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

XXXX, TRANSUNION, XXXX, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( XXXX, TRANSUNION ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

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

These negative accounts on my EXPERIAN credit report are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally I had asked them to remove the charge off wording on my credit report and they say they ca n't but what I do n't understand is why they submitted the same charge-off again on my credit report when I paid them off now they have it being charged off again on  XXXX   XXXX ,  XXXX  originally they charged it off on  XXXX   XXXX ,  XXXX . I do n't understand why they submitted it again preventing me not to be able to get a refinance of my mortgage.
Product: Credit reporting or other personal consumer reports

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : UNKNOWN Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance XXXX {$630.00} XXXX XXXX Balance : {$1500.00XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : 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/year>
Product: Debt collection

{$3800.00} Midland Credit Management keeps illegally reporting inaccurate fraudulent collection debt to credit bureau XXXX, XXXX and XXXX. I have submitted evidence through police investigations as evidence of credit card fraud and identity theft. The fraudulent debt was originally removed from XXXX and midland credit management bought this fraudulent debt account and has reinserted this debt collection as new open debt. This is illegal and has to be removed IMMEDIATELY. XXXX, XXXX and XXXX are not properly investigating this debt as to is was originally reported as fraudulent from original debtor and by law can not be reassigned just because another company bought the fraudulent account.
Product: Credit reporting or other personal consumer reports

Prosper pulled my credit profile and left a hard inquiry without giving me any funds. This was only suppose to be a soft pull. I called into their customer service line and XXXX told me that wasn't suppose to take place and they will work on removing in a few days. I filing a complaint to make sure this gets done
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Account : XXXX XXXX. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Mortgage

XXXX Contacted Fifth Third Bank for a copy of my file and requested a copy of the XXXX XXXX. As of XX/XX/2022 have not received the letter. According to Resp 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ) I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. No response from Fifth Third Bank XXXX Contacted Fifth Third Bank for a copy of my entire file. There were too many inconsistencies from department to department. As of XX/XX/2022 have not received the letter. According to Respa 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ). I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. 
No response from Fifth Third Bank Contacted the XXXX XXXX XXXX, XXXX one of the lawyers from XXXX via email dated XX/XX/2022 to make sure the right law firm was handling the case. The phone numbers match but the address on the Urgent Notice of Acceleration of the Mortgage Loan : Payment Due in Full Does not match. The law firm on the letter is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX XXXX. The email XXXX XXXX XXXX sent me does not have an address only a website www.codilis.com. 

Notice not sent of the transfer of my mortgage to XXXX XXXX XXXX. The title company I closed with is XXXX XXXX XXXX XXXX XXXX. I can't tell if this is the original document or a fake.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I applied for auto loan application on XX/XX/2023. I spoke to XXXX and XXXX of Bank of America. I made it well aware that the were in violation of my rights. I was not denied credit. I provided the proper information. I was not given the funds for the auto loan. XXXX the XXXX said XXXX was the reason for the denial. I never did business with XXXX for them to be the reason the denial baffles me. I told XXXX I will be reaching out to the CFPB. I still want the funds for my auto loan. I told XXXX the call is recorded. I was confused because she told me that I can not receive the funds only the dealership. So I want to know why was I able to apply for the loan online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX, Experian, and XXXX ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.
Product: Debt collection

Someone stole my information out my car and I filed a police report for the fraud on my accounts and I set up fraud alerts to my social Security number
Product: Vehicle loan or lease

Original loan with Wells Fargo Auto was purchase of Certified Pre-Owned XXXX XXXX from XXXX, AZ dealer XXXX XX/XX/XXXX. The loan has been paid monthly since purchase usuall several days before due date the first of each month. In addition, Three pre-payments were made totaling {$7000.00} In a former complaint, I went on-line to WFA web and started a re-finance application in XX/XX/XXXX. I did not complete the application and closed the WFA web site believing an incomplete application would be rejected. Shortly after, I learned WFA underwrote the incomplete application. However, since I never gave permission for WFA to access my credit information, I believe their access to my credit history was illegal. Between XX/XX/XXXX and XX/XX/XXXX I had contact with WFA Office of the President and the issue was finally addressed. 
The week of XX/XX/XXXX, I contacted WFA and inquired about re-financing the loan assuming interest rates would be more favourable. 
I was informed WFA had made the decision in XX/XX/XXXX not to accept any applications to re-finance auto loans even though they are the original company that extended the loan to me. 
The reason given, " due to the current Corona Virus problems. 
Although not illegal I suspect, to refuse to allow me or any other clients to take advantage of lower consumer finance rates should not be allowed and/or WFA should be prohibited from offering consumer loans to the general public. 
I also suspect, the decision not to accept applications for re-financing customer loans in good standing was not publicly announced to the general public in order to escape further damage to the reputation of Wells Fargo Bank. Either the company is in the business of consumer loans or they are not.
Product: Debt collection

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I informed the company that they are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, they started in writing that the debt was verified and that these items are being reported correctly. They have NOT provided me with a copy of ANY original documentation ( a consumer contract that my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required Section 611 ( a ) ( 7 ). In the last interaction, the company said that they will no longer reply to my request to verify.
Product: Bank account or service

Santander Bank declined a debit card transaction even though my account had sufficent funds to cover the amount.
Product: Credit reporting

In report no. XXXX, Equifax deleted what was n't mine, XXXX filings by stating they entity has a different address, but the same case number, then relisted the deleted items with the same case number as under investigation. On XX/XX/2017, Equifax produced a report that stated the items wasnt deleted, they werent excluded or removed with the non-existent address baring the same case number, and once again relisted the XXXX filings as if they were under investigation but the false statement in the XX/XX/2017 is different then the statement of removal in the report XXXX, which said the following : & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX XXXX has been added to my credit report for XXXX, XXXX, and for TransUnion. I just received the notification. This is fraudulent information. This company has not sent any notices at all. Probably because they know that it isn't my debt and is someone elses. These credit bureaus are required to verify and validate any and all information before it is reported to my credit report and they have not done so. I have extended fraud alerts on here and they have allowed fraudulent information to be reported to my credit report. There is no reason why fraudulent information should be showing up on any of my credit reports.
Product: Checking or savings account

XX/XX/year> : Account was frozen due to {$20000.00} transfer and funds were returned to BMO alto account. 

XX/XX/year> : Provided statements showing the amount used to fund my account was via a loan from my credit union. BMO alto noted this was high risk and no longer wanted to do business with me. 

XX/XX/year> : BMO alto informed me it would take 4-6 week to obtain my funds. They noted nothing can be done to elevate the matter.

At this point my money is being withheld from me. 4-6 weeks is excessive to not have them available for use.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : 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 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

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have made 2 attempts to pay my credit card on XX/XX/XXXX and XX/XX/XXXX, through the company 's app. weeks apart. In both occasions there were funds in my account even if it did take 3 business days to process, funds were there. I have received o notice on the app that both payments were being processed. Then I received a negative remark on my credit that I did not pay. When calling the bank, they stated there were no attempts. When I called first progress they disclosed that they had no control over the app at all which is false advertisement. I am trusting that this app should take the money out when reported to do so and report accurately to the credit bureaus. Making payments with this company is extremely hard and its a deformation of my character to say that I have not pain when in fact I have the receipts ( from the app ) that says otherwise. They are not taking the money out when they need too and processing time is too long, and they are lying on when they attempted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 

XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX