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

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX  XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX Subject : Formal Complaint Against XXXX for Illegal Activities Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX XXXX XXXX  regarding serious fraudulent activities associated with my credit report and their improper handling of accounts linked to both XXXX XXXX XXXX and XXXX XXXX 

I have observed that XXXX has continuously allowed the fraudulent opening and closing of an account associated with XXXX XXXX XXXX. During INVESTIGATION.This account has been misreported, with XXXX XXXX XXXX erroneously claiming that the alleged debt belongs to them, when in fact it originated with XXXX XXXX. 

The following points outline the specific issues I wish to bring to your attention : 1. **Fraudulent Account Misrepresentation** : XXXX XXXX XXXX is inaccurately representing the claim to alleged debt as their own, which is misleading and unfounded. I have no agreements or acknowledgments regarding this debt with XXXX XXXX XXXX. 

2. **Ongoing Misrepresentation of Debt** : XXXX has been fraudulently misrepresenting an accrual of this alleged debt on a month-to-month basis, despite the fact that this account has been closed and charged off for over five years. This ongoing misrepresentation is damaging my creditworthiness and reflects a failure to update or verify the accuracy of the information in my credit report. 

3. **Failure to Investigate Disputes** : I have previously submitted disputes regarding these issues through the appropriate channels, yet my complaints have not been adequately addressed. XXXX has failed to conduct thorough investigations, allowing inaccuracies to persist on my credit report. 

4. **Impact on Creditworthiness** : The presence of this fraudulent account and the misrepresentations by both XXXX XXXX XXXX and XXXX XXXX have severely impacted my credit score and my ability to secure loans, credit, and other financial opportunities. 

Given the seriousness of these issues, I respectfully request that the Consumer Financial Protection Bureau investigate XXXX 's practices concerning my credit report and the allegations of illegal activities tied to misrepresentations from both XXXX XXXX XXXX and XXXX XXXX It is essential that XXXX adheres to the Fair Credit Reporting Act and ensures the accuracy and integrity of the information reported to consumers. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me should you require any additional information or documentation. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ] [ [ Attachment : Any supporting documentation related to the complaint, if available ]
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed Fraudulent inquiries that need to be immediately DELETED on grounds of IDENTITY THEFT, and Personal information that needs to be immediately UPDATED. Pursuant to 15 USC 1681c-2 I DID NOT originate nor authorize the following Inquiries.

Also, Pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ) please update the following personal information as well. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX 
DELETE FORMER NAME : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. DELETE FORMER ADDRESS : XXXX XXXX XXXX, XXXX XXXX ADD NAME : XXXX XXXX XXXX. DELETE INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. SEE FTC ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to cancel credit freeze for credit card application and was successfully logged on line for 72 hour unfreeze. Bank of America representative states my account is frozen but dont worry, I will connect you to XXXX and you may verify your self in order to lift freeze. I will remain on the line until you qualify. The lady, whom I believe was called XXXX, a XXXX  speaking women assured him, I want to say his name was XXXX that My report was unfrozen and BOA agent again questions her stating that it was still frozen. She hangs up and says dont worry! I v seen this before and it is probably a delay I will wait until the next day and run it and return to you via phone call. 
Well I just received a letter from Bank of America stating due to my credit freeze that I could not be extended credit due to no access to my credit report. 
Shameful and these are the same people who were compromised with all my personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of collection from XXXX and it is reporting negatively reporting on my bureau. This collection is a credit error. Please remove ASAP!
Product: Checking or savings account

Hello, On XX/XX/2022, I was contacted by a friend via XXXX. She talked about an investment opportunity called " XXXX XXXX '' and talked about how it worked for her. She send " proof '' of how everything worked. After this, she send my information to another person to contact me. I was talked into investing, as both persons were talking to me at the same time via XXXX messages ; knowingly that I was supposedly talking to a friend, I trusted it. Not being confident enough to trust the methods they used, I was forced to use the XXXX XXXX and sent {$2000.00} dlls ( on XX/XX/2022 ). to the contact my friend send me. After this, I was asked to send more money for some " mining fee '' so that I can withdraw the earnings, so I started hesitating. I then tried to contact my friend and the other person to the number she gave me for the XXXX deposit and I couldn't reach them. After a couple of hours, I was blocked from both accounts and both profiles were deleted. Apparently, both XXXX users were hacked and another person was using them ( they were real accounts, with pictures from years and they were on my contacts list ). I was scammed. 

Immediately, I filled a claim with my bank ( Wells Fargo ) the next day, but after 2 weeks their response was that nothing can be done. 

I also filled a complaint with the FBI ( XXXX ) and I report the number to XXXX, because knowing the name and cellphone number they sent me to use the XXXX XXXX, I got information about where the person was registered.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX   {$630.00}, XXXX  XXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.
Product: Debt collection

Opened XXXX, credit card, it was discharged XX/XX/XXXX then it was repurchased 2 yrs later XXXX for monies and I had NO knowledge and then again transferred to CACH LLC XXXX. Even credit one supplied me with all the above information and had no knowledge that this charged off account was being bought by collection agencies. 
I notified XXXX XXXX XXXX XXXX DE, my bankruptcy attorney advised me that once this was charged off, it was not to be purchased two years later ( statue of limitations ) and then again in XXXX XXXX deleted this account
Product: Credit reporting or other personal consumer reports

BRANCH BANKING AND TRUST XX/XX/year> BRANCH BANKING AND TRUST XX/XX/year> BB AND T XX/XX/year> According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.I am the Consumer. 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 Congress 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

