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

My name is XXXX XXXX, Around XXXX of 2022 I discovered a number of accounts on my credit report that turned out to be fraud and were opened online and in person in several banks/credit unions and department stores without my knowledge causing my credit rating to sink. I started to contact all institutions one by one and submitting documents to explain the situation including police and identity theft reports from government agencies. Most fraud departments were very helpful and resolved the matter within 30 days. I am now in the 9th month with a number of complaints in writing and by phone/messages with XXXX XXXX XXXX XXXX XXXX XXXX ) without any results. This credit union does not take calls to their fraud department so the messages I've left have had no response whatsoever, the letters and emails have had no response. After 8 months of trying-I finally got a hold of a representative that offered to check the status of my case and told me that my claim for identity theft was denied and the accounts were confirmed to be accurate because of matching email and phone numbers and other personal information..Now I'm no expert, but if my information was utilized by a thief it is obvious that the same information is going to be used to open whatever accounts the suspects were looking to establish. My emails and physical mail, etc.. were in fact compromised hence how identity theft occurred... In conclusion I am asking for help, since I wasn't able to resolve the matter with this banks own fraud department and found many levels of incompetence, malpractice, and negligence. If anyone knows what its like to go through the mere fact of trying to clear things with a financial institutions and then 8 months later being told the case is denied because information is matching with that of my own should understand that this department needs new staff and/or is mismanaged.. I will make further reports of this experience to all other agencies registered with state and government and will seek legal counsel if it isn't resolved.
Product: Bank account or service

I am a XXXX in XXXX who has been banking with Bank of America since 2008 and found out today that they have been applying various 'maintenance ' fees on my account ( I think totalling more than {$200.00} ) that I was not alerted to. I believe they did not meet the minimum disclosure requirements of consumer protection regulation, and the maintenance fees is just another version of the overdraft fees that were clamped down on by the Dodd-Frank Act. They have repeatedly changed their fee structure across the years, and it is hard to keep track of how to avoid paying all these fees, especially if they are not your primary bank. I will be closing my accounts as soon as I can get my dispute with them settled ( I have opened a ticket ). However, I would like to know just how I can alert other consumers as to the unfair practices of Bank of America ( especially college students in small XXXX colleges who sign up for their free checking accounts without knowing of the future fees they will have to navigate ) as well as keeping track of Bank of America 's compliance with consumer protection regulation and other banking regulation such as SEC filings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to EQUIFAX, XXXX, XXXX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for unfair credit reporting, which has led to significant financial harm. I am a victim of identity theft, and despite submitting proof to Experian, they have failed to fully correct the inaccurate reporting of accounts associated with this theft. Additionally, I was denied credit multiple times due to these errors, and my ability to access or view my credit report has been severely affected. 

1. Identity Theft and Inaccurate Reporting : I have been a victim of identity theft since XXXX, as documented by my FTC report and police report. Experian has received these reports and was aware of the fraudulent accounts in my name. 
Despite this, Experian continued to inaccurately report fraudulent accounts and remove my correct address from my credit report, making it impossible for me to access or view my report. 
These fraudulent accounts, associated with addresses that did not match mine, should have been blocked in accordance with my rights as a victim of identity theft. Instead, they remained on my credit report for an extended period, leading to incorrect account reporting and subsequent denial of credit. 
2. Damages Caused by Denials : I was denied credit by multiple financial institutions, including XXXX, XXXX, XXXX, and XXXX XXXX XXXXXXXX. These denials were based on inaccurate information on my credit report, including high balances and derogatory accounts tied to the fraudulent information. 
These denials have caused significant financial damage by preventing me from accessing credit and harming my credit score. These denials were caused by the inaccurate reporting of accounts associated with identity theft. 
3. Experian 's Failure to Correct the Inaccuracies : I have disputed these accounts multiple times, and while some are finally being removed, the inaccuracies in reporting have already had a damaging impact on my ability to secure credit. 
Additionally, Experian removed my address from my credit report, making it impossible for me to access or view it, further preventing me from managing my credit. This removal occurred even though Experian had received my FTC and police reports from XXXX, and I had to upload the same documents again to prompt them to take action. 

