23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX Acct # XXXX, XXXXXXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX I looked at my Equifax credit report and noticed some things are incomplete and inaccurate 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 who the report relates according to 15 US 1681 ( e ) ( b ). 

According to 15 USC 1681 i 5 they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information. 
( A ) In general if after any reinvestigation under paragraph ( XXXX ) 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. 

According to 15 USC 1681 s-2 they are supposed 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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXBalance Owed : {$640.00} XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXXBalance Owed : {$630.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXXXXXXBalance Owed : {$23000.00} XXXX XXXXXXXX XXXX XXXXXXXXBalance Owed : {$350.00} XXXX XXXXT COL XXXXBalance Owed : {$2700.00}
Product: Checking or savings account

i have had an account at this bank for 4 years and never had a problem, but they have hired a new risk department and the risk is to the elderly and the financial fraud they warrant as elder abuse and fraud, they have paid so many unauthorized charges immediately and then i must wait 90 days until investigation is over, In the meantime within one month i have received over a {$1000.00} in bogus bank charges as they want to profit from letting vendors steal my money and now i must fight to right their wrongs. i am a lone woman of XXXX years old and i did life at XXXX XXXX XXXX XXXX  XXXX living off my fixed social security .and barely scrapping by, but i had a home and even though it was hard, i budgeted it. Now because of BBVA handling of my account and all the charges they tacked on for their profit, i am now homeless sleeping in a park ' I went to the branch to straighten it out, the girl named XXXX told me that i will never get one dime back and open account elsewhere. i was devastated and cried myself to sleep. i must keep the account open in hopes they remove the bogus charges even though now no way i can pay the {$1000.00} in bank charges. This is terrorizing the elderly and we had a meeting about BBVA and they are doing this to all the elderly, over 10 senior citizens
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection company on my credit report that has no history with me whatsoever. This company is working for another company that also has no history with me whatsoever. 
I believe the first company sold my information to the second company and now the second company submitted false information to Experian. 
I plan on suing any and all companies since I have experienced increased interest rates due to the fact that my credit score went from XXXX to XXXX because of this false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of fraudulent accounts that appear on my credit report with XXXX, TransUnion, and XXXX. I have filed an FTC complaint detailing all of the fraud that took place on my report. I just want this corrected. This is keeping me from getting a house and getting a car. This is not right and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated. 

The account in question is as follows : XXXXXXXX XXXX XXXXAccount Number : Unknown Creditor Name : XXXX XXXX  As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report.

Please provide me with the following information to verify the debt : 1. The original creditors name and address.

2. A detailed explanation of the debt, including proof of its validity.

3. Documentation that the debt is mine and that it is reported accurately.

If the debt can not be verified, I request that it be permanently deleted from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and FDCPA regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I do not nor have i ever owned a XXXX  credit card
Product: Credit card or prepaid card

I opened a card at Target and was approved for a {$300.00} credit line from the Target credit card. When I received my card when I went to acitivate my card the number for activation took me to a recorded message that sold XXXX products. I immediately though that I must have dialed the wrong number. I dialed it again and only to get the same results. It had no other options for getting to a customer service provider or to activate my card. I decided to activate my card at the Target store where I was shopping.I was informed that I would need to activate my card online. When that was done. It worked and it said that my card was activated. When I went to use my credit the teller informed me that I needed to reapply. I believe that she switched my card without my knowledge to a debit based target card which I was unaware of. As I made my payments on- time and correctly according to the terms of agreements. The target customer service members would constantly tell me I owed more money and that my payments were behind. I reached out several times to Target customer service people, managers. Somehow I was informed that XXXX XXXX   was involved in my credit payment history and managing my account. They began to be managing two additional credit cards that I obtained during similar times. I was sure that the information in the brochure when I got my card said another company was the financial underwriter. XXXX XXXX began taking the payments that I would send for payment and still telling me that I was behind in the payments even though on some occasions I paid multiple times. Who is XXXX XXXX and how were they capable of intercepting my accounts so easily. The payments that were made to pay off my small balance were taken and used for large fees that they began telling me that I owed. Please inform whomever is necessary of this scam. I have paid my account in a timely manner and it was intercepted through the customer services representatives and the telephone customer service representatives that your Target stores employ. How else can I keep a good account if your customer service workers, cashiers and telephone customer services employees are unscrupulous!
Product: Mortgage

On XX/XX/20 we paid our XXXX mortgage. On XX/XX/20 we requested 3 month payment suspension through Wells Fargo 's website as per the CARES act. 

