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

XXXX XXXX, Social # XXXX : Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX Account # XXXX Credit Card {$820.00XXXX XXXX XXXX Account # XXXX Credit Card {$540.00} XXXX XXXX XXXX Account XXXX XXXX Credit Card {$360.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX {$1000.00} XXXX XXXX XXXX Account XXXX XXXX Credit Card {$5700.00XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX {$0.00XXXX XXXX XXXX  Account # XXXX {$0.00} XXXX XXXX XXXX Account # XXXX {$600.00} XXXX XXXX Account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is the third time I have filed a complaint with Transunion. I have asked TWO times for them to verify the accuracy of this account in accordance to my fair credit reporting rights and they have NOT done so. They fave failed to report accurate and true information and I DEMAND the removal of this account. It is physically impossible for an account to report as " OK '' and next month report as 60 days delinquent. I will retain counsel and file suit in court if this account is not deleted for them violating my rights. 

XXXX XXXX XXXX XXXX XXXX  Account number XXXX Opened XX/XX/2020 {$7900.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i was scammed and had money stolen from my cashapp account, the man took my phone out of my hand and sent himself {$2000.00} through cashapp using my phone, i have filed a police report and reached out to cashapp but they denied my request. I have attached a copy of the officer and police report case number.
Product: Checking or savings account

I overdrafted my account on Tuesday, XX/XX/XXXX. I was in succession, charged five additional times for overdrafts. I reached out the Chase on Thursday, XX/XX/XXXX that I was just made aware of the overdrafts and that I would have additional monies available in the account by XXXX on XX/XX/XXXX. During that transaction, Chase refunded THREE of the five overdraft fees. The account specialist then gave me information to return and call tomorrow XX/XX/XXXX to have the remaining two overdrafts taken care of. When I called on XX/XX/XXXX, at XXXX to have the additional charges removed, I was stonewalled and a special policy was given as a reason for not being able to remove the additional charges. The representative told me that only three could be removed in a twelve month period. This is patently false, as prescribed by another representative.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX  -- {$0.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

USAA bank refuses to cancel my account. They will not talk to me. They have locked the account and submit bills to the account for payment. I do not want to pay for insurance I do not want nor need. They charge me for the phony bills. USAA insurance will not talk to me and will not cancel my insurance. What I want is for USAA to cancel my insurance and cancel my USAA creditcard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief and I explained to TransUnion that there was a problem with my credit report reflecting proper updates. I told them that I wanted to monitor my report closely, so that I would not experience any further fraud. So I added a fraud alert to my credit report and it still does not reflect. Either it was never done or as I previously complained about, my credit report is not reflecting proper updates.
Product: Credit reporting or other personal consumer reports

I've disputed this so many times. I put a fraud report on my account and trnsunion still put it on my account. I have filed a poice report and still nothing has been done. This has personaly ruined my life and the next step will be going full fource with lawsuit. Numous times have sent me a letter saying they dont even have a report on me in-between all of my desiputes And every time i have told them to send all the information how tjey got the info they send nothing. I have kept everything peice of paper they have ever sent. There are laws for this reason and Transunion has broke the law about XXXX times since this has started. These accounts will be deleted ASAP. I will once again provide all information in the attachments. 
And the police report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are not mine and are reported incorrectly on my credit report
Product: Consumer Loan

i purchased a vehicle from a buy here, and my loan was sent to Mid-Atlantic. and apparently in the loan agreement I could n't have a bad payment within the first 90 days or I would terminate my loan. needless to say life happened and my account was XXXX dollars short so my bank returned payment. the next couple of days the dealership calls and says do n't make a payment with them they are going to take back the car for the bad payment. he then goes to say with the next couple of days they are making me buy back the car. so I am out of XXXX dollars so I need my car back unless you can bring me the car. does n't sound right so I call the finance company and they first say yes the dealerdid buy back the car make the payments with them. I call again and another manager says no your account is active and you still should pay us. but if the buyback is in process you would then have to talk to dealer about the payments. I let the finance company know that I traded a 2006 truck for the 2006 Honda civic and what happens to my trade inif my deal is no longer any good. she goes well its up to the dealership if they give you back the trade in or not. and I feel as if I am being ripped off. here. because I also paid my tax tag and title up front to the dealership.
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 XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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: Vehicle loan or lease

