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

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX ( Auto Loan ), opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX XXXX XXXX ( Auto Loan ), opened on XX/XX/XXXX ; and unauthorized hard inquiries from Tower Loan on XX/XX/XXXX ; World Acceptance-Greenville on XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.SXXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud. I request that Equifax block these fraudulent items immediately, as required under the FCRA, and confirm their removal from my consumer credit report.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach not only did it effect my XXXX but it also effect Transunion and XXXX. This has cause me tremendous hardship because all of my credit has been exposed and supplying information to my personal credit. Causing me and my family difficulties in everyday life and values and the American dream. If one Bureau is inaccurate then they are all. There's no way we can determined what's correct or incorrect. There's no way in telling how long I been exposed to this data breach and how it will effect me and my family in the future. I'm asking for Transunion and XXXX to make this right by deleting everything off of my credit reports asap. XXXX has admitted that they were at fault and I want XXXX and Transunion to follow suit because they are all using the same info to furnish their. So if one is wrong they are all wrong
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 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 IMMEDIATELY!

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 report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish 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 on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 XXXX XXXX Inquiry Date : XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2023 XXXX XXXX Inquiry Date : XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

I am a victim of Equifax, XXXX, XXXX, XXXX, Social Security Administration Data breach.There are several accounts, inquiries, incorrect addresses, incorrect SSN on my consumer credit profile that is a result from identity theft. Please delete all unauthorized accounts, inquiries, addresses, ssn, phone numbers, and collection accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my cutter report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Debt collection

I have not received a detail of the services provided and the amount owed for what services. I have also been in contact with the debt collector company Im waiting to receive information reported to credit
Product: Mortgage

Numerous errors were made throughout the process of the mortgage, and after 6 months of the broker not being able to close the mortgage, we were ready to switch companies and upon 3rd party review were told the way the loan was setup was not even legal and could have never gone through. Ward Kilduff 's owner, as well as the persona we had worked with, promised to cover the appraisal to reconcile a bit for the past issues. The closing documents had the charge for the appraisal included, and when questioned, a promise was made that the check would be at closing, it was not. I was then informed it would be in the mail when the package arrived to their office, again it was not. I contacted them XXXX weeks following and was told it should be out that week. Another two weeks have passed and the mortgage person has not sent the check or attempted to contact me. 

I have recordings of all phone calls, emails, and texts to verify.
Product: Debt collection

I currently have mobile service with XXXX and generally pay my bill through my checking account. On XXXX/XXXX/2017 I attempted to pay my bill using a new checking account open in XXXX was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data XXXX. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.
Product: Credit card or prepaid card

I have a US Bank Secured credit card with a {$2500.00} deposit. I provided notice to US Bank 59 Days Ago to close this account and return all deposit remaining. They have to this day still held all monies due me. 

They are now charging me both interest and late fees when they have already inactivated the account 45 days ago. This is fraudulent as they have stopped usage on the account and now will not refund security deposit less open balance equal to {$1300.00} due to me which includes a refund of {$18.00} in interest and {$27.00} late fee payment. The remaining balance {$1100.00}. 

They are to refund these erroneous charges and return the {$1300.00} at once. They have held this deposit for way to long and at this time they are stealing money from this consumer. I have all documentation needed to prove up both the request for closure as well as the dispute of charges with no follow-up to resolution.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Auto loan opened at XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX under account number ( private ) credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the account number ( private ), a credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the account number ( private ), a loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XX/XX/XXXX are the result of identity theft and fraud.
Product: Debt collection

This debt collection agency called me XX/XX/2021, XX/XX/2021, and XX/XX/2021. Ive told them several times that Ive been In contact with my insurance company and my insurance company was handling everything on their end to try and correct this. They kept telling my insurance kept denying payments when I just talked to my insurance on XX/XX/XXXX about this and my insurance company told me that it would take several days to take certain things in affect. I told the debt collectors on XX/XX/XXXX that I literally called my insurance company on XX/XX/XXXX and told the debt collection agent that my insurance company said it would take several days to resolve and respond to me the debt collector told me that they will deny it again like the last two times. I told them on XX/XX/XXXX to no longer contact me through voice calls and only through mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account, filed a police report, and also submitted a FTC complaint. 
Upon reviewing my credit report in XX/XX/XXXX I noticed six separate fraudulent accounts ranging from credits cards to loans. I have been successful in removing some items but I continue to see an item show even after my repair attempts. Account in question : XXXX XXXX XXXX XXXX Account # : XXXX, opened on XX/XX/XXXX, with a credit limit of {$15000.00}. The account showed closed XX/XX/XXXX with a high balance of {$15000.00}. I have not nor have I ever gave anyone permission to use my information to open any lines off credit, credit cards, or open any loans.

I also seen 3 inquiries that I have not authorized on my Experian report. 
1. XXXX XXXX XXXX  date : XX/XX/XXXX 2. XXXX XXXX Consolidated date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX I have not applied for credit with any of these companies.
Product: Credit reporting or other personal consumer reports

I hold XXXX credit card with XXXX XXXX, initially with a {$10000.00} credit limit, which unfortunately reported a single XXXX late payment ( which I am disputing ). Recently, XXXX XXXX reduced my credit limit to {$7100.00}. However, TransUnion is now reporting XXXX separate accounts and XXXX late payments, which is inaccurate. I have raised this discrepancy with XXXX XXXX, but after their investigation, they have not rectified the error to ensure that only XXXX credit card account is reported to the credit bureau.
Product: Debt collection

I am currently going through a Federal Case in the XXXX XXXX XXXX North Carolina. 

XXXX XXXX has broken a plethora of Federal laws stated below under the FCRA & FDCPA. They have now shared my personal information with an " attorney '' which is violating my consumer rights. 

XXXX XXXX XXXX has violated the FDCPA on many counts in there " agreement '' provided below. 

Please help me with the proper enforcement of law against the tyrannical corporations
Product: Payday loan, title loan, personal loan, or advance loan

this is the letter i have sent multiple times with no response Dear Sir or Madam, I am writing to formally request benefits under the Servicemembers Civil Relief Act ( SCRA ). I have submitted this request three times previously but have not received any acknowledgment or response from Affirm. 

As an XXXX XXXX servicemember, I am entitled to certain protections and benefits under the SCRA, codified at 50 U.S.C. 39014043. These benefits are crucial in assisting me to manage my financial obligations while serving our country.

I have already mailed a physical copy of my military orders to your office to verify my XXXX XXXX status. I kindly ask that you review my request promptly and provide confirmation of receipt. If additional information or documentation is required to process my request, please inform me at your earliest convenience. 
Please be advised that failure to comply with the SCRA may result in legal consequences under federal law. Under **50 U.S.C . 3912**, financial institutions are obligated to provide certain protections to servicemembers. Non-compliance can lead to civil penalties, including fines, damages, and coverage of legal fees. If I do not receive a response within 14 days, I will have no alternative but to consider pursuing further legal action to ensure my rights under the SCRA are upheld. 

I appreciate your attention to this matter and look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Addendum to previous complaint. Please note, I will continue to file complaints against this company while legal remedy is being pursued. Update, using their online form my payment scheduled for XX/XX/2022 was not processed per my statement as such. I also called and attempted to use their automated service and reception of my payment was denied. Their automated system clearly states that a payment can not be accepted. I recorded this attempted transaction.
Product: Credit reporting 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, XXXX 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 XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My PayPal was account was just limited permanently for no reason That was not fair to me at all
Product: Credit reporting or other personal consumer reports

Your company has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB, Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where your company has neither corrected nor removed disputed items despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as these inactions violate federal law.
Product: Credit reporting

My birth year is XX/XX/XXXX not XX/XX/XXXX The incorrect year is due to XXXX XXXX putting a XXXX bill in my name on XXXX XXXX XXXX XXXX In XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or deleted : 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 XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I ask that you take this complaint seriously, as it is not an error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This is deeply troubling and is causing me considerable stress and anxiety.
Product: Vehicle loan or lease

I am going through a hardship at this time. I specifically ask Bridgecrest for help in putting my delinquent payments to the back of the loan. I was trying to be proactive in requesting help and they still failed me. I was never late with car payments for over 10 years until recently having a separation from my spouse and working through as a single mother getting through some hurdles to get back on my feet with no help. I requested help fr Bridgecrest, but they did not want to provide a hardship plan for me that will help my financial situation at the moment. I attempted to be proactive however they dont work with you the way you really need it. I really needed the help more than ever. The purpose was to retain my vehicle, instead they didnt help me, they just repossess my car with a payment already processing prior to repossession and they still took the vehicle away anyway. I am now in a much worse predicament. Ive asked for help before and now I know certain they wont work with me with my car is repossessed as they will expect full past due payments. Something I cant afford in one lump sum which Ive again attempted to seek help for.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I initially sent written documentation informing the bureaus of the inaccuracies on my credit report on XX/XX/year>, when I received no response to that communication I sent a follow up written confirmation on XX/XX/year>. This timeframe gave more than the standard 30 days for a response to such communication, which is why at this time I am escalating my concerns to the CFPB.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I logged into XXXX XXXX and discovered a recent hard inquiry for credit from CB Indigo. I called the company to dispute the hard inquiry and inform them that authorization to use for my credit was not provided. The last authorized request for credit was in XX/XX/year> for XXXX XXXX. The company took my dispute but indicated that the I would need to dispute with the bureaus. I talked to agent # XXXX @ XXXX. 

I contacted XXXX who informed me that they do not remove hard inquiries and I needed to dispute with the creditor and file a dispute with the FTC. 

I filed a dispute with the FTC as requested. The reference number is XXXX. 

Additionally, I added credit freezes to all bureaus. 

I would like the unauthorized hard inquiry from CB Indigo removed from my bureau.