Wells Fargo is now claiming that the 3 months payment suspension started retroactively in XXXX and our payments resume on XX/XX/XXXX. 

Our understanding was that the payment suspension began at the time of the request. Wells Fargo claims they have interpreted the CARES Act to mean that all payment suspensions started in XXXX regardless of when they were requested. This is ridiculous because we already paid XXXX. They offered to return our XXXX payment but that seems like moving backwards. 

Essentially they are trying to limit my 3 month suspension to 2. If I extend it by 3 months it'll be limited to 5. If I end up needing to extend it to 180 days who knows what they'd do. Essentially they're making unilateral decisions about how the law is interpreted and implemented. 

The CARES act specified that payments can be suspended for up to 180 days if needed. If my mortgage company is attempting to limit and thwart that, isn't that illegal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Bank is a bank that did a credit inquiry on my credit report on XX/XX/2020 in reference to a co-applicant loan for a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX they did proceed to go through to process this loan with a application ID number of XXXX and Ally stating the reasoning of denial of the loan was they could not run a credit score with XXXX due to it not being available. However, Ally caused a hard inquiry on my credit report.This is reporting in error with all three bureaus. Please have this error removed off my credit report. Ally did not get a score but it's stating they did a credit hit on my credit report. Ally Bank XXXX XXXXXXXX XXXX CT XXXX Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show incomplete or inaccurate information. The credtior XXXX XXXX XXXX account number XXXX credit reporting history is listing inaccurate late payment for this account on XX/XX/2017, and XX/XX/2017. I have not only paid this account in full. But, I have never missed payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also, I attempted on a number of occassions to reachout to experian with no success. Please again, update account to have late payments show deleted.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 






Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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 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 an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number 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 # ( private case number ) 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. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

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




XXXX XXXX # XXXX XXXX BANK # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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

I am looking to purchase a Home and once I looked on my credit I see XXXX accounts that I never seen before
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act XXXX  accounts # XXXX, violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 25 usc 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. Over draft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax Subject : Dispute and Request for Removal of Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute several inaccurate credit inquiries listed on my credit report as provided by XXXX, XXXX, and Equifax. Upon review of the report, I have identified multiple errors in the reporting of these inquiries, which appear to violate provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Errors Identified : XXXX. Duplicate Hard Inquiries : Several creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are listed multiple times on the same day or within a short timeframe. This duplication creates an inaccurate portrayal of my credit-seeking behavior and violates Metro 2 reporting standards for data accuracy. 
XXXX. Lack of Permissible Purpose : Under the FCRA ( 15 U.S.C. 1681b ), hard inquiries must have a permissible purpose. I did not authorize multiple inquiries from the same creditors, nor was I informed of these inquiries in a manner that aligns with the law. 
XXXX. Unauthorized Inquiries : Some inquiries, such as those by XXXX and its related entities, were not explicitly authorized by me. These inquiries appear to have no legitimate purpose and should be removed immediately. 
XXXX. Misclassification of Inquiries : If any of these inquiries were soft inquiries or conducted for pre-qualification purposes, they are incorrectly classified as hard inquiries, further damaging my credit report unfairly. 
Request for Action : I kindly request that XXXX, Equifax, and XXXX : XXXX. Investigate each of the above-listed inquiries to verify their accuracy and compliance with the FCRA and Metro 2 guidelines. 
XXXX. Remove any duplicate, unauthorized, or misclassified inquiries from my credit report. 
XXXX. Provide me with a written confirmation of the outcome of this dispute within 30 days, as required under the FCRA. 
XXXX. Remove address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

Enclosed, please find a copy of my credit report highlighting the disputed inquiries, along with a copy of my ID and proof of address for verification purposes. 
Thank you for your prompt attention to this matter. If you require additional information or documentation, please do not hesitate to contact me at ( Your Phone Number ) or ( Your Email Address ). 
Sincerely, Look forward to your timely resolution.
Product: Checking or savings account

I believe I am part of the Wells Fargo settlement and have to Receive a check.
Product: Debt collection

On XX/XX/XXXX I filed an identity theft report with identitytheft.gov and reported the errors on my credit report due to identity theft. I mailed my identity theft report with all requested documents to LVNV Funding LLC and was informed that my case was being investigated. 

I am a currently XXXX XXXX XXXX college student and the LVNV account dates back to XX/XX/2017 that means that account was fraudulently opened when I was XXXX XXXX XXXX. 

As to date the company has yet to remove the fraudulent account of my report which is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX  XXXX Balance Owed : {$0.00}