I purchased a vehicle through XXXX XXXX under the finance company of JP Morgan Chase Bank and when I went to XXXX XXXX to start auto payments I was redirected to Chase Bank to set up the account. I set up a password and user ID. Now, I have been locked out of the account and am unable to view any withdrawals. I have tried to contact Chase Bank with no response. When I try to change my password I am told that my account is not valid. I have talked with general management with XXXX XXXX and am told that there is nothing they can do, I have to talk to chase. Chase is withdrawing money from my account but it is not being applied to my car note.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to provide me with validation of the below accounts made pursuant to the fair debt collection practices act and fair credit reporting act, along with the corresponding state laws. 

I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Please be aware that any negative remark found On my credit reports ( Experian ) from your company or any company that you represent, for a debt that I do not owe is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, uou must request that all credit reporting agencies delete the entry.
Product: Debt collection

This debt is incorrect. The car was returned to company after being found after reported stolen. The insurance company coveted all losses. Santander was then sued for falsifying customers loan papers to get them approved with higher interest rates and higher payments to purchase vehicles. This car resulted in a profit write off and loss. But Santander still has this account showing open and late payments of the in correct amounts and I don't have the car. They received their car back and resold it. Santander is still attempting to do fraudulent activities even after being in a class action lawsuit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and Equifax. 

Please delete the following accounts : XXXX XXXX XXXX Account Number : XXXX Balance : {$14000.00} XXXX XXXX Account Number : XXXX Balance : {$99.00}
Product: Mortgage

I closed on a loan for a condo, XXXX/XXXX/15. A condition of closing was that flood insurance be in place. The loan was underwritten with inadequate coverage and it was 6 months, before I was notified. The letter provided, at that time, was not clear about the reason forced placed flood coverage would be implemented. When I finally got to the bottom of the issue no one could tell me why the loan was processed if all conditions had not been met. Furthermore, I have requested a written notice of exactly how much flood insurance is needed, but have received no response. The lender has not been able to explain why it took 6 months for their error to be discovered. After getting the run around from a customer service representative and hung up on, by her supervisor, I spoke with someone who stated an investigation would be started with both the Underwriting and Service depts. I was advised I would receive a follow up call from the head of the Service dept. This was over 3 weeks ago. To date, I have not received any communication from XXXX XXXX, XXXX Supreme Lending and their error has caused a {$1200.00}, annual, increase in my escrow payment.
Product: Credit card

I resided in Wisconsin until XX/XX/XXXX, where I held a monthly car wash subscription ( XXXX 'XXXX XXXX XXXX ) billed to my Capital One Credit Card ending in XXXX. Upon relocating to XXXX, GA on XX/XX/XXXX, I took proactive steps by canceling the subscription in person with XXXX 's, which does not operate in the state of Georgia. 

The subscription started at {$22.00} and increased to {$26.00}. Despite canceling in person and disputing unauthorized charges with XXXX 's in XXXX and XX/XX/XXXX, their response was to direct me to dispute the charges with my credit card company. Consequently, I lodged disputes with Capital One for charges in XXXX, XXXX, and XX/XX/XXXX, resulting in resolved disputes and credited amounts to my account. 

Surprisingly, subsequent disputes were handled differently, with some closed and initial credits reversed, while others were denied citing the age of the dispute. I am perplexed by the inconsistency in the resolution process, given the identical circumstances. The charges only ceased when I acquired a new card. 

