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

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

Today, I came across incorrect accounts on my credit report and have no explanation for their appearance. As part of my routine, I checked my credit report, but this time, I was shocked to find discrepancies. I tried refreshing my browser, thinking it might be a temporary issue, but the errors did not go away. Due to this, I request a detailed examination of the documents I have submitted so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX Please send me the proof that I neglect paying this account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported dates, payment status, and history are reported inaccurately. Please provide me with the original papers to prove that this is accurate. 

XXXX XXXX XXXX XXXX  Can you provide me with the original papers to prove that this account is accurate? If you can't prove this, please DELETE ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with the pieces of evidence that this account is accurate. You're the only bureau reporting this account like this.
Product: Credit card

Bank of America , N.A . closed my BankXXXX XXXX XXXX XXXX XXXX card account ( among others ) without the 30 day notice required under XXXX law and confiscated XXXX " travel reward '' points that I had available at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts listed below has violated my rights. 
15 U.S.C 1681 Section 604 A states I have the right to privacy 15 U.S.C 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I didnt receive proper notificationof the collection, I didnt have opportunity to dispute this account, I didnt receive letter or and option to respond to this account if Exeter finance sent my a letter can Exeter Finance please send proof of the letter signed via mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : AMERIHOM MTG XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Checking or savings account

Mercury Bank closed our business checking account on XX/XX/XXXX for business XXXX On XX/XX/XXXX they issued a check for the funds that were held in the account which we never received. The check was XXXX ) sent to the wrong address and never delivered XXXX ) addressed to an old business name. 

We have reached out to Mercury support 5 times to have the check reissued and they've continuously directed us to the compliance team. The compliance team only sends us templated emails and refuses to help.
Product: Money transfer, virtual currency, or money service

Square Inc. is holding {$870.00} of my funds for XXXX  days. 

They gave me no reason why they closed my account in the date of XX/XX/year>. 

The money in the amount of {$1500.00} was sent to me by the state of Michigan. I had access to the funds for XXXX weeks and used {$600.00} already. 

Randomly they closed my account and telling me I have to wait XXXX days to get my funds.
Product: Money transfer, virtual currency, or money service

I was the victim of a phishng expedition on XX/XX/XXXX by someone claiming to be XXXX security. They scammed my bank account after asking for a screen share. I lost over {$12000.00}, I went immediately to my bank branch and my personal banker filed all the necessary claim requests and changed my bank and credit card numbers instantly. The bank investigated and said the transfers went to accounts at XXXX XXXX BUT alas said they could not refund as the scammers made it appear I authorized the transfers... .which I did not. They informed me of the bank policy on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been trying to correct errors on my credit report for months now and Experian finally removed a XXXX account, then added it back without notifying me. XXXX has yet to provide the validation documentation I requested .... which includes proof that every single statement was sent TO ME within 21 days of the due date. I don't believe they did this, if they had I could've caught it earlier.
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 Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged 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. 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. CFPBXXXXXXXX XXXX XXXX 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: Checking or savings account

My savings account at Umpqua bank was switched into an employees name. This employee was XXXX XXXX and was my girlfriend at the time. XXXX forged my signature card and transferred the account into her name. I was unaware of this until we later broke up and my account was no longer accessible to me. I suffered a loss exceeding {$7000.00} from this fraudulent act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Credit Card account ending XXXX I settled and closed this account in 2013. The high balance was {$1600.00} ( see attached statement dated XXXX ). After agreeing to settle and close the account XXXX has continued to report a high balance of {$13000.00}. I have disputed this many times to all 3 reporting agencies. Last fall I initiated a dispute with CFPB which triggered a change in reporting. However, Now XXXX is reporting a high balance of {$13000.00} in XXXX ( see attached report from XXXX  ). Not only are they still WRONG they have moved the date this will clear from my credit reports 4 years into the future further damaging my credit. Please help me get this cleared up. It is high time this account is completely removed from my credit reports.
Product: Credit card or prepaid card

