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

I filed a police report with the XXXX Department XXXX XXXX XXXX. I sent the police report to the three credit agencies. 

XXXX and XXXX received the police report and blocked this information : 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX  XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX # XXXX 7 ) XXXX XXXX # XXXX 8 ) XXXX XXXX # XXXX 9 ) XXXX # XXXX 10 ) XXXX XXXX # XXXX They sent notice to EQUIFAX AND XXXX stating : Blocked fraudulent infromation and provided the accounts. 

After speaking with Equifax they stated on the phone : " We received notice that XXXX XXXXnd XXXX received a VALID police report and blocked the above mentioned accounts ; however, at this time we take notice to rescind the block '' I asked why? They stated they have no reason ; they do n't block fraudulent accounts. 

SO! They verbally told me that they ignore the FCRA 605B LAW which states when they receive a valid police report from the police, credit bureau or consumer, they are required by law to PROTECT me, the consumer, and block and remove the information immediately. 

Equifax is ignoring this law. They are ignoring a law enforcement report. They are also ignoring their fellow credit bureaus which they share certain information this. 

This is not LEGAL. This practice needs to stop.
Product: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within XXXX  days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the collection account XXXX and account number XXXX which they show as being openedXX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is reporting wrong and incorrect information. Unfortunately, and too much dismay, I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account is from XXXX XXXX with the account number XXXX is reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment TransUnion is BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account immediately. 1. XXXX XXXX with the account number XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family
Product: Credit reporting or other personal consumer reports

IN LIGHT OF RECENT INVESTIGATIONS BROUGHT UPON EQUIFAX, I FIND THAT MY CONSUMER FILE IS BEING IRRESPONSIBLY TAMPERED WITH.OVER THE PAST MONTH I HAVE MADE SERVERAL ATTEMPTS TO REMIND YOU OF THE DUTY PURSUANT 15 USC 1681 .IT APPEARS YOU'RE INTENTIONALLY AND WILLFULLY BEING NEGLECTFUL IN REMEDYING MY AFFAIRS .15 USC1681 E ( B ) ASSURES THAT IAM DUE, PROMISED ACCURACY IN MY REPORT BASED ON FEDERAL LAW. IAM MAKING THIS VAILD REQUEST ATTEMPTING TO HAVE THESE ERRORS CORRECTED ON MY CONSUMER REPORT .15 USC 1681i ( A.5 ) SAYS THAT AFTER THE REVESTIGATION ALL UNVERFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THIS ACCOUNT WAS PREVIOUSLY DISPUTED WITHOUT BEING THROUGHLY INVESTGATED THUS I KNOW CAN NOT BE VERFIED OR VALIDATED
Product: Checking or savings account

I wanted to open a savings account with XXXX XXXX they only have an app for interface, no branch or web access. I downloaded the app, filled out the info then they said I was denied because they couldn't verify me. I've lived in the same house for over XXXX, which I own. I dont see how they couldn't verify me. I checked my credit report, no suspicious activity, I have a good score, over XXXX. I contacted them to ask why, they refused to answer, just provided the same copy/paste answer the app gave me. feels like discrimination, otherwise why would they try to hide the reasons? if there are discrepancies with my personal information they are verifying I have a right to know so I can have it corrected. I'm not a criminal and that exactly how I feel I'm being treated, its not right. don't they have to provide an " adverse action '' report for me?
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my Trans Union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

My personal credit card account is not being reported to my credit reports.
Product: Credit reporting or other personal consumer reports

Todays date is XX/XX/2023 My current and legal first name is and only is XXXX My current and legal last name is and only is XXXX My current and complete residential and mailing street number is XXXX My current complete residential mailing street name is XXXX XXXX XXXX XXXX 
My current complete residential mailing city is and only is XXXX My current complete residential mailing state is XXXX. 

Please remove or Cease retaining of any and all others that you might have reporting or on record or else present document statement certifying my rights to retain or report over consumer removal of authorization. 
To whom it might concern, I am requesting to remove the INQUIRYS AND CLOSE ACCOUNTS from my personal credit report. 
In genuine sincerity I close, my first and last name is and only is XXXX XXXX. My street number and street name is and only is XXXX XXXX XXXX XXXX my city and state is and only is XXXX, Alabama
Product: Checking or savings account

I just recently I started looking at my statements and I noticed that I was being scammed by somebody and had I done the theft and fraud done to me. I had my XXXX emptied out. Also some forged checks put into my bank account. My W-2 form was taken along with my social security card and my license was sent to me by some scammer. Also, inappropriate pictures came up online of me and threatened me that they would send them to different sites in my family. Two cell phones were also opened up that I'm trying to work with XXXX XXXX XXXX about.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else.
Product: Payday loan, title loan, personal loan, or advance loan

Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Subject : Complaint Against Klarna for Failing to Verify Identity Before Opening a Fraudulent Account Complaint Summary : I am filing this complaint against Klarna for their failure to properly verify identity before opening a fraudulent account in my name. As a result, my personal information was used without my authorization, causing harm to my financial standing and credit report. 

