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

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Trans Union and XXXX to reinvestigate these accounts. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open dates, date of last activity and much more is incorrect. According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an 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 crime which, from date of disposition, release, or parole, antedate the report by more than seven years. The Bureaus are not in compliance with metro 2 credit reporting. I also have the evidence to prove my case.
Product: Debt collection

They keep threatening me to sue and called me off XXXX different numbers harrssing me
Product: Credit reporting or other personal consumer reports

i do not recognize these inquires. 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
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 Bureau 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 : INQUIRIES : XXXX XXXX  XX/XX/year> : Account Name : XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Since I refinanced my mortgage to US Bank I have been notified of past due money over and over. They claim to send me increases and monthly notices but I never get them. They tell me to check my online account but it has not let me login to the account for and they do n't address this needs fixed. Now they are claiming I owe over {$600.00} in payments because of an increase that I was not notified about. I 've written them and called them and they just keep going on. Now they have put this on my credit report and ignore my letters. Reviews on XXXX and Consumer affairs website says that XXXX other mortgage holders have had the same thing done to them. Claimed notices of increases not received so the first thing you know is your in default and have to pay or else. I have not received the notices, I have not received the monthly statements, I have not received the required by law and ask for help. I asked them to send notices certified ( as I send all my letters to them ) but they do not respond. It 's time for the US Government to step in, investigate the claims of hundreds of people that have the same issue with US Bank Mortgage handling and stop the false claims, fraud and abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY HOME WAS BROKEN INTO IN 2018, I SPOKE TO THE LEASING AGENCY AND WAS ALLOWED TO BREAK MY LEASE, HOWEVER, I HAVE NOTICED THIS ITEM ON MY CREDIT REPORT WHEN I WAS TOLD IT WOULD BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The Equifax and XXXX bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 

XXXX CARD XXXX Balance : {$700.00} ; XXXX XXXX Balance : {$440.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report XX/XX/2024 and noticed two fraudulent accounts on my report. I disputed with XXXX, XXXX  and equifax and they said everything was correct but that is not the case. The response about my report is not accurate. 
This is not my account. I have no knowledge of this account. 15 USC 1681b. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Money transfer, virtual currency, or money service

XXXX Bank has NO FRAUD PROTECTION department contact information available. I received a postcard in the mail XX/XX/23 stating my phone number was changed! I NEVER changed any contact information or received any calls to confirm validity of this change. 

This process initiated a bank transfer to XXXX  XXXX XXXX and took XXXX from our account. This was NOT a card hack! This was a BANK TO BANK hack! No notification of transactions being initiated! 

Auto bill pay from XXXX to XXXX credit card same bank. Cc balance is XXXX. Why are automatic payments still being taken out. Not to mention they decrease my credit limit and i was never late nor over or near credit limit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.
Product: Checking or savings account

I have received all statements for the account. However, I did ask for tax documents for 2022 that they refused to give to me. They said because this account was closed due to fraud they will not give me any documents. I did a Trustee to Trustee transfer and also a Direct Rollover. The account numbers are XXXX & another Roth or Traditional account. The contact information with Ally Bank is XXXX XXXX XXXX XXXX, PA XXXX. FYI these are IRA account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX  XXXX Date Opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax have lowered my credit score for no reason, AND ITS ERRORS, I have my credit card since XX/XX/2017 and have never missed a payment, and account always said ''good standing '', my score was a XXXX in XX/XX/2017 and went down to a XXXX, it should have gone up, so whats the problem i ask, why did they lower my score, since then i closed the account over 2 weeks ago and its showing a XXXX balance IS TOTALLY WRONG, THAT WAS A SECURED CREDIT CARD [ my money ], AND THE BANK SENT ME A CHECK FOR XXXX CENTS AND CLOSED THE ACCOUNT UPON MY REQUEST, NOW I WANT MY CREDIT SCORE RESTORED TO WHERE IT WAS BEFORE, this is total XXXX with major fraud, see pics of proof,
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX ( Items for dispute ) Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers XXXX XXXX XXXX
Product: Vehicle loan or lease

They claim I missed my XXXX payment. Spent hours on phone. Sent bank statements showing that check was processed with check # and dates when sent and when it went through my bank. Last billing statement had 2 different payoff amounts which we were told is wrong and gave us yet another figure. Told us we needed to send payoff amount to a different address. We told them yes is with the billing statement which they said no, that's not right either. They want me to send in more money for XXXX and they owe me money now. If I send what they say they want me to send in to save my credit score I will have over paid over XXXX dollars. Help please!
Product: Credit card or prepaid card

On XX/XX/2020 i made a payment of XXXX $ to XXXX to order a card. my capitalone credit card account charged a XXXX $ cash advance fee. i called and explained that my payment is not a transfer, which according to capitalone a cash advance. i explained it a payment not a transfer. after all who transfers a XXXX . capitalone claims that XXXX billed the XXXX $ as transfer. i contacted XXXX and they explained that capitalone choose to process the payment as a transfer. here is there respone " We use two merchant codes for payments and when we pass it along to your bank or credit card issuer, they choose how to process it. 