On XX/XX/2018 I applied for a HSBC Cash Rewards Mastercard credit card online that was advertised to me via mail and was approved. About a week later I received the card and activated it. When I tried to make a purchase on the XX/XX/2018, it was denied. I called the credit card company on this same day ( XX/XX/2018 ) and the first representative told me she had to transfer me to someone in the fraud department. The lady in the fraud department told me my that my account was flagged since my cell phone number could not be confirmed in their system. I provided my home phone number to her, she called me back on my home phone number, and then proceeded to tell me she also needs my license. She sent me an email to which I was supposed to respond with a picture of my driver 's license to further confirm my identity. I responded with a picture within less than a minute of receiving this email from XXXX. This representative promised they could even take care of the situation that same day. I have not heard from the company since. Every time I call I am put on hold for hours and can not get through. When I do reach a representative, they insist that I need to be transferred to someone above them.
Product: Debt collection

Upon reviewing my credit I noticed I had a collection account from XXXX XXXX XXXX that did not belong to me. I tried reaching out to the rental company that it said I owed XXXX XXXX XXXX XXXX but they are no longer in service. So I then called the collections agency and asked what can I do to prove it wasnt me. He said & I quote, Nothing. Because it was you. So you need to pay it. I told him that in fact it was NOT me and the address had already been proven to be false ( XXXX  removed the address belonging to the apartment due to fraud ). He then said, I have proof here that it was you. I have your signature. I asked, Okay & what do you have to compare it to? Cause it wasnt me. He then said, Seems like you got it all figured out & hung up on me. Ive never lived at the address from the apartment complex. Which is why XXXX  removed it. XXXX  even completely removed the collections account DUE TO FRAUD. At this point I dont know what else to do. Ive never lived at those apartments and the National Credit System people are not trying to work with me to prove to them that the account doesnt belong to me. He literally told me no matter how hard I fight it or what I do, they wont remove it.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report. These are the the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Amazon/JPMorgan Chase ( `` JPMC '' ), I applied for a Amazon Visa card in which by not approving me when i have 100 % payment history and owe no debt to JPMC, not to mention I have a preliminary hearing tomorrow in an arbitration claim that one of the reasons was issue just as this one. I am done playing games and sick of being harmed. As soon as I seen JPMC was the bank that was behind the Amazon card I made sure I took screenshots because i predicted this would happen. I was buying a new phone and accessories in which i was going to get I believe it was like 40 % of my full purchase. Of course, JPMC sends me an identity theft report claiming thats why it was denied and not approved. Knowing, that I have already had to issue a default to JPMC for a reason similar and not providing me requested documentation which was abiding by the law. I am writing this regarding that Amazon credit card application which in my belief was an strategic action, thinking they can have an argument after denying me ( and yes, denied, i was not approved and I am attaching harm caused ) if they send me an Identity theft protection notice, reference number on the identity theft notice ( XXXX ). Knowing they had no reason what so ever to think identity theft. I have much more evidence in my XXXX arbitration claim that just strengthens my claim and this because of all the wrongdoing they keep doing and how it adds up there is no denying it. So, that application I submitted electronically on or around XX/XX/2024, which has been denied, trying to be masked by that Identity theft notice. From my application which was not approved, and me continuously being harmed, I am requesting the immediate return of any deposits or securities related to this application. 
As no specific information was provided regarding the amount of the deposit or the terms for its return at the time of the denial, I hereby request a full accounting and prompt refund of all such funds. This request is made pursuant to applicable laws, including the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ) and the Truth in Lending Act ( 15 USC 1601 et seq. ), which govern such transactions. 
Please provide a detailed statement showing the total amount to be refunded, including any interest accrued. This will ensure the refund is complete and accurate. I expect this matter to be resolved promptly and request that the funds be returned within 10 business upon receipt of this complaint. 
Should there be any delay in processing this refund, I will take the legal actions that is needed. I will mention this at my arbitration preliminary hearing. Giving them notice of this issue as it will be an exhibit regardless. But, I am requesting for the immediate return of any deposit or securities held in relation to this application. Failure to address this request within the 10 days will compel me to make another claim to retrieve my funds. Even though I am beyond stressed and frustrated and sick of being violated. I do thank you for your immediate attention to this matter. I look forward to your prompt response and the satisfactory resolution of my request. 
Respectfully Submitted, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, & XXXX failed to comply with the Fair Credit Reporting Act. Experian failed to contact my credit grantor and provide proof of my indebtedness. I requested all three companies not to use automated verification or the e-Oscar system to verify my accounts of indebtedness. Experian, XXXX, & XXXX all failed to remove the incorrect addresses, inquiries, and accounts from my records eventhough they reported that they had removed some of the items. The items reported to have been removed were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to delete some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

