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

On or around XX/XX/XXXX, I discovered multiple fraudulent accounts and inquiries appearing on my credit report that I did not open or authorize. These include an auto loan or lease opened in XX/XX/XXXX for an amount of {$2500.00}, another auto loan or lease opened in XX/XX/XXXX for an amount of {$23000.00}, as well as personal or business loans opened in XX/XX/XXXX and XX/XX/XXXX totaling {$2400.00} and {$350.00}, respectively. In addition, I identified unauthorized inquiries from various financial institutions. 

I immediately disputed these items and provided evidence of identity theft, including documentation from the Federal Trade Commission. While some of the disputed accounts were initially removed, they were later reinserted by Experian onto my credit report without proper notice or newly discovered evidence, which violates the Fair Credit Reporting Acts ( FCRA ) requirements for reinsertion. Additionally, the credit reporting agency failed to conduct a full and proper investigation, as several disputes were closed without the agency verifying key details or considering the proof I submitted. 

Photos attached. 

These wrongful reinsertions and the lack of a thorough investigation have caused significant harm, including negative effects on my credit score and potential issues with accessing credit, employment, or housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of human trafficking through debt bondage. This situation falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). 

I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

$ XXXX from XXXX Collector didnt notify me before placing on credit report Vance and Huffman LLC . 
Also now my social security number has been on the dark web since XXXX of 2022
Product: Debt collection

XX/XX/19-received a letter from National Credit systems , Inc. XXXX , GA in regards to a debt owed. The original creditor was XXXX XXXX XXXX, XXXX, MD. I explained to them I had a pending law against the XXXX  's. I submit court documents dated XX/XX/2019, in regards to case number XXXX, Court date XXXX in Court Room # 3, in the District Court of Maryland XXXX County , XXXX XXXX XXXX, XXXX XXXX , MD. I won a judgment against the XXXX 's in the amount of {$2400.00}. I received emails from all 3 credit bureaus stating a collection again was entered on my credit report by the above credit systems. They were suppose to wait until the final court decision was decided. I was given instructions by the original debtor that I could have 6 months to pay the final {$1200.00}. This collection was entered before the final decision was determined by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD 2 COLLECTIONS ON MY CREDIT REPORTS AND TRIED 4 TIMES TO GET THE ITEMS REMOVED FROM EQUIFAX BUT EXQUIFAX REFUSES TO REMOVE THE ITEMS. TXXXX AND XXXX REMOVED THE ITEMS ON MY FIRST ATTEMPT WRITING TO THEM. 
EQUIFAX REFUSES TO REMOVE THE ITEMS I DEMANDED TO RECEIVE VERIFABLE PROOF 4 TIMES FROM EQUIFAX BUT EQUIFAX REFUSES TO COMPLY WITH FEDERAL LAW. ALL EQUIFAX SAYS IS THAT IT WAS VERIFIED. THE TWO ITEM I WANTED REMOVED WAS XXXX XXXX THAT WAS REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS. THE SECOND ITEM WAS FROM XXXX XXXX XXXX REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS.
Product: Checking or savings account

I was promised a {$200.00} bonus for opening my 'Sofi Money ' deposit account. I joined a waiting list and awhile later I was sent an email telling me my account was opened. At that time, I went to the companies website and read their FAQ which indicated the bonus was still active for new accounts. I followed the terms in their FAQ ( depositing {$500.00} ) and after not receiving the bonus, emailed the company. They told me the bonus was discontinued and have refused to pay it. They have now removed this from their FAQ but it was there at the time my account was opened and when I made my deposit.
Product: Credit reporting or other personal consumer reports

This is to inform that my credit report has been used inappropriately and this violated my consumer right, this companies violated my consumer right. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  ( bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

I am getting repeated phone calls from a company called CBE. They use robocalling but never once have they answered the phone. I don't know why they are calling or what det it is in reference because they never pick up the line. 

CALL HISTORY : XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2XXXX XXXX XXXX No answer XX/XX/2022 XXXX XXXX No answer XX/XX/202XXXX XXXX XXXX. and XXXXXXXX XXXX No answer XX/XX/2022 XXXXXXXX XXXX No answer XX/XX/2022 XXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. and XXXX XXXX. No answer XX/XX/2022 XXXX XXXX. No answer XX/XX/2022 XXXX XXXX. and XXXXXXXX XXXX No answer XX/XX/2022 XXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer I am XXXX and have one phone, it is taxing on me to go to the phone everytime they call.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to dispute the accuracy of the following accounts and inquiries appearing on my credit report with Equifax. These items are not related to any transactions I have authorized and are the result of identity theft. 

Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date : XX/XX/year> ) Please block these items from my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) and notify the furnishers of these items regarding this dispute.

Enclosed, you will find the following documents to support my claim : A copy of my Identity Theft Report and proof of identity.

A copy of Section 605B of the FCRA for reference. 


