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

XXXX has reported a 30 day XX/XX/2024 late payment. To date, I have received no response or removal with the three credit reporting agencies. These agencies are XXXX, Experian. and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX XXXX under the account number # XXXX, a personal loan account opened at XXXXXXXX XXXX XXXXXXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XXXX XXXX with a balance of {$370.00} that appears related to the aforementioned telephone company. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of 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 XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX I am filing the FTC theft to report XXXX separate fraudulent accounts, appearing on my consumer file report, which are the results of identity, theft and fraud. These fraudulent accounts consist of rental apartments open between the years of XXXX XXXX XXXX Including collections accounts XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer XXXX credible report. I Demand the aforementioned fraudulent items be removed from each of my consumer credit report and that all collection activities related to said items cease pursuant to my rights with the FCRA and FDCPA Law. 
Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$370.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX.identitytheft.govXXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Credit card XXXX XXXX was activated by someone else with unauthorized charges along with open old disputes.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the identity theft block currently applied to my credit report. While I understand its purpose, it is now preventing me from accessing new credit opportunities. Despite providing all required documentation, including proof of my identity and Social Security card, the block remains in place. 

I have attached a photo as evidence showing a phone number that is not mine. My only phone number is XXXX XXXX. This issue is severely affecting my credit opportunities and overall financial well-being. 

I kindly request your assistance in resolving this matter promptly. Please let me know if further information is required to complete this process. 

Thank you for your attention and cooperation. I look forward to your response and a resolution at your earliest convenience. 

Best regards,
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$29000.00} ; XXXX XXXX XXXX  Balance : {$1700.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$4800.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  Balance XXXX {$1100.00} ;
Product: Debt collection

On XX/XX/XXXX I kept receiving calls from an unknown number. I finally called the number back to find out that it was a collections company with virtuoso sourcing group. They were trying to collect a debt for {$650.00} for a power and light company in XXXXXXXX XXXX I knew something was wrong because I live in XXXX XXXX and have never once in my life lived in XXXX. They told me the address lived at was XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Immediately I reported that that account was identity fraud and was not my debt. I have also sent that Virtuoso group an email with a police report of the fraud I reported that same day. The case number for my police report is XXXX with XXXX XXXX police station on XX/XX/XXXX. I checked my credit report on that day to find another collections account, this one totaling {$4200.00} at a XXXX XXXX apartments also in XXXX. The collections account was at XXXX XXXX XXXX. I have also reported this account as Identity theft and emailed in the necessary information to the company to get it removed from in relation to my identity. I have gone on experion and reported a hard inquiry on my credit regarding a XXXX XXXX credit card that I never signed up for. The date online said it was signed up for in XXXX XXXX XXXX. I need to get these fraud reports and accounts removed from my name and my credit restored as they are not my debts and I have been a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. These accounts does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and i never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX & XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. As well as the incorrect address of XXXX XXXX XXXX, XXXX, MS XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit card

I applied for a credit card from Citi 's website, the XXXX XXXX. On the website when I applied, it stated that I needed to spend {$1000.00} in the first four months to get the XXXX bonus points. When I satisfied this condition, I did n't receive any bonus points and when I asked them why they claimed I signed up for a card that only paid out a bonus when {$2000.00} of spending was hit. -- Had I been told at any point after I applied that I signed up for a card with a {$2000.00} target, I could have accommodated that, but nowhere in my card member agreement or welcome letter or email did it mention that I needed to spend {$2000.00}. My complaint is that Citi is doing a bad job of informing customers of how much they have to spend to hit sign up bonuses after they apply for the card. This is probably so they can have as few variations of letters/emails as possible, but it feels like a bait and switch - I thought I had to spend {$1000.00} to get a bonus and nowhere did Citi say otherwise until six months later when I messaged them and asked where my bonus was.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, Ive found that payment history is being reported on this account. Transaction history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit. 

According to 15 USC 1681 2a ( I ), under the exclusions section, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. Income is not included in the consumer report.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

15 U.S. Code 1681e - Compliance procedures, states that ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XX/XX/2022 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

My information was exposed in a data breach with experience, credit cards, and other information retaining to this was exposed and put on the dark web, including my Social Security number I mean, everything is literally on the dark web. If someone wanted to pretend to be me its completely easy my birth certificates up there copies of my drivers license everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BLOCK AND REMOVE THE FOLLOWING INQUIRIES. 
XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX  Date of Inquiry XXXX
Product: Student loan

the company keeps miss allocating the money i send them to pay for my loans which keeps causing excessive fees. the last times i have had contact with firstmark XXXX XXXX XXXX about my loans i told them to pay for the specific month and all its late fees which should bringing my account to the normal monthly amount, but yet again i have more fees than i should having to pay more than i should. COMPLAINT ID XXXX was about the same issues.
Product: Credit reporting or other personal consumer reports

According to Law FRCA SECTION 605b, it is illegal to report information on my credit report without my permission. I noticed financial institutions disclosed my non-public personal information to multiple non-affiliated third parties and I was never provided with any notices to give any consent to those said parties stated within the law 15 USC 6802. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive submitted this complaint several times CFPB, XXXX & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) XXXX & EXPERIAN with FTC Fraudulent report support my position. It seems XXXX & EXPERIAN is violating FCRA section 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect cons
Product: Mortgage

Our home was damaged from winds during Hurricane Laura. The repairs are 95 % complete. We had to file a lawsuit against our wind insurance company. We settled our lawsuit. The insurance co. placed Wells Fargo 's name on the check which was in the amount of {$150000.00}. We mailed the check to WF about 4 months ago and we still have not received our funds. Our home is worth at least {$800000.00}. The principal remaining on our WF note is {$150000.00}. We have attempted to have WF release our settlement funds with no help. We have called at least 8 times, been to the WF in XXXX, Texas, and finally a 3rd party inspector came to view the house almost a month ago. We complied with every requirement WF has asked, including at least 40 pictures showing completion of the work. We are getting the run around from WF and it is very frustrating. We need the money for finishing repairs and other things in our life. Our precious XXXX XXXX XXXX son passed away just 6 months ago and this issue with WF is not helping our grief. Please have WF send us our funds. We have never been late on a payment ( auto draft ). Thank you for your help.
Product: Debt collection

Navy Federal is reporting a credit card debt that was a result of identity theft. I have filed numerous complaints with the CFPB and after investigations the account still remains on my credit file. 

The statue of limitations in Texas to collect a debt is 4 years, this account was opened fraudulently on XX/XX/XXXX, this fraudulent debt should have been removed XX/XX/XXXX. 

Navy federal has now reported to XXXX on XX/XX/XXXX that a payment was made XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act, because Navy Federal has refused to show prove of the payment and the statue of limitations on debt in Texas is fours years and it states that if payment is made or any other activity it does not restart the clock. 

This fraudulent debt should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a XXXX  XXXX XXXX with a loan through WellsFargo Dealer Services. I have had my loan through them since XX/XX/2014, recently I began credit repair for myself. Disputes have already been sent and no changes. This company shows multiple 60,90,120 day late payments on my credit report. This company has been over charging my account for quite some time because of insurance fees even though I had my own insurance and they are supposed to be sending monetary compensation because of this. Collateral protection insurance is what its called. This company has been over charging me I would like for those late payments showing on my credit report to be removed.
Product: Credit reporting or other personal consumer reports

My XXXX ( in XXXX ) & Indigo ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX & Indigo! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my XXXX card ( XXXX ) Indigo ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my XXXX and Indigo cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all XXXX Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, XXXX, XXXX reports Re XXXX card ( XXXX ) Indigo ( XXXX ) THANK YOU!!
Product: Credit reporting or other personal consumer reports

My Equifax credit score suddenly dropped XXXX points today because an incorrect collection for a debt that is not owed was placed on my report. A collection agency called " XXXX, '' put a claim for from " Original creditor XXXX XXXX XXXX '' However, I confirmed with the college that this debt was not owed because the course was dropped before the debt deadline, and I have records in writing reflecting that. This impacts my ability to buy a home significantly and amounts to fraud. If this false claim is not removed from my credit report promptly, I will be taking legal action. 

As a higher education professional ( and XXXX. ), I will also be reporting XXXX to the Department of Education for the practice of placing a fraudulent debt for collection. This action goes against the very mission of institutions of public education. I considered attending XXXX for XXXX XXXX one semester and dropped the course before the semester even began. The registrar confirmed that it was dropped, and no fee was owed. Regarding " XXXX, '' this organization has no legal right to place a fraudulent debt on my account and destroy my hard-earned excellent credit in a moment. I am looking to buy a home and may have to renew my lease now because this fraudulent action incorrectly tanked my score by nearly XXXX points. This is so obsentibly wrong ; I still can not believe that this is happening.