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

I have a unauthorized inquiry on my credit report with equifax Ive sent dispute letters Ive called now Im submitting my ftc complaint here is the name of the hard inquirie The XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

In accoradance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 written instructions.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and I have fraudulent accounts and collections including inquiries on my credit report due to fraud. Ill file a FTC affidavit along with the other documents required to be with it. I read a article on the internet that said equivalent and Experian is doing it he most but all 3 of my major credit bureaus only took two off from experian
Product: Credit card or prepaid card

reference : Citi ( R ) Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX My XX/XX/2022 Citi Cards bill had a {$790.00} charge on it that I did not make. It was a charge made at XXXX. As soon as I realized the problem I reported the issue to Citi Cards phone support.. In the phone conversation I stated that I did not order the product ( s ) nor did I receive them. I also stated that it appears that someone " hacked '' my Citi Card credentials and made the purchase. 

I received a rejection of my complaint, detailing that the product had been delivered to an address in south Florida and therefore Citi was not responsible. It appears that the phone support person filed this as product not received, not a fraudulent charge. I replied to this, attempting to correct the error. 
attachment -Reply to Citi rejection XXXX details what Citi found attachment -First Billing Dispute Email Reply XXXX details my reply Via USPS mail I received the last rejection stating that they were rejecting my claim because I had initially reported it as goods not delivered and not a fraud claim. 
attachment XXXX is the letter rejecting the claim on the basis of the incorrect claim type. 
attachment -Final Billing Dispute Email Reply XXXX My protest letter to the billing dispute rejection. 

I received a final letter from Citi stating that I had run out of time according to Master Card rules. 

Each communication that I have made with Citi has been in a timely manner, upon receipt of paper communication from them. This matter should have been resolved in XXXX or at least by XX/XX/XXXX. Please help.
Product: Checking or savings account

Scam and then they allowed checking account to be opened didn't close it and then after knowing it was a scam allowed another account opened and then added someone else on the account without permission after going into the branch manager and getting the fraud number and no help refusing to help or close even after going to the XXXX XXXX police XXXX XXXX they still didn't close account until now after 21 days then now messing up my credit and still won't close leaving me exposed and they don't care that I have the recording of the fraud number being fraud .... talked to one number on farm number and she transferred me said noo idk how u would get this number then transferred me got hung up on ... .. also they reposted my dad 's truck at his funeral without giving me the chance to buy it or take over payments or time to prove I was estate holder then sent me a check for wrongful reposseion of XXXX I have check still unchashed got an attorney now XXXX XXXX XXXX and they didn't respond to him at all so he has been dealing with this forever so this bank really had screwed me over not to mention any overdraft fee they would credit me and then take it back out and over draft me too what a rip.off and they are theifs and they are scammers i have had to change all my information miss work talk to the cops and my credit took a hit and not get my dream home and yet they could give a XXXX.less why are they a business still
Product: Debt collection

In XX/XX/XXXX I signed an agreement under duress with XXXX XXXX XXXX XXXX XXXX. Then, my identity was stolen in XX/XX/XXXX. I attempted to cancel the contract made under duress while I was sick and learned that there was toxic mold in my house. They referred the debt to Voss and Klein in XX/XX/XXXX who has harassed me even further. I contacted Voss and Klein on more than one ocassion to tell them the situation, and offered to return the equipment that was ripped out of the wall by the person who stole my identity. They declined. I disputed the charge and the collection with XXXX in XX/XX/XXXX. They are continuing to regard the debt as mine when it is not. It was supposed to be settled in XX/XX/XXXX, and the collection has gone even higher. This behavior is predatory and wrong.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft. 
XXXXXXXX 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

Company was deceptive in displaying their payment rate and falsely, on tape, claimed it was a rate forced on them. 

This is small, but a textbook violation of the TILA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  reporting should be removed an block
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I received my credit report from Equifax on  XXXX / XXXX / 2017  confirmation #  XXXX  after filling disputes regarding items on account. The updated Reinvestigation report received showe d SEVERAL it ems that had been deleted from my credit file. Then I received another report from Equifax dated  XXXX   XXXX ,  2017 , confirmation #  XXXX  that showed the items that had been updated and deleted back on my report.
Product: Credit card or prepaid card

Cash app has been down since XX/XX/XXXX at XXXX i have contacted customer service 6 times I've XXXX  them because they have no direct line to verbally speak to someone still no word from cash app nor XXXX XXXX  im XXXX havent ate they havent released a real time statement or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am NOT a third party or a credit repair person, My name is XXXX XXXX and I am a victim of identity theft
Product: Credit card

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$8400.00} in accordance with XXXX Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to USAA Federal Savings Bank/ USAA Credit Card Payments on XXXX XXXX, 2024 ( XX/XX/2024 ). They accepted my instrument, but did not credit my account correctly. I did call on XXXX XXXX, 2024 and spoke with XXXX who submitted the dispute and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Mortgage

In XXXX I had a mortgage with Wells Fargo Bank. I filed my XXXX income tax and the IRS stated I owed for XXXX in the amount of {$2500.00}. 

