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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2022 I have contacted XXXX to deal with this violation of my rights. 

I was affected by the XXXX data breach and XXXX is in gross violation. Per 15 USC 1681 ( a ) XXXX, XXXX has assumed this vital role without my consent or permission. XXXX did not respect my right to privacy. 

XXXX did not exercise their grave responsibility. XXXX reportings were unfair, partial and unconsensual. XXXX did not respect my right to privacy. 

I never instructed XXXX to furnish this report and I never consented to this report. XXXX does not have permissible purposes as per 15 USC 1681b ( XXXX ). 

These violations are undermining my confidence in the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX BANK XXXX XXXX, XXXX XXXX BANK XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within XXXX  days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX I was sent a lot of emails for pre-approvals saying that I was pre- approved for credit cards, personal loans and refinancing for my car. Emails from credit karma with these pre approvals would be sent almost everyday. At first I thought it was too good to be true but after months of seeing these emails and these offers when I would check my credit score and Email from credit karma with all these offersI believed them I started telling my children my friends and parents that I would finally be able to get a lower interest rates for my car, finally fix my home, go on vacation and be able to invest in some different investments means my family talked about sooo I went ahead and applied for XXXX credit cards, a refinance for my at the time XXXX XXXX XXXX and a personal loan for {$20000.00} to have my home repaired.I was crushed I was deceived I got sooo XXXX and my XXXX has gone through the roof. Every time I see pr approvals my heart pumps so fast with fear and anger why would such things be marketed to me if it wasn't true I was lied to its like who can you trust I thought they were supposed to help me not hurt me. I barely check my credit now n my journey to repairing my credit has been set back im a single mother with XXXX children that live in poverty im just trying to make it got ta here soo my children will be safe and happy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report related to the collection account from XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX XXXX. The account number in question is XXXX. I believe this information is not accurate and is in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that you investigate and either update or remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/2014. On my credit report they closed the original account in XX/XX/2014 and re-opened another in the same month, placed it on my credit report and began reporting as charges office since that time. Ive asked the credit bureau to remove this account because it is past the statute of limitations yet, it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The equifax data hack that caused the loss of my personal identifying information that can be used to impersonate my identity and even take out loans without my awareness. That this data was stored in an unencrypted format and can be accessed in bulk is a failure on Equifax 's end, and that this information can be used without my direct involvement is a failure on the industry as a whole, as even my email has two step authentication.
Equifax 's solution to offer one free year of their paid service monitoring with an agreement to not pursue any lawsuits is nothing less than a profiteering exploitative insult, as the information that was stolen will be mine for the rest of my life. Not that the end of my life necessarily means the end of the problem, as there have been instances where a stolen identity has been used even after they the owner of that identity is XXXX.
Product: Credit reporting or other personal consumer reports

My car was stolen in the first quarter of XXXX. My insurance has already compensated bmw Financial for the vehicle, and there is no remaining balance. However, the account is still showing as active with balence on it. I have reached out to the bmw financial to change the account as fully paid of and it was in good condition, but they also confirmed closed but they haven't reported the issue to the credit bureau. Also, I have change my name due to identity theft to XXXX XXXX. Please help me resolve this issue, as I am unable to obtain another loan due to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXX XXXX, has violated my rights 15 u.s.c 1681 section 602 A, states I have the right to privacy 15 u.s.c 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I deposited XXXX checks to chase bank into my checking account in XX/XX/year> one in the total of XXXX $ and another one for the total of XXXX XXXX and they froze my account until verification, they verified the maker of the check now theyre asking for a verifiable number for the other check under another name placed in my account, they now restricted my account even though the other person whos name is on the check went in to the bank with his identification and ssc and told them it was his check and he accepted it being in my account
Product: Credit reporting or other personal consumer reports

This is my fourth time writing you to update my person information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses, please delete these outdated 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 XXXX XXXX and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Product: Checking or savings account

XXXX myWells Fargo debit card was charged XXXX for a purchase I didnt make to firm listed as XXXX XXXX. XXXX XXXXNever heard of them I notified the bank I didnt authorize or use that service.The bank cancelled the debit card and issued a new one. Approx. I attempted to contact the merchant but could not connect with a human, went round and round with telephone prompts but was never able to connect With a individual1 week later I received a denial letter from Wells Fargo on claim # XXXX. 
I called the bank several times to discuss the claim. They claim the merchant swiped the actual card according to the chip read. Dont knowhow since the card never left my person. The bank claims that because the chip was read they cant contact the merchant to discuss the transaction.what recourse do I have. 
Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT these creditors have violated my rights under 15 USC 1681 SECTION 602 states I have the rights to privacy 15 USC 1681 SECTION 604 A SECTION 2 It also states that consumer report agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer payment plan as late for any purpose.
Product: Bank account or service

Bank of America misled me into believing that a duplicate or substitute check would be issued, by them, after the maker decided not to pay it. A check for over $ XXXX was deposited into the ATM. Four days later, or so, I found out the check was reversed only after initiating contact with them. Valuable time was lost during the weeks that they misled me and this is compounded by the fact that no written notice with the check copy was received until a few days ago. This check/property was handed over to the bank, as the customer they owed me specific duties, including the ability to cure any defects with the item.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Student loan

American Education Services refuses to delete a negative entry on my credit report even though they were not the legitimate servicer of my loan in XX/XX/XXXX nor were they the granuty of the loan. I have disputed this entry with them over 5 times in 2 years and each time AES comes back with the same old illegal excuse that they were in charge of my loan in XX/XX/XXXX and they continue to make adjustments to the number of days of delinquent payments and make remarks " This loan is permanently assigned to the Government ''. They know exactly what they are doing, this is not necessary because I consolidated my loans in XXXX under the Federal Government program so I could handle my loans more efficiently. They are claiming that they were the servicer of my loan in XX/XX/XXXX, when actually they were not the servicer of my loan. If AES was a servicer it was not listed on anything to verify their status according the XXXX XXXX XXXX XXXX XXXX web site, the government web site that has all the information listed about loans and the amount that is owed. XXXX, who is XXXX XXXX XXXX XXXX was and is the servicer and grantor of the loan in XX/XX/XXXX. So, what gives them the right to continue to report this negative entry on my report. They were listed in XX/XX/XXXX, but I went bankruptcy then, after bankruptcy XXXX were listed as the guaranty of the loan. I spoke to XXXX concerning this AES reporting and the person that I spoke to told me to call them which I did. AES allows customer service personnel to handles credit reporting, someone who does not have skills pertaining to other people 's life. I ask to speak to someone who is Supervisor or XXXX title. The lady I spoke too, XXXX, a Superior, but she did not say what kind of Superior, but her badge no. XXXX, denied that they are still reporting, but they are because as of XXXX/XXXX/XXXX, I received another refusal about deleting this entry or removing the remarks on my credit report from XXXX through email. She said they are only reporting because I filed a complaint, but if I do not complain, that means that everything on my report I agree with and I do not agree with them holding my report hostage when they are not responsible for servicing nor the grantor of the loan.
Product: Credit reporting or other personal consumer reports

I sent the credit bureaus a letter asking them to REMOVE this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly DELETE the following ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information from XXXX  XXXX XXXX XXXX that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under this law, I have the right to dispute any inaccurate, incomplete, or unverifiable information appearing on my credit file. This account is beyond the statute of limitations of seven years. Please remove from my credit report.

FCRA : Governs the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

FDCPA : Regulates the practices of third-party debt collectors, ensuring that they provide accurate information and validation of debts.
Product: Debt collection

I have been fighting this for a few years now this is not my account Ive never used it I never opened I have asked for them to send me proof which I my right I want original documents proving this is mine. And no response. It keeps getting sold from one company to the next and no one will help me they have the originating date in 2010. So I have been fighting this for a long time now its not mine. I have no paperwork as I have just lost everything I own in the flash flood on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

XXXX XXXX from Nations Lending from XXXX XXXX Texas started helping me with my home loan on XXXX. Thru out the application she received check stubs, income taxes, my 401 and 402 retirement information plus a copy of my life and death insurances from work. On XX/XX/2023 appraisal was requested and paid {$770.00}, gas meter was in place and paid {$100.00}, a personal home inspection was processed and paid {$250.00} and due to appliances not in place when first appraisal was performed a 2nd appraisal was processed and paid {$250.00}. The builder offered a 3 %, and a {$900.00} incentive and my work offered and gave me a {$8000.00} incentive for first time home buyer. My rental home lease was over XXXX but agreed on paying two more month and now I have to move out by XXXX XXXX. On XXXX XXXX XXXX had for me a conditional loan approval for me to close on XXXX. A day before closing she advised me that my loan was denied. XXXX kept telling me that i was approved thru out the whole process but then found out that I was nott approved day before closing, and if that was the case I would not have so much. 
I have lost incentives that were offered to me by the builder and my work, plus home inspection fees and my rental home. 
My dream of obtaining a home was crushed and she has caused me to be under emotional distress. I feel violated, misled, angry and emotionally tired. 

Builder was advised that some of the walls were deformed, and garage walls patched and visible and I told them that needed to get fixed, then the builder said that nothing else could be done and that is the best they could do. 
I feel that due to complaint and wanting fixtures on the home they all got together for me to not get approved a DAY BEFORE closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't realize that being a victim of fraud would take me through some many challenging obstacles such as fighting this hard to redeem my true identity back. The credit reporting agencies are still reporting unverified, unauthorized accounts inwhich is unconstitutional and against the consumer laws of the FCRA. I will be also filling with the FTC if this is not corrected immediately. I've written to all 3 of the major credit agencies to provide me with the Method of Verification, inwhich should include a certified physical signed contract and mailed to me. However, if this can not be vertified by these means then this accounts shall be blocked from my credit report immediately and permanently. The accounts I'm demanding to be removed are : 1 ) XXXX  XXXX XXXX 2 ) XXXX {$71.00} 3 ) XXXX XXXX  XXXX {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX XXXX XXXX {$30.00} 6 ) XXXX XXXX {$140.00} 7 ) XXXX  XXXX XXXX {$680.00} 8 ) XXXX  XXXX XXXX 9 ) XXXX  XXXX XXXX
Product: Debt collection

The company refuses to talk to me when I have another party on the line. Additionally, the debt is not my responsibility. I was a medical student at the time I was exposed to blood. I used to appropriate avenues and the hospital and the school is responsible for any debt that my insurance does n't cover. They contacted me about this debt the first time through a collections notice they sent to the wrong address. It says in the XXXX XXXX XXXX that I am not responsible for the debt as a student and should have never been billed, since I got exposed while working at XXXX. This debt agency has hung up on me several times when I tried to call with representation. No one contacted me before this debt was sent to the collector and they collector refuses to acknowledge it is not my debt/I am not responsible. XXXX XXXX 's knows this.
Product: Credit reporting

I have a judgment showing as open that should be showing paid. Student loans showing Open that should be showing paid. There are a lot of inaccuracies on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Transunion and XXXX  on several occasions about a creditor I have no affiliation with. XXXX XXXX XXXX XXXX has no legal authority or affiliation with me. I have tried on a number of attempts for them to remove the reporting. They are knowingly hurting my credit standing. They knowingly will not even report any information. I have submitted cancelled checks proving payments. I have provided my court ordered child support documents from the state of Georgia. The Georgia  court orders me to directly pay XXXX, my ex spouse directly. I have complied for over 10 years. 

I respectfully request these credit agencies remove this creditor immediately. It is very sad a Government department can abuse their power and authority and knowingly cause harm to an individual from another state that has absolutely no obligation to work with them. XXXX