Thank you for addressing this matter promptly. I look forward to your confirmation that these items have been removed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried SEVEARL times getting this FTC report to Transunion, XXXX and XXXX. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

See attached Documents In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX / XXXX - account number ending in XXXX and XXXX XXXX  account number ending in XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C. 1681 ( a ) ( 4 ), FCRA section 602 ( a ) States I have the right to privacy. 15 U.S.C. 1681b-a ( 2 ) ( Section 604 A section 2 ) : It also states a consumer reporting agency can not furnish an 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, ( they may only report crimes not debts ) 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 the information is inaccurate. Please also see the Certified copy of the Department of the Treasury Division of Revenue Uniform Commercial Code Section SEARCH CERTIFICATE # XXXX SEARCH CRITERIA for XXXX XXXX, the Consumer, whereas the search results stated : " NO RECORDS FOUND ''. Please have RESPONDENT prove to Affiant and the CFPB that there is an actual debt and the fact that said alleged debt is owed by Affiant when the department of the Treasury States otherwise. Resolution : Financial compensation in the amount of {$1000.00} USD per day since the inception and start of the negative reporting to current date and {$100000.00} for the fraud and deceptive practices that is ongoing and causing irreparable harm, stress, mental anguish and undue financial hardships for Affiant. Please delete these accounts properlythank you!
Product: Checking or savings account

Navy Federal Credit Union deposited funds into my account between XX/XX/XXXX- XX/XX/XXXX without my written or verbal consent. Then XX/XX/XXXX they took the funds they deposited out of my account. I contacted the on XX/XX/XXXX and was advised that I couldn't set up a payment arrangement. The withdrawal brought my balance to XXXX. I earn {$1700.00} every two weeks. This will cause my family hardship. I have autopayment that come out of my account. Returned payments receive a {$29.00} return fee. 

Navy Federal Credit Union credited the funds into my account to bring my account balance to {$0.00} when I received the Child Income Tax Credit payments from XXXX to XXXX of XXXX. I did not sign up for this program. 

XX/XX/XXXX : XXXX XXXX : XXXX XX/XX/XXXX : XXXX ( even though my balance was XXXX ) XX/XX/XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : XXXX ( Withdrawal )
Product: Debt collection

An account from Southern Management Systems appeared on my credit report and Ive never heard of this company and was never notified of this debt they claim I owe. I never received notice of debt or given a chance to dispute either. The day I owe {$1000.00} dollars and it was reported as of XX/XX/year> and opened XX/XX/year>, I have not received any written communication of this debt at all.
Product: Credit reporting or other personal consumer reports

Experian has been sent the CFPB deletion of file document for XXXX XXXX and has ignored ignored it for the XXXX time now. This comes after a full 14 months of disputes they refused to run at FCRA standards. Even when provided with documentation and verbally told over the phone to accurately read documents they have refused to resolve issue. They stated they folllow their own rules which are not the same as FCRA. This is a Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) as they are intentionally reporting an inaccuracy on my report knowing full well the information is not correct. Experian has been email the documents which where signed as received, called over the phone, wnd digitally sent all files. They have still refused to correct issues. Due to Experians negligence I have been unable to progress further in my career as they keep opening disputes that last 30 days and not investigating issues with any urgency or care. When spoken to on the phone there was a level of disrespect I was treated with when asked why the documents Ive sent have not been looked at accurately as they clearly state my personal information and that the file was removed. Experian has maliciously ruined my credit by refusing to investigate at FCRA standards and ignoring any information sent to them and this has been a recurring issues as they have been told on many previous disputes to investigate correctly
Product: Student loan

I have no idea how I over over XXXX. I never was told about my interest. I took out XXXX small loans. I went to a 4 year university and lived on campus for one year. XXXX did nothing to help me. I barely make XXXX with a college degree.I was never told about private and federal loans and going to school out of state. Nothing was explained to me.
Product: Checking or savings account

I just received a check from california rent relief program. The check is drawn on wells fargo which I possess an account as joint account holder. Both myself and joint account holder traveled to local wells fargo branch both Thursday XX/XX/XXXX and Friday XX/XX/XXXX. On first day the bank actually deposited check several times while there at bank and placed their stamping marks upon it after having me execute my signature on reverse side. Initially they claimed they could not accept check because unable to reach program for verification. However we successfully reached program who then spoke with bank and verified everything. Then bank tells us that they will not accept check because they deem it too high risk. We traveled to several nearby branches locally whereby we were advised that they were notified by original branch and they would not allow depositing of check.
Product: Debt collection