Details of the Complaint : 1. Fraudulent Account : Klarna opened an account using my personal information without my knowledge or consent. 
My legal name is XXXX XXXX, and I have no association with the account in question.

2. Failure to Verify Identity : Klarna failed to conduct adequate identity verification measures to ensure that the individual opening the account was authorized to do so.

Proper verification would have prevented this fraudulent activity and the harm caused.

3. Impact on My Credit : This fraudulent account has been reported to credit bureaus, negatively affecting my credit score and financial reputation.

Klarnas failure to verify identity has caused significant distress and financial harm.

4. Violation of Legal Obligations : Klarnas actions violate the Fair Credit Reporting Act ( FCRA ), which requires creditors to ensure accurate reporting and to take appropriate steps to prevent fraud.

Fair Resolution : To resolve this matter, I request the following actions : 1. Immediate Investigation and Account Closure : Investigate and immediately close the fraudulent account tied to my personal information.

2. Provide Documentation of the Account : Supply documentation showing how and when the account was opened, including details of th
e identification or information used during the application process.

3. Notify Credit Bureaus : Contact all major credit bureaus ( XXXX, XXXX, and XXXX ) to ensure the fraudulent account is removed from my credit report.

4. Confirm Resolution in Writing : Provide written confirmation that the fraudulent account has been removed and that I am not liable for any associated debts or obligations.

5. Strengthen Fraud Prevention Processes : Implement stricter identity verification protocols to prevent similar occurrences in the future.

6. Restitution for Damages : If applicable, provide compensation for any financial or reputational damage caused by this fraudulent account. 

Supporting Documents : To support my claim, I am prepared to provide the following : FTC Identity Theft Report XXXX Complaint Report Copy of my government-issued ID confirming my legal name is XXXX XXXX Conclusion : Klarnas failure to verify identity before opening this account has caused undue stress and financial harm. I trust the CFPB will ensure Klarna fulfills its legal obligations under the FCRA and resolves this matter promptly. 

Please contact me at XXXX or XXXX if additional information is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received documents yesterday in the mail, after having been contacted by phone earlier in the week by Avantee. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone. 
One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an ongoing battle with XXXX and Experian I have disputed information, submitted ID Theft Affvaidts and police reports ; they fail to delete items however the remarks say : '' re-investigation in process '' The accounts that are not mine in it related to Identity Theft are : XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX XXXX ( I do not have any children ), XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted transuion about 3 times in regards to inquires placed on my credit file. I have an active fraud alert on my credit file and i 'm still getting unauthorized inquires placed on my credit reports. I was never called and asked to verify my information XXXX XXXX Inquiry from XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian, XXXX, XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If all this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SEE ATTACHED CREDIT DISPUTES THAT WAS SENT TO THE CREDIT BUREAUS ON 2 OCCASSIONS WITH " NO RESPONSE ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership to apply for a vehicle. XXXX said they would only pull my credit with XXXX but my credit was pulled from eight other accounts that I did not authorize. 

XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX  - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made a purchase of {$74.00} for a gift for a relative of mine and elected to fulfill through PayPal. As thus, I place my relatives name under the shipping information section as he is my intended recipient while placing my own information under the billing details. Shortly after my purchase was placed, PayPal sends me a message stating that my transaction has been placed on hold and they require the date-of-birth of the name listed as my recipient. Upon calling PayPals customer support line, I inquired various questions regarding the nature of this request and what options are available to resolve. On this call, I spoke to a manager, expressing that I would like to decline providing the information and cancel the transaction, as I do not have the consent of the recipient to provide this information to PayPal. I ended the call with the manager agreeing to provide the Compliance Department with my request. Later I receive an email from PayPal which states Thank you for your response and sorry for the inconvenience caused to you. However, as part of our regulatory requirement, we need the date of birth of " RECIPIENT '' so that we can resolve this issue. I have replied to this email to restate that I do not have the partys consent to provide those details and have requested an alternative. I am currently awaiting a response from a PayPal representative regarding my reply. However, if they insist that I need to provide a DOB then I am not sure what action to take as that is personal information that is not my own, and I do not have the individuals consent to provide that.