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

In accordance to the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX has 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 : A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : DEMAND FOR IMMEDIATE DELETION AND PERMANENT BLOCKING OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT Dear TransUnion Dispute Department , This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the immediate deletion and permanent blocking of the following fraudulent accounts that have been unlawfully reported under my credit file due to identity theft : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX I have submitted a police report numerous times since XX/XX/XXXX, along with an FTC Identity Theft Report, clearly stating that these accounts were fraudulently opened in my name. Under the FCRA, TransUnion was required to remove these accounts within four ( 4 ) business days from receiving my identity theft report ( 605B ). The failure to do so constitutes a direct violation of the FCRA. 

Additionally, TransUnion has failed to provide proper documentation verifying the accuracy of these accounts, including : Proof of the verification process, including the method used to investigate each disputed account ( 611 ( a ) ( 7 ) ).

Details of the investigation, including who was contacted, along with the time and date of the verification ( 611 ).

Proof that these accounts belong to me, including original applications, signatures, and supporting documents used to establish ownership ( 609 ).

Since TransUnion has failed to comply with its obligations under the FCRA, I demand that you immediately delete and permanently block these fraudulent accounts from my credit report. Failure to do so will result in further action and taking legal action to enforce my rights under federal law ( 616 & 617 ).

I expect a written response confirming the deletion and blocking of these accounts within five ( 5 ) business days of your receipt of this letter. If you require additional information, you may contact me at the details provided above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Equifax has been called several times to Remove fraudulent data. The reps at times have been helpful not all. on another note, I have had identity theft and have proven so, by completing a police report and having data from Equifax stating I was included in password leaks and breaches. Equifax has held to neglecting to remove the information from my profile. With this being my XXXX step in a Default notice which will also be presented to Equifax if this last attempt is not met with XXXX XXXX, By certified mail. The Specialist of the Fraud Department has provided assistance but these fraudulent details still remain. I am re-attaching the information provided in the last report. Numerous data details which are fraud remain on this profile, and Equifax should be held responsible for continuing to maintain inaccurate data after acknowledging the Affidavits being provided. I am being provided the received receipts and the information still remains on the profile. This has been a year battle with Equifax. Every minute spent calling and every effort communicating with Equifax will be provided to the endless hours recovering from the Data Breach. As a Service Provider and Company, Equifax should be held responsible for its contract that states it will protect the consumer. It continues to be an issue today. This serves as my direct report to Equifax to provide XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX BALANCED {$5700.00} XXXX XXXX XXXX  BALANCED {$220.00} XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX BALANCED {$480.00} XXXX XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX BALANCED {$260.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX XXXX BALANCED {$3000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$3000.00} XXXX  XXXX BALANCED {$910.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$5300.00} XXXX XXXX XXXXXXXX BALANCED {$110.00} XXXX  XXXX XXXX BALANCED {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT 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 FOLLOEING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Checking or savings account

On XX/XX/XXXX th XXXX someone gained access to my banking information log in and attempted a few withdrawals : Two from XXXX each ( {$4000.00} ) total and the person deposit a fake check from the State of Connecticut I deposited 2 months ago and destroyed it. 

The check is fake because I already deposited this check 2 months ago. 

How the person got a copy of this check I dont know, and Im scared that this could caused me a lot of problems. 

Please help me resolve it. 

My bank account Bank of America account XXXX Name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative report in my Credit account data or Fico score from a Credit Card company known as Barclays Bank. Located in Delaware??? Phone number XXXX? They claim i owe them a balance of XXXX dollars on a limit of XXXX  dollars? I also am suppose to submit them XXXX a month??? I do not have any Credit Cards from said  company much less an account. I did have a lost Credit Card from XXXX XXXX which i immeditely reported to them. That issue has been resolved but some one may have used card to open up that Barclays account??? At any rate i have no idea who Barclys Bank is other than the info i got from another local bank when we were doing a refinance analysis. I have called them but never get a sraight answer or no one from Managementat said phone number? Meanwhile my score has gone from XXXX to XXXX as a result of them??
Product: Checking or savings account

