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. 

Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 or other personal consumer reports

Subject : XXXX Continued Violations of FCRA Failure to Verify Accounts, Refusal to Block Fraudulent Items Dear CFPB Representative, I am submitting this complaint against XXXX for their continued refusal to comply with the Fair Credit Reporting Act ( FCRA ), failure to block fraudulent information despite valid identity theft documentation, and their deceptive practices in handling my credit file. 
Summary of XXXX Unlawful Actions 1. XXXX falsely claims that creditors have " verified '' fraudulent accounts but refuses to provide any supporting evidence. 
2. XXXX has ignored my legally submitted FTC Identity Theft Report and police report, violating FCRA 605B. 
3. XXXX has allowed previously deleted accounts to be reinserted onto my report without proper notification, violating FCRA 611 ( a ) ( 5 ) ( B ). 
4. XXXX refuses to remove unauthorized inquiries from my credit report, violating FCRA 1681b. 
5. XXXX is engaging in deceptive and unfair practices, causing financial harm and emotional distress. 
Specific Fraudulent Items That Must Be Removed Immediately Despite my repeated disputes and submission of identity theft documentation, XXXX continues to report the following fraudulent accounts : * XXXX XXXX XXXX ( Charge-Off ) * XXXX XXXX XXXX XXXX {$17000.00} ) * XXXX XXXX XXXX XXXX {$17000.00} ) * XXXXXXXX XXXX  ( {$5500.00} ) * XXXX XXXX ( Collection - {$11000.00} ) * XXXX XXXXXXXX XXXX {$810.00} and {$280.00} ) XXXX XXXX XXXX  * Multiple unauthorized inquiries from auto lenders and financial institutions. 
XXXX Violation of Consumer Rights * Equifax has violated FCRA 611 ( a ) ( 7 ) by failing to provide their method of verification ( MOV ). 
* XXXX is violating FCRA 605B by refusing to block identity theft-related accounts. 
* XXXX is violating FCRA 611 ( a ) ( 5 ) ( B ) by reinserting fraudulent accounts without proper notice. 
* XXXX is violating FCRA 1681b by failing to remove unauthorized inquiries. 
Immediate Actions Demanded by CFPB I demand that the CFPB take immediate action against XXXX for these violations and require them to : 1. Immediately provide their method of verification for all disputed accounts or delete them permanently.

2. Honor my FTC Identity Theft Report and police report by blocking fraudulent accounts and inquiries as required by FCRA 605B. 
3. Investigate XXXX use of unreliable third-party vendors for credit reporting. 
4. Ensure that fraudulent accounts are permanently removed and not reinserted.

5. Impose financial penalties against XXXX for their repeated violations and refusal to follow consumer protection laws. 
6. XXXX {$20000.00} in damages for financial harm, loss of credit opportunities, and ongoing emotional distress caused by XXXX negligence. 
I request that the CFPB escalate this matter and enforce stricter regulatory action against XXXX. Their ongoing deceptive practices are harming me and countless other consumers. 
Please keep me updated on the investigation. Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge.

Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.
Product: Mortgage

It took me a whole year to figure this one out. 

On XXXX we put in a XXXX XXXX  loan application with XXXX in XXXX XXXX. We were denied on XXXX and then approved on XXXX because the home was not already set up on the property. So they had us fill out another application and approved us through country place mortgage. On XXXX the revised loan proposal for a " XXXX XXXX '' and earnest money contract. The loan officer made us sign another earnest money contract and pay the down payment on XXXX. We gave the loan officer our insurance agent 's information and he based the quotes on our appraisal and prevented us from getting other insurance. On XXXX the loan officer mentioned the new construction items we had but still considered our new build home a construction home. 

Upon reviewing the Apprisal Documents the comparable houses that were used were all own, sold, and created by XXXX or XXXX and wrongly listed that they were sold in the time frame that they were. Some of those homes are still owed by XXXX. 

I am located in XXXX 's old XXXX the XXXX XXXX. You can still XXXX it and find their website. they worked with the same developer for 10 years on this project.
Product: Credit reporting or other personal consumer reports

I informed Experian and XXXX credit reporting agencies of incorrect and unknown items being reported on my credit report. Disputes were filed with each company on several occasions, for an account totalling {$6500.00}, {$1300.00}, and {$2900.00}, yet no changes were ever made. These companies have violated laws 15 U.s. code 1681 ( S ) -2 as well as law 15 Usc 1681. I am humbly seeking your assistance in this matter in order to get this matter resolved.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern about the disputed accounts on my credit report. Despite raising these inaccuracies several times and requesting thorough investigations, I have yet to receive a resolution or any corrective action. 

These erroneous accounts are causing significant damage to my credit and hindering my ability to live normally. The ongoing impact of these inaccuracies has led to serious hardships, and I urgently seek your assistance in resolving this matter. 

I kindly request a comprehensive investigation into each of the disputed accounts. It is vital that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial situation. 

