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

Experian had been reported and inaccurate birthdate as XXXX  thats not completed information in addition XXXX, XXXX, XXXX, XXXX have been reporting inaccurate information which has had an negative impact on my credit in addition to unauthorized inquiries from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires reporting on my credit profile that are fraudulent and does not belong to me. Below are the fraudulent accounts : TransUnion : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX : XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. The below accounts should not be on my consumer report.Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not ensure this information was accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to confirm that the transaction took place. As a result of this my privacy was breached and my right to privacy was violated. Pursuant 15 usc 1681a ( d ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate categorized as a transaction that was issued from a credit card. 

XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Checking or savings account

I have been speaking to XXXX in XXXX XXXX about receiving a new check XX/XX/XXXX. She said she has a supervisor verify that the check I was mailed, back in early XXXX for closing my account hasn't been cashed. Meaning that US Bank still has my money. ALL I am asking is that I get a new check made out for me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. Despite my efforts to resolve this matter directly with Equifax, the issue remains unresolved. 
The following unauthorized inquiries are listed on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXMovement Mortgage Dated XX/XX/XXXX These inquiries were made without my knowledge or consent and are fraudulent. I have provided Equifax with all necessary documentation to demonstrate that I did not authorize these inquiries, and I firmly believe they are the result of a data breach. 
It is important to note that my credit profile was frozen at the time these inquiries occurred, further underscoring that I could not have authorized them. Despite this, Equifax has failed to take appropriate action to remove these fraudulent inquiries from my credit report. 
Equifax 's refusal or failure to investigate and resolve this issue has caused me undue stress and potential damage to my credit profile. I am requesting that the CFPB investigate this matter and ensure that Equifax complies with the Fair Credit Reporting Act ( FCRA ) by removing these fraudulent inquiries and improving their processes for handling consumer disputes related to unauthorized activity. 

Thank you for your attention to this matter. I trust the CFPB will act to hold Equifax accountable and protect consumers like me from unauthorized and fraudulent credit reporting practices. 

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

I have reported several accounts on my credit report as fraudulent because I am a victim of identity theft. I reported this through the FTC at identitytheft.gov and I have attached the report. I mailed the letter for Equifax about two weeks ago, and they have not responded or removed any of the information from my credit report.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I sent a wire for {$25.00} over to Coinbase INC/XXXX XXXX in XXXX. On XX/XX/XXXX they sent me an email saying that they could NOT accept the wire and they would send it back to my bank in 10 business days. Has been almost 2 months now and no money. I have contacted coinbase and asked them about it and all they say is we are very backed up and a specialist is taking care of your case and you will get your money soon but so far nothing. I would like them to return my money so I can feed my family. 2 months is unaccepted time to hold someone's money for no reason. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. 

XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Account number XXXX XXXX. DEPT OF EDUCATIONXXXXNELN Account number : XXXX 115 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 an account without my written instructions and proof of debt assignment to the Collection Agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..
Product: Credit reporting

On XXXX XXXX, XXXX I pulled my credit report form XXXX and noticed that Clarity Services have pulled my credit file without my permission and on be half of lenders I did n't apply to. These or hard hit inquires that will remain on my credit file for two years. Dates or as follows : XXXX XXXX, XXXX, twice XXXX XXXX. I opt-out on XXXX XXXX, XXXX from any and all promotional companies to review my file. 
Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX ( XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX ( XXXX. This inquiry is scheduled to continue on record until XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several law has been broken under the FCRA it over 30days Credit Bureaus never reply to my letter been sent to them to investigate my report, am emotional distress about my credit based on different item been place on my report which is stopping for living my best life, I can't get any home or apt due to lack of investigation credit Bureaus fail to carry out on my credit which was so painful if I have to go to the supreme court for this I don't mind, cause many rules has been violented under the FCRA by Credit Bureaus which was really affecting me for living my best life as a lawful citizen of United State of America, I can't get a rent for myself and family, I was taken for granted my the Credit Bureaus.
Product: Checking or savings account

In XXXX my XXXX XXXX XXXX daughter discovered unauthorized use of her bank card. She called and reported these as fraudulent as well as requested her account be frozen and a new card issued. For four days after new charges kept popping up. This time I called with her and the account was in fact frozen finally. On XX/XX/XXXX I discovered Truist bank froze my son and I 's checking accounts. They claim our accounts were frozen because my daughters account is still linked to mine. They have refused to unfreeze the account leaving me with no way to provide food in my house, go to doctors appointments, or refill medications. This is my only account and I do not own a credit card, or have access to cash. The total charges in question are {$3200.00} and I was told by Truist the only way to regain control of our accounts was to come in with cash to satisfy this debt. My daughter denies having any knowledge of these charges and still has her debit card so this did not occur because of a lost or stolen card.
Product: Debt collection

THIS CREDITOR HAS BEGAN SNDING LETTERS STATING THAT I OWE DEBT O AN ACCOUNT I HAVE ABSOLUTLEY NO KNOWKEDGE OF OR HAVE EVER POSSESED AND ACCOUNT WITH THIS CREDITOR. I DEMAND THEY STOP SENDING LETTERS TO MY ADDRESS AND PROCEED WITH REMOVING THIS FRADULENT ACCOUNT
Product: Bank account or service

