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

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses 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, IL XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance XXXX {$460.00}, XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received notice in regard to an amount owed on a XXXX XXXX XXXX. I signed up for a membership and it was cancelled and never used in the first 3 days under the terms of the agreement. The company never contact me to collect the debt. Now the debt has been sold to another agency who is demanding payment, has reported to the credit bureau, and has failed to validate the debt as requested.
Product: Debt collection

Please send in validation request because I looked over my credit and I noticed these companies have been reporting stuff that does not sit right and it's laws like the FCRA section 609 for accuracy of the bureuas report then debt people who have beem doing this stuff 15usctitle 1692 validation of debts Please have them delete this mess if they can not truly validate this stuff on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's website is designed with a series of warnings and " official looking '' notifications that are designed to influence the consumer to purchase products that can sometimes be covered with free services. For example, on my file, it says in bold letters that my file is " unlocked '' eventhough I put a credit freeze on each bureau. I'm an attorney and businessman and didn't know the difference between a lock and a freeze. More importantly, Experian does not make it easy for me to find my credit freeze and modify it ( as XXXX  does ). As a result, I was unable to provide an open window into my report for a bank loan. I urge you to compare the credit freeze functions and customer-centric design of Experian to XXXX. Experian is misleading consumers for profit. It must stop, and they must make it clear where the free credit freeze services are located. And, if they are only by phone, they must be on line and adjustable. Thank you.
Product: Credit reporting or other personal consumer reports

In XXXX with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX usc XXXX. Accounts name : XXXX XXXX  Accounts Number : XXXX and XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

FED LOAN SERV reports two late payments on my XXXX   and XXXX  credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Reported Late Payments and Request for Investigation Process Explanation Dear CFPB, I am contacting you regarding inaccuracies I identified in the reporting of late payments for my XXXX XXXX XXXX account. These errors negatively impact my credit profile, and I request an immediate investigation and correction. Below are the account details and specific discrepancies : Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$3100.00} Balance Owed : {$0.00} Credit Limit : {$2800.00} Account Status : Open Payment Status : Current Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Discrepancies Identified : Late Payments Reported : XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
Equifax : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
Inconsistent Reporting : The payment history provided by the credit bureaus is inconsistent with my actual payment records, which confirm that all payments were made on time as per the terms of the account. 
The account status remains " Current '' across all three credit bureaus, which contradicts the reported late payments. 
Supporting Evidence : I have attached copies of my payment records along with the relevant sections of my credit report to highlight these discrepancies. These documents clearly demonstrate that I have fulfilled my payment obligations on time. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Additionally, credit reporting agencies are required to conduct a thorough investigation of disputed information and promptly correct any errors as per 15 USC 1681i.

Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a detailed description of the investigation process conducted, including the steps taken to verify the accuracy of the reported late payments.

Proof of Late Payments : If the late payments are found to be accurate, provide verifiable documentation supporting this claim, including dates, amounts, and communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to do so will be considered a violation of my consumer rights. I trust that you will handle this matter promptly and ensure the accuracy of my credit report. 
Thank you for your attention. Should you require any additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and Merchant and Professionals collection agency are in violation of HIPPA violations. XXXX has shared details about my procedure and history with Merchant and professionals. Not just the Cost of services or date of procedure, but an in detail of procedure and why i had a procedure done. This is a blatant disregard of the HIPPA laws protecting me from this. In addition to this Merchant and Professionals has continued to harass me over this debt  with threaten phone calls and pretending to be attorneys to sue me. That is false representation. I demand that Merchant and professionals delete their information from my credit report ASAP due to HIPPA violation laws, if this is not done within 30 days from this complaint i will be forced to take further action which XXXXay cause monetary damages to XXXX XXXX and Merchant and professionals.
Product: Checking or savings account

I dont have a bank of america  or XXXX XXXX  account and both of those companies are not letting me create one. It denies me every time i try to apply for a checking account.
Product: Credit card

I requested that my card / account be canceled and that the associated membership fee be canceled. This was done when I sent in payment for my bill. Which is in accordance the the cancellation policy stated on the back of the bill. However, contrary to my request, the account was not canceled and I was charged a fee. This account was a Chase Southwest Rapid Rewards card.
Product: Mortgage

I refined my home with XXXX XXXX mortgage on XX/XX/XXXX. XXXX XXXX title company XXXX XXXX XXXX did the settlement. Title company sent the funds to Mr Cooper on XX/XX/XXXX and they did confirmation that funds were with drawn on XX/XX/XXXX. Mr Cooper still shows my loan and active as of today and my payment is due on XX/XX/XXXX. As of today two mortgage companies are holding my loan. I called multiple times to Mr Cooper customer service and they are saying they didn't receive pay off
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Transunion sent me a letter dated XX/XX/XXXX( File number XXXX ) claiming that my recent request for an annual credit report was denied since I had already been provided a report this year. I called the toll free number provided today the XX/XX/XXXXand the first call sent me to a request to enroll me in an emergency alert program. I responded no. Then it reported that I had won a caribbean Cruise. I hung up and tried again. I was cut off 3 times before I was placed in a que. The fifth connection kept me on hold for 11 minutes and 4 seconds and the voice message asking me to press a button to keep connected became unintelligible, so I hung up. 
What I wanted to know was why they believe I already asked for a report. I have not contacted Transunion for more than 10 years. I have opened a new savings account recently, so maybe the bank asked for my report. But does another agency asking for my report make my personal request null and void? That would make no sense and would not let me check on who has been asking for my credit report, possibly for nefarious reasons. Please advise. ( I can not scan the letter. )
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

CREDIT COLL ( Original Creditor : XXXX XXXX  ) is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

I recently had my credit pulled to purchase a home. I was advised that a collection was on my report from Performant Financial. I have ZERO collections on my credit and this was a unauthorized pull \. I contacted them and they advised i needed to call XXXX. When I contacted them they said there is nothing they can do and Performant needs to request to remove wich they refuse. Ifaxed a request to XXXX as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2017 Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

My personal information was lost/stolen during my tax preparers relocation in 2019, and I was notified and advised to monitor my accounts going forward. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge of. I also see numerous credit inquiries where someone is attempting to access lines of credit in my name in addition to listing addresses I have never resided. 

I contacted the credit reporting agencies to advise them of the accounts that are not mine being reported on my credit profile, I requested verification and have yet to receive a formal response. 

I have the right to privacy and have not given any written consent for this information to be reported to my profile and doing so is in violation of 15 USC 1681B Also furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that addresses where I never resided being reported to my profile be removed. This is causing erroneous accounts to be inaccurately reported to my profile and impacting my ability to obtain credit.
Product: Mortgage

This company did a fraudulant activities again, and no wonder why thay have a lot of lawsuit, there employees are very ruid, and if you will call there toll free number there messages, will say, this is a debt collection agency, and we have the right to do this, etc, and im paying them on time, they should change there messages, this is harrashment to the consumer and the second one, is they took my {$1000.00} to my chase account as nuvients loans, and I dont have a students loand to them, there was a double payment to my mortaged to my account between XXXX XXXX, XXXX and XXXX XXXX, there employee is saying, that XXXX bank was the one who input the transactions by XXXX student loans borrower, biller id is XXXX this is there id user namer. 

and it eas them who mess it up, I never even authorized them to get into my chase account Last two months, ago the loans was paid off, and I have refund of {$1000.00} for my escrow account, I even request for a supervisor, instead of I was on hold for two hours, from there employee, its two months, now they never return my refund, and I updated my address here in XXXX XXXX ca, They should give me that interest of the delays, theys said that they are not afraid of this institution because they are big companies. 

XXXX XXXX, a bigger company, and they sent me my refund right away, and they added the interest of some delays, this company fraudulently used again my money, I know that you are helping a lot of home owners I hope that there fraudulent practices should be investigate, Its holiday and they are the one who is using my money Respectfully yours, XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, my Bank of America XXXX XXXX XXXX XXXX information was fraudulently used to make {$1500.00} in music festival ticket purchases ( for the XXXX XXXX XXXX XXXX XXXX with XXXX XXXX, XXXX XXXX, XXXX XXXX  and more! @ XXXX XXXX XXXX on XX/XX/XXXX ). There were three separate purchases attempted and two, for around {$1000.00}, were immediately declined by Bank of America. The third charge, for {$520.00}, went through. I saw these immediately and called both the ticket vendor - XXXX XXXX, who said there was nothing they could do, and B of A. B of A agreed to freeze my credit card and I filed a dispute of the charge that evening. A month and a half later, they " resolved '' my dispute by denying it. The reason they gave was that I was provided with and in possession of the merchandise - an emailed ticket. They seem to have completely trusted the vendor- XXXX XXXX- who told them that I created an account, purchased the ticket, and accepted their terms of service- as if someone doing this online from a nearby IP address ( XXXX ) somehow may be fairly assumed to be me. Nevermind that I reported this purchase as fraudulent immediately that night, that my credit card was closed, that I never used, redeemed, or transferred the ticket, or that I never travelled to XXXX to attend this concert for which the ticket was purchased. Again - I never redeemed or forwarded the ticket. Someone else bought it and it was sent to me by email. B of A never contacted me to speak with me or question me about any of this. I have proof I never used the ticket, never travelled to XXXX, and was in Washington state when this concert took place. Why would I dispute this purchase, close my card, than use the ticket anyway? I since have been issued a new credit card and destroyed the old one. This is the second time this card has been fraudulently used for purchases. I would like to be refunded the disputed amount of {$520.00}.
Product: Bank account or service

On XX/XX/XXXX I deposited {$200.00} into my savings account with Chase bank. On XX/XX/XXXX I went into the bank to request a bank card that was never mailed to me & learned that the account had {$0.00}. I told the banker that that could not be correct because I just put money in the account on XX/XX/XXXX & was told that money was withdrawn the same day it was deposited. I did not do the withdrawals & she called to report the transactions. One transaction was a miscellaneous debit withdrawal which is done manually but the manual withdrawal slip can not be produced! Chase reversed my credit saying that the investigation shows it was correct but have yet to show me a photo of the withdrawal slip or a photo of me completing the so called correct transaction ( both occured at the Chase main branch bank so I would like to see the proof & have them explain why my credits were reversed when I did n't do the withdrawals ). I had no reason to withdraw from the account because I took out {$300.00} from another account & placed the {$200.00} into my savings account and still had over {$300.00} in my other account, I did n't need to deposit money & then immediately withdraw it, I had a {$100.00} in my pocket & more than {$300.00} in another account days after the skimming transaction occured!