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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$1700.00}
Product: Mortgage

We have done four loans thru Caliber homes loans, the experience up until this point has met my expectations. We have paid three of he four loans off. Unfortunately, my home suffered significant water damage in early XXXX. One would think that the insurance company would be difficult party when trying to repair your home however, caliber home loans has proven to be the nuisance. My insurance company worked swiftly in identifying the problems and providing a payment for repairs. Caliber has taken over two months to release the payments and I have had to pay a significant amount of money out of pocket while waiting for caliber. While caliber may do an acceptable jobs underwriting a loan there customer service has completely failed me and my family. We have perfect credit and have never missed or made a payment late in 30 years. Because we have paid so much out of pocket to try and fix our house we are struggling to make our mortgage payment. Caliber should not be allowed to write mortgages if they can not provide adequate customer service. They are clearly acting in bad faith.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at 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: Debt collection

I keep getting repeated phone calls every day from a company called Nationwide Recovery. The phone number I get the calls from is XXXX, a XXXX number but everyone that calls has a XXXX accent. They claim I have a hospital bill from 2016 but I never received anything in the mail regarding anything from 2016. No bills, collection notices, nothing. Today they called me 4 times within a 3 hour window. Yesterday, I talked to them and asked them to stop calling, but that went nowhere. When I hang up, they call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent EQUIFAX a dispute letter regarding 6 late payments to XXXX on XX/XX/XXXX. ( One letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XX/XX/XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. They informed me the recovering lost funds was impossible and tracking those transactions was infeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it is also states a consumer reporting agency can not furnish a account without my written instructions.

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

According to Nelnet, which is currently my student loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because Nelnet reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT PLEASE REMOVE ERROR CODE BLNK
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to violate my consumer rights under the Fair Credit Reporting Act. There are several names and address listed that do not belong to me. I have previously disputed this same information with the consumer agencies and they have claimed to have verified the information and it will remain. I didnt receive any documents or further explanation as to what they used to determine the information was correct. I would like each consumer agency to accurately reflect my information so that I am not denied for credit which is also a violation of my rights. My name is XXXX XXXX my address is XXXX XXXX XXXX  XXXX GA XXXX there should be no other information listed on my consumer report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Student loan

I originally got a {$16000.00} from XXXX XXXX and over the past 10 years I paid back {$39000.00}. My loan was turned over to Navient and they are telling me I still owe {$19000.00}. They have hurt my credit and my co-signers credit. I hired a lawyer and they refused to talk with him and they continue to harass me and my co-signer. I do n't think they have been honest about all the payments and interest I have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD XXXX -This is not verified. I contacted the furnisher as you told me to do and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 
XXXX XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

I requested that the accounts on my credit report be verified on XX/XX/year>.
Product: Debt collection

Repeated monthly Reports of negative collection of medical debt on credit report that is not my responsibility.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to remove fraudulent items from my credit file. Despite numerous communications and submissions of supporting documentation, the fraudulent entries persist on my credit report, adversely affecting my financial standing and causing considerable distress.

I have made numerous efforts to rectify this situation, including submitting identity theft affidavits, police reports, and other supporting documentation to verify the inaccuracies in my credit report. However, despite my best efforts, the fraudulent items remain unresolved.

The persistence of these inaccuracies has had a significant impact on my ability to secure credit, obtain favorable interest rates, and negatively influenced my overall financial well-being. I am deeply concerned about the potential long-term consequences if this matter is not promptly and effectively addressed.

I kindly request that you thoroughly investigate and promptly resolve the issues outlined above. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and providing a clear plan of action to rectify the inaccuracies on my credit report.

If the necessary steps are not taken to address this matter promptly, I will have no choice but to escalate my complaint to regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, nor am I associated with the creditors mentioned.
Product: Credit card

I had a Macy's/American Express card XXXX The Amex portion was compromised and I received a bill showing a late charge. I had never used the Amex portion of the card and thought it was just my Macy 's bill. When I realized it was fraudulent charges, I contacted them and they started a claim in XXXX 2014. The claim is still outstanding and I have been receiving letters from their collections division. I have called at least XXXX times, each time they tell me it is still under investigation and they received the Declaration of Fraud paper in XXXX 2014, yet the case has not been resolved. I have been told multiple times that a supervisor will call me back regarding the issue, with not XXXX return call. I closed the Amex portion of the card immediately after realizing the fraud had taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Equifax my FTC Identity report with supporting identification documents in reference fraudulent inquiries placed on my report, on XX/XX/2021. Once submitted i called the Fraud team and they told me inquiries would be removed. After, they inquiries came back as factual. I would like the inquiries removed from my report immediately
Product: Credit card or prepaid card

Dear Sir or Madam, Please help me. I am a victim of identity theft, and I am being held responsible by Discover Card for {$5300.00} in purchases that I absolutely did not make. The fraud dispute process has failed. I have been fighting with Discover Card since XX/XX/XXXX, but every time I resubmit my claim, I get rejected with no explanation. When I call, I am told that I can not speak directly with a member of the fraud resolution team because they " do not accept phone calls. '' I want to exercise my rights under the Fair Credit Billing Act ( FCBA ). I first notified Discover Card of the fraudulent activity on XX/XX/XXXX. The charges were credited from my account, beginning on XX/XX/XXXX. I received correspondence from Discover that all unauthorized charges have been credited on my account. 

But on XX/XX/XXXX, I received a letter from Discover stating that they changed their minds, and that I was responsible for all charges. They placed all credited fraud charges back on my account! 

This is a violation of the dispute settlement procedures provided by the FCBA ( 161, sections A and B ). The FCBA settlement procedures apply to fraud or unauthorized charges, which I am disputing. Federal law states Discover must resolve the dispute within two billing cycles ( but not more than 90 days ) after receiving my notification of disputed charges. Discover failed to meet this timeline, and the law clearly states that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges even if the creditor finds the charges to be valid. 

My dispute was initiated in the XX/XX/XXXX to XX/XX/XXXX billing cycle. The dispute was not resolved within the next 2 billing cycles of XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. The disputed charges did not reappear back on our account until the XXXX billing cycle of XX/XX/XXXX to XX/XX/XXXX. Therefore, even if Discover believes these charges to be valid, ( which they absolutely are not ), under law, we are not responsible to pay the charges. 

I am attaching proof that the dispute began in the XX/XX/XXXX billing cycle, and the dispute was not resolved until 3 billing cycles later, in the XX/XX/XXXX billing cycle. 

I am also attaching the overwhelming evidence proving that the fraud charges were not authorized by me or anyone in my family. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to send me my title and correct derogatory credit reporting in agreement to dismissed court case. And did not hold up to their end of the signed agreement. And reported negatively on all 3 of my credit reports. And had vehicle repossessed. After court cased settled out of court.
Product: Credit reporting or other personal consumer reports

Both of these inquiries I have no knowledge of, and I am requesting that they both be removed from all three of the credit reporting agencies Inquiry Date Removal Date Type Phone Number XXXX XX/XX/2024 Banks and XXXX & XXXX ( XXXX ) XXXX and also Inquiry Date Removal Date Type Phone Number XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both inquiries list that the dates they would be removed from my credit report and they are not removed and they arent even mines there is no written documentation with my signature for either
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i request items on my report to be reinvestigated. These items are negativity affecting my credit.
Product: Debt collection

Ally Financial Inc claim to be a creditor to me. I have never had any contact with them in the past. never borrowed from them never received any money from them. they have used my entire TIN no account number in reporting a debt. I LEASED a car from GMAC, I was lead to believe I could purchase the car at the end of the lease. I was denied the purchase of the car due to a couple late payment. I had over mileage fees I payed as much as I could and just could not pay anymore. this amount was removed from my credit. It has been over 8 years since I communicated with the loan company not ally financial. The leased car was about 18 years ago. ALLY financial reported that I owed {$7600.00} I DID NOT OWE THEM ANY MONEY. I owed GMAC FINANCIAL NOT ALLY FINANCIAL.
Product: Credit reporting or other personal consumer reports

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Chase bank has an unauthorized inquiry on my XXXX  credit report that i want removed. Attached is a word document which is the exact letter i printed out and sent to chase via certified mail to let them become aware of what it is i want and the current situation. In the letter i also let them be aware that i would be copying the cfpb so it would force their hand to respond. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I filed a complaint that accounts I disputes on XX/XX/2019 claiming the accounts were not mine and that the legal timeframe of 30 days has passed but Equifax has NOT removed those accounts as the FCRA law clearly requires. see complaint # XXXX In Equifax 's response they admit the creditors did not respond until XX/XX/2019 Yet have refused to follow the law and remove those accounts.

Equifax is recklessly and deliberately ignoring their legal requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX