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

I'm a victim of identity theft. I recently learned that my nonpublic personal information is being shared and furnished with different institutions and nancial institutions without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, Experian and XXXX by way of XXXX institutions without full disclosure and without my written consent, unknowingly and unwillfully against my knowledge, and therefore request these accounts be removed immediately. In accordingly in pursuance of XXXX USC 1681 Permissible Purpose of Consumer and 15 USC 6801 protection of nonpublic personal information. This is identity theft. Pursuant FCRA 603 ( c ) Financial Institutions must notify consumers in writing to CRA Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I, XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 
UXXXX 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 reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late 1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.
Product: Credit reporting

I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.
Product: Mortgage

Entered Motion to Open Default Judgment on XX/XX/21 in court of common pleas and Judge still has not opened or viewed case discrepancies, complaint and continues to allow unlawful illegal and severe misrepresentation on behalf of the counsel hired by XXXX. There is no legal assignment of mortgage to Deutsche Bank National Trust Company ever received per the FDCPA, FCRA, RESPA and other state and federal laws stipulate. Case needs to be reviewed by another judge other than Judge XXXX XXXX as this judge is very biased and refuses to apply legal laws that protects homeowners and citizens in the commonwealth of Pennsylvania.
Product: Credit reporting or other personal consumer reports

They have not verified my information and by law Im am not obligated to pay anything to Genesis Credit Management
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX... I have previously disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2017 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I need your help regarding this incorrect account appearing on my credit report. The issue has damaged my standing, and I depend on your assistance. Due to your mishandling, my reputation has suffered. These inaccuracies must be removed from my credit report immediately.
Product: Mortgage

I would like to file a complaint against Intercontinental Capital Group for misleading refinance solicitations. I received the attached letter from the company. While a consumer wouldn't know it from the letter, all it is is a roundabout way to try to get me to refinance my home loan. 

There are no XXXX  enhancements that I could benefit from. No where in the letter is the word refinance mentioned and that is all they are offering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In early XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my credit report.
Product: Checking or savings account

On or around XX/XX/XXXX or XXXX, XXXX, Chase Bank initiated the unilateral closure of my account, a decision met with scant information despite my XXXX pursuit of elucidation. Acknowledging the contentious nature of our past interactions, I concur that terminating our financial association is a prudent decision. 

Engaging in further discourse with the bank 's representatives, documented through recorded conversations, led to the understanding that obtaining a cashier 's check at any branch on Saturday, XX/XX/XXXX, would be a seamless process. However, upon my visit, it became apparent that this resolution hinged on the necessity of closing all active claims, a path I'm reluctant to pursue without compromising my integrity. 

While I'm willing to leave funds available for ongoing investigations, my concern is rooted in the observed trend of extended delays and unresolved financial matters for patrons, raising doubts about the expeditious retrieval of funds, if at all achievable. 

The closure of my Chase Bank account has not only cast a shadow on my personal financial landscape but has also wrought considerable hardships for numerous individuals who, like me, rely on the timely access to their funds. This abrupt disruption has created a ripple effect, causing tangible setbacks in the lives of many. 

The repercussions extend beyond my immediate circumstances, reverberating through the lives of others who are dependent on the funds entangled in this bureaucratic quagmire. The protracted delays and uncertainties surrounding the retrieval of funds have introduced an unwarranted layer of stress and financial instability, affecting not only my well-being but also that of countless others who find themselves ensnared in this disconcerting predicament. 

As we collectively navigate the labyrinthine processes imposed by the bank, the toll on our daily lives becomes increasingly palpable. The detrimental impact transcends the individual, highlighting systemic issues that warrant attention and resolution to alleviate the burden borne not just by myself but by a community of individuals grappling with the ramifications of this unforeseen and unjust closure.
Product: Student loan

On XX/XX/2021 I received a call from a woman who called herself XXXX XXXX. She had all of my personal information including my social security number. She said she worked for Summit Horizon and they were going to help me consolidate my student loans. I did not give her any information however she already had my date of birth, social security number and drivers license number. The number she asked me to contact to speak with her is ( XXXX ) XXXX extension XXXX but she called me from ( XXXX ) XXXX. I am concerned that she already had all of my information and that she was able to log into my federal online portal with her own password. I have changed my studentaid.gov password but would like to know if this is a scam and what I should do from here?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX, and account # XXXX from 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXXXX/XX/XXXX / XXXX 2. XXXXXX/XX/XXXXXXXX 3.XX/XX/XXXX / XXXX 4. XXXX XX/XX/XXXX / XXXX* 5.XXXX XX/XX/XXXX/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is going to Transunion Credit Bureau, I have sent you dispute for this issue numerous times, but looks like you completely disregard it. 
I'm not using any third party for this matter that you been tried accuse me with. 
ONLY YOU BUREAU HAS REPORTED THIS ACCOUNT ON MY REPORT, HOW TWO OHERS BUREAU REMOVED THIS FRADULENT ACCOUNT AND YOU KEEP SAYING It HAS BEEN VERIFIED???? HOW IT IS POSSIBLE IF YOU SEND MY DISPUTE TO THE SAME MERCHANT/CREDITOR LIKE TW OTHERS BUREAU ? ?? 
All that means YOU DID '' XXXX DO ANY FAIR INVESTIGATION. 
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
I'm sending this dispute to the Attorney General as well, so I'm exploring ALL MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute with XXXX, but the company Exeter LLC mailed me that I owed {$9100.00} which on the phone I was told by a sales representative that I owed {$8400.00}. Im contacting the Consumer Finance being that its incorrect information on my credit report. Along, with me never even having knowledge that there was a car under my name until it was completely totaled being that someone used my information to obtain this car. Id hopefully like to get this issue resolved without having to seek out an attorney, but Im filing a complaint for this reason.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was an unusual activity from my Wise account. I received an email reporting a login from XXXX wich I tried to report without any result ( Wise telefones were wrong, the " not recognizing operation '' button didn't work and took about 15 min to find a way to communicate with them ). Then in the next 10 minutes I received notifications of 3 money withdrawal forms mi Wise Euro balance to GBP : XXXX XXXX - XXXX GBP ). Then a money withdrawal from my XXXX XXXX XXXX account. Only in that moment Wise suspend my account and I could reach to talk to them. 
Clearly my account was hacked. I clearly told them what happened and gave them all the documentation they asked to prove it. Today Wise respond that they will not recognize anything although they know it wasn't me. Even XXXX XXXX  XXXX could proved that my account was hacked and made a refund, but Wise took from me all my money without any guarantee. It was an entire year of work lost on the garbage.

This kind of services should not be permitted in US. They offer something they don't give, they're irresponsible, insecure and thieves.
Product: Credit reporting 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 Balance Owed : {$130000.00}
Product: Checking or savings account

my monthly deposited social security was stolen and a fraudulent account at a bank was created using my information I use the XXXX XXXX card social security offers and likely they caused the breach. social security must get back {$1400.00} from this fraudulent t activity. social security paid me {$1400.00} on XX/XX/XXXX, XXXX my check should have been deposited XX/XX/year>XXXX XXXX
Product: Debt collection

hello-they are constantly calling me and harrassing me they text me and leave messages everyday. even on Sundays. i have received calls at my work from them on XX/XX/year> at XXXX and when i told them to not call me at work the lady i spoke with was very rude and inappropriate on how i owed money and i need to pay my bills very rude! And someone called and the same day XX/XX/year> at XXXX from the same company and was very rude to my coworker stating that they needed to talk to me right now and my coworker was telling them that i was busy with someone and she was trying to take a messeage but he was so rude to her saying he needed to speak to me now and he did not want to be put on hold. my coworker explained that when i was available that i would be with him and still was very rude to her. the copy is called comenity bank their number is XXXX they keep threating me over text messages everyday. they are stating i owe {$1700.00} and they keep reporting to my credit report and it's causeing hardship to everything in my life. i have resently gone through tramatic health conditions that i feel like this harressment has added to the stress of my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been difficult for me to deal with, and I am quite frankly fed up with this head game. The last report i had sent in was regarding them stealing from my bank debit card which prompted the bank to close it down, this has happened before with an encounter on XXXX, the problem with these web sites and others out there is they do not keep an eye out, its all done with " system reliance '' its easy to blame a machine however its a human that causes it. Anyhow as regards to that I removed membership as Experian continues to botch things up and has more excuses than a child that lies to avoid being caught/ This problem now is with the closing of 2 credit card accounts through XXXX Bank XXXX one was closed months ago and was immediately stated as CLOSED with a XXXX balance, the 2nd one was closed in 3rd week of XXXX, its now the 2nd week of XXXX, and i was told the report would read closed by XX/XX/2022 - Well here 's the kicker ; XXXX and XXXX XXXX Both I REPEAT BOTH! have listed XXXX Bank accounts CLOSED and XXXX BALANCE, but Experian wants to act out like a XXXX kid throwing a tantrum. 
If there was a way to eliminate them from my life i certainly would seize the opportunity, all they have done is create problems over and over, one lie after another. And i have had enough!
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 XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 card or prepaid card

I received what i believe to be a fraudulent extraction of funds from citizens who may be receiving funds from the future California tax relief program. They appear to be acting as part of the state program, but they are clearly NOT. The verbage is intentionally confusing, misleading and an attempt at fraud. They will pull the funds from the state on behalf of residents that are owed, earn interest and most likely charge a fee.
Product: Money transfer, virtual currency, or money service

I am trying to open an account with Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unauthorized inquiries i did not consent to or authorize. I filed a dispute with Equifax to no avail. I will attach a copy of my filed identity theft report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

Please see attached notarized document XXXX and other relevant supporting documents.
Product: Credit reporting or other personal consumer reports

Woke up this morning. It my equifax report dropping over XXXX points, saying that I owe money to my credit card companies when I dont I have XXXX balance on al of my credit cards
Product: Credit card or prepaid card

I applied for a XXXX XXXX card when buying a plane ticket, the ticket price was not applied to the card. When i received the card, the plane ticket had already been cancelled and refunded. I did not activate the card. Later i received a notice about fees and past due account. I called. They said would be fixed and dont worry about it. I continued to receive past due notices. I have called them now 5 times, each time being told, don't worry, disregard, etc. Nevertheless they continue to send me past due notices so evidently it is not fixed. Leaves me no choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my report are not mine. Also some personal information on my credit report is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XX/XX/XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Vehicle loan or lease

In XXXXXXXX XXXX XXXX I refinanced my vehicle loan with XXXX and paid Hyundai Motor Finance once and in entirety my payoff amount. Information was sent to HMF to transfer my title over to XXXX. I became aware HMF had abandoned this duty after being penalized with a rate of 18 % by XXXX because they were never listed as the new lien holder. Over the course of a year calling HMF they were completely uninterested in holding up their end of the agreement or providing any information as to what happened. This company treats outgoing customers unfairly and engaged in immoral business practices by abandoning their obligations as soon as they received full payment from me. Theyve left me frustrated, financially hurt, and confused.