I disputed a charge from bank account in XXXX 2016 regarding a charge from XXXX rental car. I was involved in a car accident and XXXX paid XXXX the money owed for the rental car. I confirmed with XXXX that the check was cashed by XXXX on XXXX for the amount that I was disputing. I contact XXXX on several occasions and was advised they would send me a check for the balance that was deducted from my bank account, the amount was {$590.00}. I was advised by the store manager of XXXX that the check would take 6-8 weeks it has now been 9weeks,. I contact XXXX a few weeks ago and was advised by one of there associates to dispute the charge with my bank and that this will resolve everything. Yesterday the bank declined the dispute and took all my money from my account without any notification. With that being done I contact the bank and they stated their is nothing I can do.
Product: Credit card or prepaid card

I called the company on XX/XX/2020 to find out why there was a balance on my account when I paid my last bill of {$41.00} in full on the due date. The representative I spoke with said yes I did pay on time. However, I was still charged $ XXXX. I am not understanding why I am charged a fee if my bill was paid on time. I asked for fee to be waived since I did pay the bill on time even though my money is low due to Covid and furloughed. The representative told me no. This is horrible business because the balance on the account is all from company fees and not actually items purchased.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX. 

What would be a fair resolution to this issue? 

Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report. Please review the attached letter. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting ( i ) bankruptcy in my credit report and ( ii ) wrong balances of my car loans from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX consistently. They are engaged in " willful FCRA '' violations. I have hopelessly spent over XXXX XXXX in attempting to correct this issue and including many other credit errors, since XX/XX/2019 2019
Product: Debt collection

MIDLAND IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND MIDLAND HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a house then i checked my credit report with the lender to then realize that there is a substantial amount of derogatory errors that are damaging my credit profile. It has been over thirty days with no response from either of the bureaus after disputing. Someone has used my identity to take out multiple credit cards, Auto loans, phone lines, and housing. These accounts have either closed or went to collections. I have tried to dispute these items, along with multiple addresses and phone numbers that are not associated with me but yet no action. I have lived at the same address in the same town for many years and have had the same phone number since 2010. I have no prior knowledge of these accounts prior to trying to get a mortgage. I have not received any phone calls or written documents for any of these delinquencies. According to 15 U.S.C. 1681, there shall not be any damages on my report, it is a deformation to my character. 

XXXX XXXX XXXX Closed {$0.00} XXXX Closed {$910.00} XXXX XXXX. 
Closed {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second request on the item. OneMain Financial claims that I applied for a loan or wanted to see offers, but I did not do so. I have never engaged in business activity with them and they have erroneously included a inquiry on my credit report. Furthermore, they have not shared any record of my application. I did not apply or submit any information online, so I DO NOT HAVE any record of this. If they do have any record of this, this would be identity theft and I am prepared to file a police report about this. Finally, I contacted XXXX about this and their fraud group looked into this and reached out to OneMain and subsequently deleted this item from my credit report, citing fradulent activity. Clearly something is amiss here and OneMain refuses to acknowledge their negligence.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX IN Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.

I have already disputed these items, but the bureaus, did not remove them, nor prove validation under sec. 609 of FCRA.

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
Product: Credit reporting or other personal consumer reports

I have identified some fraudulent problems with my Experian account. 

Problem # XXXX XXXX XXXX notified me that the account ending in XXXX was replaced by the current new account number XXXX due to fraud. Duplicate reporting of balance error is being made on the credit bureaus end. The balance should only be reported with XXXX not also with ... .account ending in XXXX. 

Problem # XXXX Experian errors : I should not have " name variations reported. '' I don't know where they are getting this information from. I have tried to dispute this but to no avail, the credit bureaus have ignored me. See attached DL below. 

See attached " XXXX XXXX at XXXX '' Problem # XXXX I am not tied to this business address. Regardless of my dispute request to correct this, I have been ignored. 

See attached " XXXX XXXX at XXXX '' Kind Regards, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$21000.00} 3 ) XXXX XXXX XXXX XXXX {$7500.00} 4 ) XXXX XXXX XXXX {$6000.00} 5 ) XXXX XXXX XXXX XXXX {$3500.00} 6 ) XXXX   {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX XXXX XXXX {$470.00}
Product: Credit reporting or other personal consumer reports

Hello XXXX XXXX XXXX Im writing you again til I get every problem situation and corrected as of XX/XX/year> my account has been charge off Ive should of receive my 1099-c form to file gross ordinary income and income dose not get reported as debt because the charge off process changes debt into gross ordinary income as stated by the IRS. This account is inaccurate.
Product: Checking or savings account

I purchased hearing XXXX from sams club and they are telling me that a check for {$1000.00} was not received by Synchron.I then went to my bank and obtained a copy of the check in question the front of the check and the back of the check and it states the check cleared.I have sent Synchrony all the information many times.I also sent the information certified and regular mail on several occasions.After they decide to credit my account the {$1000.00} then they will owe me $ XXXX believe that all this confusion happened because synchrony bank XXXX XXXX XXXX credit which I sent certified mail [ XXXX pages ] all the checks to [ front and back ] and they all cleared. I received no response from XXXX and multiple responses from synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX  I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX BANK. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all XXXX  of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.
Product: Debt collection

I have XXXX primary forms of Health Insurance and was told XXXX XXXX XXXX XXXX XXXX XXXX accepted and would process my claims thru each of the health insurance companies. I have contacted XXXX XXXX several times and received XXXX cooperation from administration. All Items and equipment was returned and no longer deal with this provider. I have found a medical provider that has accepted my XXXX and XXXX as full payment! Please contact me if you have any questions. Thank you.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.