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

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove 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

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting

This account is inaccurately reported on my Equifax credit report, I 've tried to contact XXXX XXXX and they wo n't give me a direct access to the account and they wo n't tell me why nor I 'm able to get any info from them. 
so I contacted Equifax about it multiple times in writing explaining that this account is inaccurate and I wish to remove it or they can provide accurate signed or pairing my own signature as proof of my ownership to the account yet they failed to communicate with me, provide documentation to support the info reported or remove the item. 
I 'm very embarrassed, humiliated, mentally effected and financially hurt by this inaccurate reporting, so I 'm asking you please as a consumer protection institution to help me and protect my rights. 
the creditor : XXXX XXXX Bank XXXX reference account # : XXXXXXXXXXXX account ending : XXXX amount reported : {$15000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am not liable for this debt XXXX XXXX XXXX  because I do not have a contract with TORRES CREDIT SRV, They did not provide me with the original contract as I requested. TORRES CREDIT SRV called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until TORRES CREDIT SRV, proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( TORRES CREDIT SRV ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account name : TORRES CREDIT SRV and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks,
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Birthday : XX/XX/XXXX Social Security : XXXX UNDER SECTION 1, IDENTIFICATION RECORDS, Identification Record 81 is the ONLY ACCURATE IDENTIFICATION RECORD. ALL OTHER IDENTIFICATION RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 2 : ADDRESS CHARACTERISTIC, ONLY RECORD 13 IS ACCURATE. ALL OTHER RECORDS UNDER ADDRESS CHARACTERISTIC ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 3 : PHONE RECORDS, ALL RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY. THESE ARE NOT MY NUMBERS.

UNDER SECTION 4 : EDUCATION RECORDS, ONLY RECORD 2 AND RECORD 4 ARE ACCURATE. ALL OTHER RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 5 : ONLINE MARKETING, ALL RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 6 : LIENS, JUDGEMENT, CIVIL FILING, ALL RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 7 : AUTOMOBILE INSURANCE POLICIES, ONLY RECORD 2 AND RECORD 3 ARE ACCURATE. ALL OTHER RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY.

UNDER SECTION 8 : AUTOMOBILE INSURANCE CLAIM RECORDS, RECORD 1 MUST HAVE NOT AT FAULT INDICATOR PRESENT IMMEDIATELY. IT IS BLANK. THIS IS UNACCEPTABLE. I HAVE SHOWN PROOF THAT BOTH PROGRESSIVE AND THE POLICE REPORT HAVE SAID THIS IS A NOT AT FAULT ACCIDENT. LEAVING IT BLANK IS CAUSING MY INSURANCE PREMIUMS TO BE OUTRAGEOUS AND I CAN NOT GET INSURANCE WITH A PERFECT DRIVING RECORD. 

UNDER THE XXXX XXXX REPORT, OTHER PERSONS INFORMATION WHO ARE NOT ME ARE PRESENT ON THIS REPORT. ONLY RECORDS PERTAINING TO NAME XXXX, XXXX FOR THE DATE XX/XX/XXXX AND XX/XX/XXXX ARE ACCURATE. PLEASE IMMEDIATELY REMOVE ALL RECORDS RELATED TO XXXX, XXXX AND REMOVE ALL RECORDS RELATED TO XXXX XXXX XXXX. THESE PEOPLE ARE NOT ME AND SHOULD NOT BE ON MY REPORT AS IT IS INACCURATE. 

I AM NOT A RISKY DRIVER. I HAVE A SPOTLESS DRIVING RECORD. I HAVE DECENT CREDIT WITH NO COLLECTIONS AND NO DELINQUENT DEBT AND LOW CREDIT UTILIZATION. INACCURATE LEXISNEXIS DATA IS CAUSING MY CAR INSURANCE QUOTES TO BE THAT OF A RISKY DRIVER. PLEASE CORRECT THIS IMMEDIATELY. POSSIBLE LITIGATION WITH A CONSUMER RIGHTS ATTORNEY IS CURRENTLY PENDING AS WE GATHER ALL INACCURATE DATA. I HAVE INCLUDED THE DIRECT AUTO INSURANCE QUOTE BECAUSE IT IS REFLECTING INACCURATE DATA FROM LEXISNEXIS AND CAUSING MY PREMIUMS TO BE UNAFFORDABLE. CORRECT THIS NOW. 

PLEASE NOTE THAT I CAN NOT SEE MY LATEST LEXISNEXIS REPORT BECAUSE LEXISNEXIS SENT ME A DOWNLOAD LINK FOR IT THAT DOES NOT WORK. I HAVE ATTACHED THE LATEST LEXISNEXIS REPORT I HAVE WITH THE INFORMATION I AM DISPUTING. PLEASE REFLECT THE DISPUTES AND CORRECTED, ACCURATE INFORMATION ON A NEW REPORT. ALL POINTS IN THIS DISPUTE ARE REFERRING TO THE INFORMATION IN THE ATTACHED REPORT, WHICH I BELIEVE MAY BE ON MY CURRENT REPORT. REMOVE AND CORRECT ACCORDINGLY. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

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

PLEASE LOOK AT MY CREDIT REPORT. I HAVE HAD A FREEZE ON ALL XXXX CREDIT BUREAUS AND HARD INQUIRIES ARE STILL HAPPENING. IF THE CREDIT COMPANIES DON'T FIX AND CFPB DON'T FIX, WHAT IS MY NEXT STEP. THE HARD INQUIRIES ARE KILLING ME. I RECENTLY ( 1 WEEK AGO ) TOOK THE FREEZES OFF ALL THREE. I RECENTLY HAVER TRIED TO GET A 0 % ON BALANCE TRANSFERS BUT DENIED DUE TO HARD INQUIRIES. INITIALLY I HAD THE SAME PROBLEM WITH XXXX, XXXX, AND TRANSUNION. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW XXXX. MY SCORE WILL BE XXXX OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME
Product: Payday loan, title loan, or personal loan

Purchased solar system from XXXX XXXX XXXX XXXX XXXX. They have closed. We were in the middle of getting problems with the system worked out when they abruptly closed. Our roof leaks, didn't get blown in insulation like we were supposed to. Have not saved on our electric bill as promised. Don't qualify for tax incentives as promised. There is numerous Breach of contract issues. XXXX XXXX XXXXXXXX XXXX XXXX got us approved through Sunlight Financial for the loan. We feel they are just as guilty!!!! We want our loan expunged or forgiven for the faulty equipment and Breach of contract!!!!
Product: Credit reporting or other personal consumer reports

Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2022, an unauthorized transaction was credited to my debit card for {$40.00}. I reached out to the financial institution via phone call to dispute the transaction on XXXX XXXX, 2022, as well, and I was informed that an investigation would be started. I received a letter from the financial institution dated for XXXX XXXX, 2022, stating that the transaction dispute has been resolved and no error occurred, and that the transaction is valid. As stated before, I did not authorize this transaction and pursuant to 15 USC 1693g ( b ) - the Burden of proof is upon the financial institution to show that the electronic fund transfer was authorized by me the consumer. The following financial institution has failed to provide me with any proof that the said transaction ( s ) was in-fact authorized by me pursuant to the key elements under 15 USC 1693g ( a ). As law states, pursuant to 15 USC 1693g ( e ) - Except as provided in this section, a consumer incurs no liability from an unauthorized electronic fund transfer. I did not authorize this transaction, and this financial institution has not provided any investigation proof that I did in-fact authorize this transaction. My funds ( {$40.00} ) shall be returned to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the address XXXX XXXX XXXX to my credit report and i do not live there. It belongs to my father with the same name
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802.

