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

On XX/XX/year>, I began a dispute with Experian about a XXXX account that I did not authorize to be opened which was sent to collections. I did not learn about this account until it showed up on my credit report. I have filed an FTC report and a police report, and I have filed a claim with XXXX 's fraud department who have since sent me a letter confirming that I am not responsible for the account, that it was opened fraudulently. Experian has continued to close my disputes and argue that I am responsible for the account and that it will remain on my credit score, despite representatives of the fraud department repeatedly confirming that it should be removed. Today ( XX/XX/year> ) an agent informed me that they had reportedly been told by XXXX that the account was my responsiblity, but when I contacted XXXX again, they reconfirmed that this is not true. Today again I received an update that my dispute was closed again because an agent determined that : " your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. '' They will not help me or fix my credit despite every other organization I have contacted confirming that this is a result of me being the victim of identity theft.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries. I have several credit inquiries that I did not authorize or do myself I would like those on authorize inquiries, removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 These hard inquiries were not authorized by me and I would like to remove my credit report. Can you please remove them and send me an updated report within 30 days thank you.
Product: Credit card or prepaid card

This is absolutely ridiculous this bank closed my account this is not fair without notifying me when I found out on my statement I didnt even know customer service tells me I requested a closure but that is not true I called them to report my card as lost and the lady closed my account in error customer service said the account had to be reinstated this is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act Fair XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Account # XXXX XXXX  Account # XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this coomplaint with the help of the Consumer Financial Protection Bureau to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of being reported on my Credit File. The items in question are as follows : 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ), XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt. Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. Santander Comsumer U 2. XXXX 3. XXXX XXXX XXXX  XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

We signed a purchase agreement XX/XX/2016, on a condo at XXXX XXXX, SC. For a few reasons, we applied for a mortgage with Bank of America. Our closing date was XXXX XXXX with a 10-day extension. We were assured that we should have no problem closing by that date. Even though the Home Services Specialist ( HSS ) who handled the application knew we were buying a beachfront condo, he did not aggressively pursue approval of the Condo Review Board until the very end of the process when that matter should have been addressed at the outset. As our closing date approached, we, our realtor, and our real estate lawyer tried to get specific answers regarding approval from the Condo Board and hence the mortgage. The HSS set XXXX different closing dates, with the final one on XXXX/XXXX/2016. The HSS would not return calls or e-mails or would promise to make calls that never came. At one point, he could not explain the condo issue to our realtor. He asked for documents which we supplied 2 or 3 times. Overall, he acted in an unprofessional fashion. Finally, on XXXX/XXXX/2016, our realtor forwarded an e-mail she received from the HSS telling her that the Condo Review Board had not approved the condo. As of XXXX/XXXX/2016, we have still not been informed verbally or in writing by the HSS or BOA that the mortgage was denied. Had the HSS and BOA been straightforward with us, we could have gone to another bank and probably closed the loan on time. We stayed in the process because the HSS gave us every indication that the mortgage ultimately would be approved. We and our realtor complained to the HSS 's supervisor only to have our phone and e-mail messages not returned. Because of the incompetence of the HSS, we nearly lost the condo.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  and XXXX XXXX  conduct an investigation and due diligence and admit contrary to your fraudulent records that their were no foreclosure sale XX/XX/year> and go to XXXX and then put in my last name XXXX, zip code XXXX and then loan number XXXX and admit on the portal before the CFPB I am the Owner XXXX XXXX XXXX XXXX MI XXXX.
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. 
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 
Has violated my rights. 
I looked on credit report on XXXX and noticed some things are incomplete and not accurate.an according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accurate of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do ( 5 ) treatment of inaccurate or unverifiable. 
( A ) in generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX5 u.s.c 1681.. 

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 
Has violated my rights.. 
15 u.s.c. 1681 section 602 A. State i have the right to privacy.

15 u.s.c. 1681 section 604 A. section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information / other than records of conviction of crimes witch antedates the report by more than XXXXXXXX XXXX 
15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2015 I went to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, IL to look at engagement rings. A young XXXX haired woman assisted me and asked if she could run my credit score to see how much I could be approved for a loan. After coming back she told me I had great credit and she opened a XXXX XXXX credit card in my name without authorization.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

I was pre-approved for a home loan from Veterans United, I had tried to buy a house once before but things didn't workout. I told them when I started this time I wanted a new realtor and bank lender. They gave me a new realtor but said i had to keep my bank lender. I asked why he said because he has your case and worked it before, I explained that i didnt like and trust my lender before. But they still put him on my case. Once i started looking at homes my amount was not disclosed to me which was strange but i knew i wanted something around XXXX  which i could afford. I was still able to pick a new home that I liked. It took sometime to build but during the process I turned in all my paperwork needed early or one time. I paid all my fees that was asked or stated. When ever I had questions that I needed the bank lender to ask i could never get a hold of him days or weeks would go by. I told my realtor and she complained about him also, I had a feeling he wasn't working my case because every estimate he gave me the numbers where always different or way off. They couldn't find paperwork that I had turned in. I had to tell them where to find it on there website. They didn't communicate with me at all, it was a constant game of me trying to find my bank lender and get answers. Once the house was finished and we where suppose to close the lender ran my credit again and then stated oh you have a automobile payment which I told him before and we discussed. He started to act weird as in unsure, when it was time to close the dates kept changing and I was asked to be patient. They had already instructed me I could move out my rental place because the home was almost done so I put my notice in. Little did I know we might not close and they said I should trust then I could still move out and they would reimburse me for the hotel. I was scared because they didn't honor anything they had told me before and if I sell my stuff and move out if I don't get the home me and my family would be homeless. The only thing they told me was be patient trust them. I then get a call stating if they can't get the deal done can I get my rental back after they said trust them, so I would have lost all my furniture, key house hold belongings, and etc. Veterans United has almost made me homeless and I just wanted to become a homeowner. I'm a 1st time buyer and this was a nightmare and it seems like Veterans United doesn't have any accountability or cares about veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected Consumer rights were violated because Equifax furnished false information without my written consent. I never gave Equifax any written instructions to furnish anything on my Consumer 's report. No consent is Identity Theft and infringement on my Consumer 's right to privacy. Based off Equifax violating my consumer rights I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX and XXXX  because of these results.
Product: Credit reporting or other personal consumer reports

I sent Equifax multiple dispute letters regarding the following collection account : Alleged account : XXXX XXXX XXXX Alleged original Creditor : XXXX XXXX XXXX XXXX Alleged amount owed : {$10000.00} and I received the response, but they have not shown me proper procedures and that they did a real investigation. They just said, this item was verified. 
How was it verified when the collection company has not validated or verified this information with me? Also, I want the item deleted immediately. 
THEY ARE REPORTING MISLEADING DATA AND IVE CLEARLY SHOWN PROOF THAT THIS IS ALL MISLEADING!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I began the process of communicating with XXXX, XXXX, and Experian to address MAJOR inaccuracies on my credit report AND my credit file. Despite these repeated attempts, all 3 CRAs continue to disregard my letters and my dispute submissions via their respective online portals. As a result, I continue to be financially disadvantaged and harmed by all 3 CRAs for their repeated negligence and recklessness in regards to their poor maintenance of BOTH my credit report and credit file. It has also caused my FICO score to drop to the low 500s and caused me to be denied credit by several potential creditors. Specifically, XXXX, XXXX, and Experian continue to violate 15 USC 1681 ( e ) which states in part, that the CRAs are required to " assure MAXIMUM POSSIBE ACCURACY ''. My credit report AND credit file are different and none of them are accurate across all 3 CRAs. Specifically, I have 1 address ONLY and have only lived in 1 state which is New York. Yet, all 3 CRAs list addresses in CA and PA none of which are mine. Despite numerous letters sent to all 3 CRAs other addresses continue to be misattributed to my credit report and credit file. I have also sent a notarized police report AND notarized FTC identity theft report as evidence that my identity was stolen yet all 3 CRAs have ignored these legalized documents and violated my federal rights.