BRANCH BANKING AND TRUST BRANCH BANKING AND TRUST BB AND T are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

" I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I'm LOOKING AT MY PERSONAL CREDIT REPORT AND NOTICED FRAUDULENT HARD INQUIRIES ON IT. I WANT TO REMOVE THESE FRAUDULENT INQUIRIES AS SOON AS POSSIBLE. 
XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024
Product: Debt collection

I am writing to request that the account in collection placed on my credit report be removed. Under the XXXX XXXX XXXX Practices XXXX XXXX FDCPA XXXX. This is not a request for validation ... XXXX XXXX XXXX -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting XXXX in Collections with a balance of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX, I disputed a XXXX XXXX bill. On XX/XX/XXXX National Recovery Agency reported to XXXX a derogatory entry that is false. It states that the account is 7 months old. In fact this account was closed more than 5 years ago. The false information should be adjusted, this is 5 year old debt not 7 months old. I have had no contact with either company since XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I obtained my Experian credit report online and immediately started disputing inaccuracies by phone and mailed in documentation. However, from starting disputing in XX/XX/XXXX until XX/XX/XXXX, the inaccurate accounts, names, and bankruptcy were never removed after disputing multiple times. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Our home mortgage was transferrred to a company called " Mr. Cooper '' and we have had nothing but problems since that time. For the month of XXXX, they took our mortgage payment of {$2500.00} out of our checking account twice. When I saw that they took our XXXX mortgage payment out twice, I called Mr. Cooper and asked for the money to be returned. I spoke to Mr. Cooper customer service on Monday, XXXX XXXX and the customer service rep confirmed that they had accidentally taken out the mortgage payment TWICE. She said that that the payment would be returned to my checking account within 3-5 business days. Today, XXXX XXXX, XXXX, it has been EIGHT DAYS ( 6 business days ) since I was promised the over-payment would be put back in my account. It has not been returned. When I called Mr. Cooper customer service again, I was given the run-around. I was  place on hold for over 30 minutes and then told that they would need to contact the bank to " confirm the check cleared '' ( this was already done on XXXX XXXX when I called the first time ). Long story short, they are playing games, giving me the runaround and keeping the double payment. My other bills are going unpaid and I will have late fees and returned check fees if they continue to refuse to return the double mortage payment.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a XXXX listed on my credit report. I have a court-issued letter that clearly confirms this XXXX  should not have been reported to your agency. Despite this official documentation, the XXXX remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from EXPERIAN associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, EXPERIAN has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting or other personal consumer reports

I have disputed reports for XXXX XXXX  XXXX cards as well as a first financial bank card as I have never owned a XXXX  XXXX XXXX  and the XXXX XXXXXXXX XXXX  XXXX has been paid in full. On XX/XX/XXXX, the XXXX XXXX XXXX  was written as a charge off. I disputed both XXXX XXXX XXXX  on XX/XX/XXXX, to which the credit line showed as delinquent and past due in XXXXXXXX XXXX XXXXXXXX. Furthermore, I disputed both cards in XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX, to which experian informed me each time that the results were complete and remained the same. Any XXXX XXXX card that appears in my name was open fraudulently as I have never authorized for a XXXX XXXX card nor have I ever been interested in one. The XXXX XXXX XXXX  XXXX  has been paid but shows as delinquent, to which this has caused my credit score to plummet significantly.
Product: Credit card or prepaid card

I made XXXX payments of {$60.00} and {$65.00} on XX/XX/XXXX, but the store charged me another {$60.00}, XXXX charges total of {$65.00}, {$60.00}, and {$60.00}. I contacted CapitalOne regarding the XXXX charge and received a conflicting response from them. XXXX response told me that the XXXX {$60.00} was credited back to my account, but the XXXX response said I was responsible for the XXXX {$60.00}. I called CapitalOne dispute center, and after XXXX hours and a half on the phone, I was told that I am responsible for the XXXX {$60.00} because I did not send them a document showing that I did not make the XXXX {$60.00}. The store sent CaptialOne XXXX receipts with XXXX different signatures ( none of them are mine ), and I explained to CapitalOne that none were mine. The store did not ask me to sign any receipt at the time of the service. CapitalOne still insists that I do not have any document showing that I did not make the XXXX charge of {$60.00} and charged me {$60.00}. 

CaptitalOne sent me a letter saying that they credited me the {$60.00} on XX/XX/XXXX, but it is a false statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft and I sent a letter containing all information about the identity theft that I reported to FTC and to my local police department ( case # XXXX ). Equifax is supposed to block/remove all fraudulent items in my report as directed by section 605B of the Fair Credit Reporting Act but they refused to do so after contacting them by mail and by phone. They are directly in violation of the FCRA 605C and also Privacy act of 1974 that we do n't have a contractual agreement that they can hoard my personal information and pass them around to the fraudulent creditors and ask them to investigate. Their misleading practice has been harmful to me psychologically and financially. They are also in violation of Fair Credit Reporting Act that they verify information through physical verification of the original signed consumer contract with my wet ink signature and always asked the fraudulent creditors to verify for them. Anyone paying for their service can report anything without Equifax verifying the information. I am requesting that they follow the law and remove the fraudulent account immediately.
Product: Mortgage

This is a emergency, I have been trying to make payment on my loan since XX/XX/XXXX, USBank said loan was turned over to foreclosure, and they gave me a lawyer name, they did Not have the account, they did not receive the account until XX/XX/XXXX, they mailed a letter on XX/XX/XXXX, I have since been calling to pay, and now they have sold the loan, bank bought it!!! I have been trying to pay this and it has been a nightmare, now they have a real estate company trying to sell my property, also from the time the attorney recieved the foreclosure to the sell was less than 45 days. I need help saving my son 's home! We mailed documents for the bank to mail info to my house, and to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation