23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX for {$410.00}, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX for {$760.00}, XXXX XXXX opened on XX/XX/XXXX for {$290.00}, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX. Another loan opened at XXXX XXXX on XXXXThese accounts have resulted in several hard inquires and fraudulent collections appear on my consumer report. Hard inquires : 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, All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Re former complaint number XXXX which CFPB closed as it seemed satisfied with BofA 's response : If XXXX XXXX, 2017 ended the 10-day monitoring period, why did it take BofA another month and a half to return the {$1600.00} to my accounts? That is the issue that BofA continues to dodge. I want BofA to address the issue that it took TWO MONTHS to return the funds to my accounts when BofA admits they knew the charges were fraudulent on the day they happened. Please address that issue and not that BofA DID return the funds. Address why it took BofA SO LONG to return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX
Product: Debt collection

This is a debt that is from XX/XX/2005. XXXX XXXX insured a motorcycle that was totaled in an accident. They reimbursed me for the motorcycle loss. I no longer had a motorcycle at that point but they continued to auto bill my checking account for a motorcycle that no longer existed. Not to mention that this is 11 years old. Now out the blue this company called Credit Control Services just starts to report this to my credit profile and they expect me to pay them. I did not owe this debt then and I do not owe it now. My credit score dropped XXXX points just because of this company 's dumb actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018, I have tried to have these inquiries removed. More and more keep popping up. I have called and opened disputes with TransUnion who refuse to remove the inquiries. I have been victim of fraud and need them removed immediately. They refused to remove them. I attached the inquiry dates below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX XXXX, XXXX XXXX  Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

When I have used Zelle in the past there was no fine print about how they do not protect your transactions when lying somebody else even if it goes to the wrong person. I have had random transactions show up to my account, but the only reason they couldnt go through because there were no funds available. When I asked my banks how did they even get my information, they just stated we will send you another debit card, but there was no investigation. I have had transactions on XXXX XXXX, which card info is not on, as well as, a random transaction to buy alcohol at XXXX XXXX. I am a stay at home mom. Im not outside at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Please see my attached Notice to file Suit, my break down of all transactions with XXXX  showing XXXX 30 days + late payments BUT INSTEAD a one time deferment plan set up then an immediate extra/over payment when it was due ( on time ). You now have 24 hours to fix this or you will be summoned to court and my attorney will be taken over in a class action suit. You guys are just taken their word not even seeing they close out compalints immediately with 0 proof to back them..they don't care and neither do you but I do when it comes to my livley hood and 7-10 years of being stuck in life because you guys mishandled my accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on credit report
Product: Checking or savings account

On XXXX XXXX or XXXX / 2022 I called use bank and told them I left my wallet and phones at jewelry shop in the XXXX XXXX located in California I told the because I do not have my phone with me so when I`m trying to login to my online banking to check the activities It s asking for a pin for verifications which it send to my phone so I do not have my phone with me so I cant check my online ban king or I wont get notification if there are charges on my account. I called them during night time lets say between XXXX till XXXX because when I went bacK to get them the mall was closed. 
they customer service refuse to block or put a hold on my account and they told me if something happens you can dispute the transaction! 
there where almost about XXXX worth of transactions on my account I called them on Monday and dispute those transactions after 2 months calling them regarding my case status they were keep saying it s been under investigation! 
and when I called last time the supervisor called me back and told me next morning they will credit it back to my account. they did 2 wire transfers each about like XXXX from XXXX XXXX  and that was wired usually you get refunded by each transaction not like full amount in once so then I was okey there have not refunded me the XXXX remaining balance so I waited two days and while I was waiting they called me and told me after 3 months investigating all those transactions are correct and they told me now I Owen them for those transactions which it was about XXXX so they took almost more then XXXX from my account and they put XXXX  negative balance on my account and then blocked me from online banking so I lost almost XXXX over there and I had to wait 3 months for them to refund me the XXXX which they did XXXX and retook it right after 2 days and closed my business account then every month they called me and harassed me and Now I`m keep getting letters from Debt collections. because of their actions I lost my time lost money and after that I could not open up another bank account for my business .please help me out to resolve my issues all my calls are recorded with them so I`m at the right side I have not done anything wrong and they just used their power and did all those stuff to me.Please help me out if it s possible to save my money and account. 
thank you my name is XXXX XXXX and my company name was XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX have been reporting incorrect information on my credit report. The Collections for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Do not belong to me. These two are not my accounts I have never opened up any \accounts and not paid for them and I certainly have not signed or opened these two accounts. I have been disputing these two accounts witjh the two bureaus for over 8 months and not once have they verified that these are mine they just come back with verified. I would not be fighting this hard if these were my accounts. But they are tarnishing my credit and not helping me. I am an ethical citizen and I do not appreciate identity theft which is the case here and no one is helping me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern and frustration about your credit reporting agency reporting information about me without my consent. I believe that this action is a violation of my consumer rights and is contrary to the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to obtain written consent from individuals before collecting and reporting their personal information. However, I did not provide any such consent to your agency, and yet you still reported information about me to third parties. 

