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

In Accordance with the Fair Credit Reporting act, Equifax, XXXX, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX , has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my Experian credit report that I did not authorized XX/XX/XXXX XXXX XXXX XXXX, I did not authorize this inquiry XX/XX/XXXX XXXX  XXXX XXXX, I did not authorize this inquiry XX/XX/XXXX XXXX XXXX, I did not authorize the inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, I did not authorize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. I have called Transunion to resolve this issue with one of their Fraud experts and they have directed me to the lenders who pulled my file and I have no need to contact any lender that did not provide me any credit and I did NOT give them permission to pull my credit so by law they must remove these fraudulent inquiries from my file immediately. 

XXXX XX/XX/2020 XXXX- XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX- XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the date last reported is inaccurate, the comments are inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.

Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am lodging a formal complaint against Eastern Account Systems concerning their management of a debt collection account that they have listed on my credit report. 

On XX/XX/2024, I dispatched the enclosed letter to Eastern Account Systems to contest the validity of a debt they have been reporting on my credit profile. The letter was successfully delivered to Eastern Account Systems on Wednesday, XX/XX/2024, as evidenced by the attached USPS Tracking Receipt. 

For your reference, I have provided the account number and tracking number below, along with the delivery confirmation : Eastern Account Systems Account : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Tracking Number : XXXX Delivery Confirmation : Delivered to individual at XXXX XXXX  on Wednesday, XX/XX/2024 Despite my request for validation of the debt, Eastern Account Systems has not responded as of today, Thursday, XX/XX/2024, constituting a violation of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, I have settled the debt directly with XXXX, the original creditor, and no longer carry any outstanding balance, as confirmed by the attached receipts and payment confirmation. 

However, despite the debt being fully resolved and a {$0.00} balance with the original creditor, Eastern Account Systems persists in reporting this debt on my credit report, as evidenced by the attached XXXX credit report. This erroneous reporting represents another violation of the FDCPA. Such inaccurate reporting is adversely affecting my credit score and causing unwarranted stress and inconvenience.
Product: Credit reporting or other personal consumer reports

Someone hacked into my Experian account and changed the password, username, phone number, security question, and lifted a credit freeze. 

Once noticed, I was able to recover my account for about XXXX hours. 

At XXXX the following morning, someone changed the information again.I called again to recover my account and they had a completely different process using generated security questions about something that happened over 15 years ago ( a car purchase where i wasnt sure of the year ; i was at work and panicking ). This did not happen the first time i recovered my account. 

They told me I failed and they did not allow any other way to recover my account. They told me I can try again after 72 hours. They refused my request to speak with a supervisor and hung up on me.

The issue is with their terrible security and non-willingness to help customers during a very stressful situation. They are essentially allowing my credit to be wide open for a hacker to use for at least 72 hours.

The ease with which anyone can take an account is neglegent when they are unwilling to work with fraud victims to recover accounts.
Product: Debt collection

We/ Daughter had moved out of an Apartment At XXXX XXXX in XXXX Ca XXXX We thought our daughter paid the last rent, which she did not, I XXXX XXXX went into the apt office and paid it in person had the manager initial the payment made, however they had already reported this to XXXX XXXX for collection, upon them calling me I told them that this had been paid and to contact XXXX XXXX , I sent them a copy of the Check that had been initialed fast forward almost one year doing a refi and this pops up on my credit score, i had an 800+ credit score before this and am really upset that this in on my report now There manager XXXX XXXX was very rude and I lost my temper with her, at that point she said Im going to just file this as a non payments, I called the apt complex and they said they would fix this and they could not just file a complaint because they were paid Thats it, i have cancelled check from last year, i have initialed check from last year
Product: Vehicle loan or lease

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Checking or savings account

I am unable to connect to other banking applications. I talked to the bank about it and what they blamed the application I was connecting to. But I have had the same issue with different applications and I receive the same message back. It says that my bank made a change that does not allow me to connect. If that is the case they never asked for my authorization to do it. 
Thanks I hope you help me solve this problem.
Product: Student loan

On XXXX XXXX, 2015, I was involved in an automobile accident that resulted in a XXXX. Following two months of not being able to work - doctor 's orders - I began working half time on XXXX XXXX, 2015. During this period of time I have had no income. I hope to be working full time again after two more weeks of recovery and only then will I again have full time income. I have tried my best to work with Sallie Mae to get through this period of recovery and lost wages. Several phone calls later and all I was told was that my account is " all messed up '' and that it will be straightened out with the latest phone call. I was also told by that Customer Service employee that I should " ignore all phone calls '' as this situation would be resolved. I just checked my Credit Score and found out that they have not straightened out this situation - in fact they had placed on my credit record a delinquency that has severely negatively impacted my credit score and the credit score of my co-signor. I contacted Sallie Mae again and have been told that nothing can be done about this. Upon checking my Sallie Mae account on XXXX XXXX, I had a letter stating that I needed to pay over {$600.00} in order for a negative report not to be submitted to my credit record. They have already submitted that negative report! I am now hoping to begin further education this summer for a degree in XXXX XXXX. However, the way Sallie Mae has handled and, according to their representative " messed up, '' my account, I am now afraid that I will not be able to financially pursue my education objectives. And, I am afraid that my credit record will be negatively impacted by their " mess up '' and reporting to credit bureaus after I was assured this matter was cleared up on XXXX XXXX. I am at a total loss ... ..
Product: Mortgage

Forbearance because I was in XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Wells Fargo closed my credit card without notice. I 've had an account with them since XXXX/XXXX/XXXX ; it 's the oldest on my credit report. I have never made a late payment. 