Additionally, all 3 CRAs continue to report inaccurate transaction history in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which is under " Exclusions '' to the consumer report and states in part that information pertaining to the " transactions or experiences between the consumer and the person making the report ''... Thus all 3 CRAs are in violation of this code by continuing to include the financial transactions and financial history of the credit accounts on my report. Additionally, all 3 CRAs further violate both of these codes by reporting inaccurate balances because they never include the cents amount ALONG with the dollar amount of those alleged balances and transaction histories. For example, I attempted to dispute this with Experian however I was prevented from doing so on their website ( see attachment ) and it prevented me from doing so. XXXX and XXXX have locked my account, respectively, on their websites so I am unable to continue disputing these inaccuracies online.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts was opened without my full consent. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX **** {$6000.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX FTC report is included and these accounts are included in it.
Product: Debt collection

Ameriassist debt collector has called me all through out the day and night. " XXXX '' has called my family members telling them I am in debt, and even called my boss and told them they were collecting my debt, thanks for the humiliation. This is a debt of the birth of my child, I was told my insurance was going to pay 100 % of it therefor I am trying to work with my health insurance and my hospital concerning this issue. The lady XXXX from ameriassist told me to pay her XXXX $ and she will leave me alone for XXXX month. Luckily I was pay day and I did have that money at the time even though money has been a struggle for me now as a single mother.
Product: Credit card

XXXX was committed against my Wells Fargo credit card on XX/XX/2024. They attempted XXXX transfers until XXXX went through for {$7500.00} to a XXXX XXXX XXXX. This transfer was authorized by Wells Fargo, and I was not notified by text, phone, or email. I did not approve or authorize this transaction. I do not have a XXXX card. I am reporting this fraud committed against me. I have been trying to resolve this problem since XXXX. Wells Fargo is not taking responsibility because they say it was done from my computer and that I was the one who made the transaction. Wells Fargo is not investigating where the XXXX address of the transaction came from. I am seeking help to resolve this problem as I am now being charged fees for not paying an account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to express my frustration and disappointment with the way my account has been handled by Capital One and XXXXDEPT OF ED. Despite never being late on any payment and diligently communicating with the creditor and the credit bureaus, my credit report contains inaccurate and damaging information that has affected my ability to obtain credit and loans at reasonable rates. 

Specifically, my credit report shows that I have been late on payments or have not paid my account, which is not true. I have always made payments on time and have evidence to support that, including bank statements and payment receipts. Moreover, I have sent multiple letters to the credit bureaus and the creditor, disputing the inaccurate information and requesting that it be removed or corrected. However, to date, no action has been taken to rectify the situation, and my credit report continues to reflect false information. 

This situation has caused me significant stress and inconvenience, as I have been denied credit and have had to pay higher interest rates due to the inaccurate information on my credit report. I believe that the creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations, and I request that the CFPB investigate this matter and take appropriate enforcement action to ensure that the creditor complies with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please let me know if you need any additional information or documentation to support my complaint.
Product: Checking or savings account

I had reported a fraudulent claim to Cash App for {$550.00} via my debit card on XX/XX/year> which they claimed was legit after investigation. They never even investigated it was automatically denied in 1 day of me opening the dispute. I been a customer of Cash App for almost 2 years, never had any problems until this past weekend. I had try to request information on how my claim was denied and try to reopen the investigation. Denied again. 

This debit card is always used at store vendors I typically shop at like grocery stores. Other than that my card is always locked at all times and I always use my credit card for this type of reason. 

The transaction was made in XXXX for over {$500.00}. That money was going towards my rent and now I dont have it anymore.. Cash Apps customer service can not find any record of me ever making transactions in XXXX. Cash App is not helpful. Their company is ran by a bunch of AI bots and you can never speak to a real person. They refuse to let me talk to the team who actually reviews this information saying they cant help me. So Im submitting this complaint in hopes of getting a REAL person to help me because this is honestly ridiculous.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with geting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME.
Product: Bank account or service

I am a retired XXXX employee, and I get my check on the XXXX of each Except if the XXXX falls on a weekend, then I get paid on the following Monday. I have XXXX friends who have accounts at XXXX XXXX and XXXX who get their checks on the XXXX regardless of the date. I bank at TCF. My bank then assess Over draft fees to my account, as I have automatic payments that come out on the XXXX I would like to know why this happens.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven by XXXX XXXX XXXX. I have the official letters by account needs to be updated on XXXX and experience.