After an investigation by my tax representative it was stated that Well Fargo filed a 1099 in XXXX in my name and social security number. I spoke with a Wells Fargo rep at their XXXX branch, and all she could produce was a 1098 that was filed in XXXX. The tax department with Wells Fargo stated that the were creating a dispute for this matter but I still haven't received anything. 
I have continuously tried to resolve this matter with Wells Fargo but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - I sent a dispute to Lexis Nexis advising of incorrect Bankruptcy information. According to my research they are under the FCRA rules ; thus, they have violated the 30 day response. I contacted Lexis Nexis via phone around the first week of XX/XX/XXXX to inquiry about the dispute and I was told the dispute was still under review. I advised the CSR that the time for response is past -due ; thus, the incorrect information has to be deleted. As of today XX/XX/2018 : I still have not received a response and they are in violation of the FCRA.
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 Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 or other personal consumer reports

I have been checking my credit report regularly and keep finding a lot of errors on it, inaccurate information everywhere. This has been a regular occurrence on my report and my requests to correct it keeps getting ignored and it is extremely XXXX, it's XXXX my XXXX  and my credit score XXXX.
Product: Credit reporting or other personal consumer reports

Ad d r es s : XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Name : XXXX XXXX XXXX XXXX XXXX ) Fraudulent Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : Account : XXXX XXXX  XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX  : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding the inaccurate reporting of hard inquiries on my credit report. Despite my efforts to dispute the following inquiries, Equifax has refused to remove them, asserting that they are factual. The disputed inquiries are from XXXX ( address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, dated XX/XX/XXXX ), XXXX XXXX XXXX ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have consistently disputed these inquiries with Equifax, explaining that they were either unauthorized or incorrectly reported. However, Equifax has failed to conduct a thorough investigation or provide adequate documentation to substantiate their claims of accuracy. The presence of these hard inquiries is unjustly impacting my credit score and financial standing. I respectfully request the CFPB to intervene and ensure that Equifax performs a proper investigation, corrects these inaccuracies, and adheres to the Fair Credit Reporting Act ( FCRA ) requirements, thereby protecting my rights as a consumer.
Product: Debt collection

XX/XX/XXXX : Notified by XXXX that they consider the working stovetop " damaged '' and in need of replacement to the tune of {$660.00} ( XXXX XXXX charged amount is {$550.00} after overcharging for move-out cleaning services to which they concede ) XX/XX/XXXX : I appeal the matter to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LAT ) XX/XX/XXXX : The City contacts XXXX to get their view of the case XX/XX/XXXX : XXXX sends the stovetop XXXX charge to a collections agency ( FCO ) without awaiting final judgment from the City XX/XX/XXXX : I dispute the charge with FCO citing that the matter was not resolved with the City and providing the chain of email correspondence XX/XX/XXXX : I file a complaint with the XXXX Office of the Attorney General regarding this matter, which remains pending XX/XX/XXXX : FCO finds in favor of XXXX and demands payment XXXX disregarding both the illegitimacy of the original charge and the fact that its pending government arbitration XX/XX/XXXX : I report the issue to XXXX  who agree to escalate the matter to the commission once its impaneled XX/XX/XXXX : FCO falsely reports the collection as a debt to the three credit bureaus ( XXXX, XXXX, XXXX )
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for this issue but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal
Product: Vehicle loan or lease

My personal information was stolen years ago and used for several unauthorized accounts on my credit report. i would like these accounts off my report immediately. 
I've filed fraud and identity theft XX/XX/2023
Product: Mortgage

I asked for the COVID Forbearance and was denied by my mortgager, the XXXX, I only need enough time to sell. It's an inherited property.
Product: Credit reporting or other personal consumer reports

I requested the removal of these inaccurate accounts from my credit report. Please check the documents I've sent in regard to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems -- - This collections account has been paid in full and is resolved with the original account holder, this account should not be on shown on my credit report due to inaccurate information. 

XXXX  and XXXX  continue to not report this collections account inaccurately and showing a delinquent account with {$190.00} owed -- This is false and inaccurate information. 

XXXX  has been transparent and is reflecting the correct information. 

Please feel free to contact the original account holder for verification of no balance being owed. Attached is e-mail communication that will verify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXX the first date of the violation by XXXX is XX/XX/XXXX next one is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile one by Credit Collection Serve Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & god bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/XXXX. requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Opened : XX/XX/2018 XXXX  : {$0.00}
Product: Debt collection

I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor had about. I realized that my credit was compromised and my name was in collection agency.
Product: Checking or savings account

Many times I was charged atm fees when I wasnt supposed to be. Ive had my account hacked numerous times as well.
Product: Student loan

I XXXX  with my XXXX XXXX in XXXX of XXXX, my XXXX loan company gave me a grace period until XXXX of XXXX. I was still struggling to pay my monthly payments of {$300.00}. I contacted the company in XXXX of XXXX and asked what I could do and they stated they would give me until XXXX of XXXX to start paying my loans. Since this period of XXXX XXXX XX/XX/XXXX, my XXXX loan debt has increased to about {$30000.00}. I have recently contacted the company and asked why my balance had increased so drastically when they communicated that I would be in a grace period. The only response I received was due to interest rates, which is something they did not communicate with me over the phone about last year. My XXXX XXXX payments went from {$300.00} a month to now {$2000.00} a month.
Product: Debt collection

The first communication that I received from the debt collector was a court summons delivered to my mother in laws home. I received the summons in hand a week later from her. The summons stated that i alledgedly owed money to the debt collector. There was no advisement that I had the right to dispute the debt and that I had 30 days to demand that the debt collector validate the debt. I then attempted to demand validation of the debt after doing online research. i sent a certified letter 9 days ago on XXXX XXXX, 2016. The post office told me today, XXXX XXXX, 2016 at approximately XXXX XXXX that the certified letter had been attempted to be delivered on XXXX XXXX, 2016 ( 2 days after I mailed it ) but was not accepted by the debt collector. So as of today, XXXX XXXX, 2016 I am withoyut knowledge or information sufficient to form an opinion as to the truth and accuracy of the claim and based on that i deny generally and specifically the claim of debt to this collector.