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

XXXX, XXXX, and XXXX, PA a XXXX XXXX XXXX law firm sent me a Notice of a Data breach which occured in XX/XX/XXXX. However it was not made known to me until XX/XX/XXXX. My date of birth, social security number, driver 's license number, financial account information, medical information, etc had been leaked. 

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I've placed a freeze on my credit report with all three credit reporting agencies.

15 U.S. Code 1681e ( 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 to whom the report relates.

15 U.S. Code 1681i ( 5 ) ( Treatment of inaccurate or unverifiable information ) ( a ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 1. Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the credit consumer. 
Please remove the following accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i submitted my dispute for extra information XX/XX/XXXX they updated report as compared said it was accurate.
Product: Credit reporting or other personal consumer reports

If you have a legal dispute on your credit report, and you send TransUnion all kinds of documents to prove that you are a victim, TransUnion will notify you and tell you that your dispute are frivolous, and TransUnion has been giving me the same answers for years. 
I've submitted a copy of my police report, ID Theft Affidavit, and numerous letters from other creditors that done their investigation and cleared me, those are the letters I've been sending to TransUnion, and I also sent a letter from the IRS stating that my Identity was compromised. 
When you talk to a live agent, either they can't understand English or they were trained to not take your claim seriously, and this have became a very huge problem with TransUnion. 
There's some items on my credit report that I've disputed as a fraud account, sent them documents, and they either didn't send the original creditors your information, nor did it get sent at all. 
Bottom line is, this has to come to attention of someone higher than the person in charge now. I will also be consulting with an attorney just for information.
Product: Mortgage

I recieved exception on my property taxes on XX/XX/2021 from XXXX County Auditor office through Homestead. I contacted PHH Mortgage and faxed them the certificate on XXXX and again on XXXX. I followed up with a call on XXXX and several times after that. they for whatever reason are refusing to adjust my property taxes.
Product: Credit reporting or other personal consumer reports

Dont recognize a hard inquiry from Informative Research . No authorization given.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made an on-line purchase using my credit card at Kohls. I never received the items. I reported this to Kohls on XX/XX/XXXX. I also found out that that the shipper Kohls contracted sent the package back to Kohls and I have proof of this. I asked that the order be canceled and my account credited. On XX/XX/XXXX I received a phone call from Kohls about my late payment. I spoke to XXXX ID # XXXX who told me it did not matter whether I received the product, I still had to pay for it! On XX/XX/XXXX I called and spoke to XXXX ID # XXXX and she assured me that this would be taken care of and gave me a reference # XXXX for this. 
On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score had dropped more than 60 points because Kohls reported my account as non-paid. I immediately called Kohls and spoke to XXXX ID # XXXX. She said that my account had been credited for the items I did not received on XX/XX/XXXX. However, I was being charged late fees and interest. Huh? Late fees on a balance I did not owe??? I would like to add that I reported that I did not receive the items ordered before the end of the billing cycle. I do have documents from the shippers that I can provide by mail. I tried to include them here but I was not able to scan and send them successfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, creditors have violated my rights under 15 U.S.C 1681 SEC 602 states 'I have the rights to privacy ''. 15 U.S.C 1681 SEC 604a SEC 2 " A consumer report agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I came to notice a check fraud on my business account XX/XX/2019. A check number XXXX was cashed out of my account in the amount of XXXX dollars. I recently changed the name to my business legally and made changes with the bank as well. New debit card and checks were ordered. Debit card was received in the specified time of arrival, checks did not. I am a XXXX driver, so I was out of state when the checks came in the mail. Checks were stolen from the mail box and cashed. I called the bank to notify of the transaction and filed a claim. The check does not have my handwriting nor my signature. I was given 3 to 5 working business days for the investigation to complete and refund of the money. I called in Wednesday and was told to wait until Friday. I called Friday and was told that bank was prolonging the investigation to 30 days. Bank has failed to provide information and return money by their given timeline. Bank is at negligence for not checking for the correct signature and preventing my account from fraud transactions.
Product: Mortgage

Green Tree Servicing LLCXXXX XXXX XXXX XXXX, XXXXXX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXXRe Acct. XXXXTo whom it may concern, By law a mortgage company is required to send monthly statements to its customers. I have not received a statement from your company since XXXX of 2015. I have filed no bankruptcy, nor have I changed addresses. I have called two different times requesting statements to be sent out and all I receive is hostile treatment by your people. I continue to receive all other forms of communications from your company, so please, immediately send me a billing statement so I can bring my account current. 