Please find attached. Do not communicate by telephone with me I am represented by an attorney. No lawsuits have been filed as of yet. Theres a few issues with this debt and it's collection by PMS. 1. They contacted me on my cell phone using an automated pre-recorded message, which I did not consent to and was for non-emergency purposes ( TCPA ) 2. This debt is the subject of litigation against the original creditor and PMS is attempting to communicate after it is known I am represented by an attorney. Find attached letters, which is a violation of The Fair Debt Collections Practices Act. ( 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the original creditor and natural person. I did not give written consent for them to furnish my consumer report. An medical information is not suppose to be reported on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was placed into suspension, Im not able to use card or order new card along with increase my credit limit ; due to me being denied because of erroneous information being furnished on my account by other companies. Discover is denying me credit or to extend my credit due to the information they obtain every month from running soft inquiries on my consumer report. All of these acts from discover are violations under the FCRA, TILA and ECOA.
Product: Checking or savings account

Chime had closed my account and failed to issue me a closure check. I called numerous times to customer service and get the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI : Mi name is Ms XXXX XXXX. XXXX XXXX married my husband XXXX XXXX during a credit background check on XX/XX/2018 to get our first house noticed an unauthorized account from the financial institution XXXX XXXX XXXX XXXX from my credit report, my husband in my name summit a claim with my authorization to the federal trade commission for identity theft problem, because i dont speak or write in English, just for my safeguard. 

The claim with the ( report number XXXX ) was made on XX/XX/2018, on XX/XX/2018 my husband and i went to the financial institution XXXX XXXX XXXX XXXX, we explain the institution the problem with the ( account number XXXX ), the institution after checking that account information they said the account number is it an old one that the updated or new account is ( XXXX ), they said the information in reference is it from my mothers and fathers not my, they said the house was foreclosure, we let then know the house was never on foreclose not before or after it was properly sale to my son in law, we let then know why the ( account number XXXX ) it is on my credit report as foreclosure, they said it was a mistake during the process, because my mothers name is ( XXXX XXXX XXXX XXXX and my is XXXX XXXX XXXX XXXX ), with different social security number, we let then know that excuse do not make sense for us, that was their explanation, after that they said they will begin with the investigation, about the issue, but they do not gave us any documentation about when they will fix the problem or how or when they will remove the information from my credit report an fix my credit report or even make a claim hard copied report to us. 

This issue has greatly affected my husband an myself to get our first house using his VA voucher or Certificate of Eligibility, he is a retired service connected veteran and thanks to the financial institution XXXX XXXX XXXX XXXX an their error on my credit report we can not, until the financial institution XXXX XXXX XXXX XXXX fix it, the only thing we wants is the proper documentation about the full problem and how and when they will fix and remove it from my credit report so we can start the search for our first new house, Thank you for you assistant an hopping you can do something for us ...
Product: Debt collection

This debt was accumulated as I was the caretaker for my spouse for 5 years until she XXXX  in 2018 of XXXX XXXX & XXXX XXXX I was unable to work full time so this burden of debt was created. 
Now at the age of XXXX I am haunted and threaten by the bank and collectors of theirs. 
Please help me I have been sending half of my S/Security income monthly to them {$900.00} among the XXXXhree Institutions but their collectors are relentless. 

In my life time i would not be able to satisfy these debt and especially now with the pandemic and being unemployed for almost a year i am destitute.
Product: Mortgage

Several years ago I had a loan modification done on my home with Ocwen loan services LLC. Apart of that was a balloon payment at the end of the loan. It would be based on the value of the house at the time and the loan had a 6.875 percent interest rate. XX/XX/XXXX I decided to refinance my house hoping to reduce the interest rate. So i contacted my bank XXXX XXXX on XX/XX/2016- XXXX XXXX of XXXX XXXX Calif . They came by and did the appraisal of the house for XXXX XXXX. A couple of weeks later I was contacted by another appraiser wanting to appraise the house and asked who ordered the appraisal. I was told Ocwen. Since i was not contacted by Ocwen with their request i said no. I immediately contacted XXXX XXXX, they contacted Ocwen and offered to send them a copy of the XX/XX/2016 appraisal for their use.Ocwen agreed and have been sent the appraisal several times. Ocwen has used every excuse possible, from " they had not received it '' to " they needed it in color ''. Now their current excuse is that " the appraisal has expired ''. It is XX/XX/XXXX and this started in XX/XX/XXXX.
Product: Credit card

I lost a bank of america credit card in XXXX and asked for a new ones, with a new number. 
ever since then, I have paid off each statement in full riggt after recieving their stament, and the next month find out they have charged high interset, saying the balance was not paid in full. 
XXXX times i have paid the amount in the local BOA office, with a rep calling to confirm the correct amount, pay it, yet they keep charging interest for not paying in full. After the last statement i told them would file complaint if it happened again, and it did. I charge that BOA is doing this on purpose and ripping off other customers. As a computer programmer belive they are printing statements with a cut off date, but do not cut off that statement for several more days. With my latest statement, i called to complain again, BOA told me i was wrong, but could not explain the charge. I have called and cancelled the card, will pay it off at the local BOA, and inform them I am pushing for BOA to be fined. I can produce the statements and paymentdetails as needed. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX, XXXXXXXXXXXX