I urge you to prioritize this issue and take prompt action. Your cooperation in resolving this matter swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.
Product: Student loan

Before leaving for an XXXX assignment I filled out a deferment for my student loan so for 12 months I was not making payments only to find out when I returned I have had missed payments for extensive periods of time. I submitted my XXXX orders over to the service in the hope to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proven that these accounts do not belong to me and that the information is not accurate and the companies continue to place in accurate information on my personal credit file. I have no other choice but to try to rectify this false informations being reported on my personal credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

identify you and your account. 
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

We had a credit lock put on our equifax credit report after a fraud incident. We paid a fee for this service. We cancelled this service a few months ago. When we tried to refinance our mortgage we were told there was still a lock on the account. We called equifax and they charged us a fee to take the lock off. It was still locked and we called them again and they charged us another fee. The account was still locked. They then said they needed a fax of our drivers license and Social Security card. We faxed and have a confirm but they are claiming the either did not receive it or it was illegible, they do not know which. We need to get this lock of the credit report to be able to complete the mortgage refinance process but Equifax seems incapable of staing what we need to do to have a lock we paid for to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, FORD CRED and on XX/XX/2019, XXXX/XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

My name is XXXX XXXX my Macey s American express account is XXXX last four of social XXXX date of birth XXXX XXXX address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX my complaint is that I'm trying to get a emergency increase on my card to XXXX or XXXX XXXX limit from my XXXX limit reason is that my furniture and items were damaged in a flood. Can you please ask the wonderful people at maceys if they can increased my limit to a higher amount thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I received a letter thanking me for opening a new XXXX XXXX XXXX XXXX. I tried to contact the company via email only to be told ( on XX/XX/XXXX ) that it was the rewards account and I need to contact Wells Fargo, the issuer of the card. The card was received in the mail on XX/XX/XXXX. I called the number on the card to report that I didn't apply for the card. They said that they had XXXX the card and I asked if they could verify that no other cards were issued against the account. He asked for my phone number and I felt they should tell me what it was - and then my fiance got angry and started yelling. He was not on the phone but the rep. could hear him and ended the call because it was 'abusive '. I am not sure what is happening now but I am worried that someone else may have a card against this account. I have done research and apparently XXXX does this a lot - sending out cards to people who do apply for them.
Product: Debt collection

I already reached out to Commonwealth Financial Systems and informed them the original debt owner adjusted the debt due to an internal error and my account with XXXX XXXX XXXXXXXX XXXX has been adjusted to XXXX.
Product: Credit reporting

I have dispute with Experian serveral time to delete XXXX of same account that was files as bankruptcy in 2008, the account name is XXXX XXXX ID XXXX and XXXX XXXX ID XXXX are the same account for the amount of {$730.00} I have request to removed but all other credit report has removed it, Experian has my score to lows and this need to updates. I also have another account that was files as bankruptcyXXXX XXXX ID XXXX I also need that one removed like other credit report.
Product: Credit reporting or other personal consumer reports

I disputed over XXXX fraudulent inquiries on my Equifax report and included an identify theft report in which Equifax refuses to remove the inquiries that are not mine despite being involved in a date breach
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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: Money transfer, virtual currency, or money service

A scammer extorted {$3000.00} from my wife in the form of a XXXX transaction at around XXXX XXXX XXXX XX/XX/year>. I was made aware of this transaction within XXXX minutes and contacted my bank XXXX Bank of America XXXX about the issue. Both my wife and I were on the phone with Bank of America XXXX XXXX XXXX department and verbally unauthorized the transaction together. They were not able to stop process on the transaction and claimed that the funds transferred near instantly and that there was nothing to be done other than file claims with both XXXX and BOFA fraud, and to contact local authorities. 

The host and target bank, as well as XXXX, should be held liable for their inaction to put a time limit on fund transfer, failure to put identity verification controls on payment recipients and senders, and failure to immediately rescind/ refund unauthorized payments to scammers immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I noticed you are preparing and reporting a false consumer report about me which defames my character and general reputation with the intention of extorting money out of me. I do not recall giving your my written permission and consent to do this. If i did such thing may you please provide me with it immediately Also, it is an inconvenience to me when your company contacts me, or communicates with me through any medium other than the CFPB. I refuse to pay this alleged debt!! Please CEASE & DESIST all further communications with me, my family, my friends and employers; relating to anything in regards to me. IF you wish to communicate with me and me only please do so ONLY through the CFPB. I am aware that the documents you are going to provide is NOT verification of the alleged debt. verification of a debt is not an account statement or any of the documents you are going to provide. If you wish to validate the alleged debt I would like to see the actual accounting ledger which shows the source of funds being loaned out. A XXXXXXXX daily transaction log AND a binding contract between XXXX XXXX XXXX & I. If your company can not provide this, then the debt can not be validated and you are legally required to delete the accounts from my consumer report. Also, could you please show me where a contract says that I agreed for non public personal information and/or transactions to be furnished on my consumer report? I would also like to see that you guys provided me with an option to Opt-out from such reporting. delete the account from my consumer report because it is false misleading inaccurate and is defaming my character and reputation causing me not to be able to obtain future credit because of such false reporting. Your company actions are unfair to me and deceptive... if you can not show the required verification, you are legally required to delete the account from my consumer report. I am only giving your company 7 DAYS to complete such request. notice is considered given upon receipt of this email. please provide me with all the above documents/information I asked for so that I am able to verify that the debt is accurate, if you can not provide such please delete the accounts from my consumer reports immediately. I also would like to see that i gave you my permission/consent in your initial communication with me ( because you do not have the initial communication as required by law ) that you were able to prepare a report of my consumer character and report on my consumer credit report. If you can not provide the same then you are in violation of the FDCPA and are liable to me for my harm and actual and statutory damages. in the event that we can not come to an agreement, I will pursue this matter with arbitration or counsel. **Please Note that I have forwarded your company and I responses to the CFPB, attorney general and comptroller of currency** YOUR COMPANY HAS 7 DAYS TO COMPLETE SUCH REQUEST OTHERWISE I WILL FURTHER THIS MATTER IN COURT AND/OR ARBITRATION.
Product: Credit reporting, credit repair services, 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 Account ) XXXXXXXX XXXX ( Account ) XXXX XXXX XXXX  ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX  ( Account ) XXXX XXXX U.S.C 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.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code s 1681n section 1 ( A ) ( B ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater