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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a credit card transaction with a merchant that had overcharged me for a rental car. I contacted the merchant to resolve the issue but at the same time, asked my bank to also investigate. It turns out that when you do this, your bank lets the credit bureaus know that you have a dispute with a merchant currently being looked at but in the process, don't communicate the balance or the payment history to them of your credit card account at that time. As a result, all 3 credit bureaus dropped my credit score by XXXX points! Surely, this is illegal? Why would a dispute with a merchant result in my credit score dropping at all? In one case, the credit bureau dropped my score by XXXX points! I don't believe this is fair. I've worked hard to get my score up and due to what is clearly a flawed process, I have been penalized through no fault of mine. The merchant agreed that they were wrong and the matter has been resolved. However, my credit score has been severely damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening. I am not happy with Equifax. I have disputed numerous of items to include inquires and I am having difficulties getting answers from Equifax. It has been more than 30 days and I have not heard anything. There website is not wotking and has not been working for quite some time. I spoke with someone whom stated that there system is down and has been for quite some time because the system is updating. It is a hassle to deal with them while there system is down. I have not been notified of any statuses on any of my disputes. I want all items disputed to be deleted. You can not trust Equifax 's records are accurate with all mishaps and breach issues. I have attempted to check status of my own disputes and keep getting an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) by a creditor. Before the charge off of my debt, it was agreed upon that the debt would be paid in full, and that my credit report would not be impacted negatively. However, the creditor did not honor this agreement, and their violation of FCRA has negatively impacted my ability to obtain credit. 

According to the FCRA, creditors have a responsibility to report accurate information to the credit bureaus. In this case, the creditor broke our agreement, thereby violating the FCRA, which has caused damage to my credit score and limited my ability to obtain credit. 

I request an investigation into this matter, and I ask that the Creditor be held accountable for their violation of the FCRA. Additionally, I urge that you take necessary measures to ensure that the creditor corrects the inaccurate reporting on my credit report, and provides compensation for the damages they have inflicted upon me. 

I appreciate your attention and assistance in this matter, and I look forward to hearing from you regarding a resolution. 

XXXX Credit Bureau Name Statecu ( State Employees Credit Union ) Account number XXXX Amount : Paid Charge-off Disputed 5 times Sincerely,
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on XX/XX/2024 from Equifax Mortgage Services
Product: Debt collection

On XXXX XXXX I received a notice from XXXX XXXX XXXX stating that Walmart/Synchrony XXXX had turned my account over to them. I called them on XXXX and discussed payments arrangements to begin paying back the debt owed. They set up me up on a 6 month payment plan where the payments were pre-authorized. 
I then received a notice dated XXXX/XXXX/XXXX from a different collection agency for the same account. XXXX XXXX XXXX XXXX stating that the amount due is now {$220.00} with an overall balance higher than the XXXX notice stated. I look at my account online and found that Synchrony Bank had been charging me a {$38.00} late fee each month of the payment plan I entered into with XXXX XXXX XXXX. When I called Walmart/Synchrony they stated that the payment amount I set up with XXXX XXXX XXXX was less than the minimum due and that 's why I was being charged a late fee each month. 
It does n't seem legal to me to turn my account over to a collection agency and still charge me a late fee each month. How is someone every supposed to pay off this debt especially when they 're trying to work with the company that the account has been assigned to. At no point did XXXX XXXX XXXX explain to me that the payment amount would n't be satisfactory or that I would still be charged a late fee each month. 
Not one person in Customer Service ( even a " manager '' )  seemed to understand that this does n't make sense. I informed them that I would be filing a complaint. 
In the meantime my account is still reported late each month which is further ruining my credit I 'm trying to repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are governed by 15 USC 1681. After providing my vital information XXXX, XXXX, and Experian disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. 

According to the FCRA AKA 15 USC 1681 i never authorized any credit reporting agency to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. 

I have not received any response from XXXX, XXXX, and Experian by mail or email. XXXX XXXX, and Experian has failed to verify its method of verification as required by the FCRA. 

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record XXXX or its agents never had my consent/permission to furnish such account ( s ). 


Regarding this matter if XXXX, XXXX, and Experian choose to continue to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to XXXX, XXXX, and Experian inaccurate/false reporting. Please attach if any an authentic signed contract whereas I gave XXXX, XXXX, and Experian permission to report this account ( s ) mentioned herein as it will be used for my own and a judge 's inspection if this matter escalates XXXX XXXX to contest these matters. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]
Product: Credit reporting or other personal consumer reports

Company has inquiry on credit report that I do not do business with. I recognize that there has been a recent data breach. 
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
Product: Mortgage

To The XXXX XXXX XXXX. This content below outlines a complaint in which Ally banks utilization of the HARP2 program resulted in a devalued property, the loss of any equity and making the owner continue paying private mortgage insurance for the majority of the loan duration. 

