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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am trying to get a XXXX account that comes directly out of my checking account.
Product: Student loan

Miscounciled and misguided multiple times about my options when communicating my current financial hardship. I was Offered options that were not available to me even after I expressed doubt about those options given and was led to believe my loans were at a status or moving towards a status that would not negatively affect me. In my financial hardship I have contacted them multiple times to work soemthing out until I was able to repay accordingly. Now I am at a point where I do not trust anyone I talk to with this lender because it seems to be getting me nowhere but further and further down. I feel like I have done everything I can in communicating with them and my patience is being tested. My current financial situation is XXXX enough and I have been working towards finding work that can support the cost of living of a single woman on her own. At this point I feel it 's dead end communication in contacted this private loan lender and need help in moving forward with options that are pro active towards bringing me relief during this difficult time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been contacted for the past several months by myself as well as XXXX XXXX to remove XXXX hard inquiries from my Credit report. Attached are letters from XXXX stating this. I have contacted Equifax and disputed these same inquiries 3 times myself all to their denying them. The other two agencies have removed them but for some reason Equifax is deciding to be difficult.
Product: Credit reporting or other personal consumer reports

I reported fraud on my credit report due to some inquiries that were listed on my credit reports that I did not authorize or make. I disputed the items several times, have talked to the companies and no one seems to be able to fix the issue. According to the facts legally these unverified and unauthorized items must be removed immediately. I have yet to have this done. I have company names and dates of each inquiry as well.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX alert saying a hard inquiry was done XX/XX/2023 from XXXX ( XXXX & XXXX ) was the note, I have never used this company and have NOT applied for a loan with any company in the last year. I called XXXX and they would immediately either hang up or forward my call to an automated survey asking if I was satisfied. I still have no idea what this hard inquiry was about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am livid and I am tired of being ignored, violated. Experian is repeatdly lieing to me about verifiying accounts on my report. I have proof and copies, that they have not accurately been reporting, validing the request i send in. I need help in enforcing the rights I have as a consumer to fix these repeated ongoing issues.I have taken the time to list each account for ISSUES and REASONS OF INNACCURATE, UNVERIFIED AND SHOULD BE DELETED. I have provided copies of request that i have certified copies they received with this information dated back to XX/XX/XXXX. 

XXXX XXXX ACCOUNT XXXX ... -- - ( XXXX ) *Reporting late 30 days 23 times! shouldnt it have been XXXX????? 
*if that was the case how is it PAST DUE in XX/XX/XXXX? isnt this reaging? FCDPA VIOLATION *I have been disputing this for months how is the Date of Status XX/XX/XXXX? Violation of FCRA *How and WHY are you reporting payments on a charged off account? 
*why is the chargeoff amount XXXX when you say I am past due XXXX? 

Do you see a pattern of this? This clearly has not been valided, nor verified and should be deleted! 

XXXX XXXX # XXXX .... 
* Date of status is incorrect ( i have been disputing the validation and verification for months ) This provides this account hasnt been updated ( DOIA ) FCDPA and FCRA *XXXX XXXX is the month and date of the inaccurate reported charge off *How is this past due XX/XX/XXXX of XXXX when you charged off the same amount 2 years ago? 
*NO TERMS BEING REPORTED *NO MONTHLY PAYMENT AMOUNT.
Product: Mortgage

I have repeatedly tried to set up repayment plans with Ocwen Loan Servicing after falling behind a year ago. Each time they found a reason to cancel the plan, meaning each new plan was for a higher amount. Today I set up a 5th payment plan, which will take about half of my monthly income to reinstate my account. I can not afford this ; I had a XXXX XXXX injury last winter, two months ' out of work, and hospital bills. 

I have always followed their instruction on payments -- always. But their notes seem to show me at fault for " paying late '', though I have not. 

Please see my attached letter, sent to Ocwen requesting help ( unanswered ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting a debt on my account for a collection that is inaccurate. 
It also has incorrect information reporting. 
The amount is XXXX $ and XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized/unverified accounts, and inquiries on my credit report
Product: Credit reporting or other personal consumer reports

I did not provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 

In addition, I have attached documentation for public records in accordance federal consumers law U.S.1681b.this information is clearly being intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. In addition, the reporting agencies removed all accounts per previous filing and placed them back on my report without any written notice within allot time frame of 5 day.s XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANKRUPTCY Also, please correct and remove all names that are not associated with my legal identification. All documents are attached.
Product: Debt collection

