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

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! XXXX a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to Equifax 's failure to comply with the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXXXXXX XXXX XXXXXXXX ) regarding the removal of fraudulent items from my credit report. Despite multiple attempts to resolve the issue, Equifax has repeatedly delayed action and provided inconsistent information. 

# # # Summary of Events : XXXX. XXXX XXXX, 2XXXX XXXX XXXX  I mailed Equifax a detailed fraud report requesting the removal of fraudulent items from my credit report under FCRA XXXX. 

XXXX. XXXXXXXX XXXX XXXX  ( XXXXXXXX XXXX ) : XXXX  Equifax XXXX my letter. Under the law, the fraudulent items should have been removed within XXXX business days of receipt. 

XXXX. XXXXXXXX XXXX XXXX XXXX Equifax XXXX, claiming my current address did not match my drivers license and requested additional documentation for address verification. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I mailed Equifax a copy of my XXXX XXXX XXXX  and my most recent utility bill for verification. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX the additional documentation. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I spoke with XXXX XXXX Equifax XXXX ) on the phone. He assured me that the fraudulent items were being removed during our conversation and stated they would no longer appear on my credit report by XX/XX/year>. 

XXXX. XXXX XXXX XXXX XXXX XXXX I followed up with XXXX XXXX a supervisor, since the fraudulent items were still on my report. XXXX stated that the removal process takes XXXX business days from XX/XX/year>, and assured me the items would be removed by XX/XX/year>. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX I spoke with XXXX XXXX another supervisor, who confirmed his team had requested the information to be blocked and that it should be removed by XX/XX/year>. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX I followed up with XXXX XXXX. He informed me I would have to wait until after the weekend and later stated he was unsure when the fraudulent items would be removed. 

# # # Issues : - Equifax has not complied with FCRA XXXX, which requires the removal of fraudulent items within XXXX business days of receiving a valid fraud report. 
- Equifax employees provided conflicting timelines and assurances that were not met. 
- These delays and inconsistent communications indicate stalling tactics and negligence in addressing my rights under the FCRA. 

# # # Impact : Equifax 's failure to act promptly has caused undue stress and potential harm to my financial standing. I have attached tracking information, correspondence, and detailed notes of my communications with Equifax employees to substantiate my claim. 

**Desired XXXX : ** - XXXX removal of all fraudulent items from my credit report in accordance with FCRA XXXX. 
- Written confirmation that the items have been removed. 
- XXXX that Equifax will implement measures to prevent similar delays and inconsistencies for other consumers. 

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

THE COMPANY TOOK 0 ACTION. THEY ARE TONE DEAF AND RELY ON PACIFICATION AND RHETORIC. THEY DID NOTHING TO CHANGE THIS STATEMENT AND ARE OK WITH THE FACT THAT THIS WILL TAKE YEARS. I PAID FOR EVERYTHING AND I PAID EVERY SINGLE OVERDRAFT THEY CHARGED ME. I NOT ONLY DEMAND THAT THEY CHANGE IT BUT TO REFUND ALL THE OVERDRAFTS THEY EVER GIVEN ME! THEY PROFITTED SIGNIFICANTLY OFF MY PAST YEARS OF OVERDRAFT AND THEY HAVE THE NERVE TO KEEP A RECORD ON ME THAT WILL PREVENT ME FROM CHANGING TO ANOTHER BANK! 

I HAVE SERVED MY COUNTRY AND COMMUNITY AND CONTINUE TO DO SO! YET THIS COMPANY HAS DONE NOTHING TO FIX THIS PROBLEM. THEY ONLY HAVE INSENSITIVELY CONTINUE TO ACCEPT THEMSELVES IN THEIR CORPORATE PREDATORY BEHAVIOR! I
Product: Debt collection

In the year of 2013 the month of XXXX I was XXXX in the XXXX XXXX   XXXX some one had stolen my identity and opened this account the amount of the charges that is on my credit report is XXXX this should be removed from my credit report.
Product: Credit card or prepaid card

I received a Target credit card that I did not apply for. I notified Target and filed fraud, in which they responded by closing the card.
Product: Debt collection

XXXX XXXX  has sold my private information to resurgent without my authorization. I am to receive compensation for damages, they have violated my right to privacy. Pursuant to 15 usc 1692 ( e ) They are in violation of the ( FDCPA ) fair debt collection practices act, 15 USC 1692c ( a ). They do not have consent they are in violation and I am seeking damages XXXX XXXX constantly keeping selling my private information to different companies that currently harass me daily by phone and mail.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and noticed a handful of fraudulent inquiries and accounts still reporting on my credit report. I've been going back and forth with the bureau since XX/XX/2022 trying to get this fix because I am a victim of identity theft. This has been nothing but frustration and stress. I did not consent to, authorize nor benefit from any of the following accounts and inquiries. Block and delete them
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and I see that there is a inquiry from CAP ONE NA on XX/XX/2022. I did not authorize the inquiry and I dont have a CAP ONE credit line, card, account etc. I would like the inquiry removed due to the fat that I did not authorize this inquiry.
Product: Credit card

I received a Chase Freedom Unlimited credit card in the mail on XX/XX/2023. I never applied for this credit card, so I am concerned of fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX  Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX Account # XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account # 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 card or prepaid card

In XX/XX/XXXX, I purchased a bike at Zero percent interest for 12 months from XXXX XXXX   and is XXXX XXXX  XXXX  total is {$2100.00}. Then XX/XX/XXXX, I purchased another bike and the terms were 6 % at 36 mos and the total was {$2900.00}. So, I made payments in XXXX, XXXX and XXXX of {$200.00} each month. The balance is roughly {$1600.00}. Anyway, XXXX is applying funds and fraudulently putting money, how it sees fit. I have sent them a total of {$3300.00} as of XX/XX/XXXX of an initial purchase of roughly {$4500.00} total. 
I was told in XXXX, the remainder was {$1100.00} and XXXX adjusted it to {$800.00} after paying {$300.00}. To see XXXX statement put the balance at XXXX.Once again, what is said, is different than on the statement. 
In XXXX I made a payment of {$500.00}, ( the zero percent purchase is only getting 5 % of the remainder ) as well as an additional {$350.00}. The zero percent still has a balance of {$700.00} and is threatening to charge me {$750.00} if not paid for by XX/XX/XXXX. The rep stated in XX/XX/XXXX, the remainder was {$670.00}, statement arrives with different numbers. 
I have called them twice in XXXX, four times in XXXX. 
Every month they manage to lose {$20.00} or more on my account.
Product: Credit card

I had an account with Fortiva - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I closed that account a few months ago. I was asked recently if I wanted to appy for a new account, of which I asked may I just have the old account reopened. I was told that would not be a problem and for a fee of {$25.00}, I could have a card expidited to me. I took the offer. When I received the card, I activaitated it and as you can see from the enclosed images, it said teh card is ready for use. I tried multiple times, to use the card, I called Fortiva, multiple times to discuss this. Enclosed are just a couple of nmany examples of the result of those calls. Eventually and multiple times after, I was told, that becaused my account was just reopened, I had to wait 30 days to use it or a full billing cycle. I repeatedly asked, where was that disclosed and why was I charged a fee, for a product that Fortiva and others knew, was of no value, as advertised. Each agent I spoke with, had no idea - no answer. 

I called, XXXX XXXX XXXX XXXX, they did not have an answer, I asked to speak with a supervisor, no answer, one was not abke to speak with me and never called me back. 

I called XXXX, their CEO, XXXX XXXX, XXXX XXXX, their CFO and XXXX XXXX, their Compliance manager. Neither of them took my call or returned my calls. To date, my matter is still unresolved. 

They also did a hard pull on my credit report which lowered my score and showed I had more credit, than I really did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, in XXXX through XXXX of 2017, breached all of my credit report information to hackers. I am XXXX years old and this will have an impact for the rest of my life. My SSN will NEVER change, my name will NEVER changed. My address may change but that wo n't be hard to find. I 'm going to have to live with this and the potential problems for eternity.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding late open accounts account on my credit report and express my frustration with the several unsuccessful attempts to have it corrected. Despite previous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open account account on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open account account from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address this matter. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$32000.00}.
Product: Debt collection

Someone stole my identity and opened the light bill in my name, without my consent, or permission or authorization Any authorization verbal nonverbal, written, or unwritten I am now resending that authorization via 15 usc 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this compan y 2  letters asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with  XXXX  and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.
Product: Mortgage

I have submitted Re-Entry documents to Wells Fargo for an FHA modification with an income that would more than qualify me. With the help of a HUD Consultant, I was able to do a proper analysis that showed I would qualify. Instead, Wells Fargo showed inaccurate and false numbers to disqualify me from Re-Entry to be approved for an FHA modification. The representative I spoke with in regards to the status of the Re-Entry was very unprofessional and initially refused to give me her name and ID #.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries ; except as provided in section 1681g ( a ) ( 5 ) of this title. 

