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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Employers : XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX Employers : XXXX XXXX Collection/Charged Off XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : ALASKA  XXXX ) XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$410.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX AFFIRM XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX OREGON XXXX XXXX XXXX XXXX XXXXWASHINGTON XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX IDAHO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a Bankruptcy reported inaccurately on my Transunion and XXXX account. Both XXXX and Transunion claimed that the information was verified with XXXX XXXX. However, I've suppressed my XXXX XXXX ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( XXXX, Transunion ) managed to still get information from XXXX XXXX. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my XXXX and Transunion account be removed.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Failure to Remove Identity Theft Information from Credit Report Consumer is writing to file a formal complaint against the credit reporting agencies Transunion, XXXX XXXX XXXX for failing to remove fraudulent information from consumers credit report, despite consumers repeated requests and compliance with all necessary procedures. 

On XX/XX/XXXX consumer discovered that they were a victim of identity theft. The fraudulent activities have severely impacted consumers credit report, and consumer has been diligently working to have these items removed. To this end, consumer filed an identity theft report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX, and provided copies of this report, along with other supporting documentation, to the credit reporting agencies. 

Pursuant to 15 U.S.C. 1681c-2 ( the Fair Credit Reporting Act ), the CRAs are required to block the reporting of fraudulent information resulting from identity theft within four business days of receiving proof of the identity theft, a copy of the identity theft report, and an identification of the fraudulent items to be blocked. Despite meeting these requirements and making multiple requests, the credit reporting agencies have failed to comply with this legal obligation. 

The failure to remove this fraudulent information is not a matter of negligence or oversight but constitutes willful non-compliance with the FCRA. This deliberate disregard for federal law has caused significant and ongoing harm to consumers credit standing, financial well-being, and peace of mind. 

Under 15 U.S.C. 1681n, consumer is entitled to seek damages for this willful violation, including actual damages, statutory damages, punitive damages, and reasonable attorneys fees and costs.

Consumer has contacted the credit reporting agencies Transunion, XXXX and XXXX and provided all required information, yet the fraudulent items remain on consumers credit file. This failure to act is causing continued harm to consumers credit score and financial well-being.

Consumer is requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit reporting agencies immediately comply with the law, remove all fraudulent information from consumers credit report and credit file, and prevent further damage to consumers credit standing.

Requested Resolution : 1. Immediate removal of all fraudulent information from consumer credit report, in accordance with 15 U.S.C. 1681c-2.

2. Confirmation in writing that the fraudulent information has been removed.

3. An investigation into the credit reporting agencies non-compliance with federal law.

Remedy for non compliance of {$5000.00} pee 15 usc 1681n! Through electronic funds transfer. 
Account # XXXX Routing # XXXX Thank you for your prompt attention to this matter. 

Personal Information : Full Name : [ XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX Phone Number : [ XXXX ] Email : [ XXXX ] Credit Reporting Agencies Involved : [ Transunion, XXXX, XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I started asking for reinvestigation on accounts in XX/XX/XXXX. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity Theft Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they couldn't verify my identity and asked for the same identification that was sent and the next day I received a letter and email telling me that they verified the accounts. So you verified the accounts after you stated you couldn't verify me, The Consumer, natural breathing person, and Original Creditor? That alone makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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


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

In accordance with the Fair Credit Reporting act 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 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 card or prepaid card

In XX/XX/2022 I have received an offer from WF XXXX for {$25.00} off new XXXX XXXX membership ( exp XX/XX/2022 ). I purchased one for {$45.00} on XX/XX/2022 however the {$25.00} was not credited. When I contacted WF I was told that the offer ( attached ) either doesn't exist or I didn't activate it. The supervisor actually told me that if the offer existed it didn't need to be activated however she said she can not address this issue ( even if I would send her a screenshot of what sent to me ) and has to refer the matter for " research. '' I was also informed that to have the issue addressed I would have to go through four different escalation levels. This requires not only an incredible time consuming and administrative burden process that I believe has been designed on purpose not to pay out. 
XXXX I think it is shameful that the CSRs dealing with this issue are unable/address this issue even at the point of proving the offer as we speak on the phone.
Product: Checking or savings account

AdvantageFirst Lending has regularly committed mortgage fraud in order to place people into refinanced mortgages they cant pay for and will bankrupt them long term ( by falsifying income or other information and forging borrowers signatures on documents )
Product: Debt collection

Enhanced Recovery Company has place negative information on my credit reports claiming that I owe them {$780.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. 

This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if Enhanced Recovery does not comply with my validation letter this item must remain removed from my account.
Product: Mortgage

Dear Sirs, Please help me! I 'm XXXX-year old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys. I tried working with Chase and when I wanted to send payments to them, they would not accept them and would n't talk to me or my son. I could n't find an attorney who would go up against JP Morgan Chase so I went by myself to the Court in XXXX County, XXXX, and did the best I knew how to fight against the attorney there representing JP Morgan Chase. Of course I lost. There 's a silent relationship between Judges and attorneys. I have been fighting for 2 and a half years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it. Please come to XXXX XXXX, VA which is only an hour and 15 minutes from XXXX and see why I 'm so devastated about having to leave my home of 37 years and have to move in with a stranger somewhere. It 's just a 130-year old house needing lots of repairs sitting on the XXXX XXXX. It 's incredible sunrises and breath-taking moons hanging over the river. It 's awesome! Nobody wants to hear about the emotions and memories connected to our homes. Come stay for a couple of days in my home and you will see why I 'm so passionate about not wanting to leave. It 's XXXX running investment companies in XXXX XXXX who now own my home. Why did the government give XXXX dollars to the mortgage-banking businesses, like JP Morgan Chase, XXXX XXXX XXXX, XXXX, etc. to help individuals like myself out of the XX/XX/XXXX crash, only to give top executives XXXX dollars as bonuses? We the middle class have no rights or they try to tell us we do n't. Why has this huge fraudulent crime been allowed by our President and government? Our foreclosed homes are being dumped into thousands of hedge funds only to be sold over and over and allowing lenders to write-off XXXX dollars again and again as a new investment firm buys the whole package of thousands of homes as quickly as every other month. All I wanted to do was run my little business of renting out my home, in the XXXX and XXXX, to busy, stressed out guests who will discover the peace and tranquility of this little town of XXXX XXXX, XXXX. At XXXX, I had a business and place to live until I die. Will you help me go up against JP Morgan Chase? The court says I have to get out by XXXX XXXX, XXXX. At this point, I just want to rent my home. Please help me do that. Thank you so much for listening to my complaint. XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX
Product: Checking or savings account

I have an established link between Chase checking account ( XXXX ) and XXXXXXXX XXXX account ( XXXX ) and have done 3 online transfer from XXXX to XXXX on XX/XX/2023 {$190.00}, XX/XX/XXXX  {$440.00} and XX/XX/XXXX  {$100.00} successfully. An transfer of {$2500.00} was also processed from Chase XXXX to XXXX. But on XX/XX/, the same transfer from XXXX to XXXX for {$420.00} was rejected without any reason given ( see attached ). When I stopped the branch in XXXX XXXX, AZ, XXXX had no response. When I asked for more info online. I was given this : " Your funds transfer could not be completed because it needed your verification. '' I WAS NEVER ASKED FOR ANY VERIFICATION. IT WAS THE SAME PROCESS AS THE OTHER 3 TIMES! 

Not only that, I discovered on XXXXXXXX  that Chase DELETED the very account i question-XXXX. I have to RE-ESTABLISHED the ACH link again ( see attached ). 

this is wrong advertising. Chase CAN NOT DO external transfer and WILL NOT provide a valid answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$65000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.
Product: Credit reporting

they promised to take off my credit report after i had paid the bill ad ever done so written several letters and even called
Product: Credit reporting or other personal consumer reports

In the past I opened a case to see evidence of the suspected fraud activity reported to XXXX and XXXX XXXX by Bank of America XXXX to myself. This evidence was never provided by Bank of America and I was told that if I cant provide a police report of the identity theft then Bank of America refuses to stop reporting this information. I never reported this case of identity theft to the police because I was young and immature and didnt understand the magnitude of its severity which I hoped Bank of America can understand. The day of the alleged fraud activity I immediately called Bank of America and confirmed I had no involvement but my bank account was still closed and negative information was reported.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized and improperly reported credit inquiries that have appeared on my credit report. I recently identified several inquiries that I have no knowledge of and for which no documented proof of a valid permissible purpose has been provided. Additionally, these inquiries appear to lack certified compliance with reporting standards, including the required XXXX XXXX format. 

As a consumer, I have the right to demand that only verifiable, documented, and fully compliant credit reporting be maintained on my report. Therefore, I am formally challenging any deficiencies in reporting or lack of proof of compliance. Any claim that does not meet the mandatory verification, validity, or compliance standards must be removed immediately.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person but wasnt advised to make sure it was the correct person before sending it and wasnt able to get my funds back. I also received a payment from someone that I never got, it said it was pending and after a few days it was like it was cancelled but the person who sent it said it was taking from their account.
Product: Debt collection

Consumer Financial Protection Agency E-mail XX/XX/XXXX Dear Sir, Madam, I have fallen behind in my credit and payments. USAA refuses to cooperate. Most of the firms with whom I owe, have awarded me hardship status and accept half-payments until I can sell my residence, my last asset. It is listed with a realtor and on the Internet under my street address. 
I will be XXXX next month. My wife is XXXX. We have reached our medical limit for working. I am lame  from XXXX XXXX in XX/XX/XXXX when I contracted XXXX. My XXXX  started XXXX  in the XX/XX/XXXX with XXXX XXXX. I had the first of 12 intrusive XXXX XXXX in XX/XX/XXXX. In that year, I started menial jobs at XXXX and security guard cites. In XX/XX/XXXX, I left the XXXX XXXX as they require staying outdoors for 12 hour shifts. In XXXX, that's often at 114 degrees. I self-educated to obtain an insurance license in XX/XX/2017. 
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. I could no longer work from my computer and retired from selling insurance. 
My total income is from our joint Social Security. I have gained hardship status from my other lenders, primarily XXXX and XXXX. USAA verbally agreed to accept {$30.00} a month. Nevertheless, they treat my payment as a partial payment and charge me a {$30.00} late fee. 
I respectfully ask that you review the matter and assist me in gaining a hardship status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that certain inquiries be blocked and deleted from my credit report under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These inquiries are the result of unauthorized activity and should not appear on my credit report. 
The following inquiry should be blocked and deleted : Inquiries : XXXX. XXXX XXXX XXXXXXXX XXXX Date : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Capital One since XXXX 2017 about 3 hard Inquiries that are on all 3 credit bureaus XXXX XXXX & XXXX XXXX, which are damaging my credit. I do not recognize these inquiries, and have place a fraud alert on my report. I have spoken with dozen Representatives from Capital One with no resolution ... ..last 4 of my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/2019, I realized that my credit report was showing for the month of XX/XX/XXXX on the Westlake fiancial service account as a 60 days delinquent account when the account is already closed and paid by the dealer by request of the compliance dealership department. The person who worked this case was XXXX. I asked her if I had to make any payment in order to not damage my credit. She told me that it was not going to damage my credit. Westlake notified incorrectly the month of XX/XX/XXXX damaging my credit with a serious delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX  because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  OF WHICH I HAVE NO KNOWLEDGE IS ALLOWED TO REPORT LATE PAYMENTS ON A CHARGED OFF ACCOUNT, HOW CAN YOU REPORT LATE PAYMENTS ON A CHARGED OFF ACCOUNT? EXPERIAN IS ALLOWING THEM TO DAMAGE MY CREDIT MONTH BY MONTH. IT IS ILLEGAL TO REPORT A CLOSED/CHARGED OFF ACCOUNT FOR LATE PAYMENTS WHEN IT HAS ALREADY BEEN REPORTED TO THE IRS AS A CHARGEOFF. REMOVE THIS IMMEDIATELY. 

IT IS NOT REPORTING EVENLY ACROSS THE OTHER BUREAUS. THEY KNOW THAT IT IS ILLEGAL SO WHY IS EXPERIAN ALLOWING IT? PLEASE REMOVE ALL XXXX XXXX ACCOUNTS I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2
Product: Credit reporting, credit repair services, or other personal consumer reports

in the section of closed credit accounts they have incorrect information on my former XXXX account Experian keeps reporting charge-off as of XX/XX/XXXX which was actually charged off in XXXX of XXXX and also due to the law of an act of a written contract in new york it's over 6 years so contract is nulled voided and expired, so therefore by consumer and USA laws Experian has to remove it off my credit report asap. once again they didn't provide any evidence and ignored me as I previously disputed this account. Please prosecute them to the fullest extent of the law which they continue to illegally break ruin citizens and residents lives.