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

They pull my credit too many times without my knowledge, I want its deleted from my account, with had negative impact on my account and my life. I want this fix erase and deleted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX XXXX Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : XXXX  Years Late Payment Date : XXXX ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Product: Credit card or prepaid card

Senior Chase employee contacted me to remove inquiries from credit report ( XX/XX/2018 and XX/XX/2018 ). It was only removed from only one of the major bureaus ( XXXX ).
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX. 

I making a consumer report over charges from the city bank. 
on XXXX XX/XX/2022, I purchase a tablet on Sear on line for {$200.00} I call Sear to returne the Item On XX/XX/2022. 
The bank knew that I was in the procces return transaction They did'not consider it.

but the point of all this, is the are charging my card and my bank account twice the same amount of {$200.00} I talk to the Costumer Service Credit, sear XXXX about it and he said the is a printing mistake I send you. a copy that I took from my online account.
Product: Credit reporting

Experian is reporting inaccurate personal information on my credit report. I tried to dispute it online but it would n't come off. 

Incorrect or Misspelled Names : XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent Account Dispute Identity Theft Notification To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report with your bureau. The account in question is a XXXX account, which I did not open and have no association with. I am a victim of identity theft, and my personal information was exposed in a recent data breach. Since that time, I have had to closely monitor my credit report to prevent further fraudulent activity. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( XXXX U.S.C. XXXX ), I am requesting that this fraudulent account be blocked from my credit file immediately. The FCRA requires credit bureaus to block reporting of information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Failure to comply with this requirement may expose your bureau to civil and legal penalties. 

For your reference, I am submitting the following supporting documents : Identity Theft Report The report is titled Drastic and is attached to this request. 
Copy of my government-issued ID ( e.g., driver 's license or passport ). 
Proof of address ( e.g., utility bill or bank statement ). 
As per FCRA Section 605B ( c ), any credit bureau that fails to block fraudulent information upon receiving an identity theft report may be liable for damages, attorneys fees, and additional penalties under FCRA Sections 616 and 617 ( XXXX U.S.C. XXXX, XXXX ), which allow for civil liability and statutory damages of up to {$1000.00} per violation, plus punitive damages for willful noncompliance. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within the legally mandated four-business-day timeframe. If this matter is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursue legal action if necessary. 

Please send me a written confirmation once the fraudulent account has been removed from my credit report. If you require any further information, you may contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Southwest Credit Systems ; Please see the attached files, as the account you are trying to collect on was opened as a result of identity theft, and I would like you to immediately stop collection ( s ) on this account and remove it from all of my credit report ( s ) you placed it on otherwise more action will be taken. DO NOT CONTACT ME VIA PHONE, or I will have my attorney follow up.
Product: Credit reporting or other personal consumer reports

Hi, My car was broken into last year and my wallet was stolen. Somebody was trying to use my ID and SSN to apply for loans and credit cards. Particularly : XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX - XX/XX/year> CAPITAL ONE - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XX/XX/year> That majorly affected my credit score, which was over XXXX. I am trying to resolve it now because I need to apply for small business loan which is impossible with the score below XXXX. I hope you can help me remove those fraudulent inquiries from my credit report. 