The following inquiries were not initiated by me and are a result of identity theft. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with XXXX XXXX. I pulled up to a Bank of America atm drive through and pulled out {$140.00} and it charged me a {$3.00} fee. The money was left in the atm and I suppose the atm sucked it back up or something Im not sure. I went inside of the bank right after and they told me it would take a day or so for it to go back into my account. It has been about a week and I have received no word back. I filed a claim with my bank and I think their looking into it but its just not right
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX for inaccurate and misleading credit reporting related to my mortgage loan modification. 

I was approved for a trial period plan ( TPP ) and subsequent loan modification under the Flex Modification Program. I made all required trial period payments on time. However, XXXX XXXX incorrectly reported my payments as late during the trial period, even though I was following their approved plan. 

Attached is a letter from XXXX XXXX Mortgage XXXX XXXX ) confirming that my account was placed in forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to financial hardship. XXXX explicitly intended to prevent adverse credit reporting during this period. They are also actively working to correct any errors. 

Why This is Wrong : The Consumer Financial Protection Bureau ( CFPB ) Bulletin 2013-09 states that servicers should not report a borrower as delinquent when they are in a trial modification and making payments as required. 
XXXX XXXX 's own letter states : " Once your loan is modified, you will be considered current on your mortgage. '' This confirms that the late payment reporting is misleading and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, credit furnishers are required to report information accurately and fairly. Reporting me as delinquent while I was in a lender-approved plan misrepresents my payment history and unfairly damages my credit score. 
I have disputed this multiple times with XXXX XXXX and the credit bureaus, but they refuse to correct the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was misused. I went to apply for a car and my credit report was ran at least 12 to 13 times without my consent. My phone was also compromised and I've seen multiple inquiries that I did not consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act AD XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

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 ) --  OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Product: Mortgage

MORTAGE LOAN WITH QCWEN nUMBER XXXX AFTER NUMBEROUS REQUESTS FOR MODIFICAITON DUE TO HIGH INTEREST AND FALLING HOME VAHOME VALUE THE COMPANY STATES IT IS A SERVER AND CAN NOTHELP ME DIRECTLY BUT SUBMITE MY REQUEST TO LOAN HOLDER. IWANT OCWEN TO COMPLY AND HELP ME STAY IN MY HOME. I BUILD THE HOME IN 1983 WITH A LOAN FROM MY DAD. HAD TO GE A PREDATORY LOAN FOT PYA PAY FOR MEDICAL COAST ASSOCIATED WITH CARING FOR A XXXX PERSON OF 16 YEARS. I TOOK THE LOAN IN AT 9.75 % ( XXXX TIMES THE NATIONAL AVERAGE. ) i REQUESTED MOTIFICATIONS AND REINSTATEMENTS NUMVEEADLY NUMEROUS TIMES. mY HOME WENT DOWN IN VALUE AND MY COST AND WHAT WAS OWED WENT UP. I NOW OWE MORE THAN WHAT IT IS WORTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT.

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX FROM XX/XX/1999 THAT KEEPS APPEARING ON MY CREDIT REPORT, THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY FROM 15 YEARS AGO. THIS DEBT WAS DISCHARGED EQUIFAX KEEPS HAVING THIS INFORMATION RE-APPEAR ON MY CREDIT FILE, IT WAS IN BANKRUPTCY AND ITS WAY PAST THE TIME THAT ANY DEROGATORY ACCOUNTS SHOULD BE LISTED ON THE CREDIT FILE
Product: Mortgage

Truist Bank is incorrectly calculating the interest and principal portions of my fixed rate 20 year term amortizing HELOC. I have repeatedly contacted them both on the phone and in person at a branch location. Each time, they say they will look into it and get back with me but so far nobody has contacted me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- I dont know about this in my credit report XXXX- I only had 1 account with them and it appears 2 on my credit report XXXX  XXXX XXXX  XXXX- I have no knowledge of this
Product: Checking or savings account

I started a complaint with XXXX XXXX due to somebody stealing my money twice now the first time that it happened they were very quick about it but now that it happened again it is taking longer I don't know what's the difference that it was quicker the first time and not the second time but somebody has stolen my XX/XX/XXXX social security check of XXXX and I want it back now either XXXX XXXX can handle this or something because it happened out of state in XXXX and I live in XXXX XXXX XXXX, XXXX XXXX. how am I going to get from XXXX XXXX XXXX to XXXX just to use the ATM and pull out my own money I just don't understand I want this issue solved.. now they haven't done it again thank God but the fraud and identity theft thing has got to go people should just get a job and leave other people 's money alone and stop stealing they should do like in the old times and have their hands cut off.