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

In accordance 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 XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX 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 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 reporting, credit repair services, or other personal consumer reports

I sent a letter certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) stating that inaccuracies were on my report and needed to be deleted.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX credit reported that I had two credit cards two months overdue. I immediately contacted XXXX and advised that I do not get any statements, nor do I pay these two accounts.I also noted that I never miss payments, and always pay more than the minimum each month on my credit cards. In a matter of days, I was notified by XXXX card that they reduced my credit amount, by {$14000.00}. Prior to the XXXX error, XXXX had increased my credit limit to {$20000.00}! An increase that I never wanted nor requested! This was due to report from Equifax ; although XXXX has tried to cover it up by stating I have over extended my Credit! However, all of my credit cards, including XXXX XXXX - based on XXXX XXXX  Report which was based on XXXX 's report, have lowered my FICO scores considerably. XXXX also lowered my my credit rating all because of XXXX 's initial report. ON XX/XX/2024 XXXX notified me that they DELETED THE TWO PAYMENTS ON THE CREDIT CARDS IN QUESTION. I might add that XXXX had a data breach and my e-mail was listed on the " Dark Web, '' and it was XXXX XXXX who notified me, not XXXX. I am very concerned, especially due to XXXX 's reducing credit limit that I am now being viewed as untrustworthy! Again, I have never asked for any credit increases from any of my credit cards. Furthermore, I believe XXXX is not practicing good business principles by authorizing credit increases when they are not requested.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, Made a final monthly installment payment, prior to this as per contract told the store manager I was buying another car and to come pickup the vehicle to satisfy the title loan as stated in contract. The manager refused, twice and wanted me to drive the vehicle to the store. I explained I could not, it was not reliable and I have a XXXX son of which I couldn't leave unattended. The manager told me to try and sell the vehicle at XXXX XXXX, I tried but they don't buy rebuilt salvage vehicles. Then the manager said to try a third party buyer, they also refused to buy a rebuilt salvage vehicle and valued it at - {$500.00} for XXXX XXXX XXXX ; also tried to trade-in when bought new car, XXXX XXXX said no and quoted same value due to high miles and previous flood damage. Because it was sitting out in visitors parking at apartment complex, not tagged, for weeks awaiting for Title Max to retrieve, was warned it would be towed so I sold it to a junk car company who took it with no title, and towed it away for {$500.00}. That same day I paid about half to the Title Max company and explained to them what I did and why. 
There after they begin calling me numerous times a day, leaving messages, some 40 voicemail even after I requested they send me a mailing per the FCRA, they continued calling and I being made to explain over and over what took place and why. They said they weren't set up to bill by mail thus the numerous calls. 
I took this title loan out in XX/XX/XXXX and paid over the amount of the {$1000.00} borrowed on time until the rebuilt salvaged car broke down and I was told it would cost more to repair that what it was worth it was near XXXX XXXX XXXX. Title Max knew because the title said rebuilt salvaged vehicle. Now they're saying, by mailing I owe them {$1200.00}.
Product: Credit reporting or other personal consumer reports

Thank you for addressing the erroneous entries on my credit report. However, there are still items that need to be removed. This new request highlights the impact of incorrect credit information on my file. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within XXXX business days, provided I submit : ( XXXX ) Appropriate proof of my identity ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) Identification of the disputed information ; ( XXXX ) A statement declaring that the information is not related to any transaction by me. The following items are inaccurate and need to be removed from my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ========XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX If you claim these items are accurate and verifiable, please provide copies of any documentation associated with these items that bear my signature, as I believe none exists. When no such signed agreements are found, please remove these items from my file. I am aware that non-compliance with the FCRA statute is common. If my request is ignored, I will refer this matter to my attorney. I urge you to resolve this without escalating to a legal dispute. You have XXXX business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.
Product: Checking or savings account

XX/XX/year> we set up a payment processing account with XXXX  through our business XXXX XXXX account. This account is set up in XXXX. 

We were never given access to our account in XXXX. 

We were forced to request payment reports through email. First, we were informed they could not be provided. Eventually, they did send them but still did not grant access to our XXXX  account. 

In XX/XX/year> the XXXX integration failed multiple times. We were no longer able to process customer refunds. This was extremely problematic. Each time it was resolved- the integration broke down again. 

XX/XX/year> we formally requested access to our XXXX  account. We were denied. We were told we would not be allowed to access our own customer data unless we cancelled our XXXX XXXX account. Other customers who have requested this informed us they were charged {$700.00} to access their payment data upon cancellation and were never provided access to it until that point.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX - {$610.00} XXXX XXXX  - {$170.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - {$0.00} XXXX XXXX - {$620.00} XXXX XXXX - {$680.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

hi, my mortgage was with countrywide until XXXX than bank of america claim they have the mortgage at the same time my husband and i helping my father with medical and haspital bills he was XXXX .we ask and wrote bank of america hard ship/forbearance loan but bank of america did not get us but modifacition loan trial XXXX modification trial application satart XXXX but delay after delay paper after paper we didint get loan trial start until XXXX we start to pay XXXX, XXXX, XXXX, XXXX, XXXX but check we pay in may they send send us back i dont know wahat happend before we do bank of america foreclosure on .after all we new aplication new paper work restarted.on XXXX XXXX we write letter to deman XXXX is our lender after we cosult a lowyer andread some information bank america mortgage froud /modification froud bank america send me a letter XXXX XXXX saying bank of america was a servicer and my lender /investor is countrywide ... my XXXX years home for my still on foreclosure, i cant affort to pay XXXX {$20.00} for a lowyer.we bought XXXX years ago for {$82.00}. we cant get credit to fix ac/bathrooms/kitchen/roof/floor need list XXXX {$75.00} now bank of america get me to sign loan modification for over {$120.00} we are suffer, XXXX and frustrated XXXX years, my husband had a XXXX XXXX XXXX from stres we need help.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, a woman and a consumer who is a victim of identity theft. Someone has stolen and compromised my identifying information causing my credit standing to be damaged. My credit reports with XXXX XXXX, XXXX, and Equifax have all been compromised due to the theft, and there are accounts being reported that include negative information as a result of the ID Theft. The accounts are : XXXX XXXX/Fraudulent amount : {$10000.00}, XXXX XXXXFraudulent amount : {$18000.00}, XXXX XXXX/Fraudulent amount : {$17000.00}, and XXXXFraudulent amount : {$1300.00}. I have filed an identity theft report and seeking remedy for the compromised accounts to be permanently deleted from my credit reports from all three credit reporting agencies. I need these accounts to be blocked, deleted, and removed from my credit report within 4 business days as required under FCRA Section 605B. I do not known anything about the crime or the suspect. I just want my credit standing restored. Please see my attached documents.
Product: Credit reporting or other personal consumer reports

Received a fraud alert notifying me of 2 hard credit inquiries I did not approve or initiate from 1. CAP ONE NA Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX  and 2. XXXX XXXX Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX  I called both Cap One NA, XXXXXXXX who both told me they couldn't do anything and that I needed to contact XXXX, XXXX and XXXX separately to notify them of these fraudulent hard inquiries that I did not authorize nor approve. Each of those companies said that I needed to file a complaint with FTC if I wanted it to be investigated further so this is why I'm writing this complaint now.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX
Product: Prepaid card

I filed a dispute with Regions on XX/XX/2024 because my Now prepaid card was compromised, and funds were stolen without my knowledge or consent. Regions immediately closed my prepaid card account, and they also disabled me access to use my debit card that's linked to my checking account. I was sent a cashier 's check for the remaining balance on my prepaid card. They denied my claim, and no further communication has been offered.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act XXXX Victoria Secret account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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

Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Debt collection

This Company reporting a debt thats been charged off by a third party. The information is inaccurate on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.With the debt being charged off I never received a 1099c debt cancellation form from the IRS. Not to mention this Company have violated my rights under Code U.S.1681s-2 ( a ) ( i ) ( a )
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 {$3000.00}. 
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 ) -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT #  XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account.
Product: Debt collection

XXXX XXXXXXXX associates does not obtain a legal license to collect any debts in XXXX state they have illegally attempted and has illegally impacted my credit score which has caused depression and extreme mental stress
Product: Money transfer, virtual currency, or money service

