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

I am filing this complaint because [ XXXX, XXXX, and/or TransUnion ] are reporting incorrect and fraudulent information on my credit report. Despite my previous disputes, these accounts do not belong to me and should have been removed immediately as required by the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts on My Credit Report The following accounts have been incorrectly reported under my name, and I am requesting their immediate removal : XXXX XXXX ( Ending in XXXX ) Balance : {$0.00} This account does not belong to me and should not be associated with my credit profile. 
XXXX XXXX ( Ending in XXXX ) Balance : {$1400.00} I have never opened this account or authorized it in my name. 
Credit Card XXXX XXXX XXXX ( Ending in XXXX ) Balance : {$1500.00} I have no knowledge of this account and never applied for it. 
Additionally, I want to make it clear that : I have not authorized anyone to be on any of my accounts. 
I have not been added to any accounts by anyone else. 
These accounts are being reported without my consent. 
FCRA Violations by the Credit Bureaus The credit bureaus are violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information. The violations include : Failure to Maintain Maximum Possible Accuracy ( 607 ( b ) ) The FCRA requires credit bureaus to report only verified and accurate information. These accounts do not belong to me, yet they remain on my report. 
Failure to Conduct a Reasonable Investigation ( 611 ( a ) ) I previously disputed these accounts, but the credit bureaus failed to properly investigate and remove the fraudulent information.

Failure to Block Fraudulent Information After Identity Theft Report ( 605B ) The FCRA requires that fraudulent accounts be blocked and removed once an identity theft report is provided. I will provide my FTC Identity Theft Report, yet these accounts still have not been removed. 

I have attached the following documents as evidence : FTC Identity Theft Report Statements of all legitimate accounts I own
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX  that you, the TransUnion, XXXX and XXXX credit XXXX 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 a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX, an auto loan opened at XXXX on XX/XX/XXXX, a collections account opened at Tower Loan on XX/XX/XXXX with a balance of {$1000.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$690.00} a collections account opened at XXXX on XX/XX/XXXX and XX/XX/XXXX with a balance of {$410.00} and {$320.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX with a balance of {$3200.00} and {$130.00} a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1800.00} a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$390.00} a collections account opened at XXXX on XX/XX/XXXX with a balance of {$230.00} and a collections account opened ay XXXX XXXX on XX/XX/XXXX with a balance of {$140.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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.
Product: Money transfer, virtual currency, or money service

SUMMARY : XXXX. On XXXX XXXX XXXX wallet was infiltrated. 
XXXX. Without my authorization or knowledge, {$200.00} worth of XXXX ( XXXX ETH ) was transferred out of my wallet. 
XXXX. The funds ended up on the Binance XXXX. 
The details below are provided in the hopes that each recipient will help investigate or facilitate investigation into this matter. 
ALL OF THE FOLLOWING TRANSACTIONS ARE UNAUTHORIZED/ILLEGAL o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This message and attached documents are being sent XXXX the following organizations : - U.S. Federal Trade Commission ( FTC ) - Commodity Futures Trading Commission ( CFTC ) - U.S. Securities and Exchange Commission ( SEC ) - XXXX XXXX XXXX XXXX XXXX XXXX  ) - Consumer Financial Protection Bureau ( CFPB ) - Binance XXXX Binance XXXX XXXX XXXX Thanks in advance for your help in this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX mobile )
Product: Checking or savings account

I scheduled an online mortgage payment from US Bank NA on XX/XX/year> to my mortgage bank, Pacific Global bank ( AKA. Royal Business bank ) located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. In the amount of {$1100.00}. This is an online payment issued directly from US Bank to Pacific Global bank, and the payable should be Pacific Global bank. 
After a while I received notification from the mortgagor Pacific Global Bank indicated that my mortgage is in delinquent. I checked the online payment from US Bank, which indicated the check was cleared but instead of endorsed by Pacific Global bank, the same check was endorsed by two different individuals and deposited three times, which twice were successfully debited from my US Bank account. 

I went to the US Bank branches several times and questioned why the check with the same account number and Same check number, issued by US Bank, can be able to be cleared multiple times. Every time I went to US Bank to try to get the problem resolved, but without any resolution. I'm look for US Bank to reimburse the twice falsely debited check amount.
Product: Credit card

As a XXXX  Year American Express client, American Express has purpously ruined my credit for NO reason. They have lowered the credit limit to ruin my credit on ALL 4 credit cards. 
I have NEVER been late ever on any credit card and on XX/XX/XXXX the represenative told me my credit score was XXXX, XXXX. I am nowhere near the credit limits or ever had a late payment with any credit card EVER. 
1. Amex XXXX XXXX XXXX XXXX XXXX XXXX balance XXXX, they have ruined my credit by lowering the limit to XXXX. 
2. Amex Everyday XXXXXXXX XXXX limit- blocked my card withan XXXX balance. 
3. Amex Platinum - Limit blocked ruined my credit as there is supposed to be NO limit on this card. 
4. Amex Gold Business- NO Limit either- Blocked and ruined my credit. 
I have NO lates ever, No Public records, NO judgements or tax liens, NO credit card company should have the right to ruin your credit for paying perfectly on time for XXXX  Years! 
American Express has damaged my credit and has broken the law. I have tried everything to reason with the credit desk to no avail. NO credit card company has the right to ruin a persons credit, nowhere near the credit limit, pays perfectly, and gets way with illegal activity by doing so. Misinformation and disinformation, this could ruin and has ruined my credit. I have numerous other credit cards and none of them, have ever lowered my limit or damaged my credit purpously. 
Please investigate any company who breaks the law as American Express has done. 
I have tried evrything to reason with them and fix this, they think they are ABOVE any all laws because they have good lawyers. NOBODY is above the law. They MUST take responsibilty for runing my perfect credit history. They must be hal accountable at all costs for this. Please help me correct this abuse of this aweful company with so many complaints!
Product: Credit reporting or other personal consumer reports

I have a Retail Installment Contract and Security Agreement with XXXX XXXX that was dated XX/XX/year> for a vehicle Make and Model XXXX XXXX XXXX Furnishers are providing information to my consumer report that is false and Inaccurate. XXXX XXXX has committed XXXX XXXX! 
XXXX has been paid free and clear! 

I don't Have a Account with XXXX XXXX XXXX. This considered incorrect and inaccurate information. Which is causing Emotional Damage. I demand that you DELETE This Erroneous account IMMEDIATELY! 
According to The Truth in Lending Act ( XXXX ) protects you against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide you with loan cost information so that you can comparison shop for certain types of loans. 

18 U.S. Code 1348 - Securities and commodities fraud. According to 16 CFR 433.1 ( f ) XXXX. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. 

I exercise my RIGHTS to have this Item DELETED IMMEDIATELY. If you dont DELETE SAID ACCOUNT in XXXX business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " 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. 

Please, contact me at my email address XXXX to arrange the delivery of My Deposits under this fraudulent credit consumer transaction. Additionally, please mail me confirmation that the credit consumer transaction has been voided and no negative information will be reported to the credit bureaus with respect to this matter. 

XXXX'Equifax XXXX XXXX XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information and confidentiality of those customers nonpublic personal information I am again revoking any permissions given verbal, nonverbal, written, unwritten, implied or otherwise. This is Identity theft! According to 12 CFR 1022.3 Definitions : " identity theft means a fraud committed or attempted by using the identifying information of another person without authority. '' ... .and most certainly do not have my authority.
Product: Credit reporting or other personal consumer reports

I contacted Experian XX/XX/XXXX and said Hi my name is XXXX XXXX I tried to set up an Experian account via my XXXX banking app ... Only to find out someone opened an unauthorized credit monitoring account with Experian in my name with an email I don't recognize. I can't reset to password because I don't have access to the unauthorized email address, I tried to call customer service but there's no option that address my problem and it says it won't connect me to an agent. It only offers me main menu or disconnect. How do I go about cancelling the unauthorized account and open a legitimate one? The unauthorized email starts with a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can't tell which it looks like XXXX it auto fills in and is unchangeable when I try to connect Experian with my chime account when I try to click sign in a different way I enter the info and get this error. 
Experian said on XX/XX/XXXX Thank you for the information. I understand how concerning this is and I am glad to help you through this. This account is being updated so that no one can access it. We need further verification from you, would you please provide us with all of the following documents, along with a description of your request : Copy of your Social Security card Copy of a government-issued identification card, front and back ( such as a drivers license or state ID card ) that displays your current address Copy of a current utility bill and/or bank/insurance statement reflecting your current address Include your email address and phone number Also make sure to include a cover letter with : A description of your issue Case number : XXXX Please fax the requested documents to : XXXX ATTN : Experian Consumer Affairs You may upload those at www.experian.com/upload. 

Or, you can mail the documents to : Experian Consumer Affairs XXXX XXXX XXXX XXXX TX XXXX Once this process is complete, we can remove this membership account from our website so that you can enroll as a new member at www.experian.com/XXXX 

If you have any questions, please let us know. XXXX XXXX uploaded my documents XX/XX/XXXX. 