I've requested a reasonable settlement offer to compensate for damages due to accounts opened by Wells Fargo reps which I did not need or want, no reasonable offer made to date. Damages include lost interest on monies unable to deposit due to information reported by Wells Fargo to consumer reporting agencies, information has prevented me from opening deposit accounts for several years now. Wells Fargo has mailed me numerous mediation request forms, six filled out to date, no reasonable offer made to compensate for damages. A mediation session was made with Wells Fargo rep, XXXX XXXX, an offer of {$300.00} presented, then increased to {$500.00}, which again does not cover damages. The mediation session appears to only cover damages by accounts themselves, not damages stemming from them. Further, prior remedy offers made including {$3700.00} by XXXX XXXX and the last offer amount of {$500.00} do not cover damages including lost interest during time period from last Wells Fargo account closed to date.. Failing to make a reasonable settlement offer, I request Wells Fargo to STOP sending mediation request forms, if not, they will be refused. Also, I request a mailing address to file a lawsuit against Wells Fargo.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$5200.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan on a XXXX XXXX was paid off to Capital One on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with XXXX, XXXX, and XXXX to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

Premier Portfolio group continues to call and leave me messages from different numbers. I have just received another call today. I have received no documentation from them that I requested to be mailed to my home. They attached a document on another complaint that shows my debt is from XX/XX/XXXX. I have a chapter XXXX bankruptcy that was discharged XXXX/XXXX/XXXX. this debt was included. They should not be able to keep calling and harassing people that have had a bankruptcy discharge 4 years ago. Please have the debt collection stop as bankruptcy should stop those calls. And the company has still not sent any valid paperwork to my home as they stated. and this has been over a month. Now they call and leave another threatening message on my voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago.

Upon information and belief, no one from Experian has taken accountability for my credit disputes, therefore no one from Experian can testify in court against me.

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Experian to adhere to the law? Clearly, Experian does not complete reasonable dispute investigations for consumers. From my personal experience, Experian conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages.

I have been advised to provide Experian and the CFPB with this Affidavit included in this complaint and wait for a response from Experian. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Experian to claim damages for myself as well as millions of Americans who have been affected by Experians FCRA violations.

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Product: Credit reporting

XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff
Product: Mortgage

My family was going through a hardship and we had a mortgage with Wells Fargo. I contacted Wells Fargo and they had me submit numerous documents and letters explaining the hardship. They offered us monthly payments I believe of {$2100.00} instead of XXXX for only one year and they wanted us to contact them to negotiate a modification I did so and paid my 12 months timely when the time was up I contacted Wells Fargo and they told me there was nothing they could do did not even work with us. The Home went into a short sale for closure. The hardship became worse when we had no home and XXXX little children. I will never bank with Wells Fargo again.
Product: Mortgage

Back in XXXX when my Mortgage was transferred I made my XXXX payment in XXXX and also spoke to someone about a payment arrangement for XXXX months. My payments are {$620.00} and my regular mortgage payment is {$470.00} and after making my XXXX payment of {$620.00} on XX/XX/XXXX I am be harassed about a XXXX payment their telling me I should have paid the XXXX payment the end of XXXX. Now, the XXXX payment should be included in the XXXX month arrangement. Thats why I am paying more for XXXX  months and if I had paid the XXXX payment my mortgage would be caught up cause I gave them a payment on XX/XX/1919. This is very confusing. I can afford my mortgage I just cant afford this business trying to get more money and I only am able to make a mortgage payment once a month
Product: Debt collection

balance {$8400.00} open XX/XX/year> I was recently made aware that I was a victim of identity theft, and this account was opened in my name without my knowledge or authorization. I have no relationship with this creditor and did not incur this debt.
Product: Debt collection

