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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX PL XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate information as concerning bankruptcy that was dismissed
Product: Mortgage

Due to COVID related issues my loan was approved for forbearance for three months. After the three month period ( XX/XX/2020 - XX/XX/2020 ) I resumed making my mortgage payments. Ameris Bank ( mortgage lender ) ensured me that my forbearance was approved and I would receive the agreement via mail within 30-45 days. I have not received the forbearance agreement with the correct dates, nor have I received options for payment plan. Additionally, I am refinancing through a different lender, and my payment information is being reported incorrectly. It is being reported that my payments are still past due despite the approved forbearance and the skipped payments are being made three months after. I have called Ameris numerous times without resolution to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, my Wells Fargo debit card gave me an alert saying I was charged with an unauthorized purchase that I didn't make. When I checked my account, someone purchased an amount of {$51.00} and {$80.00} on XXXX and {$150.00} on XXXX in my account which I didn't authorize. I called immediately Wells Fargo and filed a dispute. I was told I would get a call from them concerning those purchases. I waited about 13 days and they gave me a provision credit because I needed the money. I waited but did not get a call so I called them and they told me it was still ongoing. I called again a few days ago on XX/XX/year>, and they said to me that the case was closed and did not see it as an unauthorized purchase and that I made those purchases. I did not make those purchases and requested evidence or findings as to why they made that conclusion. My provision credit was taken away and my account now has a negative balance. I asked for their manager but said they were not around.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY all not mine filed to ftc XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record XX/XX/XXXXPayment History potentially negative icon Potentially Negative StatusCollection account. {$1500.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1500.00} Date XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance- Date XXXX Dispute Installment Loansshow tooltip button XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$940.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$24000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. 
Account TypeCell Phone Balance- Date XXXX Dispute
Product: Credit reporting or other personal consumer reports

XX/XX/year> I Opted-out third party reporting & Credit Reporting Updates Transunion XXXX XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my account was reported 30 days late when in fact when they are suppose to report late 30 days past due date when it was only 14 days. 

BMWFS services. 

I disputed this account multiple times and they refused to fix my account.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are showing a chargeoff with XXXX XXXX XXXX. The account has been paid in full as of XX/XX/2022. Please remove the account for my credit reports since the information currently reporting is incorrect.
Product: Debt collection

for several months I have a problem of fraud and identity theft, and had to make several police reports and ftc also reported fraud alerts in my credit reports, this WSFS XXXX  account is not mine, it is a fraudulent account that this company.
Product: Credit card or prepaid card

I am a small business owner. 
My Chase credit card terminal ( merchant services ) was stolen from my office at XXXX XXXX  on XX/XX/22. After finishing up with police and CSI for fingerprints, I called Chase merchant services to report that my terminal was stolen and asked them to de-activate my terminal and to stop any transactions from XXXX XXXX  that morning. I told the rep from Chase merchant services that all transaction from XXXX XXXX on XX/XX/22 were un-authorized. Do not dispersed that funds because they are unauthorized by the owner myself. The rep from Chase told me that since I called and reported this incident at XXXX XXXX on the same day, the funds from my account were not settled yet. So that Chase was able to stop the transactions from the criminals. ( The rep told me that from XXXX to XXXXXXXX XXXX, there were 25 refunds and charge-backs back to some unknown accounts and stolen credit cards ). However, the next day, those criminally acted refunds and chargebacks were still dispersed into those criminals ' accounts. My checking account which linked to Chase XXXX terminal ( merchant services ) was wiped out clean 24 hours later. I lost all of my savings just like that. I contacted Chase several times, informed them that those were un-usual activities and large amount of money per transaction that I had never done before for the past 5 years that I have done business with Chase. Chase should have noticed those un-usual activities and contacted me before Chase dispersed those un-authorized funds to those criminals. All Chase reps said was that they can't do anything to help. 
Chase reps and bankers all are aware oXXXX XXXX  of their terminals being stolen every year. And police department of CA all are aware of this type of criminal activity of just stealing credit card terminals from small business owners. Thousands of small businesses owners being hurt by this and big bank like Chase are not doing anything to even stop or trace those un-authorized funds. Please help me and help those small business owners who are doing their part of running a business, pay taxes and trusting their hard-earned money to big bank like Chase. And all I heard from Chase was Chase can't do anything about it. Chase owned and engineered those XXXX terminals that I trusted to use them. But at the end, that terminal that I bought from Chase wiped-out my life savings.
Product: Debt collection

Transworld Systems Inc FDCPA Violations FDCPA violations and CONSUMER LAW violation to TRANSWORLD SYSTEMS INC using 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Communication with third parties XXXX, XXXX, XXXX 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs. 

( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ) of this section, the court shall consider, among other relevant factors -- ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector 's noncompliance was intentional.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally report an ongoing issue I have been dealing with for the past two years regarding fraudulent accounts on my credit report. Despite my consistent efforts to resolve this matter, I am still being held responsible for accounts that were opened in my name without my authorization.

I have been in contact with the creditors and credit bureaus repeatedly over the past two years, explaining that the accounts in question are not mine and were opened fraudulently. I have provided documentation, including identity theft reports and police reports, to support my claims, but the issue remains unresolved. These fraudulent accounts continue to appear on my credit report, severely affecting my credit score and financial wellbeing.

I request that the CFPB intervene to help ensure these fraudulent accounts are properly investigated and removed. I am seeking assistance in ensuring that my rights are protected and that the proper steps are taken to address the fraudulent activity on my credit file.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX
Product: Vehicle loan or lease

Thank you for taking the time to help out with this matter. I have been a NAVY FEDERAL CREDIT UNION member for more than 5 years and It saddens me that I may need to close this account due to my human rights and as a consumer, infringed on. I have asked NAVY FEDERAL to provide me with my ORIGINAL negotiable instrument, yet I was sent copies. I have sent a NAVY FEDERAL number certified letter, with return green slips. All have come back ; still no response. The goal was to find, verify and validate my current agreement, making sure I am paying for something that is not a tax or interest incurred, or my contract being sold days after my purchase. My negotiable instrument has been destroyed confirming with a NAVY FEDERAL representative phone call in XX/XX/XXXX. I have waited longer than three months for a response. While I wait, I still am faced with damages considering fraudulent reporting to creditors, stopping any transaction that needs my credit report. NAVY FEDERAL continue willingly ignore me, FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, to not update inaccurate information on my act and to third party credit bureau 's, failed to respond to ALL of my letters, FCRA Section 611 Part ( A ) ( 1 ), and continue to misrepresent themselves and power. FDCPA Section 809 ( b ), FTC opinion letter XXXX  from XXXX. Under 15 USC 1692A, B, C, D, E, F, G, AND, J were broken. All in all, as a consumer my rights are still being infringed upon, my financial standing has taken a toll for now the worst due to this negligence.NAVY FEDERAL continues to claim they are the true lien holder, I have claims and evidence that I have no liens against my name. 
The solution I am demanding is back pay of lost finances, taxes, and interest incurred on my name from trades on my name, total closing of my account as well as my vehicle loan. on said account or totaling my loan out to XXXX $ as well as refund of all taxes, interest, incurred from trading on my name, IMMEDIATELY.

I thank you for your time. 
XXXX
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX-Balance {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The list of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under USA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I viewed my Equifax credit report on XX/XX/2024, and notice some things are incomplete and inaccurate, and according to the Fair Credit Reporting Act whenever a customer reporting agency prepares a customer report it shall follow reasonable procedures to assure maximum possible accuracy of information considering the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 [ 5 they are supposed to do thi ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Reporting Agency is allowing accounts that are not mine to exist on my credit report when I have contacted the creditors and they can not verify any information about me to prove that the accounts that are not mine.
Product: Credit reporting or other personal consumer reports

On late XXXX or XXXX I notices someone opened a Barclays credit card under my name! I immediately called the bank submitting a dispute and complain explaining that this card was opened fraudulently and that it was not mine. They said that I shouldnt be a problem, they were going to investigate and that resolution will be communicated to me. I never received this information and 3 days ago I see my credit report losing XXXX points and they reporting the card is delinquent etc. I called the bank and aparently they denied the dispute and say I am responsible of this debt and that the investigation was closed and they cant do anything. If I wanted to submit a dispute with you than do it but they had nothing else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the court that Transunion claimed they verified a XXXX XXXX  bankruptcy Reference Number ( XXXX ) reporting on my credit profile. The court stated that they do not report information to credit reporting agencies and XXXX XXXXXXXX. They also stated that they do not verify information with credit reporting agencies. I have sent Transunion documentation that they ask for to remove this public record. but it has been removed or verified.
Product: Debt collection

On XX/XX/2021 at XXXX, I signed a contract to build a Sunroom to my home and was told that payments would not start until the project was completed. The project was never started and I received numerous calls from the finance company regarding late payments. I contacted the finance company and was told they did not finance my kind of finance plan. I contacted the Company and was told that unfortunately I placed on the wrong payment plan due to policy changes that were made the first part of the year. I was told there were other plans that I could choose however, I would have to refinance and set up a second plan which would require a higher rate of interest and payments. I requested the account to be closed and was told I would have to pay a cancellation fee of {$9000.00}. This amount is now showing up on my credit report. This has been going on since XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my TransUnion consumer report on XXXX without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXXXXXX to XXXX XXXX XXXX