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

I am writing to formally request that the inquiries listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These inquiries were made due to unauthorized access and should not be reflected on my credit report.

The following inquiries should be blocked and deleted from 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I have filed form XXXX with the irs.gov. The perpetrator ( XXXX ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( XXXX ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, Equifax and XXXX. Pursuant to Title 15 USC 1692G 1692K et seq FCRA 605B ( 15 U.S.C. 1681c-2 ) Tax Fraud Reporting Inquiry and Data Breach Reporting
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and noticed three hard inquires on my credit, that I HAVE NEVER AUTHORIZED. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX I did not give authorization to these companies to pull my credit score. This is fraud!! Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. Please investigate this and send me proof. If proof can not be provided, I demand to have these inquiries removed, thank you in advanced.
Product: Credit reporting or other personal consumer reports

By 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian.

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian.
Product: Credit card

I was given an automatic upgrade to my Wells Fargo, which had an increase in the rewards program of XXXX points per dollar instead of XXXX, effective XXXX XXXX, 2015. 
I called at the end of XX/XX/XXXX//beginning of XXXX, and a lady confirmed that the increase was correct. 
I get my XXXX statement, no increase. Called again, then told it would take XXXX to XXXX billing cycles. 
I wait for the XXXX statement, still not given credits and I call XXXX/XXXX/15. I am bounced around to find XXXX side of Wells Fargo shows the XXXX points, but the reward side stills only shows XXXX. Told wait another billing cycle. 
XXXX statement, same thing and I call XXXX/XXXX/15, bounced around again, but this time a supervisor says he will send an email to the rewards side and have them call me on either XXXX or XXXX. I receive no call, but instead have to call them on XXXX to still have no resolution of the now {$150.00} worth of credits I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was informed that the company had taken care of the situation and the matter was closed..I never received any compensation for them closing my account without authorization..
Product: Credit reporting or other personal consumer reports

During XXXX, I had some financial hardships, and I was unable to bring my account up to date. I was offered an payment arrangement that would remove all past due account statuses If I paid 3 consecutive months. I did that during the months of XXXX to XXXX, and the past due status was never removed. Finally, this account was paid in full, and it is not reflective in all of the bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I asked the lender/company that manages the account ( capital one ) to contact XXXX to see if the account is eligible to be re-reported or reinserted to my credit report. 

They advised me they were not able to do this. 

Additionally, I tried contacting XXXX after having no success and once again after speaking to management was advised they were not able.

There is no issue reporting to XXXX monthly since XXXX. The XXXX point discrepancy in the score differences is solely because of this one account not being added to my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Act # XXXX, XXXX ; XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A States I have the right to privacy.

15 U.S.C. Section 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/year>2023 XX/XX/XXXX XX/XX/XXXX/2023 XX/XX/XXXXXXXX XXXX/XXXX/2023XX/XX/XXXXXX/XX/XXXX XXXX/XXXX/2023 XXXXXX/XX/XXXXXXXX XXXX/XXXX/2023
Product: Debt collection

It's an old account from XXXX at that time balance was XXXX now they say it wasn't paid off and a different addresses and a different balance
Product: Mortgage

I have Power of Attorney for my Father on this account. In year of XXXX it was documented a mortgage loan of XXXX was not taken out by my Parents. How it was done we don't know. Their signature is up on the contract but it's impossible for them to say it was a mortgage loan because the land and house was paid for by parents. XXXX XXXX  is the company who said they owe {$53.00} for mortgage which they never financed that amount for them to borrowed or given for anything. I see also this account was given to them by XXXX XXXX  .Then XXXX XXXX  in XXXX turned this loan over to Ocwen Mortgage XXXX and in XXXX, the month of XXXX, Ocwen turned this loan over to PHH Mortgage. I have been Informing them that this could no way be my parents loans legally. No money was borrowed against this property or was used as collateral for any purpose. I believe this loan was fraudulent from the beginning. My parents were not aware of these situations going on. My mom passed in XXXX and my dad which Is XXXX years old with health issues he don't need this burden. I want our property back from their clutches and payments that were paid over the years.
Product: Debt collection

On XX/XX/XXXX of XXXX Westlake Financial Services approved a loan of XXXX dollars to an auto dealer called XXXX in XXXX XXXX, Texas. Around XXXX I did try to look for a car, and gave my information to one of the sales man from that place, and my mistake was to give them my information through text messages. That auto dealer has been closed down for laundry money charges and for using social security from other people. I already contacted Westlake Financial Services multiple times and told them that I had nothing to do with the deal that was done without my consent, I never signed anything at all. They told me to do an Identity theft package on XX/XX/XXXX, the package arrive on that date, and I already sent it to them around the beginnings of XXXX. No answer whatsoever from them at all, I also already contacted XXXX twice about this issue, I sent all of the papers that were asked from me and they STILL tell me it is my account, that it belongs to me whereas it does not. I can not send more information to them because I already did, the car is nowhere to be found, I do not have it, no actions have been taken either by Westlake Financial Services NOR XXXX at all. My credit score has been gone down hill ever since.
Product: Checking or savings account

Direct deposit arrived to my bank account and was on hold for a few days. Upon contacting them they finaly saw the deposits for the amounts of XXXX, XXXX and XXXX dollars respectively that arrived to the coinbase XXXX  between the XXXX of XX/XX/2022. After many days making phone calls between banks and sending them complain tickets to get my money resolved they ended up cancelling the direct deposits because they thought it was fraud without returning the money to the original sender. That money was from my XXXX XXXX work and i think they somehow confiscated the money because after weeks those funds never were returned. I have receipts and evidence of them admitting they've seen the funds hitting my account without clearing them. I need this money for a family of XXXX including a baby and cant loose my money just because they thought the money was fraud. If they didnt want to accept a direct deposit they should at least return it to the original sender so that the funds can go to the correct person. I am a XXXX XXXX XXXX  and those funds were hard earned and needed for food and housing needs for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Debt collection

Please note that the issue we are having is not a selection in the " best described '' from above. 

I am writing from XXXX and we are the title insurer on the subject property. Chase holds a judgment that we need to clear because it was not cut off in the subject foreclosure action. Their debtor is the prior owner who was foreclosed upon. Our current client, the Plaintiff and Seller of the property needs to convey clear title at the REO sale, and Chase is prohibiting this from occurring. Here are the series of events for this issue : XX/XX/XXXX : XXXX Counsel, XXXX sent a proposed stipulation to JPMorgan Chase Legal Department in XXXX DE asking them to execute to extinguish the lien pursuant to the foreclosure. Chase did not respond. 
XX/XX/XXXX : XXXX faxed settlement offer to Chase to both their Judgment/Bankruptcy review department and Judgment Correspondence department. We tried to settle the lien and obtain a release. 
XX/XX/XXXX : XXXX faxed XXXX request to both departments. 
XX/XX/XXXX : Also emailed request to XXXX, XXXX, of Chase asking for his assistance since no one at Chase had responded. He was more concerned with how we obtained his email than with assisting us. 
XX/XX/XXXX : XXXX faxed XXXX request to Judgment Review. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX since we never had a response. Again, his main priority was how we obtained his email address. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX asking for him to please filter our request to the correct party. He called and was supposed to do so, however, we did not hear from any other persons at Chase. 
XX/XX/XXXX : XXXX XXXX was trying to assist us and reached out XXXX, whom they had contact with on another file. XXXX informed them that their legal counsel would not execute a stipulation because the lien in question has been paid, and they sent the release to the foreclosed owner ( former owner ), XXXX in XX/XX/XXXX. XXXX XXXX asked for a duplicate original, but they would not produce once until they had authorization from the owner. 
XX/XX/XXXX : XXXX faxed request to Judgment review and lien release dept., with the information that we had that the lien was paid ; asking for a duplicate and gave them the current owner 's authorization. We stated that we would be filing a claim with the CFPB if we did not hear back from them. 
Chase called us the next day responding to our letter stating that they would not give us the duplicate because they wanted consent from XXXX. I explained that would not be possible since he was involuntary foreclosed upon. Chase did not seem to care despite the fact that I told them we would have to proceed with our claim.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 


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

I requested the method of verification from Transunion. All three bureaus advised that the bankruptcy courts verified the information. I received a letter from the bankruptcy courts that they do not verify any information with credit bureaus. If they do not verify information with outside companies this would make the credit bureaus be in violation of FCRA XXXX ( a ) ( XXXX ). By law these companies are required to physically verify information that is out on my credit reports ( Section XXXX ( a ) ( XXXX ) ( a ) ). I sent the letter from the courts advising they do not verify and I still received another letter stating that the information was personal ally verified.
Product: Credit reporting or other personal consumer reports

I have been informed that a hard credit inquiry was done by XXXX XXXX  on XX/XX/2023. I did not do this or did not apply for credit or anything. I am afraid of an identity theft issue or some kind of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to Credit Reporting Agencies Experian, XXXX, and XXXX  in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.
Product: Credit card or prepaid card

A few weeks ago I noticed a very unusual charge on by BarclayCard US Master Card ... interest ... .which I have rarely had in 30 years of using cards. I assumed they made a mistake and omitted the tiny amount from my payment, figuring they 'd figure it out. There was more interest charged the following bill, so I phoned them. We figured out that I had confused a XXXX for a XXXX on the first bill, resulting in a {$20.00} deficit, and thus the interest charge. Not only did BarclayCard US Master Card refuse to waive the interest given that I have been a very good customer paying hundreds of dollars per month to them on behalf of vendors we do business with, they informed me that if I cancelled the card upon full payment, I 'd lose all my earned mileage ( approx. 70000 ). And since their annual membership fee is due in a few weeks, I 'm stuck doing business with such people for another whole year in order to use the well-earned mileage from them. Beware of BarclayCard US Master Card, the ( not ) ethical company.
Product: Money transfer, virtual currency, or money service

My cashapp was hacked and someone had taken almost {$60000.00} from me and never gave it back and locked me out me account