In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 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 ( AN ( 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: Debt collection

Name : XXXX XXXX XXXX of birth XXXX  Social security XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX My information was sold and bought illegaly because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Account names are estimated amount for each is XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX Credit cards $ {$1800.00} 3.Collections {$5900.00} Thank you for your attention. 
Email XXXX XXXX XXXX
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXX
Product: Debt collection

Received a call from a process server in XXXX  ( I live in XXXX ) informing me that she was unable to serve me a summons. I asked what it was about. She wouldn't give me any information other than a lawyer 's name and phone number ( she would only leave this info on voicemail, she would not send it by text or email ). I called the lawyer 's number and was transferred to a different lawyer. She told me that I had a debt of over {$2000.00} from the year XXXX  ( XXXX XXXX XXXX! ) from First USA Visa and that it was a credit card. She also said that if I ignored the summons and didn't show up in court the debt would mount to over {$9000.00}. I believe it may have been a card my ex-husband had, I don't recall having a First USA Visa. I have so many questions about this and I am afraid to deal with this on my own, not knowing my rights. It seems unbelievable that this company would come after me for a 24 year old debt. At this point I have not been served and have no paperwork. I have only the name and number of the First USA lawyer and the phone number of the process server.
Product: Mortgage

I have two mortgage accounts with Wells Fargo Home Mortgage. The first account was opened in XXXX, refinanced in XXXX and is still active today. This is a FHA account with a 3.875 % interest rate. The second account ( primary residence ) was opened in XXXX and is a conventional loan with an interest rate of 4.25 %, with a 20 % down payment. I suspect that Wells Fargo has discriminated against me based on my race. I contacted Wells Fargo ( case # XXXX ) and requested they determine if my interest rates are higher than a non minority consumer with the same financial and credit profile as myself. I have not received a response from this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe that XXXX and YES FIRST POINT COLLECTION RESOLUTIONS have violated my rights as a consumer and incorrect information as far as addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information incorrect, name, address,, multiple unauthorized accounts that I didn't provide written approval for sharing.
Product: Payday loan, title loan, or personal loan

I applied for a loan and got the amount of XXXX dollars on XX/XX/XXXX. I then tried to ask for an extension or a lower amount owed on XX/XX/XXXX. They did not allow that and stated : We apologize for any inconvenience, but we are unable to honor your request at this time. 

Your next scheduled payment will be automatically debited from your account on XX/XX/2019 In the amount of {$150.00}
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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Checking or savings account

From XXXX  ( primarily during Covid ) Wells Fargo charged our business accounts in excess of {$10000.00} in NSF fees XXXX even though funds dropped into accounts daily. Expenditure amounts were confirmed by our CPA and attorney, NSF were calculated in a manner that has been determined to be unlawful. 

We sent 4 internal notifications via Wells Fargo internal email. Our company sent 2 certified/ return receipt requested letters specifically outlining the dates, issues, and requests for restitution.

As no communication/ resolution was received we closed all four company accounts. On XX/XX/, I was notified via our CPA Wells Fargo charged the remaining 2 open personal accounts NSF, our documents clearly indicate that the remaining open account should have pulled from a secondary back up savings account. ( In the past when verbally speaking to a Wells Fargo rep regarding the business accounts, We have the option of changing a savings account to checkin without written notification and with that all options you selected in our XXXX GA office, do not apply.
Product: Debt collection

I was contacted by email from True accord who is trying to collect on behalf of XXXX XXXX XXXX. The debt originally owed to XXXX and is well over the 7 years statue I have requested to see and review the original signed contract signed at XXXX when service was set up. Since the first email I have received email after email.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXXXXXX XXXX XXXXXXXX - Incorrect Name # XXXX : XXXX, XXXXXXXX XXXX XXXX Incorrect Name # XXXX : XXXX XXXX - Correct Name : XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, IL XXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, IL XXXX My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl. XXXX. 

XXXX. Wrong Date of Birth : none My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers XXXX : XXXX XXXX XXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit card or prepaid card

An account was opened in my name without my consent! I tried to call and see when and where the was the account established and my old address was used to setup. My stimulus check was deposited on the card and spent.I have been avoided every since I brought it to they attention. When I call they transfer me the phone hangs up. I filed a police report to prove my case! The account was closed after me mentioning it but no other compensation was offered.. The account was opened XX/XX/2020. The money was deposited on the card XX/XX/XXXX and taken off by atm shortly after no alerts or anything on this matter! Im extremley devastated please get back with me at your earliest convience!