23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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
Product: Mortgage

Ocwen is attemoting to llegally foreclosed my loan, ignored my complaints, and have sold off the servicing rights to my loans and are trying to initiated the foreclosure process before completing a review of my loss mitigation applicationsFees and the Dates alleged simply cant be for what you stated above due to the fact that your explanation of when the fees could be incurred does not match the timeline of my property and the actual activity there. There is no way certain fees could have happened when you are stating, and I can prove it because I have been living there and can prove that there is no way anyone inspected anything, no maintenance was done. definitions of fees and what there for, but didnt state the ammount of each fee. And the ammount charged for each fee changes seemingly at will for no reason. While the fee title remains the same, the ammount charged for the same type of fee drastically changes. 
.there has been absolutely no communication or effort put in on your part to contact me an alert me that any of this was going on so that I might have been able to prevent these charges from being made. I was prayed upon by your ocwen because of the literal contradictory resistance i have met for 2 years to gain access to the account or find effecgtive communication with them at all. The fact that this account was inherited and XXXX XXXX is XXXX  I believe it was believed by there company that I, and my property could be written off as already won and that yall were just waiting for the time to pass by until they could sieze the property. 
I have not been given any oppurtunity or a fair chance to abide by any terms or conditions, and it is wrong and terrible to think that OCWEN/PHH/XXXX  is and would try to take this from me without giving me a fair shot. 
So no, your fees were not correct and i object and reject their tatement and challenge it fully. 
I am not trying to escape a debt, I am trying to get a fair chance.
Product: Money transfer, virtual currency, or money service

After an investigated review Paypal had decided to close my account permanently and hold {$6200.00} from me for 180 days. I have complied with everything asked and have confirmed shipment as asked. I have several emails stating that my investigation was completed and satisfied and that my funds would be released. I was also told by several representatives that everything looked good then, I received a horrid email contradicting all other emails and phone calls and was told that my funds would be held. 

PAYPAL CASE ID XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX The Department of Education Servicer.I received email notification that my some portion of my Student Loans have been forgiven.I logged into my Student Loan Account.And the balance was $ XXXX.It also stated that there was no payment due at this time. 
I have checked my Experian Account that is still listing a balance of {$61000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Date of request XX/XX/scrub>XXXX XXXX Date of request XX/XX/year> Date of request XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/year> These items are fraudulent and I request them to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Kohls/Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Kohls/Capitol One the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Kohls/CapitolOne whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Kohls/CapitolOne Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

On XX/XX/23 I had a charge on Chase bank statements for {$160.00} that was not authorized by me. I called my bank to dispute the charge and file for fraud and they temporarily put {$160.00} back on my account. Chase sent me a letter on XX/XX/23 to inform me that my claim was denied and they are removing the money from my account. In their letter they stated to contact them if I would like to request the information used for their research. I called again and was given no information as to why they denied it. The representative said that I can mail them additional proof for this charge. The charge said it was from " XXXX XXXX XXXX CA XXXX. The only company I had found was a shop on XXXX. I don't have an XXXX account and have never made a purchase on there. I also include my transactions from my XXXX account to confirm that I had never made a purchase with those dates, amounts, or company. Weeks went by and I never received a call, email, or letter with any information so I called again only to be told that my claim was still denied and they can not put the money back on my account. This should be illegal. Each time I called every representative gave me contradicting information with no solution. They would not give me any information on the company that took my money and I was not able to find a phone number or address online so I still have not been able to contact " XXXX '' to resolve this issue. This would be my last hope in getting my money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX - {$7000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, S
ection 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX  XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX   XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquiry on my report that I never authorized, I have not signed or applied to that creditor who posted hard inquiry on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. I have called to Equifax for this matter and they claimed that they didn't receive my complaint. Moreover they been saying that I have to dispute this item directly with Creditor. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this inquiry is being disputed is because it was not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record. The credit reporting agency has attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX XX/XX/2022 this item above should be removed from my report immediately. Please note : I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC repo
Product: Consumer Loan

Company sent me a letter on XXXX/XXXX/XXXX in the mail saying that I was 23 days delinquent in the amount of {$130.00}. I called about it and they said it was from XXXX. I have never received any correspondence about this amount I have however been sent one letter about my late payments in early XXXX and nothing about this amount was ever mentioned to me or has been sent to me.
Product: Credit reporting

It says on my report that i have an outdated issue with XXXX XXXX bank on XXXX XXXX, 2013. This can not be me, my grandmother just passed away a week before this and i have NEVER had a credit card. To this day i have no credit cards, so i do n't understand why it is on my report. i had a great credit score and now its very bad and i 'm afraid someone might have stolen my identity for a card from this XXXX XXXX bank. please help me i have no idea who to contact.
Product: Credit reporting or other personal consumer reports

I called the companies XXXX XXXX XXXX, 2024. I asked to delete all names that are not mine, addresses that aren't mine, birth date and social security numbers that aren't mine. The information was not taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

Today ( XX/XX/19 ) I am tried to get Equifax to unfreeze my credit report for loan. I tried to do it online, but got an error message that gave me a phone number to call. I've called the number 4 times. After giving my identifying information, the automated phone system says that either the system is down or it asks for more questions from my credit report that I can't answer. My wife has also called several times and spoken to people that are unable/unwilling to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested a re-investigation with " TRANS UNION LLC CONSUMER DISPUTE CENTER '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " TRANS UNION LLC CONSUMER DISPUTE CENTER '' and they stated all accounts had been " verified, complete and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " TRANS UNION LLC CONSUMER DISPUTE CENTER, With no response or information on this matter. 


15 USC 1681e ( b ) Compliance and procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about a fraud committed on my XXXX signature credit card. There are charges remaining on my card that I reported as fraud many weeks ago. I have a new card now and the original card where the fraud was committed is cancelled. However they continue to roll the charges on to my new account number. They tell me it can take up to 30 days to resolve. Meantime I have around {$10000.00} in charges still posted on my account. This affects my credit score. They should remove the charges and then investigate but they do not. Ive called several times and am told it is in processing. Unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to have my credit report expunged of information pertaining to my personal bankruptcy. Both Transunion and  XXXX  have been unfairly intransigent, while  XXXX  has increased my  credit score to "  Very Good ''.     According to the Fair Credit Reporting Act, " The fact that you filed for bankruptcy can be reported fo r up to ten years. While it may se em like negative information, the reporting of your bankruptcy discharge might not necessarily be a bad thing. A bankruptcy discharge can clean up debts that used to show up on your credit report as being delinquent. That is because debts that wer e discharged can no longer be reported as being unpaid or in a past due status. CRAs and your creditors should report each discharged debt as : having a   XXXX   balanc e, anddischarged, included in bankruptcy, or similar language.     While the FCRA does not directly address how individua l discharged debts must be reported, to report a discharged debt as something else  ( for example, " charged off '' or having a balance as more than  XXXX  ) would violate the provision of the FCRA that requires furnishers ( that is, creditors or  collectors that report to the credit reporting agencies ) from reporting incorrect information. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) .
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was looking to purchase tickets off of XXXX for XXXX XXXX XXXX vs XXXX XXXX on XX/XX/XXXX. I found tickets I wanted. Each was {$120.00} and I went with 2 for {$240.00}. I texted the number in the ad XXXX, the seller provided screenshots of the tickets he claimed to have. We agreed I would send the payment and he would transfer the tickets electronically. All seemed normal and asked for the payment to be made through XXXX. I've seen the commercial with the guy buying lemonade off some girls on a walk so I thought, Why not this should be straight forward enough and chase would have my back since they advertise it. His email was XXXX and name was XXXX XXXX. Payment was made at XXXX pacific time, after 20 minutes no email or anything. Surely enough I was scammed. I called chase by XXXX and they turned me away. I literally asked " so does chase or XXXX not offer any protection '' customer care said " no I'm sorry have a good day ''