This is a second time I am filing a complaint please refer to the previous file # - XXXX as I am asking to reopen and review with more proof. 
I never got XXXX $ loan from rise and from what now XXXX XXXX XXXX is accusing me of sending made up amount. 
Please see more attached screen shots for proof. Even a proof of my XXXX XXXX from the original creditor that also shows a different amount. I will dispute this with XXXX and my state attorney general as well They claim and have false papers on the amount that was lended to me from Rise who is the original creditor. 
Please see a screen shot from my statement from MY bank with the amount that was loaned to me it is not XXXX. That is the biggest proof as it was a direct deposit. Also whe is the previous documents with payments starting in XXXX  as that is when this {$2000.00} was deposit to me. Not once I had received XXXX. So that is all a LIE. See attached sheets with deposit dates amounts and payments dates from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To all those concerned, I'm not happy. For that matter neither is my husband. He just re-filed a complaint yesterday and now I have to file one as well. We don't know what it's going to take to have the credit bureaus delete accounts from our credit reports which are wrong. Recently they responded to both mine and my husband 's complaints with letters saying to be more specific with our disputes. We were very specific when we were mailing out letters to them all these months. How can they get away with this? How can you let them? Do my husband and I have to take matters into our own hands and sue them?
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. XXXX XXXX XXXX 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

LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Reporting of Driver 's License Status Dear LexisNexis Consumer Center, I am writing to formally dispute inaccurate information contained in my consumer report maintained by LexisNexis. Specifically, it has come to my attention that your records indicate my valid drivers license has been expired since XX/XX/year>. This information is incorrect and has the potential to cause significant harm to my reputation and financial standing. This has significantly impacted my auto insurance rates. 
Factual Discrepancy : My drivers license ( License Number : XXXX, issued by the State of Washington XXXX DC ], is valid and has not been expired. I have attached copies of my current drivers license and any relevant renewal documents to confirm the accuracy of my claim. 
Applicable Federal Laws : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., LexisNexis, as a consumer reporting agency, is obligated to ensure the maximum possible accuracy of information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ). The inclusion of erroneous information, such as the expired status of my valid drivers license, constitutes a violation of this obligation. Moreover, failure to correct such inaccuracies within 30 days of receiving this dispute would further violate FCRA Section 611 ( 15 U.S.C. 1681i ). 
XXXXinancial and Legal Consequences : Providing inaccurate information that causes harm can expose LexisNexis to liability for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and legal fees under the FCRA ( 15 U.S.C. 1681n and 1681o ). This inaccurate reporting may also result in additional claims under state consumer protection laws. 
Requested Action : I kindly request that LexisNexis take the following actions promptly : 1. Investigate this matter and correct the erroneous information about the status of my drivers license.

2. Provide me with a written confirmation that the error has been corrected and the updated consumer report reflecting this correction.

3. Notify any third parties who have received my consumer report in the last thirty-six months that the erroneous information has been corrected.

Enclosures : 1. Copy of my certified driveling record I expect a response to this dispute within 30 days as required under the FCRA. Please direct your correspondence to the contact information provided at the top of this letter. If this matter is not resolved promptly, I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursuing legal remedies. 
Thank you for your immediate attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2019 I received an email notice that a transfer into my Wells Fargo Business Checking Account had failed because the account was closed. I called Wells Fargo the next day to find that the account was closed for inactivity. However, the account had been active and I had been primarily accessing the account through ACH transactions ( payments from customers as well as payments to credit cards used in my XXXX   business ). I was informed that the account could not be reopened once closed, despite the acknowledgement that the account was clearly active and appeared to be closed in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to respond to my dispute letter of XX/XX/2022. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since Equifax received that letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all of my correspondence with Equifax. I have also mailed them detailed information about their failure to respond along with a copy of the original letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I read over my credit report and found that some of the data was incorrect. These itemsmust be verified by the 3credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting itemsas unverified information without offering any justification within the legally permitted time frame. My credit report lists the following itemsthat require investigation and correction for inaccurate reporting 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
Product: Checking or savings account

On XX/XX/XXXX of 2021 XXXX XXXX closed my checking account that ends in XXXX. 
As of today, XX/XX/XXXX of 2021 the funds have not been received by me that were in that account. 
I have been told numerous times on the phone that is 5 to 10 days to receive the check I have called numerous times to every number I was given by BMOHarris to try to get an answer for this and they continue to Stonewall me. 
This is intolerable, this is totally unprofessional.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX was transfered from my chime account though a XXXX XXXX app. 
I disputed the tranaction and they said there was no error and sent a report i do not know the person the money was sent to and only got a partial name and number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX  has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Violation of The GLBA ( Gramm-Leach-Bliley Act )
Product: Credit reporting or other personal consumer reports

these inquires are from creditors i dont know are do business with 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 XXXXXX/XX/XXXX
Product: Credit reporting

I have a collection on my report that does n't belong. I called them to let them know that I paid that collection off with another agency. I have a letter from the company that I paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax and XXXX XXXX numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.
Product: Checking or savings account

I discovered my savings and checking account with Capital One were frozen and I could not withdraw any funds from them on XX/XX/XXXX. The bank sent no notice about freezing my accounts either. I called the bank to find out why and fix the problem. After hours on the phone I was told to call back. On XX/XX/XXXX i called the bank again and spent hours again on the phone with them to finally be told after verifying my identity that until their investigation is done I am denied access to my accounts. I told them I needed the funds in the accounts for today for my business or I will lose profits and risk losing accounts I have for the business. They still told me I could not access my accounts. They also refused to provide information of why my accounts were frozen or a time line for when they will finish their investigation. This is now costing me revenue and hurting my business.