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

Someone is opening credit cards, requesting loan approvals and using different addresses, work locations that are not mine nor did I work in those places. There are companies like XXXX, XXXX XXXX, XXXX Credit Card, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and collectors agency XXXX XXXX XXXX that have been using my old name that has not been used by me since I got married over 18 years ago. The individual or individuals that are using my information to try to open different accounts seem to be from California since those are addresses that I see under my credit report. They are using places that I've never heard of for work, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and different addresses as well. These are just to name a few of the companies and things being done as a pretense to be me.
Product: Prepaid card

I have tried to use my american express gift card multiple times with no luck. The amount I have is XXXX dollars. I tried to buy an XXXX XXXX XXXX for XXXX and XXXX and neither worked. XXXX dollars was on XX/XX/23 and XXXX was on XX/XX/23. I tried to use on XXXX for XXXX on XX/XX/23. I tried to use on XXXX for XXXX. I called american express at XXXX on XX/XX/23 and twice on XX/XX/23 and they said that their are no issues with the gift card and it is active. I can provide the gift card number if needed. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under U-S-C 1681. 
Account name : XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # XXXX Has violated my rights. 
15 U-S-C 1681 Section 602 A- stat 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 Instruction. 
15 U-S-C 1681 C- ( A ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, any other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C- 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am a natural person, I am a living human being I have right under 15 U.S.C 1681.
Product: Debt collection

I have no contract with this company. This company is reporting a debt that they have no contract to collect. This company has illegally claimed to " certify '' this as accurate reporting but has failed after several request, to prove the contract that I have breached my duty to pay them. 
XXXX is has notified me that DISPUTED ITEM NOT LISTED ON CREDIT REPORT yet is still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXX On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXXXXXX XXXX XXXX On the day of each inquiry, I was notified by XXXX and both XXXX and myself called XXXX to notify them that was not me the application was fraudulent. 

XXXX took the appropriate actions and notified XXXX, XXXX XXXX and Equifax. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - Equifax will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - XXXX helped during the initial dispute but now has no idea what to do. I asked them to notify Equifax that these two inquires are fraudulant and must be removed.
Product: Payday loan, title loan, or personal loan

I took out a title loan from XXXX XXXX XXXX of XXXX XXXX XXXX, CA i fully paid it off the still months later no title or pink slip sent to me so i went to XXXX they told me that company is notorious for keeping pink slips even after they are paid off.
Product: Checking or savings account

Today, on XX/XX/2023, at Chase 's branch between XXXX XXXX and XXXX XXXX on XXXX XXXX at XXXX XXXX, NY, Chase has refused to take a deposit of {$30.00} in quarters, which is XXXX quarters. Chase engaged in deliberate wastage of my time and forced labor, by allowing me to line up to make a deposit, demanding I put the coins within flimsy papers, and then complaining about the way they were stacked inside the papers after having to line up again while arguing with me and ultimately refusing the transfer after counting the quarters up to around $ XXXX {$9.00} and then saying " it's short '', and then giving up on the counting altogether. They then dropped some of my quarters and did not put them into a recounting machine after picking them up. Therefore I was forced to count all the quarters again myself to ensure no quarters were stolen or lost by Chase.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I ask the credits bureau to send my credit report. I saw several hard inquiries in my report I have requested for them to delete them since I did give this company to run my credit without my permission. Equifax has my name wrong and the refused to change or provide me with my credit report. Student has my loans closing several time on my credit try to reach to them and XXXX refused to update remove the inaccuracies on report that has been affecting my credit. Since all them refused to follow the law. Equifax tell to do a fcra report. I want tgem to remove all the hard inquiries, negatives and close accounts on my credit reports. I will report them since all them refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted navy federal in regards to my credit card that has a max limit of {$1600.00}. Navy Federal Reported to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.
Product: Mortgage

I am on a home loan of a home that I have not lived in since XXXX XXXX 2010. 
After my divorce which I am not liable for any loans taxes fees after the dissolution. 
PNC mortgage currently did a remodification on this property I was not a signer on this Nor do I live in this house. 
PNC Morgage based out of XXXX Ohio XXXX Loan # XXXX XXXX they refuse to take me off this loan all these years, I have had enough. 
This loan which is currently destroying my credit as XXXX XXXX has not paid his lease The past 2 months and still lives there .I also get harressed with phone calls from creditors as a result and it is Hendering me from success in many areas of my life. 
Please help me. 
Thank you, XXXX # XXXX is my personal call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. It 's very disappointing how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call. The only way I discovered this was through social media. Furthermore, I had to do their work for them and go to their poorly constructed response website to find out for myself. 

It has now has cost me several hours as well as money to freeze my credit, and more importantly, will continuously demand my time and money in order to pay for unfreezing reports as necessary in the future.
Product: Debt collection

Comenity Bank They have repeatedly called me multiple times a day while XXXX at work and in the evening. Yesterday XX/XX/year> they called me 5 times from a registered number and 3 times from a private number. I dont ever receive private calls so its too much of a coincidence to think its somebody else, at no other times do I get private calls. Literally back and forth every hour or so. Saturday XX/XX/year>, they called me 4 times and 3 times from private numbers. Its the same pattern, them, private, them, private I missed a payment, I dont deny that. They charged me a late fee and life moves on. Ill make the payment next month or later this month. I have repeatedly told them to not call me and they say they will keep calling me until the bill is paid. Recently I closed the account because I did not agree with the increase in interest rates. That may be the result of economic factors but its no way to reward good customers. This is not the first time they have done this but Im not inclined to go back in my call logs to check unless you require the info to help establish a pattern of behavior. At this point I am considering other legal recourse for the harassment but Im starting with this. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). 

Companies/Accounts XXXXXXXX XXXX XXXX XXXX XXXX  ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE XXXXXXXX XXXX XXXX XXXX XXXX - Explains identity theft and accounts reporting. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

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

I'm on my third dispute resolution for the same problem with the Equifax company. Both XXXX and XXXX resolved my dispute in my favor on the first request. It seems that Equifax is unwilling to contact XXXX XXXX regarding the information and dates I have provided them, and rather checks only with the collection agency, XXXX XXXX XXXX. To no ones surprise, XXXX continues to say I owe a XXXX XXXX  monthly charge that was billed after I closed my XXXX account. 

The dates in question are as follows : On XX/XX/2021 I called XXXX XXXX and closed my account. I also turned off my autopay feature online on that same date. I was told and got a subsequent email to the same effect that my account closure would be immediate, as in that same day. My autopay billing cycle each month ended on the XXXX, and since XXXX bills a month in advance per their statements and website, I was paid up through XX/XX/2021. I was told on this same phone call to pay the {$10.00} termination fee which I did online. 

While traveling the following month I received a bill for {$52.00} for another month of service from XXXX XXXX, and by the time I returned I found out it had been turned over to XXXX XXXX XXXX for collection. I filed disputes with all three credit agencies and XXXX and XXXX deleted the inaccurate charge from my credit report upon my first request, but Equifax for whatever reason seems to have no interest in doing so as well. 

I would greatly appreciate your assistance in getting Equifax to carefully review my complaint and invalid charge with XXXX XXXX and ask them to remove this entry from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on my XXXX credit report against Barclays Bank reporting my XXXX XXXX account as past due for XXXX dollars. XXXX determined that Barclays incorrectly reported the past-due amount and changed the XX/XX/ XXXX payment status. This dispute was filed on XXXX/XXXX/XXXX ( The same month that Barclays stated that the amount is past due, how can XX/XX/XXXX payment be past due and it was reported past due in the same month ). Barclays is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXXXXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

On my bank statement from XX/XX/17 to XX/XX/17 I observed 4 charges that I did not recognize and therefore I wanted to dispute them. The fit time I called the bank Barclay they asked a few questions and they determined that the charges were made by me. 
They advised that they were able to verify that the transactions were made by me therefore they will not initiate a dispute investigation event that is a violation of my consumer rights. Barclays can just assume because I am the cardholder all the transactions were made or authorized. Out of the 4 charges I have dealt with 2 vendors in the past but the charges that appears on my statement were not made nor authorized by me that I can recall. If the charges were made by me I demand from the bank to prove me with a voucher form the vendors on the amount of all 4 charges along with my  signature. 
I have requested to escalate this issue with upper management at the bank and I was told that someone will contact me back since the first time I contacted to the bank and as of today I have not received a phone call from anyone at the bank.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX Balance Owed : {$2600.00}
Product: Checking or savings account

For the past week, I have been trying to talk with someone at 5/3 to assist me in logging into their system to access my MB Financial account, which was closed a week prior to the merger, to obtain pdf copies of my checking account statements as well as my savings accounts. 

I have been on hold for over 80 mins between the 5 calls just to speak with someone ; plus an additional 15+ minutes while one clerk had to keep talking with a supervisor to figure out how their system worked. Every conversation, I go through verification and provide them with my phone number in case we get disconnected and without cause, I have been discounted 4 of 5 times ; the one time I was not I requested that the manager call me back instead of me wasting my time on hold while the clerk learned about their system. 

With all of my other closed accounts at numerous financial institutions from local banks to national banks to large brokerage houses, I am still able to access statements.
Product: Debt collection

Im making this complaint against RECEIVABLES PERFORMANCE for identity theft. I have never given RECEIVABLES PERFORMANCE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RECEIVABLES PERFORMANCE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RECEIVABLES PERFORMANCE continues its collection efforts, I will file for litigation for actual damages caused and RECEIVABLES PERFORMANCE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved, so it prompted me to check my credit report. I've reach out to the FTC and I've also made a complaint to the local precinct. The items listed are not mine and need to be deleted from my credit report : XXXX XXXX, US DEPT ED, XXXX XXXX, XXXX. There are also inquiries on my credit report that do not belong to me : XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I, XXXX.
Product: Vehicle loan or lease

Had a refinance over a year ago on vehicle I purchased in XXXX with original lien holder XXXX. Refinanced for lower rate last year with PenFed. They have added atleast XXXX dollars to my loan and all kinds of predatory fees. I have missed no payments. Should ha e been finished with loan in XXXX at latest. They've added 2-3 more years to my term. Loan # XXXX XXXX XXXX XXXX 

This is a predatory, rip off company
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 44 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 -XXXX  XXXX XXXX  acct # XXXX -XXXX XXXX acct XXXX XXXX -XXXX  acct # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX acct XXXX XXXX & acct # XXXX 15 U.S.C 1681 section 602A states I have a right to privacy.

15 U.S.C 1681 section 604A section ( 2 ) also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a soon to be father looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts 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. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent a letter to received validation for an account on my credit report under XXXX XXXX. I never received a response, and I just checked my new credit report and not Equifax, XXXX, or XXXX updated this to in dispute. I know that this is against the law.