Furthermore, the FCRA requires credit reporting agencies to ensure that the information they report is accurate and up-to-date. However, I have reason to believe that some of the information you reported about me is inaccurate and may have negatively affected my creditworthiness.

I demand that you cease reporting any further information about me without my written consent. I also request that you investigate any inaccurate information that you have reported and correct it immediately. Failure to do so would be a violation of my consumer rights and could result in legal action. 

I hope that you will take this matter seriously and take the necessary steps to rectify any harm that has been done to my credit reputation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/2019 {$370.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect balance and that is against the Fair Credit reporting act.
Product: Credit card or prepaid card

on XX/XX/20 There were fraudulent charges on my visa credit card. 
I contacted fenfed customer service and they said they would start and investigation into the fraud, and that it would take approximately 10 days for the charges to come off my credit card. 
After numerous calls with out any contact from Penfed. I was the only one contacting them, as of XX/XX/20. they sent me a response, saying that there were no fraudulent charges on my account the the case was closed. 

this is {$1600.00} in fraudulent charges that I am not responsible for. 
I have no other recourse at this point. 
am looking for help in this matter
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Navy Federal Fraud Department RE : Account number : XXXX Account number : XXXX Dear Sir/Madam : I'm a victim of identity theft. I recently found out that my personal information was taken to open an account with your company. I did not open or authorize this account, hence I beg that it be closed immediately. I also request that NAVY FEDERAL relieve me of all charges on the account and take all necessary actions to delete information about this account from my credit record. 
Enclosed is a copy of my Identity Theft Report AND POLICE REPORT, which backs up my position, as well as a copy of my credit report, which shows the false items relating to your firm that were obtained through identity theft. A copy of the CFPB 's Notice to Information Furnishers is also provided, outlining your responsibilities as an information provider to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must cease giving identity theft-related information to any CRA. 
The Notice also describes your responsibilities if you get notice from a CRA under section 605B of the Fair Credit Reporting Act that the information you gave to the CRA was the result of identity theft. These responsibilities include ceasing to supply misleading information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection. 
Please look into this situation, terminate the account, relieve me of any charges, follow the processes needed by the Fair Credit Reporting Act, and send me a letter outlining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : Police report identity theft report copy of the credit report CFPB 's notice to information providers ( PDF ).
Product: Debt collection

Waterfall Revenue Group obtain personal information from XXXX XXXXXXXX XXXX XXXX XXXX  my rights were violated by the HIPPAA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing and challenging the debt XXXX XXXX XXXX  says I owe. 
The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all XXXX credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX  and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a law student.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Violation of Section 605C of the Fair Credit Reporting Act.

To Whom It May Concern, I received a letter from experian saying they could not process my request for trafficking block because it was made by an entity not authorized to make a determination under the federal rules and not authentic document from an authorized entity. This is false. The same information that is attached to this complaint is the same information that was sent to experian showing that not only is the organization indeed authorized by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to issue my trafficking documentation along with the rule and Program Instruction ( PI ) that was issued on XX/XX/XXXX and updated on XX/XX/XXXX and that they are authentic entity and it is an authentic document that was issued to me by this entity. 

I also provided everything that is required including the 605C Self-Attestation Form which is signed by an authorized representative of the entity organization with their clear contact information, website, direct phone number and email to verify all documents that was required and signed off by the entity. 

All domentation was also submitted by postal mail and via experians upload feature on their website and now being submitted here at consumerfinance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file. However, there are still accounts that need to be CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated in my report. 
XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXXXXXX - XX/XX/XXXX ~ XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX customer service at TransUnion or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to your credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- UNAUTHORIZED INQUIRY 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.