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

Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974. 
The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Credit reporting or other personal consumer reports

XXXX XXXX stated a drop in my Transunion score of XXXX points but offed no explanation or changes to account. XXXX XXXX stated I must take up the inquiry with transunion directly. 

I contacted transunion and they would not help me without an account. I created an account. On the free report provided I seen nothing negative in the report and asked about the drop of XXXX points. TransUnion explained I would have to pay them for them to look into my score and any changes associated with it. 

I tried for an hour. 

XXXX points is substantial. There is nothing negative on my report. 

TransUnion refuses unless I pay They advised I could dispute an account only but I did not have anything negative on my report to dispute. They offered no explanation for the drop or a way to dispute the drop without paying for their service.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent errors and inaccuracies. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.
Product: Credit card

I received an email on XX/XX/2023 stating my account had been closed. I immediately contacted Citibank, because I did not request for the closure. I am a victim of identity theft. Someone attempted to gain access to my account and when they were unsuccessful, they requested the closure. They then attempted to apply for a new Best Buy card again using my information. 
I filed my complaint with Citibank 's Executive Response team and with the Better Business Bureau. Their only response is that they did nothing wrong. The caller had the right information to request the closure and I can apply again. Of course they have my information. It was stolen! 
It's not a matter of blame, as Citibank would like to focus on. This is my life and my credit that I have worked hard to establish. It is my second longest account. As a consumer, I am being victimized by a scammer and then by this business and they wipe their hands and say " Sorry, too bad for you ''. It is not fair that a fraudster can potentially close down ALL of my accounts because " they had the right information. '' Am I supposed to be ok with that?! Where is the protection for account holder?! Here I am again seeking for Citibank to do the right thing and take care of their loyal customers. Since I see this is going back to Citibank, I'm wasting my time. Where is the checks and balances of these banks?!
Product: Mortgage

My mortgage for my rental home was sold by XXXX Mortgage to United Security Financial in XXXX of this year ( 2015 ). We are in the military and had recently moved to another duty station. Unfortunately, I had n't updated my address on their website and missed that notification. I was not notified by email or through the secure messaging system on their website. 

I kept sending my loan payments to XXXX each month on an auto bill-pay. They sent the first XXXX payments to the new company, but stopped at that point and instead starded sending them to the address they had on file ... for 3 months after that. My bank has a widget on their website that tells me my credit score, and I wondered why it was dropping. I previously had excellent credit ( XXXX ) and it was tanking ( now XXXX ). We received a phone call from the new company requesting our updated information but I did n't feel comfortable sending my personal info without checking with the company with which I was in business. 

I got onto the XXXX website and saw that my last received loan payment was 7 months ago. I sent a secure message on XXXX 's website stating that I did n't know this had happened and asked them to verify that this had taken place. I provided my updated contact info and reminded them that they had my email and could have contacted me in other ways. A few days later I received XXXX checks refunded from XXXX from the XXXX latest months ( but nothing from the XXXX checks sent to my old address ) and a response stating that the sell-off had taken place. I had been paying my mortgage to XXXX for 7 months after it was sold unaware of the problems developing. 

I called the new company to make it right and was told I needed to pay the entire balance owed before I could continue to pay my monthly payments. They had already begun consulting with foreclosure attorneys and also fined me {$310.00} for those services, which they also required me to pay at that point to prevent further losses. I payed the overdue amount from my savings, along with the attorneys fees. 

Today, XXXX XXXX 2015, I 've received a letter from United Security Financial stating that my XXXX XXXX, 2015 payment is overdue and now I owe them {$77.00} in late fees. My payment that is due in the future is overdue?! 

I have emailed XXXX to request the XXXX lost checks be re-sent to my new address and that the money I was charged in attorney 's fees be refunded and am now awaiting their response. 

I 've realized why my credit score was tanking : An incorrect address and a company that did n't care enough to contact me through other means at their disposal. All the while I was paying them monthly, on time and in full. They have insulted my character, and have cost me money.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection from XXXX XXXX on XX/XX/XXXX, for {$3800.00} and a credit card opened at XXXX XXXX  on XX/XX/XXXX, an installment loan at XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on the consumer credit reports 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.
Product: Mortgage

Never received any notification of my home foreclosure. The dates that it happened I was thrown in XXXX on bogus charges. I have never been in XXXX before. Then my mail was stopped and not by me. The only forclosure I did get was from the new owners which they signed in XX/XX/2018 the letter indicating I have to be out by XX/XX/2018. The new owners indicated that if I want to stay to pack I would have to sign a lease and give them XXXX XXXX I lost my job, I tried to claim unemployment it was approved but never received any money. I tried several times to get it. I am now a victim of identity theft which I have filed a complaint. If I had XXXX I would of been paying my mortgage instead.
Product: Credit reporting or other personal consumer reports

To All Concerned Parties : This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SD XXXX ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX XXXX. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( XXXX ) and it's guidelines to permissible purpose and the Privacy Act of XXXX. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section XXXX imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA XXXX ( a ) ( XXXX ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!
Product: Credit card or prepaid card