Background : In XX/XX/XXXX I refinanced my mortgage under the HARP 2 program to shorten the length of the loan lower the interest rate and utilize the streamlined process where less supporting documentation was required Ally bank was the loan service provider during the refinance during the refinance process Owners of the mortgage : o XXXX XXXX/Ally bank : XX/XX/XXXX-XX/XX/XXXX ( loan No : XXXX ). 
Issues : 1 ) During the refinance using the HARP2 program, Ally bank undertook a property evaluation ( an IPV ) without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX XXXX [ current provider of the mortgage ] ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value ratio of 152 % and thus would be forced to pay PMI for the majority of the loan. Before the refinance my loan to value ratio was 88 % 3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the Ally bank appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an IPV ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at {$400.00}, XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between $ 420,000- {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have advised the credit bureaus of this on multiple occasions. My personal information was exposed in multiple data breaches. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

-Copy of my driver 's license as verification of Identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} ; XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX Inquired on XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has refused to run accurate disputes for the past year, no disputes are ever run unless a CFPB complain is submitted. On XX/XX/XXXX ( see attached documentation ) I sent a 25 page packet will all my personal information certified mail to transunion which included all the prior accounts remove due to fraud as well as all the required identity information they requested. Transunion ignore the documentation as they have prior and I had to call in to resolve the issue. When I called they said they had no dispute open. I told them to open disputes for XXXX, XXXX, XXXX XXXX, XXXX XXXX  and XXXX  XXXX as these accounts have already been removed from my XXXX do to fraud, they said they would open disputes. When I check back a week later they said again no disputes were open. I again called and told them to open dispute and submitted the removal files from XXXX and after yelling at me over the phone they said they would but when I logged in to check again no disputes were open.this was Violation 1 15 U.S. Code 1681i - Procedure in case of disputed accuracy as not only has the dispute gone far longer than 30 days they have failed to investigate the information presented. They did not even open the 25 page document sent and received Violation 2 was Violation of 15 U.S. Code 1692c - Communication in connection with debt collection. They have continued to update accounts instead of removal even when provided with dispute evidence. They have not ran a single dispute to FCRA accuracy AND have violated my consumer right on numerous occasions. I do not want the same person I spoke with or person who tossed my documents to be handling this dispute I need a manager to resolve said issues
Product: Checking or savings account

Bank of America opened a fake account without my consent on XX/XX/. I have to make many calls and trips to branch office to get it closed. At first I thought it was because of identity theft and I have to close down all accounts with BOA and freeze my credit with the bureaus. It was until recently that I learned from the news that BOA was sued for opening fake accounts and trying to charge fees. I am the victim of BOA 's sneaky act and please urge BOA to compensate me for the damage. 
Thanks, XXXX XXXX
Product: Checking or savings account

I was not able to login to my account or use my ATM card. I called citibank on XX/XX/XXXX, they stated there would be a letter explaining the reason for the closure of my account. That my account would close in 60 days, and any funds that were in my account would be mailed to me. I received a check for the amount that was in my checking account, but still have not received a check for the amount of {$980.00} ( I believe ) that is in my savings account. Called several times, and customer service representatives keeping saying it's has something to do with security, so my account is still open, it's been almost 90 days and I still have not received a check for the amount that is in my savings account. It's XX/XX/XXXX and still no check from my savings account and no letter explaining the reason for closing my account.
Product: Debt collection

A man calling himself XXXX XXXX left me a voice mail stating that I am scheduled to appear at the XXXX XXXX court house. Minutes later he call my father in law at their home. He asked for my father in law by name and told him he was with the XXXX XXXX court house and was attempting to contact me in regards to charges that had been filed against me with that court. 

I was sitting with my father in law at the time ... I grabbed the phone and offered to call XXXX County court house myself to check on these so called pending charges. He then corrected himself and said he was a processor. He never once told me it was an attempt to collect a debt ... He did state that he was trying to get money for Multi Source Loans and looking to work out a deal to settle on the account. I then asked him why he stated he was from the court house when he clearly was not and was calling from an out of state number .... He then told me he was simply trying to get me to pay my bills then hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid ( settled ) in full on XX/XX/26! Company is showing reduced balance but not that the account has been paid and settled
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern I'm writing to get some inquiries investigated received my chexsystem report consumer id XXXX below is a list of inquiries I did not consent to 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 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  please investigate and let me know how you guys did it this is unbelievable
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.