23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

USAA allowed an unauthorized withdrawal from my account to XXXX XXXX of {$1300.00} on XX/XX/year>. I never authorized this
Product: Mortgage

XXXX XXXX whos home address is XXXX XXXX XXXX XXXX, Il XXXX just recently closed on a property on XXXX XXXX XXXX XXXX Il XXXX. She used fake check stubs, used ppp funds that she transferred into a savings account to close and got an owner occupied loan and IS NOT living in the property it is and was from the beginning occupied and she is collecting rent via cash, XXXX and other methods to conceal the fraud. FHA and loan depot who facilitated the loan was notified to no avail.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX DEPARTMENT XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXX Acct # 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: Checking or savings account

In XXXX of XXXX I tried to open an account with discover bank. I downloaded the app on XX/XX/XXXX and recieved a message that just said no due to security freeze. It did not state why or provide details on how to review the decline. I don't have a security freeze on any of the three credit companies nor at XXXX XXXX XXXX. 
The online site stated that due to safety concerns they would not open the account. 
I have tried numerous times and yet it still will not function or let me open an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX. XXXX  # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXX XXXX XXXX # XXXX account is listed erroneously.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 any 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 : {$20000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$73.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

-- XXXX XXXX 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The account was part of my XXXX XXXX and is not removed ; still showing that I owe them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXX/XX/year> Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX and Equifax 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 the following : 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 The fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the XXXX 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

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XX/XX/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 reporting, credit repair services, or other personal consumer reports

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -TRANSUNION XXXX
Product: Checking or savings account

On XX/XX/XXXX, Navy Federal restricted all of my debit cards and state it is for a year. They did not inform me of this restriction. When I contacted them they state it is because of fraud claims. I have had three claims and they state I have had 5. One claim was due to their negligence in including the charge in the previous claim. They state there is a limit but this information is nowhere to be found. They have in their agreement a XXXX tolerance for fraud and to use your debit card freely without worry and charges would be covered. My information was stolen and I reported it. Also, I am a XXXX woman who can not always go into the bank to withdraw cash and I rely solely on the use of my card to buy groceries, buy my kids clothing and pay my bills. They are denying me access to my funds with my card and they do not offer checks. Furthermore, I spoke with an account specialist who stated that cards get stolen if entered into XXXX XXXX but they send you the card information prior to you receiving it in the mail and say to enter it into XXXX XXXX. She stated it was my responsibility to not so such but they email you and tell you to. I attempted to open another account at Chase Bank and set up to transfer my funds to them so I could have access and they denied my transfer and stated that they would not allow any transfer to that account. I have funds in my account and I am also on my sons, husbands and mothers accounts there and none are in bad standing. My husband has been XXXX XXXX for over 17 years and had an account there and I have had one since XXXX. I followed their instructions in reporting when someone stole my information and I am punished for such and not permitted to have a card or transfer my money out of the account. As I stated I am XXXX and have been since XXXX and can not go into a branch just to get access to my funds and they are denying me my rights and will not give me the proof I asked for. This has caused me added stress and now am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They have treated me terribly and like a criminal when I did nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and my information was also released in multiple breaches. I also was a victim of the XXXX  Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So XXXX  is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against XXXX. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with TransUnion and XXXX. With XXXX  acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.
Product: Debt collection

In XX/XX/XXXX, I applied for a mortgage loan. I was alerted by the lender that I had a collection on my credit report for {$4400.00}, which was opened on XX/XX/XXXX ( ironically my birth day and month ). I contacted the original loan company XXXX, and advised them that this debt was not mine, and they indicated that they had no debt found with the information that I provided. I have not been contacted by the collection agency, XXXX XXXX XXXX I have also filed an FTC packet. This error has NOT been removed from my credit report to this date.
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to XXXX days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX asked Equifax on XXXX occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting

Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX almost XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. now that Im an adult I was turned down for credit because of a utility bill that was put on my report back then before I was XXXX. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and dont sell XXXX or anything like that my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) 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.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.