My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Pursuant to 15usc 1602 ( l ) : A " credit card '' means " any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice that Congress said ANY card. The " Credit Card '' that I used to Originate a Consumer Credit Transaction with CitiBank was my Social Security Number, as I am the Original Creditor- not them. I am demanding that these fraudulent claims that CitiBank is making in regards to me " owing a debt '' and them " validating that the debt is mine '' be investigated immediately and that these fraudulent charges be removed, as well as removed from my Credit report- pursuant to 15usc 1681a ( 2 ) ( B ). CitiBank is claiming to be the Original Creditor in this Consumer Credit Transaction, yet can not provide me with validation of the debt NOR the name & address of the Original Creditor. This is Identity Theft and Fraud, and is completely against my rights as a Federally Protected Consumer, under Title 15 Chapter 41.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for Transunion to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information below 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

I called Experian and I requested that the copy block the fraudulent information on my credit report. I got a letter in the mail from Experian that said that if I could confirm my identity in conjuction with providing a theft report to Experian that this is anot optional remedy of identity theft that is afforded to me. The representative that I spoke with stated they do not do any blocking of accounts, she had never heard of such a thing, she further said that it was the creditor 's decision as to whether or not to block the fraud accounts, and that Experian has forwarded my complaint to the company, contingent upon what the company 's response is regarding the fraud accounts, they will adjust the fraudulent information. The representative did confirm to me XX/XX/2017 that they received my police reports, arrest reports, a photo of my social security card, check stub with my current address, my state issued identification card, and driver 's license. I am a victim of Police confirmed identity theft. In XXXX, I sent the police reports with some of the felonious account numbers and an arrest report naming the offenders to Experian by mail. I followed up 3 weeks later and they stated they had no record of the mailed information so I sent the police reports again via fax in XXXX. Experian sent an email to me that the investigation was completed but Experian did not remove or block any of the fraud accounts and/or the identifying information such as multiple addresses for the offenders. Additionally, they show I have a social security number which is not mine. Verification of my signed social security card and number was submitted with the arrest reports and police reports. The erroneous number also has not been removed. My name appears as variations of misomer. I requested these be removed as they are not nor have been used by me and are not legally my name. They have thus since refused to do so to date.
Product: Debt collection

I have requested documents from this company and I have not received any document til this day
Product: Debt collection

The above company has put a debt on my credit report that has not been validated. The said bill was billed to me after I moved out the residence all bills proper to me moving out were paid and nothing was owed the company called me weeks after my departure from the residence and said that I owe the energy bill for the residence even if I no longer was living in there residence during the billing cycle. The residence is trying to have me pay for energy that I or my family did not use because we did not occupy the unit during the billing cycle. I asked to see a bill and the apartment manager could not produce one therefore these charges are not legitimate or legal charges until there can be a legitimate bill produced this must be removed off of my credit report or I will seek legal action again both parties for falsification.
Product: Payday loan, title loan, or personal loan

I had put in a application for a personal loan of {$5000.00} on XX/XX/2023 and I spoke to multiple people about it. I was told that I was going to get a call back within XXXX hours and I still havent heard anything. I have called everyday to speak back to them and everytime I call the person is always busy during different times of the day. I have some information written down for the person I was suppose to speak with but its been going on for XXXX weeks now and nobody has said anything else to me about it since.
Product: Debt collection

XXXX XXXX ( XXXX ) trying to collect a debt of XXXX as of XX/XX/XXXX I have never open an account with sw credit I don't understand where this is coming from I have no type of knowledge of this " debt '' I don't know nothing about this company
Product: Checking or savings account

I XXXX XXXX XXXX have a complaint filed about bank of America stopping me from cash a check from their bank. The check was in my name issue from its own bank .As of XX/XX/2020 Now funds are being stolen from the internal bank system. Employees are refusing to log notes about active fraud taking place. Retaliation. Starting to see elements of unilateral arrangements and contracts. Accountant financial fraud. Misstatement are transparent.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Experian 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 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: Checking or savings account

Received text scam trying to get me to open a website to hack my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant apply for credit, my ability to apply for credit is tainted.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX 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 EQUIFAX credit reporting 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 a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized I had fraudulent accounts on my report. The consumer reporting agencies need to report all information accurately. The negative activity from the inaccurate accounts are negatively effecting my ability to obtain credit. I will attach documents showing the accounts in question. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The thing I have payed for is not reported. Some collections are not correct. I once had an address on there with no linkage between me. Ive paid numerous bills and debt. Paid for two different credit agencies to fix credit problems. It was a rip off. My credit score should be higher than what it is. I pay all my bills. XXXX didnt give us our money back after false reporting we did not clean room. Which was not true. Ive lost unnecessary money, due to people negligent or not caring. I had just got my XXXX XXXX out of tow shop, for them to come get it. I had to pay for that out of pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX XXXX to freeze my credit I didn't authorize any one to report anything! I have been in XXXX XXXX since 2004 I have not been able to get a bank account in my name at all! It's all inaccurate
Product: Vehicle loan or lease

I bought a car financed through Hyundai Motor Finance in XX/XX/2021. I have since been trying to get the title transferred to the state where i live. Repeated attempts ( weekly ) to obtain a title transfer from HMF have failed, with the customer service agent telling me that they have emailed the titles department but there is no other way to contact them and to call back in a week for an update. I am unable to legally drive or register my car due to this issue, which apparently is common enough to warrant an entire XXXX and XXXX XXXX about the titles department at HMF being completely unreliable and failing to provide titles to owners whether paid off or not.