Today, I received a letter dated XXXX/XXXX/XXXX stating that my account had been closed due to inactivity for 6 months. When I called them, they stated that they would have to do another hard pull of my credit report in order to reopen the account. 

This puts me between a rock and a hard place : the closure of my oldest account, which has perfect payment history, is obviously bad for my credit score. But a hard inquiry for a credit card will also hurt my credit score for the next two years. 

Wells Fargo claims that they sent a letter on XXXX/XXXX/XXXX, indicating that they would close my account if I did not respond. There is no way to know if this is true, as I never received this letter and it was not sent via certified mail. I was also on vacation from XXXX until XXXX, as Wells Fargo was aware, since my travel plans were registered with them well in advance. 

Customer service representatives confirm that WF did not call me, email me, or send me a secure message via their website. It is my belief that they intended for me *not* to receive this message -- considering that they have exclusively delivered my credit card electronically, for years, I see no other reason why WF would eschew modern means of communication. 

It is absurd and unacceptable Wells Fargo would silently terminate what is by far my longest credit relationship -- I opened the account at age XXXX ; I am now XXXX -- without any notice. The expression " XXXX '' has never felt more pertinent : in exchange for responsible use of credit, they have forced me into a situation that is *guaranteed* to adversely affect my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
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. 

Account names : -XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX Have violated my rights. 

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

I contacted this company multiple times asking this to do a full investigation regarding these multiple inquiries and he fact that my social and name had been changed as a result these inquiries popped up and were not authorized. They failed to properly investigate my request and also never sent proper validation as to why these are accurate and valid inquiries. I contacted these companies reporting inquiries on my credit and they ca n't find my information in there system yet experian failed to furnish proper valid proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report. Also, another hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report on XX/XX/XXXX.
Product: Credit card

we received a XXXX from XXXX for XX/XX/XXXX on an account that was settled for less than amount due in XX/XX/XXXX with HSBC/Beneficial. Since it has been over 7 years no one has any documentation ( only required to keep for 7 years ) and they can not sell an account to XXXX that is no longer collectable. I have included the XXXX credit reports that do not show this account at all as my guess is that they removed it when it was settled instead of reporting it as such as well as the response from the CFPB case # XXXX cfpb dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!
Product: Debt collection

Asked for original documentation to verify the debt owed and from when and failed to provide validation. When I tried to dispute the credit reporting stating the dates that they are reporting are on accurate along with the amount owed and not a verified debt they keep saying that is true and verified. I have not received any information on this debt to verify the information.
Product: Mortgage

Bank of America is once again sending mailed mortgage statements too late to make a timely payment by mail, thereby collecting a few days of extra interest from every customer effected by this practice. When I spoke to customer service, their only remedy was setting up auto payments. It was explained that statements are mailed our on the XXXX of the month, thus insuring one will never be able to mail back a payment by the XXXX to avoid being charged extra interest. Giving open access to one 's bank account to a company this underhanded does not seem wise, but it appears B of A is attempting to force people into either doing that, or accepting that they've set up this system in order to collect extra interest when mailed payments arrive a few days late. Multiplying this extra interest they're collecting by the number of mortgage payers must mean an incredible boon to B of A, at the extra expense of their customers. Surely that can't be legal.
Product: Credit card or prepaid card

In XX/XX/XXXX I received a credit card bill from XXXX/XXXX XXXX with a charge of {$2100.00} I have never opened an account with this company or shopped at a XXXX. While it was addressed in my name and with my street address but the area was not put s the correct one.

I called XXXX XXXX  and reported the fraud. The gentleman I talked to said he would open the fraud case and they had a XXXX fraud liability. He recommended that I also alert the credit bureaus and report the identity theft to Identitytheft.gov. I did that and I reported it to XXXX, who also alerted the other two credit reporting companies, and enrolled in XXXX  to give me alerts and lock my accounts from inquiries. I didn't hear anything more back from XXXX XXXX so I assumed the problem was taken care of.

OnXX/XX/XXXX I received another statement from XXXX XXXX with another charge for {$2100.00} but with a different account number. I immediately called to inquire about this new account. After being transferred several times an account manger told me that they had denied my fraud case and that they had sent me a letter informing of that. I never received any letter from them denying my claim or any forms requesting more information. She then said they denied it because after the account was opened they received a call from a phone number asking for them to increase the credit line and it was showed as the same phone number I called from to report the fraud. She refused to give me the address or phone number of the actual XXXX  where the purchase was supposed to have been made and could only tell me it was in XXXX XXXX, which I have no idea where that is and she wouldn't even let me know what state it was in. Whoever opened the account clearly has all my information and according to XXXX  I would of been one of the people who was affected by the breech. I do not know how they managed to make it look like it was coming from my phone.

I originally thought that since XXXX XXXX  claimed they were doing the fraud investigation and I had already reported it to the Credit Bureaus and Identitytheft.gov that this would be taken care of by XXXX XXXX. They did not mention my phone number had also been compromised and since I never received any of the letters they claimed to send and their representative refused to be helpful and provide me with information of the purchase so that I could ask for records of their claims I don't see that they were carrying through with the fraud investigation as they were supposed to. I have updated my FTC report, filed a police report and I have pulled up my phone records from XX/XX/XXXX/XX/XX/XXXX. The only call to the bank number was on XX/XX/XXXXwhen I called to report the fraud originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax XXXX they have a address that I once lived at my name is listed as XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I have never ever live there. Can someone help to get that removed from my credit reports?