Regrettably, Capital One did not satisfactorily resolve this matter, prompting my request for an investigation by the Consumer Financial Protection Bureau ( CFPB ). I believe I am due credits for the disputed charges, and I seek a fair and comprehensive resolution to this ongoing issue.
Product: Student loan

When I got out of the Military in 2004 I wanted to go to college and I was not aware nor did the college tell me about my Military benigits that I was entitled to, like my GI bill and Post XXXX bill. Instead they pushed me towards private student loans. Almost line they were getting kick back from the companies to steer students to get loans. I did not know my loans were private student loans until years later when I applied for a law enforcement forgiveness program through the Department of Education and they told me I did not qualify because my loan is a private loan. Also. Sallie Mae originally had my loan and sold it to Navient. I borrowed {$25000.00} in 2004 and I pay {$330.00} a month and still owe {$28000.00}, more then what I borrowed. Also, neither company explained if I did forbearance that it would keep adding money to my loan, and they never got permission from my mother the co-signer of my loan to do forbearances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue with Equifaxfor several months. Equifax to violate the Fair Credit Reporting Act by reporting a bankruptcy on my credit report after they have failed to provide 100 % accurate verification. Equifax has not provided who or what means of verification they received to continue to report this inaccurate information to my credit file. I spoke with the local courthouse and they informed me through letter that they did not report any information to consumer reporting agencies. This inaccurate reporting is causing a major hurdle to my current financial well being and I would like this matter resolved promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  : I have accounts with them and on XX/XX/24 I requested the 1099c for the charge off account and I received copies of my account statements. And this message is what is on my credit and showing I owe a balance. 

Account was in dispute- now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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
Product: Prepaid card

I attempted to place an online order on XX/XX/year>, but encountered an issue with my card information. I visited the XXXX website to validate my card or log in but was unsuccessful. When I attempted to swipe the card, it did not work. Contacting customer service did not provide an option to speak with a representative. I am hopeful that someone can resolve this matter as I have XXXX cards with substantial amounts of money on them, and it would be unfortunate to abandon them.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$580.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$580.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX 2026
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX illegally obtained my personal information, to report inaccurate information. They are not the original creditor. 

XXXX XXXX XXXX failed and neglected to obtain original documentation to accurately report this claim. 

Experian including XXXX is also liable and guilty for claiming to legally verify this account information. 


This account is being reported as a collection account but the status remains active/open. 
This account open date and status update can not be the same. 

XXXX XXXX XXXX has re aged this account showing to be opened in XXXX when in fact the account was opened in XXXX. This is fraud I will be filing a complaint with the attorney general, this is against FCRA and other rights of the consumer. 


XXXX XXXX - delete account
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$170.00}
Product: Checking or savings account

Although Citi has now lifted the security hold on my account, they are still fraudulently holding my funds without my permission. Ive made multiple attempts to wire the balance in my checking account to my other account with XXXX. They claim that they can not complete the wire because they have to call me to confirm the wiring instructions, but their automated dialing system cant call my number because its not associated with a public record. This makes XXXX sense. They were happy to take my money but are now refusing to release it. They are in violation of XXXX. I am closing on my new home on XX/XX/XXXX and am in jeopardy of losing my new house and {$5000.00} in XXXX money if they dont complete the wire that Ive instructed them to. Id love to do a simple transfer instead, but they only allow XXXX in transfers every 30 days and this transaction is over XXXX. I spent hours on the phone again yesterday and today trying to get this resolved. They wont accept my authorization over the phone and insist they have to call me to verify the wire, even though they know full well that their system cant make the outbound call. They refuse to manually dial my number like a reasonable human would do in this scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** _XXXX  XXXX XXXX XXXX , OH XXXX _XXXX  XXXX XXXX XXXX, OH XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX TUNKHANNOCK, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, I just have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine. Delete it!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bank of america account keeps showing as late on my report and that is incorrect. this account has been holding me back financially for some time and this is the last straw. i have no consented to this when i was opened and it was not in around for years. I demand a viable resolution.