XXXX of my clients sent me an ach to my bank for payment of services ( {$2300.00} ). By accident I gave them the wrong account number. We contacted his bank ( XXXX  ) and mine ( Chase ) to try and straighten this out. I filed a fraud case but Chase said there is nothing they can do. His bank sent him an insufficient funds notice. They were able to look into the account and discovered that the money was withdrawn the same day. Chase also stated that they can not give me any information about the person who received the money. 
I would like Chase to refund the money but to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that I believe to be fraudulent. After reviewing my financial statements, I noticed charges on my [ credit card/debit card/banking ] account that I did not authorize. I am concerned that my personal and financial information may have been compromised. 

Charged off UPSTART XXXX XXXX Account number : XXXX Account Balance : {$2400.00} Date opened : XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Dear CFPB, I am writing to formally request your assistance in addressing ongoing issues I am experiencing with the credit bureau, Equifax XXXX Despite multiple attempts to resolve inaccurate reporting on my credit file, Equifax has failed to provide me with a satisfactory response. On XX/XX/XXXX, I sent a certified letter to Equifax disputing an account reported as a charge-off. However, when I called to confirm the receipt of my dispute, I was informed that they had not received it, which I find questionable. This indicates that Equifax is not taking my disputes seriously. 

For several months, I have been disputing this account, which has multiple discrepancies and errors. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to report accurate information. Despite this, Equifax has continuously reported conflicting information on my credit reports. Each time I raise a dispute, they merely update the account but never address the inaccuracies or provide a satisfactory investigation outcome, stating only that the account has been verified. 

The issues I have identified include : File Number : XXXX Date : XX/XX/XXXX Details : Date Closed : XX/XX/XXXX Date First Delinquency First Reported : XX/XX/XXXX ( indicated as contradictory in file XXXX ) Date of Last Payment and Activity : Unknown Account Past Due : Unknown File Date : XX/XX/XXXX Confirmation : XXXX Details : Date Closed : XX/XX/XXXX ( contradictory to XX/XX/XXXX in file XXXX ) Date Last Payment and Activity : Unknown Amount Past Due : Unknown Contradictory Dates : The account closure dates differ in various XXXX and XX/XX/XXXX. 
Inconsistent Reporting of Delinquency : The date of the first delinquency is listed as XX/XX/XXXX, yet there is conflicting information in different records. 
Missing Information : Key details, such as the date of the last payment, last activity, and past due amount, are marked as Unknown, leaving gaps in the accounts history that make it difficult to verify accuracy. 

I respectfully request that the CFPB take action to ensure Equifax conducts a thorough review of my dispute and adheres to the FCRA requirements to report 100 % accurate information. Equifaxs repeated failure to investigate and correct these errors has caused undue hardship and frustration.Thank you for your attention to this matter. I hope that with your intervention, Equifax will be held accountable for their obligations under the FCRA and provide an accurate resolution to my dispute ( see all documents attached ) Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX hospital bills that should be covered by insurance. 
Fraud with credit card accounts
Product: Credit card or prepaid card

I contacted Comenity bank via a dispute through the credit bureaus in XX/XX/XXXX to alert them of the fact that I had my identity stolen while I was in XXXX  and have been unable to open credit accounts in my name which is a stipulation of my release from federal XXXX. They did nothing but determined that I was responsible for those accounts. I followed that up with more information which was a police report, an identity theft affidavit from the FTC and all identifying information along with a letter requesting to have the accounts reinvestagated. I spoke to XXXXXXXX XXXX account protection case investigations representative on XX/XX/XXXX and she advised me that even though they recieved the documents mentioned above they have still determined that I am responsible for the accounts. Even after I explaind that I was in XXXX for 3 years followed by a XXXX XXXX  for a year and XXXX for 5 years after the fact. I can't open any new lines of credit without prior consent from the United States Federal XXXX department. They refuse to remove and stop reporting this fraudulent information from my credit reports. I want this fraudulent negative information removed from my reports. 
Comenity bank is a horrible bank. 
The store cards in question are for wayfair and XXXX.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX Balance : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX