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

In XXXX someone used my Equifax credit report to fraudulently purchase smart phones and data plans. I filed a fraud report with the local police ( OPD ) and contacted the phone carrier ( XXXX ). I disputed the charges with XXXX and after their investigation the charges were erased. It took the collection agency several months to stop calling me for the money. All documents were sent to Equifax along with a dispute for the fraudulent XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL address to be removed. As of XX/XX/XXXX @ XXXX EST that never happened. They did place a five year freeze on my account and allowed 6 free credit reports per year. 
In XXXX of XXXX I used my free credit report through the dot gov site. For security purposes they asked me security questions based on my Equifax report. One question related to the XXXX address from XXXX and another question was asked about another unrelated address to our history. I failed the site security and was not able to complete the request. The same evening I was failed again on another non-credit company site for the same reason. 
XX/XX/XXXX I logged into my Equifax account, used one of my free reports to find another address has been added to my report history ( and XXXX address was still there ) DURING the freeze on the account. I submitted a dispute ( # XXXX ) for the second fraudulent address, XXXX XXXX XXXX, XXXX, IN on XX/XX/XXXX and also explained the XXXX address had never been deleted in XXXX. They sent an email stating the dispute was under review and I would be contacted of the results in 30 days. 
It is now XX/XX/XXXX so I logged into my Equifax site, used another free report and both addresses were still present. I called their customer service where the rep told me the dispute was resolved and the addresses had been removed. I explained that I was looking at the credit report and they were still there. She then told me she had removed them and to refresh my report to see. I had to use another free report and low and behold they were still on my report. I asked to speak with her supervisor and she told me they were busy and would need to put me on hold. She placed me on a hold that lasted for approximately 10 minutes then an automated survey asked me questions about my experience with Equifax and the customer service. I did not score them well. It finished the short survey then stated " Thank You, Good Bye '' and hung up. 
And here we are!!! 
I am requesting these fraudulent addresses be removed immediately, an explanation on how the second IN address got placed on my report during my freeze and my free reports be reinstated.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Money transfer, virtual currency, or money service

Hello Respective Officer, HEre Iam writing this complaint against EXPERIAN - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX XXXX in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ Digital Assets  holding company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX  but they rejected my REFUND .Hence I had to reach the insurance provided by EXPERIAN [ XXXX ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed!
Product: Debt collection

A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX. When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.
Product: Checking or savings account

We sent a check to our vendor for payment, they did not receive the check, but we show it as cash. We filed a complaint with XXXX XXXX  as the check was stolen and deposited at a Wells Fargo bank. The vendor does not bank with Wells Fargo. The check was deposited via banking app and deposited. We filled out the attached paperwork and affidavit. This check was cashed back in XX/XX/2022. Wells Fargo has been unresponsive and acknowledging or answering any of the letters and demands for payment. This is a {$7000.00} check.
Product: Debt collection

Im going round & round with XXXX on removing this illegal collection. The CFCB already got a company response & the account was closed. XXXX is still keeping it on my credit & its affecting my credit & reputation. This debt is not valid & legal proof is not provided as I havent agreed to this collection. Its closed with CFCB but still on my credit report & holding up my life
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited my paycheck on XX/XX/XXXX, from the same employer that I have been depositing checks every week for over 6 months now. I live paycheck to paycheck and need money as soon as I get my check, I am a XXXX student, work a XXXX job in order to support myself. Bank of America decided to delay my paycheck that I deposited on XX/XX/XXXX till XX/XX/XXXX. When I called, they did not provide a sufficient reason about the check being held and refused to let me speak to the department that handles hold for checks, saying that I have to go through an intermediate manager in order to contact them and I can not speak to them myself. Bank of America has decided to hold my paycheck till next Saturday, when I asked to speak with a manager they recommended that I apply for a credit card or a loan since I do not have any money in my account to buy food, pay rent or get my medicine. They have decided to this in the middle of the covid-19 epidemic, I live in XXXX where almost all offices are closed and getting any necessities like food, medicine is extremely hard which makes matters worse.
Product: Credit reporting or other personal consumer reports

I was apart of the XXXXXXXX XXXX borrowers defense loan dismissal back in XXXX. I was approved 100 % for this loan to be forgiven/dismissed. I have called several times in regards to this being removed off my credit. I am current in the process of trying to buy a house and this is not removed. I am highly distraught by this. This has not only affected my credit but also my health as i am in constant distress. My case number is XXXX. This needs to be removed from my credit as it is hindering me from buying a much needed dwelling for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to remove disputed addresses, including addresses in other states that I have never lived in and addresses that do n't exist, are spelled incorrectly and belong only to relatives.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. KiaMotors XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent accounts that remain on my credit profile that need to be removed immediately. This has caused me injuries and financial damages. 

XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Wi XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Mortgage

On XX/XX/XXXX, M & T Bank/Mortgage, the servicer of my home mortgage, auto debited my mortgage payment out of my checking account. They should not have done this as I had cancelled the auto debit for the XXXX mortgage payment in early XXXX, XXXX. Additionally, M & T Mortgage was paid off, in full, on XX/XX/XXXX and should not have debited the payment that was no longer due. Additionally, I have an escrow refund that is due me of $ 1600+. 

As a result of the auto debit, my checking account became overdrawn. I contacted M & T on three separate occasions, on XX/XX/XXXX and XXXX, to request a reversal of the auto debit and to put the money back in my account. They refused, saying it may take up to 30 days for me to receive my refund. This is not acceptable as it was their mistake, not mine.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the exclusion of any erroneous accounts from my credit report. Can you kindly inspect the documents? There are inaccuracies in some of the listed accounts, and it's unsettling for me.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

Was claimed to be ore approved for loans and was denied which resulted to XXXX points on credit score in less than a year
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$190.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$430.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$550.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$490.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX XXXX XXXX XXXX I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

hi I am XXXX, I OPENED AN ACCOUNT IN GEMINI ( XXXX XXXX ) Gemini Trust Company , LLC. 
I UPLOADED ALL THE DOCUMENTS TO VERIFY THE ACCOUNT AND ACCOUNT GOT VERIFYED. 
I MADE A WIRE TRANSFER FROM MY XXXX XXXX  ACCOUNT FOR {$25000.00} ON XXXX.WHICH I GOT IN GEMINI ACCOUNT. BUT THEY RESTRICTED MY ACCOUNT TO TRADE BUY/SELL/WITHDRAWL MY MONEY IS STUCKED THERE. I GOT THE MAIN FOR WIRE CONFIRMATION AND THEY NEED TO VERIFY THE WIRE FOR THAT THEY NEED SOME ADDITIONAL DOCUMENTS I.e. MY PHOTO WITH ID PROOF, DATE AND NOTE WRITTEN ON PAPER I attest that I am voluntarily opening a Gemini account and no one has instructed me to do so AND I HAVE SEND XX/XX/21 ( XXXX XXXX ) BUT STILL MY ACCOUNT IS RESTRICTED AND I CANT USE MY OWN MONEY. I EMAIL TO COMPANY SO MANY TIMES RAISED THE TICKETS FOR COMPLAINTS BUT NO RESPONSE FORM THE GEMINI SIDE. I FEEL I LOST MY MONEY.

PLEASE HELP GETTING MY ACCOUNT ACTIVATE ASAP. AS ITS A HUGE AMOUNT.

MY REGISTERD USER NAME WITH GEMINI IS XXXX ATTCHING DOCUMENTS 1. PHOTO WHAT THEY ASKED TO VERIFY UPLOADED 2 TIMES 2.MESSAGE WHICH SHOWS RESTRICTED 3 PROOF FOR {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the consumer reporting agencies I would like to see verified proof and to do a re-investigation on the accounts I have listed below. 

Accounts : XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Also I have attached the letter I sent out and here is the Tracking numbers for each letter they received via certified mail : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies attached as well. 

Ive also on XX/XX/2022 send out a letter via certified mail ( attached as Last sent letter ) stating they didnt do a proper investigation on my accounts now they Shall delete the accounts listed. Heres the tracking for that letter : XXXX ( Equifax ), XXXX ( XXXX ), XXXX ( XXXX ). 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also stated that consumer reporting agencies can not furnish a account without my written instructions.

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 802 of the Fair Credit Reporting Act states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy ''. Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I, the consumer, have the right to make sure my privacy information isn't shared which is backed by 15 USC 6801, stating, " It is the policy of the Congress that each financial institute has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. XXXX XXXX XXXX XXXX XXXX is financial institutions by definition under that title. Also, 15 USC 1681 Section 401 Section A ( 2 ) states, " 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 written instructions of the consumer to whom it relates ''. The financial institution XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies XXXX, XXXX, and Transunion do NOT have my consent to furnish ANY information in regards to ANY items they are furnishing on my report and they surely do NOT have my written consent either. Any and all consent to XXXX, XXXX, Transunion, and XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise- is REVOKED. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. I was never informed of my rights to exercise my nondisclosure options by XXXX XXXX XXXX XXXX XXXX. 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 XXXX years ''. The XXXX XXXX XXXX XXXX account is an adverse action accounts reporting without my permission- which is clearly against the law. 15 USC 1681s-2 ( A ) ( 1 ) 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 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at ANY time ''. This is your notice that I am opting out of ALL of your reporting services.
Product: Debt collection

Sent numerous certified letters requesting verification never received ANY response. This has been well over 90 days on 3 30 day respond or remove letters. No response and the account ( s ) are still on my credit report WITHOUT being verified