Experian to address this matter and was told that the reason my letters have not been addressed is because the address I have been mailing my letters to is a different department. I then verified that the address my letters were mailed to were what is listed on the Experian website in regards to disputes. I then asked the representative even if that was the case how can they explain why on XX/XX/XXXX when both of my original letters were signed for at Experian why the bankruptcy letter was processed and the investigation completed if the address I sent my letter to were wrong. I was placed on hold and after several minutes was told they couldn't explain it at which point the conversation was going no where and ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe child support which I have been paying out of XXXX XXXX. Plus I have been paying past due which they put into collection. Doesn't make sense that I'm paying it off, but it's not showing which is what michigan FOC is making me pay. It's showing on my credit that it's a negative account and showing I'm making no payments but clearly what I owe is shrinking. Experian credit company will not fix this problem that shows it in collections but not showing it's being paid off. I'm legally making payments to pay off the back pay based on the contract I have with Michigan FOC and shouldn't be impacting my credit for years
Product: Money transfer, virtual currency, or money service

Coinbase has locked my account which is stopping me from making any transactions. According to them, I registered in XXXX and am a XXXX, which is wrong. I am an American. When I upload documents ( ID, utility bills ) to verify that I am in fact who I say I am, the verification does not work. The only explanation I have ever gotten is that I am not being verified because my documents are not XXXX, which is maddening because my verification was to prove that I am American. 

This has caused me to lose hundreds of dollars because I have been unable to sell assets before the assets depreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted a freeze request and I am still getting inquiries. I was told an inquiry was removed and it was not. 

The following inquiries are fraudulent and were not authorized by me. 

XXXXXXXX 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

I disputed a collection account reported by XXXX XXXX  XXXX XXXX ( Account # XXXX ) to TransUnion. 
XXXX XXXX filled out the dispute form and was assigned File  ID # XXXX by Transunion. 
This disputed collection account stemmed from an alleged {$2600.00} debt from XXXX XXXX, a utility company, for electric & gas service that were not mine, and incorrectly billed to me. I did not authorize the XXXX XXXX utility service, did not request it, and did not live at the premises where the utilities were wrongly put in my name. As such XXXX XXXX was wrong in billing me, and I did not pay this incorrect bill. 

XXXX XXXX  XXXX responded in a letter dated XXXX XXXX, XXXX, enclosing requested validation as supplied by the creditor. 
All that this validation indicated was that XXXX XXXX had an account in my name which included a transfer debit of {$2600.00}. 
But this does not actually validate the debt, because it does not address the fact that XXXX XXXX WRONGLY opened a utility account in my name, without my request or authorization, at a premises where I did not reside and have never occupied. 
XXXX XXXX XXXX ' collection account, based on XXXX XXXXXXXX  wrongfully charging me for utilities that were not mine, has caused my credit score to drop by XXXX  points, making me unable to obtain needed financing, and causing me serious financial harm. 
I responded in a letter dated XX/XX/2023 ( CCing CFPB ), explaining this, demanding in the strongest terms that XXXX XXXXXXXX XXXX have this collection account removed from Transunion and any credit reporting agency immediately. 
Then I yet again received a letter from XXXX XXXX  XXXX, same as the letter they sent XX/XX/2023, completely ignoring the nature of my complaint that XXXX XXXX  was wrong in billing me in the 1st place. 
XXXXXXXX XXXX  XXXX did not bother to read the content of my complaint, and has not taken necessary steps to respond in a responsible manner. 
My Credit Score has been reduced by XXXX  points, and I am still unable to qualify for necessary financing. 
Can CFPB please do something about this? 
Feel free to call me at XXXX. 
Thank you for your consideration.
Product: Debt or credit management

Experian have been putting potential negativity on my credit report ... Dispute the information and still no action... Then promoting no impact on credit card that match and if denied no impact on your credit score and that's a lie..
Product: Credit reporting

I am in the process of purchasing a home and FHA XXXX my loan type ) requires all trade lines that reflect I dispute to be removed. I called each bureau, XXXX Experian, XXXX to remove all disputes on my credit report. After several attempts Experian will not remove this dispute. I called XXXX to tell them I want a letter stating I am telling them I know longer dispute and they would not give me this letter unless I paid the account in full so that is what I did XXXX XXXX. When I received the letter all it says is they received a payment from me for {$1500.00}. Nothing that says the account is paid in full and nothing that says the trade line is no longer in dispute. My lender then sent me a letter that the credit company use says they can submit to all bureaus to remove the dispute for me. I signed and they tried with no results. At this point I can not get a loan and my husband and I are living in a hotel waiting to clear this matter. I demand that Experian update my report and I demand XXXX funding to remove that I am disputing this account.
Product: Debt collection

My fiance and I moved out of our apartment XXXX at the XXXX in XXXX Colorado on XX/XX/XXXX. On XX/XX/XXXX I was notified of a charge in the amount of {$500.00} that was added to our account on XX/XX/XXXX. I contacted XXXX XXXX, the leasing consultant at XXXX at the XXXX, immediately and disputed the charges as the carpet damage was done by previous tenants and was documented when we first moved in. He then wrote off the charges on XX/XX/XXXX. My mother is the XXXX who originally contacted me about the debt collector hassling her, calling her almost every day in regards to the {$500.00} debt that was posted to my account. I contacted the National Debt Collectors office immediately to get more information where I was then harassed, hung up on, and refused clarification. Since then I have sent in the updated ledger and my mail was returned ripped open and the ledger missing. My mother also has sent in the updated ledger and it was returned to her with an upside down stamp stating it was a valid debt, even though the ledger the debt collector has ended on XX/XX/XXXX and does not reflect the write off charge posted XX/XX/XXXX. It is now XX/XX/XXXX and not only is my credit score in the gutters from the false debt, but I am now at risk of eviction due to this false debt being on my renters history. My mother ( my garentor at the time for the previous apartment ) and my fiance 's credit score have also been negatively effected by this false debt.
Product: Credit reporting or other personal consumer reports

FNB OMAHA is reporting accounts/addresses that do not belong to me.

FNB OMAHA- credit card ( DO NOT BELONG TO ME ) Address as follows does not belong to me : XXXX XXXX XXXX XXXX XXXX GA XXXX
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. 

Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX, Account Name : XXXXXXXX XXXX/Account # XXXX, Account Name : XXXX /Account # XXXX, Account Name : XXXX XXXX XXXX XXXX/ Account # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account # 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.