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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX Account # : XXXX  date opened XX/XX/XXXX bal. {$9400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2100.00}, XXXX XXXX  XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1500.00} Inquiries : 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 report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX. EQUIFAX Account Name : US DEPT OF THE TREASURY Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. This collection account is reporting not only as OPEN but also shows past due balance of {$2000.00}. 
XXXX. Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly.. This collection account is reporting not only as OPEN but also shows past due balance of {$190.00}. 
XXXX. Account Name : XXXX XXXX XXXX, I Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}. 
XXXX aCCOUNT NAME : XXXX XXXX XXXX account # XXXX. Account is incorrectly open and incorrectly reporting a balance of {$320.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX XXXX  from 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

This account reported on my credit report is a fraudulent account.
Product: Mortgage

Wells Fargo has been in contact with me and my ex husband XXXX XXXX regarding loan modification paperwork for the past XXXX months. They have contacted on a couple of occasions stating that they would send me loan modification paperwork to my current address which I provided them. Most recently regarding the loan modification they contacted me on XX/XX/2021 requesting my drivers license as proof of my current last name so that they could change my name on the loan and send me paperwork to my address regarding the loan modification. I never received paperwork at anytime with regard to loan modification and in fact at the date of the conversation on XX/XX/2021 the loan modification had already been processed. I am still on the loan and they have processed the modification by XXXX XXXX simply crossing my name off the paperwork. I have contacted Wells Fargo about the error and their company misleading me about the process and steps that were taken when speaking with me. I requested that they send me all documents regarding the loan modification that were signed immediately before anything is redacted or changed and that there be a flag on the account so further changes can not be made to put me at a disadvantage or further process the paperwork. Wells Fargo stated that they could not send me the loan modification paperwork and did not state that they would place any flag on the account or take any immediate action on the individuals within Wells Fargo that processed this. At this juncture I need to know what next steps can be taken as they willfully deceived me and still are not sending me paperwork for the account I am listed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to unlock my Experian Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.
Product: Checking or savings account

My father passed away in XXXX. He has a POD account with PNCbank. PNC refuses to admit the account is pod even though it is marked pod on his account statement and will not talk with us without an executor of the estate. With pod you dont need an executor of the estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cash call is showing up on my XXXX credit report. This is not my loan, I have disputed this several times and it is still showing up on my hard credit pulls. It is dragging my score down. I need to get this fradulent pay day loan removed from my credit
Product: Checking or savings account

the risk dept at bank of america closed my acct -- -this had to do with me being massive victim of gang crime gang stalking mud slinging incuding financial fraud identity theft burgaries theft etc..and complete lack of needed legal representation -- -i was customer since late XXXX XXXX XXXX which was late bought by bank of america -- -- after suffering from latest crime when all of my checks were taken i decided to chg account num -- they chgd my acct num -- then within couple of weeks after this happened or after 2 weeks  after XXXX XXXX-2017 apx -- -my crd stpped wrkg -- my online bnkg stopped responding and i learned they closed my acct -- they did give me my money back after i alrdy ordered new checks telling me to resolve my chk order with XXXX -- is there anyway to sue bank of america and wht kind of case wld this be??? -- i opened the new acct by XXXX  as instrctd by XXXX XXXX mgr
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. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX. XXXX, XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by Equifax XXXX : XXXX XXXX XXXX : Equifax Information Services LLC XXXX XXXX XXXX, XXXX, Georgia XXXX Date : XX/XX/XXXX Summary of Complaint : I am writing to file a complaint against Equifax for their failure to accurately report information on my credit report. Specifically, I am disputing an unauthorized hard inquiry that remain on my Equifax credit report despite my previous attempts to have them removed. 

Timeline of Events : * XX/XX/XXXX : Obtained my credit reports from all three major bureaus. 
* XX/XX/XXXX : Sent a dispute letter to Equifax regarding an unauthorized hard inquiry from XXXX ( XXXX ). 
* XX/XX/XXXX : Received a response from Equifax stating that the hard inquiry from XXXX had been deleted. 
* XX/XX/XXXX : Obtained my credit reports again. The unauthorized hard inquiry from XXXX remains on my Equifax credit report. 

I made numerous phone calls to Equifax to follow up on the status of my dispute. These calls were unproductive and disturbing, and the inquiries remain on my report. 

Specific Issues and Alleged Violations : Despite Equifax 's claim that the XXXX inquiry was removed, it still appears on my credit report till date. This inaccurate reporting is negatively impacting my creditworthiness and had caused me and my family significant financial harm. I have been denied business credit funding for my startup business and for my application for a mortgage loan. These experiences have been deeply distressing and I believe Equifax is in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : * 15 USC 1681i ( 5 ) : Failure to conduct a reasonable reinvestigation of disputed items.

* 15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in credit reports.

* 15 USC 1681i ( c ) : Failure to promptly delete inaccurate information.

* 15 USC 1681s-2 : Failure to conduct adequate investigation of the dispute and failure to reporting this to other consumer reporting agencies.

* 15 USC 1681s-2 ( a ) ( 1 ) ( B ) : Duty to investigate disputed accuracy of information.

* 15 USC 1681i ( a ) ( 1 ) ( A ) : Requirements for reinvestigation of disputed information.

Requested Action : I request that the CFPB investigate this matter and compel Equifax to : * Immediately remove the unauthorized hard inquiries from XXXX from my Equifax credit report. 
* Provide me with written confirmation that these inquiries have been deleted. 
* Ensure that their reporting practices comply with the FCRA. 

Supporting Documentation : I have attached the following documents in support of my complaint : * Confirmation that Equifax received the dispute letter on XX/XX/XXXX. 
* Copy of Equifax 's XX/XX/XXXX, response. 
* Copies of sections of my XX/XX/XXXX, and XX/XX/XXXX, and credit reports. 

Thank you for your time and urgent attention to this matter. 

Sincerely, XXXX XXXX ( XXXX : XXXX XXXX : XXXX
Product: Debt collection

I received a phone call from this company claiming that I owe an insurance company XXXX, I advised them that this is fraud and that I didn't have any accounts with this XXXX  XXXX  and have been an XXXX customer for over 15 years, with a local agent. 

I advised the company to no longer contact me or make any marks on my personal credit profile as this was fraud, they didn't not communicate with me to obtain and information about the fraud and still continue to add the incorrect account on my file and tell me that they will not remove it. I will be serving them with legal letter today demanding them to stop all collections on this account.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.However, to my dismay, these disputes have not been duly noted as required by law.Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is follow-up to complaint XXXX and XXXX which were not handled appropriately. Complaint closed based on XXXX response although they still have not provided documentation that that this is a valid charge. The XXXX XXXX XXXX has 22 recent complaints that XXXX has tried to collect invalid charges or old charges have been reported to credit bureaus. Why is this scam company automatically believed instead of the consumer? The XXXX  complaints have all been unanswered and then XXXX  now can not even locate this scam business. ( See screen shots of some of the XXXX  complaints similar to mine ) Why does the credit bureaus believe the vague denials of unethical behavior from the businesses and take their word over the consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally on XX/XX/XXXX, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was 100 % correct. The credit beaureaus stated that the date the account was opened was XX/XX/XXXX. That information is incorrect. This is grounds for immediate removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have never given these accounts written permission to furnish these accounts on my credit report. This is illegal. I also never received a letter requesting proof of my social security number or acceptable documents with instructions on where to send them. Quite some time has passed since I originally submitted this complaint, I am asking that this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WAS A PAYDAY LOAN I TOOK ON XX/XX/2019 BECAUSE OF HIGH INTEREST RATE I COULD NOT PAY ANY LONGER. WHEN THE STARTED IT BECAME DIFFICULT TO EVEN PAY. THE ON XX/XX/XXXX THE I FILLED FOR BANKRUPTCY THIS LOAN WAS INCLUDED. XX/XX/XXXX EQUIFAX NOW REPORT ON MY ACCOUNT AS PENDING ONGOING PENFDING COLLECTION. DESPITE THE FACT THAT ITS ON MY BANKRUCPTCY. THE CREDIT REPORT IS NOW AN ARM OF PAYDAY LOAN COLLECTION ANGENCY TO INTIMIDATE AND SUBDUE CONSMER TO PAY UP BY CROOKED REPORTING IN A SELECTIVE AND CACULATIVE MANNER.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally file a complaint concerning the presence of fraudulent items associated with my account/profile. It has come to my attention that unauthorized and fraudulent items are currently associated with my account, and I am deeply concerned about the potential impact on my financial and personal well-being. 

The fraudulent items in question include [ provide a detailed description of the fraudulent items, such as unauthorized transactions, false information. Enclosed with this letter, you will find supporting documentation to substantiate the validity of my complaint. 

I would like to express my disappointment and concern regarding the following matters : It has come to my attention that unauthorized transactions [ or other specific fraudulent activities ] have occurred on my account. This not only poses a serious threat to my financial security but also raises questions about the integrity of your platform/system. 

The presence of these fraudulent items suggests a potential security breach, and I am deeply troubled by the possibility that my personal information may have been compromised. I request a thorough investigation into how this breach occurred to prevent future incidents and to protect the security of all users. 

Given the sensitive nature of this matter, I expect a swift and effective resolution to remove the fraudulent items from my account. Timely action is crucial in mitigating any further damage and restoring my confidence in your platform. 

I understand that your company takes matters of fraud seriously, and I trust that you will handle this complaint with the urgency and diligence it deserves. I kindly request regular updates on the progress of the investigation and the actions being taken to address this issue. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraud and do n't belong to me. I have disputed with XXXX, Trans Union & XXXX a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
Product: Credit reporting or other personal consumer reports

TransUnion XX/XX/XXXXXXXX  **Current Credit Score XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a LLC which is in my name XXXX XXXX XXXX XXXX, and these XXXX illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only XXXX things that continues to hurt like SEVERELY HURT MY SCORE! Im asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these XXXX illegal items off my **TRANSUNION** credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXX XXXX XXXX  Balance {$13.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$150.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an XXXX  and these illegal items are hurting me. I signed up for XXXX  XXXX  and XXXX, but I have to UNFREEZE MY REPORT so positive information can be added but I need these XXXX illegal items removed. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1968 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

Ive been complaining to Wells Fargo auto for 5 months now about my balance for my car 5 months ago the balance was XXXX its still showing XXXX as of XXXX I went over and Beyond to make double payments to change my debt ratio.
Product: Mortgage

I recently visited XXXX shopping to buy a new home and was told that I had to get a loan through their " preferred lender '', Wells Fargo, to receive the builder incentive of 1 % of the purchase price. I later found out that the builder supposedly has a " marketing arrangement '' with Wells Fargo, which sounds like a form of " kick back ''. I have friends that work for Wells Fargo who explained to me that loan officers on the XXXX XXXX accounts have special treatment not only by the builder but within Wells Fargo and makes much more in commission than other loan officers. They supposed get favorable treatment starting from pricing, to processing, underwriting, appraisal, etc. It does n't seem like an ethical arrangement to me.