Evidence of Errors : FTC and police reports from XXXX documenting my identity theft. 
Dispute results and evidence showing the removal of accounts like XXXX, XXXX, and XXXX XXXX. 
Denial letters from XXXX, XXXX, XXXX, and XXXX XXXX XXXXXXXX outlining the reasons for credit denials based on inaccurate credit information. 
Please let me know if any further information is needed. I am requesting urgent resolution to prevent further financial damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and Experian. I have also reached out to creditors that have assumed the debt and have had no help getting my credit report to display the accurate information. There are names, addresses and open/ closed accounts that are being report inaccurately across all three agencies. I have reached out to each one, requesting validations and original information about alleged accounts, and none have acted in correcting this error. XXXX : is reporting addresses that the other two agencies are not. Incorrect Addresses : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are Inconsistencies amongst all three reports with different reporting 's for closed and charged off accounts that have not been validated or provided with the original purchasing agreement. Accounts have been listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; Amount Reported {$540.00} All of these inconsistencies are not only a violation to my METRO 2 protocol rights, but the inaccurate reporting of these accounts have violated my listed USC codes. Section 604 15 U.S. Code 1681b Section 605A 15 U.S. Code 1681c1 Section 605B 15 U.S. Code 1681c2 Along with other violations of Fair Debt Reporting Practices : 15 U.S.C. 1692-1692p 15 U.S.C. 1681-1681x
Product: Credit reporting, credit repair services, or other personal consumer reports

Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.
Product: Debt collection

TODAY i was contacted by XXXX that my credit was down XXXX points! I reached out to them and fount that an account from Transworld System inc/XXXX was attempting to collect from me three account that I had previously proven was fruad from three energy companies. 
XXXX XXXX  XXXX for {$290.00}, XXXXXXXX XXXX  XXXX {$600.00} and XXXXXXXX XXXX XXXX {$240.00}. 
I reported to XXXX this was fraud and I needed it removed off my record and sponged off my credit history. I have also contacted the police and told them of the identity Theft.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since 2013. I have tried to get my credit cleaned up but it has been a difficult journey. Please remove the accounts that are fraudulent.
Product: Credit card

Restore my dispute page/Do not lock me out/Respond to mysecure messages/Refund me all those late fees and reversal payment fees and stop controlling how I make my payments.
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 immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. 
Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

The account I C SYSTEM XXXX with Balance {$190.00} is reporting fraudulently on my Credit Report. I was a victim of Identity Theft and I never received any benefits resulting from the theft of my identity. I believe this account is the result of such crime since I never remember signing any documentation that ties me with company. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. I need this account to stop theri fraudulent reporting.
Product: Credit reporting or other personal consumer reports

The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, All Accounts listed above have violated my rights according to law 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did NOT grant XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Product: Credit reporting, credit repair services, 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, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX 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 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: Credit card or prepaid card

The hassle is all across the selections. Ive been on the phone with paypal today alone for 5 calls and theyve been giggling on the phone so i suspect employee tampering... 
I REPEATEDLY have added my new number only for it to vanish or be reoeatedly prompted by the site/app to add it. When i do, it takes, UNTIL needed for verification then suddenly its gone and it refuses the number when prompted for re-entering it manually. I get emails that my account was successfully unlocked, only to try logging in and gettig the above scenario, or some other endless round of security which i pass, but am still locked out. 
Same when i call. For WEEKS. 
I pass the security checks, AND AM TOLD ITS UNLOCKED only to Still be locked out. 
This evening, I finally gained access, only to find that my balance seems locked. It wont even let me use my balance for PRODUCTS AND SERVICES IN THEIR APP!! I CANT TRANSFER MONEY VIA **ANY** OF THEIR *MANY* TRANSFER OPTIONS AND CALLING CUSTOMER SERVICE IS JUST MORE PASSED SECURITY CHECKS, AND BEING TOLD ITS FIXED WHEN ITS NOT. 
The cs agents REFUSE to connect me to a supervisor and i wasnt even able to close the account. 
This clown TellS me " please hold while i write your check ''. 
As if the cs agents are actually in there writing out checks for remaining balances... 
Needless to say it didnt take long to realize he wasnt returning. Or was going to Drag it out till i got annoyed and gave up. 
I want my balance usable so i can empty it and let the account die. Im out of weeks/days/hours to sit on the phone getting the runaround from their staff who laugh it up and seem to continue to trigger new lockouts and fund freezes, unauthorized phone number changes and removals, etc. I DO NOT buy that ALL OF THIS NONSENSE IS SOME ENDLESS " GLITCH ''. PLEASE HELP!!
Product: Money transfer, virtual currency, or money service