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

This is the third time I have had this dispute with Equifax. I am disputing a debt with XXXX XXXX XXXX. I have offered evidence that I only owe {$350.00}. XXXX XXXX validated this evidence on my credit report with Equifax. Then 2 days later XXXX XXXX is claiming that the balance they validated to be correct was not correct after all. Equifax has favored with XXXX XXXX. Equifax is saying that I am a liar and XXXX XXXX is telling the truth. They have not called me a liar but thats what they are doing. I want to know why Equifax thinks XXXX XXXX evidence is more credible then mine when XXXX XXXX went on record with XXXX and XXXX  and validated my claim of {$350.00}. The balance of {$350.00} is still showing up on my XXXX and XXXX  credit report. ( see attached documents. ) XXXX XXXX tells XXXX  and XXXX  that my balance as of XXXX the XXXX is only {$350.00}. That balance is still current. So either XXXX XXXX lied to XXXX  and XXXX or the lied to Equifax because they are reporting different things to all 3. If they are telling Equifax one thing and XXXX  and XXXX something totally different then why is Equifax giving their evidence more credibility than mine? What makes XXXX XXXX evidence more credible then mine when XXXX XXXX themselves validated my evidence. I want Equifax to remove XXXX XXXX trade line from my credit report. Its obvious XXXX XXXX is not credible if they are reporting 2 different stories.
Product: Checking or savings account

I was at work and started getting notifications so I look at my phone and XXXX dollars was withdrawn from my account so I called immediately and reported it, I was told this happened in XXXX and I'm at work in XXXX and I only have 1 card and it was with me, they denied my claim said they couldn't find any errors, I asked for the copy their findings on their investigation because there was an error and I still haven't received anything about the investigation and if they really did investigate they could have seen who was at the ATM withdraw money and I could have pressed charges I don't think they did investigation there's no way that they couldn't find the error
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  claim number # XXXX Dear Sirs, I have a complaint to file in regards to my XXXX XXXX Line of Credit. I am XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 

I have contacted the credit agencies as well as XXXX directly with no resolve. 

My XXXXXXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 

In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 

I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 

XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 

I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 

Please let me know when and how we can rectify this. 

Thank you, XXXX XXXX
Product: Mortgage

My mortgage loan was bought out by XXXX XXXX  prior to XXXX of XXXX from XXXX. XXXX XXXX  within a week of XXXX closing my loan, my credit score tanked by over 70 points. I waited and expected XXXX XXXX  to report my loan in good standing the following month, but this did NOT happen. With an abundance of caution, I mistakenly waited until early XXXX to verify one more time to see if my loan would be reflected in my XXXX credit score. Unfortunately, XXXX XXXX did not report my loan in good standing again. 

On XXXX XX/XX/XXXX I contacted XXXX XXXX  informing them of my concern and asking that they rectify the discrepancy. On XXXX XX/XX/XXXX I received a message from XXXX XXXX XXXX XXXX ( attached ) informing me that they will NOT take any action until early XX/XX/XXXX. I contacted XXXX XXXX  by phone on XXXX XX/XX/XXXX and after a length conversation with their " customer service '', they stated their policy of not reporting to credit bureaus for a period of 90 days is hard and fast and can not be changed. 

For personal reasons, I need a good credit score. XXXX XXXX  is unfairly preventing me from pursuing actions I need to take in my life because of their discriminatory policy of not reporting to credit bureaus in a timely manner. 

I did not ask for XXXX XXXX  to sell my mortgage to XXXX XXXX and I do NOT deserve to have a negative credit score/history as a result of this action. I expect XXXX XXXX   to rectify this reporting injustice and, necessarily on a case by case basis, report mortgages in good standing if so requested by the owner of the mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 7 unauthorized accounts and 11 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

ACCOUNTS - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) , and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.