I have not heard anything back from Experian since. The unauthorized account is still alive and well and I am still unable to create a legitimate account.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the 8 inquiries on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother-in-law added me as an authorized user to her XXXX credit card account at least 25 years ago. She passed away on XX/XX/2022. XXXX has removed her name from the account and has placed the account in my name. I NEVER signed up for credit with XXXX and have not used this account and am not responsible for the balance that remained after her passing. They have placed a negative comment on my credit report. I have discussed this with them 4 times now by phone and they continue to report it incorrectly and are attempting to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A section 2 : also states A consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Lease was up on XX/XX/2020. Security deposit of {$520.00} withheld. They had repairs of {$340.00}. I should get a check of {$170.00}. Instead they say I owe an additional month of rent, 40 % late fee and half of security deposit was non refundable therefore does not go to the {$1000.00} balance they claim I owe them. It is in collections and effects my credit score. I moved out before XX/XX/2020. And have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 to be reporting improper accounts on my credit report.
Product: Debt collection

I am writing to file a complaint against [ transworld ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ). I believe that this creditor or collection agency has engaged in unfair and deceptive practices in their attempts to collect a debt that I dispute.

As per 15 USC 1692g ( b ), I have the right to dispute any and all alleged debts and request validation of the same. I have done so in writing to this creditor or collection agency, but they have failed to provide me with any validation of the alleged debt. Despite my repeated requests for validation, they have continued to contact me and demand payment.

Moreover, I have checked my credit report and found that the information provided by this creditor or collection agency does not match with the information provided by other credit bureaus. This has caused significant damage to my credit score and has made it difficult for me to obtain credit in the future. 

I am hereby requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against this creditor or collection agency for their violations of the FDCPA. I am also requesting that the CFPB ensure that my credit report accurately reflects my credit history and that any negative information provided by this creditor or collection agency be removed. 

Thank you for your attention to this matter. I look forward to hearing from you soon
Product: Debt or credit management

My husband and I purchased a home in SC earlier this year. Since, then, our previous home ( in NC ) has sold, and we want to take use the gains to pay down and recast our SC mortgage, which was sold to Nationstar Mortgage dba Mr Cooper. I can find information about recasting on the website, and it involves filling out paperwork and submitting via USPS, along with a {$250.00} check. They say it could take 90 days ( which is concerning, as I have successfully recast with another lender within 7 days ), and that when they get the recasting payment of $ XXXX, they can take up to 30 days before crediting it to my mortgage account. I have tried, unsuccessfully, to speak to someone about this. Last week, on Wednesday and Thursday ( XXXX XXXX and XXXX ), I reached out by repeatedly by phone and live chat and got no answer or response. On Friday, I reached out by phone, and ultimately got automated messages that, if I wanted to speak to a live agent, I'd have to do it via the online chat. The agent I finally reached via online chat told me, basically, those are the rules, and there's no way to expedite. I asked her to escalate the issue, as it is unreasonable for them to hold my funds for so long without crediting my account. I did not hear back from them, so I am filing this complaint.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I received notification of a shortfall in my escrow. In XXXX I made my regular payment ( or thou I thought ) I made two payments for the shortfall and my regular payment. My bill comes for XXXX and it is not adjusted. I call and I am on hold for 30 minutes and disconnected. I call again and was told I was being transferred and would not be placed on hold and put on hold for another 40 minutes. Finally I am talking to a representative of the bank and they say they can't tell me the exact amount owed for my payment. It will take 3 days for the back office to recalculate to include the escrow and then I have to call back and find out the payment. If these banks using the current technology can't tell me what my payment is how am I suppose to avoid late fees. This waiting on on the phone for hours is not acceptable. I am paying for a service and if they cant provide me with the service they need to pay me for the time I am sitting on hold.
Product: Debt collection

I received a letter from Jefferson CapitaXXXX claiming I owe {$1200.00}, offering settlement options. I think they have been calling according to my wife, whom as asked them to stop on numerous occasions
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX 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. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information 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.
Product: Checking or savings account

I had 4 unauthorized transactions done in XXXX Illinois. I reported them promptly. I proved with time stamped photo of me at home not XXXX XXXX were refunded. The fourth they continue to deny. Ive sent the pictures of a receipt that shows I was in store returning an item and video of another item on the receipt to show it is my receipt. They still continue to deny the transaction. They would ha e you believe that I walked to XXXX a XXXX XXXX XXXX. Found a thief I never met borrowed my stolen debit card back from them. To shop at a XXXX in XXXX. Then walked the three hour drive back home in time to take a time stamped photo of myself in my bedroom. All in another of 10 mins. That is impossible you would think common sense would tell you that since three of the XXXXXXXX  4 unauthorized transactions were refunded. You arent allowed to communicate with the dispute team. They email from an email you cant reply to. Then you start The process all over only allowed to talk to People who know nothing and can do nothing