I have a {$9.00} toll charge with the XXXX. They have a contract with Linebarger Goggan Blair to collect debts. I live in the XXXX area, and my bank card on file had expired so when the money in my account was used, it kicked back the charge. I received an invoice for the tolls + administrative costs from XXXX. I contacted them to correct the issue. I was told to contact my local toll authority ( XXXX ) and have them send over verification of a good standing account. I did that. During their exchange of information which I have no control over, XXXX sent my account to collections, subsequently adding approximately {$120.00} on top of the {$30.00} administrative fees ( which XXXX agreed to remove ). My final bill is {$150.00}. I was instructed to contact Linebarger for any removal of their fees, which they told me they would not do under any circumstance, and the collection representative " XXXX '', informed me that I had committed a Class C Misdemeanor and had broken the law. All the toll authority had to do is run the charge again, but they send their accounts to collections because someone is getting their pockets lined at the consumers expense. It is unethical. I did not attempt to break any law and XXXX has since received money on behalf of my toll usage, but has maintained that they will not take my toll payment for this one day.
Product: Credit card

QVC ( Ca Secretary of State # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPLAINT ; QVC sold XXXX a defective stroller. I purchased this stroller for my granddaughter on XX/XX/XXXX, didn't put the stroller together until XXXX XXXX XXXX because my granddaughter was not at my home. My granddaughter only came to my home XXXX  month ago and I started using the stroller every day. My granddaughter is not even full weight as a XXXX. This stroller fell apart. I went to dinner with my granddaughter yesterday, pulled the stroller out and it would open up for me to sit my granddaughter in. I could not carry my granddaughter as I am a XXXX Veteran with XXXX  issues. I had to not go to dinner and return home because of this broken stroller. I paid {$140.00} for this stroller that is now broken through no fault of my own in this short time. I have not even used this stroller for XXXX full year as it was still in the box until my granddaughter was at my house everyday XXXX month ago. This stroller is a top-of-the-line stroller, it should have not broken this quick with such minimal use. I have determined that this stroller is defective, screws even came a loose and will not go back together. I make a reasonable attempt to contact QVC and gave them my order number # XXXX for this item XXXX XXXX XXXX XXXX XXXX XXXX ( blue ), I paid {$140.00} for a stroller that is useless now. I asked QVC to either replace this stroller or refund my money, they refuse to do either. I am not going to be out {$140.00} and still need a stroller. I told QVC that if they are refusing to replace this stroller or my refund that I was going to file a Formal Complaint on them requesting my refund of {$140.00} XXXX XXXX XXXX  XXXX XXXX ; XXXX complaints closed in last XXXX years XXXX complaints closed in last XXXX  months Desired settlement : Contact by the business ; Refund Money paid to business : XXXX OTHER COMPLAINTS FILED ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Federal Trade Commission - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ordered a XXXX vacuum ( Serial XXXX ) XX/XX/XXXX in the amount of {$380.00}, returned and received by XXXX XX/XX/XXXX. Affirm told never got the refund credited. Called many times between Affirm and XXXX to sort out to get my credit ; finally got email confirmation from XXXX XX/XX/XXXX refunded {$340.00} with reference number ( attached file ). 

Contacted Affirm through calls, chats, open cases with their resolution center to sort out to get my refund from my partial payments ( Total of {$190.00} ), but being told credit wasn't there. I was being directed to contact XXXX, and when I did I was told refund being credited as the reference number has confirmed. Affirm refused to step up and investigate where the money went from XXXX 's credit and closed my dispute cases over and over with irrelevant reasons. I had sent a letter to Affirm 's headquarter addressed to the management team to help look into my cases XX/XX/XXXX ( Case ID XXXX and Case ID XXXX ) as they wrongfully report to the XXXX Credit Bureau that my loan has been past due and delinquent since XXXX ; while I should be getting my money back from the refund. 
I have tried for months and instead of getting my {$190.00} back from the loan, Affirm wrongfully damaging XXXX points from my XXXX XXXX. Seeking help from the CFPB to assist in this as this is outrageous and is a bad business to many consumers Appreciate your help and follow up. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft