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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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Product: Credit reporting or other personal consumer reports

ChexSystems is reporting incorrect and/or inaccurate information about me and my banking information. The The Fair Credit Reporting Act ( FCRA ) law for inaccurate reporting states that Inaccurate, incomplete, or unverifiable information must be removed or corrected. Also, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ChexSystems is required to report 100 % accurate and correct information of each consumer. My personal information is being reported inaccurately. My banking information and history are being reported by ChexSystems inaccurately. I would like my personal information, my banking information and my banking history reported 100 % accurately. Any information that is not accurate, complete and 100 % correct must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX  XXXX Account Number : XXXX 2. Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$26000.00} 3. Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4800.00} This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit card or prepaid card

I have been unable to access any accounts linked with Comenity Bank for five days, and therefore, am unable to view my statements and make payments as necessary. There has been no solid information from the company on their social media platforms regarding the continued outages and it seems as if there is more going on than scheduled maintenance, but the company refuses to admit as such. Even Comenity 's XXXX is unavailable. 

I have also tried calling their offices to schedule payment, but their phone lines are not operating, and therefore, I am completely unable to contact someone. This could very well lead to late payment charges, an increase in interest, incorrect reporting on my credit report, etc. 

This is unacceptable and is more than a simple inconvenience ; an inconvenience would be the website being down for an hour or two longer than expected, not for five plus days. The blatant disregard for customers and access to their accounts is disheartening from Comenity, especially when they refuse to give straightforward answers to anyone.
Product: Debt collection

XX/XX/24 a supposed debt was recorded against my credit file, I contacted Carter Business service and was responded to by a representative named XXXX. 

I asked for confirmation of the debt and that I would be disputing the debt as it is not mine, he has not responded to claims and I have received no form of communication from this company about a debt I supposedly owe
Product: Debt collection

This collection Agency is reporting to ( XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the FDCPA section 807 violation Misleading false reporting. This account is inaccurate and I am seeking litigation, please delete at once. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
Product: Money transfer, virtual currency, or money service

XX/XX/21 I received a cash app visa prepaid debit card in the mail. It was from Square inc. CashApp XXXX XXXX . I never has a Square or CashApp app account. I have been trying to get this card and Square account cancelled. I believe it is a identity theft problem and I would like them to cancel that account in my name.

Visa would not cancel the card. Cash App asked for info to send them to cancel the card which I sent them. Square said they really couldn't help me.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX # XXXX In accordance with the Fair Credit Reporting Act, public law XXXX, XXXX VI, Section 611 please provide the name and business addresses of each individual with whom you've verified above so that I XXXX follow up. Please send an updated copy of my credit report after your re-investigation Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized hard inquiries appearing on my credit report : 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 XXXXXX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), Section 604, hard inquiries can only be listed on a consumers credit report when authorized by the consumer or initiated as part of a permissible credit transaction. I have no recollection of authorizing these entities to perform hard inquiries into my credit file.

Under the FCRA, unauthorized inquiries constitute a violation of my consumer rights. As such, I am requesting immediate removal of these inquiries from my credit report.
Product: Checking or savings account

XXXX XXXX Bank of America took over {$1100.00} out of my account with no notice in any way by allowing someone named XXXX XXXX to make fraudulent XXXX claims that he didn't make transfers to my account in XXXX XXXX. This almost caused me to get evicted. Bank of America also made it extremely difficult ( over 10 hours on phone in 1 week ) telling me non stop that I will not get my money back, finally someone allowed me to send in text message proof. This person ( XXXX XXXX ) made claims of over $ XXXX between myself and 2 other people due to him losing his job and essentially making tons of false claims to try to get as much money as possible. I luckily had text message proof that I provided to get my funds back. Once I received my funds, weeks later in XX/XX/XXXX my account was frozen for 5 days around XX/XX/XXXX leaving me stranded with NO MONEY also causing tons of NSF/Returns from outside merchants. One in particular was my XXXXXXXX XXXX XXXX XXXX. It was closed due to returned payments bc of Bank of America 's negligence. I have requested time and time again proof that XXXX requested from Bank of America and they still ignore my requests and refuse to assist.
Product: Credit reporting

transunion says my personal finance debt is - $ XXXX when in fact it is just - $ XXXX. Info provided XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a house and i noticed a car loan from XXXX  on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.
Product: Debt collection

I am aware that I was violate too many times. As a natural person who is federally protected. I am notifying you that your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such : 15 USC 1692 C ILLEGAL TO COMMUNICATE, 15 USC 1692 Abusive practices of debt collections they can not invade my privacy and only I deem what is private to me and 15 USC 1692 G validation of debts you do not have permission to say I owe anything.
Product: Credit reporting or other personal consumer reports

This is not the first time we have reached out about these accounts. 

I Noticed 2 errors, one was an account for XXXX, and the other was an Account for XXXX XXXXXXXX on my credit report, and I knew they were not mine, so I called the FTC and filed an Identity Theft Complaint, and received a report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1. Account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute an unauthorized trade line that has appeared on my credit reports from XXXX, XXXX, and TransUnion for an account with XXXX XXXX XXXX. I am a victim of identity theft, and this account listing is a result of fraudulent activity to which I am in no way a party. 

I have never opened or authorized any account or loan with XXXX XXXX XXXX. I have not signed any contracts or provided any personal information to this company whatsoever. This inaccurate account on my credit reports is clear evidence that my identity has been stolen and misused criminally. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from alleged identity theft - 15 U.S.C. 1681e ( b ) mandates credit bureaus maintain reasonable procedures to ensure maximum accuracy of credit report information - 15 U.S.C. 1681i requires credit bureaus to conduct reasonable investigations of disputed information As an identity theft victim, I have a legal right to have any inaccurate, fraudulent information absolutely removed from my credit reports so that I can begin recovering my credit standing and good name. 

I demand that the CFPB immediately investigate this unauthorized XXXX XXXX XXXX account, determine that it is illegitimate and bogus due to identity theft, and take all actions required to permanently block and suppress it from my credit reports across all bureaus within the statutorily mandated timeframes. 

Please provide me the results of your investigation along with supporting documentation within 5 business days as stipulated for identity theft disputes under the FCRA. Any failure to comply will be viewed as a willful violation of federal law, and I will have no alternative but to pursue legal remedies and statutory damages. 

Attached please find copies showing the identity theft affidavit. Thank you for your prompt assistance in resolving this serious matter.
Product: Credit card or prepaid card

I made two purchases at XXXX XXXX XXXX using Tidewater Finance, under the agreement that if I paid off the loan within 12 months of receipt of the furniture, and there would be no interest. The first purchase was made on XX/XX/XXXX. I then made a second purchase at XXXX XXXX on XX/XX/XXXX and I again used Tidewater Finance. This purchase was not received for another 6-8 weeks, so I do not believe that I was charged until I actually received the furniture. It was my understanding again that if the loan for the second purchase was paid off within 12 months, there would be no interest. The last payment for the first purchase was received by Tidewater on XX/XX/XXXX. However, when I received my invoice I noticed that there was a significant increase in the balance. I called Tidewater and was told that because I had made a second purchase with Tidewater, both purchases would need to be paid off by XX/XX/XXXX in order for me to receive the no-interest offer. I explained that was not my understanding of the offer and that I was not told that at the time of the purchase. She then referred me to the bottom of the 3rd page of my payment statement, where both purchases were listed as two invoices. Thus, I was responsible for the complete payment. I spoke to a supervisor who was extremely rude of no help. She did, however, email me a copy of the invoices. In XX/XX/XXXX, I received an invoice that listed the final balance as {$100.00}. I sent this payment, thinking this was my final payment. In XX/XX/XXXX, I started to receive emails stating that my account was behind. I call to find out what is going on, and now there is supposedly another {$100.00} in fees. I spoke a representative and explained that I dispute these fees. She was nice and understanding and transferred me to a supervisor who again was rude. The supervisor agreed that I technically did pay off the 1st loan by the due date, but I was still responsible for the interest fees incurred. This was not why I called, I was calling about the current fees. When we could not come to a conclusion I explained that I would be filing a complaint. She said well I have to end this call. The supervisor, Tidewater is participating in predatory lending practices.
Product: Mortgage

I purchased a home using my VA Loan in XX/XX/XXXX. In XX/XX/XXXX I received a letter from the XXXX of XXXX informing me new construction home had incomplete permits & construction. Apparently the XXXX XXXX XXXX got into a disagreement & the three homes on this lot were allowed to be purchased & occupied without disclosing to the buyers these homes were completed per plan & code. 
The city sent a letter to myself and another veteran family that we were now responsible for getting the project completed and up to code. I'm requesting your assistance in resolving this matter with the XXXX & XXXX XXXX so I may live in peace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having no intended business with Equifax I find myself having to paid to freeze my credit. This is the result of their data breach which has nothing to do with me. This data breach occurred on XXXX XXXX XXXX all most a month and a half. Giving the executives plenty of time to sell their stock. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. 

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( XX/XX/XXXX )  repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.
I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Lost job, unable to pay, had wreck that was was not my fault, car moved to company, outstanding balance to repair, i didnt have any money, amount on credit report XXXX credit acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have paid all my loans on time, for over 10 years, and my credit has be outstanding above 800, but they seem to lower my credit rating by an unreasonable amount when it takes so much time an effort to raise my score! how can they drop it down over 50 points in one click of their mouse? this is up surd, so is this a way to keep a poor man down while the rich bankers laugh all the way to the bank. I work hard for my credit ratings always have, but this kind of of democracy is and should be unjust!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}