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

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete all accounts immediately : XXXX XXXX acct # XXXX Inquiries to delete immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX & XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to get my personal information updated so that it's accurate with no success. All I get is letters saying that they had a " suspicious request, '' even though I included my drivers license and proof of address ( same ones I've included on this complaint ). Please have them add, remove, or replace all information to match what's listed below : My current and only address is : XXXX XXXX XXXX XXXX  XXXX, IN, XXXX ( Any other addresses are not deliverable to me by the U.S. post office. ) My ONLY and ACCURATE name is : XXXX XXXX XXXX ( Any other spelling of my name or alias MUST be deleted ) My only and correct date of birth is : XX/XX/1980 Please update/add my only employer to : XXXX XXXX XXXX XXXX My only phone number is : ( XXXX ) XXXX Please remove all the other addresses, names, aliases, birthdates, and employers ; except the ones listed above. Outdated information is not reportable as per the FCRA, since it is inaccurate. 

In addition, there has been a consumer statement added to my credit reports without my consent indicating a fraud alert. I would like that removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX- Reported : XXXX XXXX, XXXX + {$8900.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$22000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX - {$720.00} Needs Attention The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  ( Charge-off ) Transferred or Sold Opened XX/XX/2014 ( 4 yrs, 1 mo ) You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
It is against the law to attempt to collect a debt twice ... 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX they also have records of files that are wrong.
Product: Debt collection

I HAVE NO DEBT WITH THIS COLLECTION COMPANY, The company has failed to identify documents signed by me, the company never sent over file with documents to prove that this debt is mine the company failed to provide proof of this loan payment and amount
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX  XXXX  XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Hello, On XX/XX/year> I received a call at XXXX from Capital One requesting a payment on an account that has gone past due. I explicitly said I do not consent to further calls, I have XXXX and often times they call in the morning waking me up. I am extremely fatigued and need rest. I am unable to pay due to this and due to taking time off work. However, despite being told to stop calling, Capital One has continued to call over and over again utilizing an automatic dialer. This is a direct violation of my rights under the TCPA and I am now owed a minimum of {$500.00} per violation. The TCPA provides that " It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States... to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a ... cellular telephone service... '' Furthermore, I have not provided any form of consent, neither explicit nor implicit, for your company to call my number, let alone for the purposes of solicitation.
Product: Credit reporting

Contacted Transunion for a " free copy of my credit report. I ordered it and was charged {$17.00} for some kind of recurring service. I asked for no such service and when I called them I was told I had opted for a free 7 day trial ( which I did not ) and that they could n't refund it because they had already paid other services for some product related to this. 
Additionally the website is overly confusing and just getting a simple credit report - from ALL of these outfits - is unduly complicated.
Product: Debt collection

I am writing to express my disappointment with the inaccurate credit reporting done by XXXX XXXX. This reporting has severely damaged my financial situation. On XX/XX/24 I noticed a new account on my credit report that I did not open. I immediately sent a notice to XXXX XXXX, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Despite my notice, XXXX XXXX has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that XXXX XXXX immediately remove the imputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If XXXX XXXX does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Product: Credit reporting or other personal consumer reports

Credit Bureau : Experian Reported the below accounts which are results from identity theft : The Fraudulent Accounts are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, Account number # XXXX / Opened : XX/XX/XXXX / Balance : {$720.00XXXX XXXX XXXX XXXX XXXX, Account number # XXXX Opened : XX/XX/XXXXXXXX  / Balance : {$34000.00} XXXX XXXX XXXX XXXX XXXX, Account number # XXXX Opened : XXXXXXXX  Balance : {$5500.00} I contacted Experian via phone, and online to dispute the fraudulent accounts various times. I submitted my police report, Ftc report, identity affidavit, a utility bill, and personal identification-id/social security card via online, and certified mail. They verified they received it. 

The accounts are still showing on my credit report.
Product: Credit card

i contacted us bank for a balance transfer to pay off my XXXX XXXX  loan. because they sent me a promotional offer of 0 % interest for a year. they sent the first check in the amount of {$10000.00} on XX/XX/XXXX. after about 2-3 weeks the loan at XXXX XXXX was not paid off. so i contacted us bank and let them know, and they determined they mailed the first check to the wrong address. so they said they would put in a new balance transfer for {$10000.00} on XX/XX/XXXX, and stop check on the XX/XX/XXXX check. however, they stopped check on the XX/XX/XXXX check. i called on XX/XX/XXXX and they saw this error and issued another check for {$10000.00} to XXXX XXXX. i asked them about the original XX/XX/XXXX check because my account shows a balance of {$21000.00}, they told me they would research it and in about XXXX weeks they will refund the amount and my account will reflect the correct amount. well about a month went by and the incorrect balance was still there. so i contacted them yesterday and they told me that both of the checks were cashed and because of this it cause my to go over my credit limit and they decided they are closing my account because it is too risky. so they told me i have to pay the {$21000.00} by XXXX XXXX. i have contacted XXXX XXXX  and asked them to mail the check back but they say they need information of where the check was sent to from usbank. and i can not find that information nor am i being provided it. now i feel like i got baited for a balance transfer and have to pay it.
Product: Debt collection

Received a letter dated XX/XX/23 signed by Attorneys for XXXX XXXX XXXX  , Inc. indicating a debt of {$9200.00} to be collected. I have no such debt and the attached documentation does not specify the original creditor, except at the top the letter : COMENITY CAPITAL BANK. I have never done business nor have had accounts with this institution. 

This is a fraudulent attempt to collect money.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them. 

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Checking or savings account

A checking account was opened at TD Bank in my name. I have never heard of this bank, nor have I ever opened up an account with this bank. I did not speak with anyone by phone and I do not just randomly go to unfamiliar websites. I received 2 checkbooks and one book of deposit slips as if I opened the account.This bank could be a fraud, so I have not reached out to them. I am requesting this account to be closed. 
Thank you.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 ) ( 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Charge Off : XXXX XXXX XXXX {$4000.00} Inquiries : XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/year> ]. The inquiry was made by [ WESTLAKE SERVICE INC, ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim
Product: Debt collection

I was victim of identity theft as a result of being XXXX  and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.
Product: Mortgage

On XX/XX/2018 - I went to a local Suntrust branch to inquire about a XX/XX/2018 request from Suntrust Consumer Home Loan Specialist, XXXX XXXX XXXX Ext XXXX. The request stated that Suntrust was requesting a seperate signed page 2 of a Uniform Borrower Assistance Form packet. ( For Background : My husband and I were in the middle of a divorce, and he alone requested the mortgage modifications. I was opposed to them. ) I had been in contact with Suntrust multiple times over an approximate 9month period, continually notifying them that I was not in agreement with the modifications that my husband, who is a previous Suntrust EVP, was requesting. Since the UBAF did not have a place for a signature on Page 2, and since the UBAF packet is a 5 Page composite whole document, that  requires legal affirmations for the entire document to be sworn to, on page 5 of the document, I became suspicious about the odd request, especially with my husband having many friends and colleagues still employed there. The local branch representative filled out a complaint form for me concerning both my mortgage and HELOC loans. At XXXX on XX/XX/XXXX, I received a call from XXXX XXXX, Suntrust Manager with the Home Mortgage Retention group. I explained to her that I had been speaking with and e-mailing XXXX XXXX over the past several months, notifying her that my home had not been damaged by Hurricane Irma, that my husband used the Hurricane as a way to intentionally default on the mortgage as a means to securing more favorable loan terms without it impacting his XXXX since he is a XXXX XXXX  ( XXXX XXXX    XXXX ), and I was opposed to modifying the Mortgage which would add over 21k in a balloon payment to the end of the loan. I submitted a previous complaint ( XXXX ) concerning this issue, however that complaint was directed towards the HELOC loan associated with the mortgage. This complaint is regarding the Mortgage which Suntrust modified in spite of the fraudulently modified signature page and in addition to my ongoing objections. My husband 's document tampering can be clearly seen on the Suntrust Corrections agreement as well as the notarized signature page that I have attached. I have also attached proof showing that I had faxed Suntrust the original pages, long before they received and processed the fraudulently tampered documents. In spite of the fact that Suntrust had the original documents along with my objections, they continued processing the modification with the tampered documents which were very obviously altered, and even initialed by my now ex-husband. Suntrust also failed to report the illegal mortgage document tampering to authorities, leaving him to continue working in the financial industry without consequence, which places hundreds of unsuspecting clients at risk. It is disturbing that Suntrust not only refused to reverse this modification, they also have made every effort to protect their former EVP from being held responsible for knowingly engaging in financial fraud.
Product: Credit card

I submitted a complaint thru CFPB regarding a fraudulent account Capital One is trying to collect on. The stated they verified it was mine sent me a bunch of bills could not supply me with a credit application with my signature or anything because it was submitted through the internet by someone who stole my identity. all they could supply was copies of the bills.