23daVinci/CFPB_Complaints huggingface dataset:
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. 
I have told XXXX, XXXX, and Equifax to investigate these accounts again : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is it possible if the open date, date of last activity, and much more are incorrect? 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reported correctly.

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 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 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 ( AX1 ) 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

So I applied for a Discover Bank Home Equity loan in XX/XX/2023. I submitted all the documents needed. Then one of the customer service agents called after a couple of days of the application saying everything looks alright except that I had a negative event in my credit report. So one of the loan accounts was 30 days past due in the credit report. It was past due but I did go ahead and make the payment after that but it did not reflect until the next statement in XXXX. But the day of the agent calling me which is XX/XX/XXXX, I did see a notification on my XXXX account saying that the loan account has reported positive activity and the account is current now. So I tried asking him to pull the report again. The agent did but it still did not show the account as updated on their end. I said it was the same day so maybe it might take a bit of time for it to be updated on their end. So I waited until today XX/XX/XXXX, which is almost a month later to reapply again. So I called up the bank to re apply and they went ahead and re applied and pulled the credit report again. But it still says that account is not current. Which makes me think they do not pull current credit report for the credit. They go with the old credit report. This could end up in lot of people with inaccurate credit history being pulled and interest rates based on those. Because of this now I have XXXX credit pulls within last couple of months but an inaccurate credit report on their side and declined loan because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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 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: Debt collection

I have been harrass unlawfully by National Recovery Agency. I have no knowledge of this debt and did not give permission for this creditor to contact me. I did not give any personal information to this company. They have placed false information on my credit report without my knowledge. I was not contacted by initial creditor that there was a balance or that I had any debts. The debt has caused further harm as I am now homeless with my children. I would like the company to not contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Mortgage ; Loans XXXX, and XXXX We paid these loans IN FULL ON XX/XX/19. However, WF has REFUSED TO NOTIFY THE CREDIT REPORTING AGENCIES!! Instead of showing a balance of XXXX, the credit reports still show an incorrect balance of {$97000.00}. We have contacted Wells Fargo 's mortgage service line numerous times without success. This credit problem is PREVENTING US from pursuing other, essential financial transactions. PLEASE HELP!!!
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 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 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. 

They have marked my account with a charge off and a derogatory mark. My visions credit card was reported with unauthorized use and I had ordered a new replacement card that never was delivered. The account as of XX/XX/2023 is paid off. 

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: Debt collection

I submitted a prior complaint and the response I received has nothing to do with me. I have know idea who this person is THIS IS NOT MY ACCOUNT I NEED HELP AND WANT THIS REMOVED PLEASE HELP
Product: Credit card

I filed a complaint with this company for overcharges for fees/interest that were added in error. Additionally, I never received all items that were paid for and financed from the original company, XXXX XXXX, which were outlined in my original complaint. Additionally, I still have a range that was damaged during delivery, that I never signed for since it was not put together or installed and had extensive damage. This was supposed to be repaired by XXXX XXXX  and was never completed. I was comfortable accepting the company 's response : " In the interest of customer service, we credited the accrued promotional interest and the associated finance charges totaling {$1600.00}. Weve moved the remaining account balance to a new 18 Month Deferred Interest, Payment Required promotional plan. '' However, they have not honored this agreement and have continued to charge interest.
Product: Credit reporting

XXXX was removed from XXXX and Experian credit reports due to the accounts being mis dated to appear new when they are over 10 years old. This company has reinserted XXXX charges to my credit and dated them XXXX 2016 I was not notified by anyone that these would be placed back on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX AV XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Fraudulent accounts : XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX Balance Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This debt NEVER existed. This is NOT a debt. 

This involves the return of XXXX equipment that was returned to XXXX in 2010!!!!! 

I have been harassed by several collection agencies since 2010! This has to STOP!!! 


I am tired of being harassed and want this removed from my credit report IMMEDIATELY!!! 

If it is not removed and the harassment does not cease immediately I will have no alternative but to file a suit against this debt collector.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

While investigating if I was eligible for a loan discharge on a Navient private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted Navient right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. 

They continue to harass both myself and my co-signer. They found " no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but Navient continues to add interest to the account and call incessantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has somehow deleted my entire credit report and creditors are not able to access my credit. I noticed this back in XXXX XXXX which I placed a call to their customer service department explaining that I could no longer access an updated copy of my credit report. I have important financial transactions that have been declined due to their carelessness handling my credit report. I called now three times and the customer service representatives are saying that they have nothing in the system even after manual attempts to locate my report. Today XXXX states that she can't see anything at all. I am asking to have Equifax regenerate my Equifax credit report.
Product: Checking or savings account

Recently, I paid for my mother in laws funeral and was double charged. It's been over a week now and USAA still has not fixed my account. I have direct deposit and the money is getting eaten up by the overdrawn account. My account has been overdrawn by over {$5700.00} since XX/XX/XXXX. USAA admitted this was an error on their end but everyday they give a different refund timeline. At this point all of my payments are behind and at risk of disconnection. I have even escalated this issue to their CEO relations team and they have refused a temporary credit even though they know funds have been released by the 3rd party bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to request my Equifax online and in writing and have still not received a copy of my Equifax credit report. I have had not troubles obtaining it with the other bureaus but for some reason Equifax is not responding to my request. I even sent the request certified. I have attached proof of the letter I sent certified as well as the tracking showing they did receive it.
Product: Checking or savings account

On XX/XX/2021 was withdraw from my account {$5000.00} without my authorization from XXXX, I instantlly called the Chase Bank because I didnt do that transaction, they responded me that they can not do anything because I did before a transaction with that company. I reach the company and they told me to call my bank to reverse the founds and they didnt help me with this. I just want to recover my {$5000.00}. 
The manager told me that because I enter my bank account they cant withdraw money without my authorization any time they want
Product: Credit reporting or other personal consumer reports

Debt collector called XXXX XXXX XXXX reported a debt on my credit report thats not mine and requested for the debt validation on the account and they refused to provide it. Please Im requesting for them to delete this wrong information from my credit reports immediately. Account number : XXXX Company name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I was notified by my XXXX Credit monitoring account today by e-mail on XX/XX/2022 at XXXX XXXX XXXX. That a social security number trace was established and was redirect to a new address or residence, and that if the information was not correct to contact the XXXX as soon as possible to address it. 

So I did just that. When I was on the phone with XXXX they looked up the alert and to whom reported this on my credit file. 

The customer service agent from XXXX stated it was reported by AFNI incorporated. He then went on and stated there was nothing attached to report a credit account or debt. It was removed immediately but I feel this company was trying to tack this address to my credit report fraudulently to establish a debt with me that I don't owe to them. 

Additionally, I'm not sure how they have obtained my social security number and then ran a trace on it. As documented in my XXXX account. 

I have had a lot of my personal information compromised drivers license, SS, email and phone number are currently being monitored by accounts with all credit reporting agencys
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I transferred money from my M & T Bank checking account to my XXXX M & T Bank account for the amount of {$400.00} using XXXX. My daughter did receive the {$400.00}. Along with a woman named XXXX XXXX for the amount of {$740.00} {$740.00}. {$240.00}. {$740.00}. {$740.00}. {$740.00} all paid to the above mentioned person. Her phone number is XXXX XXXX XXXX {$1000.00} for merchandise that I did not purchase. 

I have received nothing but the runaround from my bank and anybody else I talk to about this. I thought my money was safe in M & T Bank
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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/year> 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 CREDIT BUREAU 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: Checking or savings account

Unfortunatly while working out at a local gym I was robbed of all my items. My bookbag had literally all of my important items in it. My wallet, my car keys, my phone, and some of my clothes. Upon discovery I did file a complaint with the gym and a police report at a later time. Unfortunately as I stated, my keys and phone had been stolen. I had no money and no way to contact anyone. I contacted the bank as soon as I purchased a new phone about 2 days later. Basically the bank is holding me accountable for fraudulant activity on my account. I had NOTHING to do with this. Based off what the bank told me this was all done in XXXX Tx. I have proof on these dates of fraud I was in XXXX XXXX! I had my property stolen, my bank accounts hacked and I am held responsible. This is such a inconvience and not fair! A proper investigation must be completed!!!!
Product: Credit card

Made payment on credit card. Two days later a duplicate payment was taken from our checking account. Eight attempts have been made by phone to find out when the double payment would would be corrected. This was a month ago. First we were told 5 days to correct, after 5 days it became 10 days to correct. Them we were told a check was sent. No check, it will take an additional 10 days to correct. Toady the last 10 days ended, they want 5 more days to correct.