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

I have submitted multiple Disputes regarding charges resulted from Identity Theft. 

Duty To Conduct Reasonable Investigation of Dispute For disputes I filed directly with American Express, Regulation V requires furnishers to conduct a reasonable investigation with respect to the disputed information and review all relevant information provided by the consumer with the dispute notice. 

American Express violated these provisions when American Express failed to investigate disputes submitted by myself. American Express responded by Mailing a Generic Letter from the XXXX XXXX XXXX XXXX ( Attached ) Dispute Reference Number : XXXX Dispute Reference Number : XXXX Letter stated " the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. We have been unable to contact you. Therefore, we are closing your fraud claim until we receive sufficient information. '' 1st : the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. This is a lie. American Express received the following : 1-Official Dispute Letter with My Name, Birth Date, SSN, Copy of ID, Letter from DOJ-BOP, Copy of the FTC Identity Theft Report XXXX 

American Express received all information required per CFPB : ( d ) Direct dispute notice contents. A dispute notice must include : ( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements.

2nd : American Express Stated : We have been unable to contact you. 

that is another lie, because they sent that letter to inform me that they were not able to contact me, well, me receiving the letter and calling them back is an evidence that they are able to contact me. 

XXXX : I Called American Express XXXX XXXX XXXX XXXX 4 times and provided them with the reference Number [ Dispute Reference Number : XXXX ], the agent told me that they don't know what that number is! I recorded the phone call and can transcribe it. 


4th : American Express Stated " Therefore, we are closing your fraud claim until we receive sufficient information. '' That is an intentional violation by American Express of FCRA, and shows gross negligence
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

on XX/XX/24 I send transunion a letter requesting them to do a reinvestigation of incorrect information of accounts and to remove them. on XX/XX/24 transunion sent me a letter stating they wont reinvestigation because the letter not from me, yes the letter came from me no 3 party I want transunion to stop sending me stall letters
Product: Credit reporting

I was asked severeal security questions, none of which I recognized. I also noticed inquires from places I did not authorize.
Product: Debt collection

XX/XX/2017 I received a copy of my credit report and it had a account from XXXX XXXX listed on it with a balance of {$840.00} ; account # XXXX, I immediately disputed this charge as fraud and has had no success with it being removed from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services, with the respect to the accounts listed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally report that my personal information was exposed in a data breach. This breach has led to unauthorized access to my sensitive personal data, which may include, but is not limited to, my name, address, Social Security number, financial account information, and other personally identifiable information ( PII ).

I am deeply concerned about the potential for identity theft and financial fraud due to this breach, and I have taken immediate steps to protect myself. These actions include monitoring my credit reports, placing fraud alerts on my accounts, and requesting credit freezes where applicable. I am also in the process of working with the affected organization to resolve any potential issues stemming from the breach. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure the responsible party is held accountable and to protect consumers from future breaches. Additionally, I seek guidance on any further steps I should take to safeguard my financial well-being.
Product: Debt collection

Company has repeatedly attempted to coerce me into paying a debt that is unrecoverable as Ive been on ssdi for multiple years, and have no assets not even a car. Theyve continued to use the legal system to harass me knowing that I can not afford to legally defend myself, attempting to take funds they are legally not allowed to seize. 

This is in addition to previously serving court documents inappropriately, such as sending by regular mail, and sending unprocessed paperwork as a vague legal threat ( we havent filed this yet, but it says youre gon na lose so you better pay up ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a Georgia State tax lien for {$460.00} was filed with the XXXX County, GA clerk of courts. Said tax lien is incorrect and was paid and released on XX/XX/XXXX. <P/>On XX/XX/XXXX, a Georgia State tax lien for {$1000.00} was filed with the XXXX County, GA clerk of courts. Said tax lien is incorrect and was paid and released on XX/XX/XXXX. <P/>In addition, per Georgia Law, Once a tax lien has been paid and released, a tax lien must be removed seven years from the DATE IT WAS FILED.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX  Credit Report, l noticed that on XX/XX/2017 an unknown inquiry was made by BANK OF AMERICA which l have no idea about it.
Product: Payday loan, title loan, or personal loan

My current loan with XXXX is being managed by a debt management company, XXXX XXXX XXXX. The company has been making payments on this loan; however, XXXX is reporting my account as deliquent and past due, which is negatively affecting my credit score. I have tried contacting XXXX  by email since XX/XX/2018 and have not received one response to any of my emails. When I contacted them by phone, they would not speak to me or provide any information since they have it recorded the loan is being managed by XXXX. However, my XXXX  representative has been unable to get ahold of anything at XXXX either to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax 3 times about a collection on my report under : XXXX XXXX, XXXX. 
ORIGINAL BALANCE {$140.00} CURRENT BALANCE {$140.00} STATUS ( AS OF XX/XX/XXXX ) UNPAID FIRST DELINQUENCY XX/XX/XXXX LAST PAYMENT Not Reported AGENCY NAME XXXX XXXX, XXXX. 
AGENCY NUMBER XXXX ORIGINAL CREDITOR XXXX and waited over 60 days for them to respond and they have not. This is the second complaint I have submitted and they have not responded.
Product: Debt collection

This account was opened Fraudulently using my personal consumer information. and must be deleted from all of my consumer reports immediately. Attached is my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to grant me access to my credit report. I have repeatedly answered security questions, obtained security codes, etc, and they continue to have my account locked. 

This is a clear UDAAP violation that is detrimental to not only myself, but to the entire consumer credit community.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Product: Credit reporting or other personal consumer reports

After my home was broken into, theres been multiple requests for new credit accounts that do not actually belong to me. Ive been working to get this matter resolved. I have not applied for any new credit. 
I have new inquiries from - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have never applied for any credit through these creditors and I am demanding that these inquiries be removed from my credit report instantly or I will pursue legal action. 

Also, there are false addessss that need to be removed from my credit report as I only reside at one address. Please remove the following addresses from my credit report and send me a copy of my new credit file once completed. 
XXXX XXXX XXXXXXXX XXXX should be removed from my credit file XXXX XXXX XXXX should be removed from my credit file
Product: Debt collection

To : XXXX Re : XXXX XXXX XXXX Discover credit card account that is not mine XXXX I wish to make a complaint against a debt collector, XXXX XXXX XXXX XXXX who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. 

I have been the victim of identity theft. Discover had claimed they issued a card to a person with the same first name, but a different last name than me, and now Discover and the company they sold the debt to, XXXX XXXX XXXX, claim that this account is mine. 

This identity theft Discover account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX, despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to Discover, XXXX XXXX XXXX, and the XXXX XX/XX/XXXX, and XX/XX/XXXX. 

I do not have an account, nor have I ever maintained an account with Discover. 

Discover claims that the account was opened via an internet application we received on XX/XX/. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. 

Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. XXXX XXXX XXXX and Discover refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. 

I have repeatedly contacted both XXXX XXXX XXXX and Discover in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and XXXX XXXX XXXX continue to harass me in regards to this debt. 

There is no pending court action and I have not filed a lawsuit regarding this matter. 

The resolution I am seeking is for XXXX XXXX XXXX to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that Discover be compelled to do the same.
Product: Credit reporting or other personal consumer reports

These companies continue to show late payments for a vehicle loan that was paid off completely before the final payment terms, YEARS BEFORE.
Product: Credit card or prepaid card

I received a unsolicited letter from Wells Fargo on XX/XX/2020, stating that they needed me to unfreeze my account with XXXX  to approve me for a credit card. I never applied for a credit card with Wells Fargo. 

I am very concerned that someone applied for a card using my name. 

When I called the number provided, it was very suspicious. They asked for my Social Security number and I said no. Then they practically hung up on me. I called back and asked for a supervisor and she wanted my birth date. Again, I said no and she said she couldn't help me. 

I then went to the Wells Fargo Bank website and called their customer service number. The entire automated system sounded very different. Unfortunately, I never could connect to a person. 

I suspect this is fraud and they are posing as Wells Fargo. I don't know what to do about this problem. I don't like the fact that they have my information and that someone started an application in my name. 

I also know there have been problems with Wells Fargo and credit cards in the past. 

Thank you, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency is reporting inaccurate information regarding my account their reporting a credit limit of {$0.00} dollars with a balance of {$160.00} how is that even possible then is reporting my actual credit limit of XXXX as my highest balance.
Product: Credit reporting or other personal consumer reports

I received a letter from Wells Fargo regarding the misuse of my account. They sent me a {$14.00} check for the misuse and promised to compensate me for the impact I experienced. Sadly, I did not receive the escalated assistance that I requested, after sharing that I suffered from financial impact and credit reporting impact beyond what they acknowledged.
Product: Vehicle loan or lease

Consistently, I've maintained timely payments on this account, ensuring they never fall into arrears. I'm unclear why there are indications of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections ought to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On Monday ( XX/XX/XXXX ) I noticed a charge on the joint checking account I share with my wife in the amount of {$22.00}. The charge was from EXPERIAN and appeared to be for a credit report. Neither my wife nor I requested a credit report recently. I called my credit union and they gave me a number for EXPERIAN. I called them yesterday ( XX/XX/XXXX ) and was on hold for 90 minutes without getting through. I call the same number this morning ( XX/XX/XXXX ) and was on hold for an hour without getting through. I went to their website and called a different number. I got through to someone in the charge dispute department and explained my problem. He told me it sounded like a membership charge. While I did request a credit score from EXPERIAN in the wake of the XXXX data breech, I did n't sign up for any kind of membership. The man I spoke with transferred me to the membership department and I am now on hold again ( 25 minutes and counting ). It is criminal that these credit agencies traffic in our financial information and yet we have to pay to access that information. Not only do they make huge profits off of our information, they 're careless with this vital data. I want the {$22.00} refunded and any membership that was set up unbeknown to me terminated. Thank you in advance for your kind attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report ( XXXX  TransUnion, and XXXX  ) are reporting collections information from a company called XXXX. The additional information being supplied by XXXX contains information about where and when I received healthcare. There is not an original HIPPA release form on file. Because the name of the place where I received service is also reported, it reveals very personal information and in this case is a HIPPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transunion employee at XXXX ; XXXX XXXX  on XX/XX/XXXX there is nothing affecting my credit score. XXXX first told me there's 2 items. I asked him if he can please assist me with the items to see if there mine. he was XXXX never got a direct answer for 1 whole hour we got nowhere. XXXX XXXX informed me we dont get confirmation number aftre i filed my dispute? i just got a big headache basically he XXXX refused to help me by confusing me. on XX/XX/XXXX my score was XXXX my score has not improved. the same things that were on my score in XXXX XXXX XXXX are all the same but nothing there should affect me? Never had a credit card just XXXX XXXX is a secured acct Iam on safer credit building but have not gotten 1 increase on my score. i tried to get a mortgage from the first-time home buyer Transunion hit me with that with that immediately affected my score without a chance. Inquiries in report that should had fallen off have not yet fallen off. XXXX refused to assist me with that. Transunion deleted XXXX back on XX/XX/XXXX file # XXXX they added it back on XX/XX/XXXX, XX/XX/XXXX i reached out to XXXX  myself where they XXXX mailed me a copy of the letter to all XXXX bureau XXXX XX/XX/XXXX where they told the reporting agency 's it was en unauthorized credit application telling the reporting agency to update the inquiry to a soft inquiry which they never did they continued to refuse to do as told. i will like to ask to have someone pull up XXXX XXXX conversation of nothing. Transunion has been punishing me for years with items they/ where not mine as of today my score went down XXXX point and never went up for 3 years because Transunion has been refusing to comply to the law by neglecting to do as told. Transunion refuses to give me my credit report acting like its been lost then saying i need to verify my identity removed freeze requested by me for only 1 week. the other 2 reporting agency did as i requested but Transunion felt again that they don't have to follow policy alert and never ut back freeze. i like to ask for en investigated to please look at all my score inquiry only 10 percent of Transunion 's claims are mine ive disputed many they were unverified and should had follow policy and removed them there's things on there for XXXX plus years. after this investigation i will be looking to seek legal action if not corrected immediately. 
XXXX dropped my credit score XXXX points on XXXX falsefully on a secured credit building card XXXX in safer credit building XXXX XXXX has no reported credit limit. Transunion and XXXX are XXXX my credit score. i disputed this with XXXX as well and it went in my favor because i am protected by XXXX  with safer credit building. the reporting agency have no respect fot the code of conduct the law or care to follow policy do not feel safe with them on my report
Product: Checking or savings account

I have been charged several overdraft fees of {$35.00} when I had funds and once these fess posted my accounts ended up in the negative. I also recently encountered an issue when {$100.00} was withdrawn from my account. Wells Fargo has told me that the case had been resolved and a flaw was detected. 1-2 weeks later I receive an email saying my account was in the negative by {$100.00}. Wells Fargo has reversed my claim. when I spoke with them over the phone they stated that there was nothing they could do and that if I felt like someone stole the money from my account I will then need to file a report through law enforcement as they are the only ones that may handle these type of cases.
Product: Debt collection

Commenity Bank continues to call my parents even after I filled a complaint. On XX/XX/20 they called and told my parents they were going to sue me. This is an illegal tactic.
Product: Debt collection

Contacted them and ask them to show proof of debt was never provided with any thing and now I have negative reports on my credit