XXXX XXXX XX/XX/year> I received a text that appeared to be from the XXXX. It claimed I owed {$9.00} on a package. Since I coincidentally had an outstanding package, I clicked the link and attempted a few times to pay. I repeatedly got an error message that the card was not working. After the third attempt, I searched the XXXX website directly and found the page I was on to be similar, but not exact. I knew then it was a scam. I never received a confirmation or receipt, so I figured I was in the clear. On XX/XX/year> I saw in my XXXX XXXX account that there were XXXX {$9.00} international transactions fees and XXXX {$300.00} transfers to Revolut in XXXX. I certainly did not approve or authorize those transactions. I contacted XXXX XXXX and the claim was denied. I have requested the paperwork on that decision. Revolut will not work with me unless I have a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DEALERSHIP - CHECKED MY CREDIT WITHOUT MY FULL KNOWLEDGE OR CONSENT. I CAME TO PURCHASE A VEHICLE AND ALREADY HAD AN AUTO LOAN APPROVAL FROM MY PERSONAL CREDIT UNION BANK SO THERE WAS NO NEED FOR THEM TO RUN MY CREDIT REPORT. THEY ALERADY KNEW ABOUT MY CREDIT UNION APPROVAL IN THE BEGINNING STAGES. I EXPRESSED TO THEM THAT I DO NOT NEED MY CREDIT REPORT CHECKED. FINANCE REP TALKED TO MY BANK AND CONFIRMED MY APPROVAL. 
2 INQUIRY 'S 1. XXXXXXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several companies reporting as inquiries that I did not apply for.
Product: Mortgage

Dear XXXX, In the last 9 years, my husband and I have tried to get a home modification loan on XXXX separate occasions. The first time was in 2011 when I was unemployed. At that time we were going on XXXX late payments and the loan servicing company ( IndyMac ) sent an intent to foreclose letter. We took out a loan via a family member to avoid foreclosure because I researched that other IndyMac customers had experienced that IndyMac would foreclose immediately and would never try to assist but hold up the loan modification paperwork. They had already sent someone to take pictures of our home so we knew it was only a matter of time before they would continue to the next step in the foreclosure process. 
Currently, Ocwen is servicing the loan and again we applied for a loan modification but was denied. However, Ocwen recommended a short sale. We were informed that we were not delinquent although we communicated in an affidavit hardship letter what our fixed incomes would be when we retire and they continued to ask for more and more paperwork. We were trying to prevent a foreclosure or short sale so we were hoping they would refinance. 
To date, we have invested XXXX of dollars in our home so we would like to keep our home as now our payments would be going more toward the principle and eventually we would be able to sell our home to at least break even and not damage our credit score. I find it extremely difficult to believe that there are no other options for individuals who could not obtain FHA loans before the housing market plummeted and were literally forced into high interest jumbo loans via XXXX and XXXX conventional/equity loans respectively. We are unable to refinance homes that are significantly under water yet the loan servicing companies have collected XXXX just in interest alone but encourage foreclose or short sale as only options, yet we have decent payment histories. 
What are the options for individuals who are already living pay check to pay check because of these high interest jumbo loans on properties that are significantly underwater through no fault of their own? To continue to pay a loan for a home with a significantly diminished value or risk foreclosure or short sale and the home is resold to someone else for XXXX of your loan amount are all horrible options. We would appreciate your advisement and assistance to seek a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Score Decrease Your FICO Score has decreased by 3 points. 

Today Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Today What happened? 
XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX XXXX XXXX XXXX What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes Experian Credit Monitoring & Alerts.

What is Experian Credit Monitoring & Alerts? 

Close I did not apply for, nor have I ever applied for a XXXX XXXX account of any kind ( credit or otherwise ), ever! 

Dr. XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.