If it happens again, you can reach out to your bank and explain this and provide the two merchant codes and ask why they charged it as cash advance since it's not cash related. '' i contacted capitalone again but their customer service trained dogs refused to reverse charges. i have incured financial damages and had my XX/XX/XXXX account restricted because of capitalone dirty practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my personal information file from Lexis Nexis in early XX/XX/2020. I found numerous information entries for a person other than myself in the file. These entries included personal identification information, property ownership information, insurance policy information and insurance claim information. The other person 's information also included her social security number and drivers license number which are easily determined to be different from mine. Her social security number differs from mine by 1 digit. I have made four calls to Lexis Nexis between XXXX and XXXX pointing out the facts above and demanding that this other person 's information be deleted from my file. I must emphasize again that anyone with a brain could see that she and I are not the same person. During the last call about a month ago, I went through the file page by page, paragraph by paragraph with the representative to point out the erroneous information needing to be removed. After receiving correspondence today about the dispute I reviewed the file and find that the erroneous information has still not been removed. The response they keep sending is ludicrous. It says that the information I want removed is " accurate based on my dispute ''. I have no doubt the information is accurate ; but it does not belong in my file. There continues to be no explanation why the issue can not be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX h

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Checking or savings account

Several overdraft fees were placed because money was charged that was not in the account. Also doing money transfers that were not deducted from the balance giving a false true balance.
Product: Payday loan, title loan, or personal loan

My problem is with Klarna, a buy now, pay later service. 

My wife and I made a purchase through Klarna with XXXX XXXXXXXX, for {$910.00}, on XX/XX/XXXX. Klarma charged me half upfront, so {$450.00}, with the balance due in three payments. We placed the order for curbside pickup. 

XXXX  refunded my order on XX/XX/XXXX, as they gave away my order in error, to another customer. 

XXXX  refunded {$240.00} to my debit card. They then refunded the remaining {$210.00} to Klarna. 

Klarna now owes me {$210.00}, for the balance of my refund. I have contacted them multiple times, but they will not refund it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 XXXXXXXX XXXX XXXXXXXX # 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: Checking or savings account

Several months ago, I opened a CD with XXXX, now owned by Webster Bank. The CD with over {$250000.00} dollars matured on XX/XX/2023. I called yesterday, XX/XX/XXXX to close the account and have the funds sent either back to my bank account where they came from or to have a check sent to my New York address, which the bank has on their file. This is when the nightmare started. The person I spoked with asked me the typical verification questions, my phone, e-mail, address and four digits of my social. After that, she said a code will be sent to my phone, a few seconds later she said that did not work and she will need to ask me five questions. Some questions were stupid, like remembering the plates of my cars, but still I know I answered them correctly. The person told me right away thay I failed and I had to wait 24 hours to call again. I told her this was not aceptable and I wanted to speak with a supervisor. She said the supervisor acll me in about 30 minutes. NO call after two hours, so I called again. This time I was told I could go to any Webster bank branch and have them close the account and give me a check. I went to the XXXX XXXX branch in XXXX and was told they could not help me because it was a XXXX XXXX account. I asked one of the managers there to call XXXX so they can verify it was me and close my account but the person at Webster was told the same story, they just could not help. I was upset and called XXXX myself while at the bank. The person I spoke with refused to speak with any of the XXXX employees to verify my identity so she gave me another set of five questions. I answered them correctly again and she told me right away I failed and will have to wait 24 hours and that was the end of it. No further explanation. Five hours later, the supervisor called me, her name XXXX XXXX XXXX phone XXXX XXXX. She apologized about the incident and said since the account was opened online they can not do anything. She promised to call today at XXXX XXXX. She called at XXXXXXXX XXXX, again I was given the set of five questions instead of the text code to my del phone. I wrote each question so I know I answered them correctly, yet I was told by XXXX XXXX that I failed the verification. I told her this was not acceptable and I wanted my CD closed and my money inmediately. She told me she will call after she talks to her superiors at Webster. The day ended and never heard back from her. I went online and realized there are hundreds of similar complains against XXXX and Webster Bank. I am not the only one that has this problem. It is very clear Webster Bank is running a scam to keep the funds of the clients longer tha they need to be held and all that time whithout paying any interests. Please help me to get my {$250000.00} dollars back and stop this bank from running this scam with other inocent clients. Thank you for your help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern XXXX  XXXX bankruptcy was on my credit report and XXXX XXXX bankruptcy did not release this information to the credit bureaus remove this off my report by law under the Fair Credit Report they are violating.