Thank you!
Product: Checking or savings account

I have a new debit card because of unauthorized transaction. BANK OF AMERICA allowed a company to charge my account for {$26.00} using that old debit card number ending in XXXX. How is it that the deactivated card was charged???? I NEED MY MONEY BACK TODAY NOT TOMORROW TODAY! Im at work and cant have my morning breakfast so I can take my medication!!! 
Also Ive been on hold trying to talk with someone from bank of America for an hour now!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against ( 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 resolutions requirements under the Electronic Fun Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Each time I applied for XXXX and XXXX XXXX my loan was sold to another company and I'd have to start over, since it was a new lien holder. Each time it was sold my balance was increased by many thousands of dollars. That's not including interest. Then, when I finally do get to be reviewed for XXXX ... I'm rejected. I learned that out of over 5000 individuals who applied, around 200 were approved during the time I applied. That's not very much! 
I also learned that a woman in XXXX recently sued, having been XXXX, ( as myself ) by the SS Department, and she won - despite Public Law 104-134. 
I'm so XXXX that there are times I can't even move or ambulate at all. I'm bedridden  for hours out of the day. Other days I'm a bit better and can get out of the bedroom. I'm XXXX and there's no doubt about it. A XXXX XXXX Doctor through the SS Administration ruled in my favor in a XXXX Federal Court that I'm XXXX. So what's the problem here!? Why am I being denied XXXX and XXXX XXXX dismissal of my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX credit card Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX accordance with the XXXX XXXX XXXX XXXX XXXX XXXX listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency XXXX XXXX an account without my written instructions.
Product: Money transfer, virtual currency, or money service

So I had an initial credit from XXXX XXXX XXXX of {$1000.00}. I have already had a total deposit of 3 people send {$700.00} into my account which made it current to {$290.00}. 
The {$290.00} was obviously still negative because it needed to be brought the current state of a XXXX dollar balance. Well my first dispute on here cash app finally accepted the {$1000.00} from XXXX. Well I had 3 incoming deposits from people that brought my balance down to {$290.00}. I was still negative by XXXX so once they credited me a XXXX it went down to {$700.00} currently. I paid off the remaining XXXX automatically since they credited me the XXXX. From still REPAYING THEM. so after repaying them where is my balance of XXXX? Thats {$290.00} that I should have gotten back from repayment of the XXXX and XXXX thats missing from incoming deposits that was deducted when I was initially negative XXXX. 

I have further attachments below that need to be opened and reviewed. 



So, {$1000.00} credit with a balance of - {$290.00} would bring my refreshed balance to what I screenshotted which still is {$700.00}. The {$700.00} is what is most current I have not touched or cashed out of that balance to prove you guys owe me my balance of + {$700.00} on top of the XXXX credit back from XXXX which was separate. After my initial credit back of XXXX. Meaning my balance with already paying cashapp back would stand as XXXX. The remaining {$1000.00} that has not yet been credited is why I have reported this now twice. Your math isnt adding up. My receipts/screenshots with my balance is proof as well. YOU HAVE ONLY given me a total of {$700.00} when I have PAID THE FULL XXXX BACK TO YOU and you took my credited amount of XXXX while being negative. 

So yes I am short XXXX. From my credit amount from 3 people that sent me a total {$700.00}, and then you taking my XXXX XXXX of XXXX ( - {$290.00} ) which was taken out when you credited me the XXXX which is why my balance is only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has completely ruined my hopes of ever getting approved for anything worth having. the customer service and disregard for someone who is trying to get this problem fixed has crushed my spirit. Not having a credit score and being able to not see what is on your credit report will make a person feel defeated and i feel defeated.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXXXXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account was charged off on the following date : Since
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may fumish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates mas nights as a federal protected consumer NO CONSENI IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 



Fraudulent Accounts XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Account Balance : {$0.00} XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Account Balance : {$2400.00} XXXX Date Of Inquiry : XX/XX/XXXX Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Phone Number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a " satisfied '' XXXX collection on my account and it's on two bureaus. 
They both have illegally re-aged it ( transunion and XXXX ) and XXXX does not report it ( becuase it's erroneous ) XXXX reports positive payments on a paid collection which is not legal or possible. Transunion reports current date of last active status. This should not be on my report abd the bureaus continue to report incorrect information.