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

To whom this may concern, I am writing to request the removal of unauthorized & fraudulent credit inquiries on my Equifax credit report. My latest credit report shows 19 credit inquiries that I did not authorize. I have listed them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the XXXX data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.
Product: Credit card or prepaid card

On XX/XX/2022, A hard inquiry was made on my XXXX account. 

On XX/XX/XXXX I contacted XXXX who gave me an open case number and directed me to file a fraudulent claim with ftc.gov. 

On XX/XX/XXXX I had enough information to contact Bank of America who had issued a cancellation of the card and information to provide to ftc.gov. Bank of America received an online application for credit in the amount of {$7500.00} as an XXXX XXXX XXXX. The account was not associated with my phone number. I was also informed that this fraudulent activity has been happening quite frequently this year. In addition Bank of America requested I contact the United States Postal Service to verify a change of address had not been initiated. 

On XX/XX/2022 I contacted my local postmaster and confirmed that an informed delivery had been requested that I had not initiated. Also the US post office will be monitoring my mail for suspicious activity. 

On XX/XX/2022 I am filing a report through ftc.gov who then forwarded me to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've complained about being a victim of identity theft multiple times already. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX thru XXXX Amounts : XXXXXXXX XXXX XXXX XXXX XXXX  {$6900.00}. Action steps taken : I have called MOHELA and have been placed on hold for over an hour and transferred to another department with a wait of another hour, then transferred again to the credit department. They sound proactive and have given me a letter, but it does not affect the credit reporting. This has affected me purchasing a home, and it is creating so much stress that its affecting my health. I have talked to the credit bureaus and filed a dispute, which pushes everything Im trying to do back 30 days and can result in me losing my home.
Product: Money transfer, virtual currency, or money service

Ive been a cash app user since XXXX and they have used my name and account without authorization. Taken money and allowed my information to be hacked with no customer service. Date breach and stolen information
Product: Credit card

I received a credit card statement and it contained a {$75.00} " fee '', which was not detailed and no explanation was given. I contacted Citibank and a representative reviewed and finally answered that it was an annual fee. I asked why this was not printed on the statement and the representative stated that it 's a known problem, and that he 'd share my concern with management. I felt that answer was insufficient and asked to be transferred to a manager to discuss why Citibank is placing charges on my account without an explanation. I waited on hold for XXXX minutes and the call was disconnected. Today I logged onto my account to verify a {$1000.00} payment I sent from my bank on Sunday had been applied and noticed my account was closed. I called Citibank and they said that it 's their policy to close an account if a customer questions the validity or usefulness of paying the annual fee if a call is disconnected while waiting to speak to a manager. This policy is not stated in my card member agreement, and is not printed or published on their website. This seems completely insane and incomprehensible. They stated I would have to re-apply to get the card again, including a credit check, which negatively impacts my credit. I have had the card for almost seven years, very actively used it, and never been late in payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX # XXXX 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
Product: Debt collection

XXXX XXXX XXXX XXXX recent review of my XXXX, and XXXX credit reports alerted me of a collection account that had already been resolved. On XXXX/XXXX/XXXX, it appears that Commonwealth Financial Systems re-reported the service from XXXX XXXX XXXX for the date of service XXXX/XXXX/XXXX in the amount of {$430.00} to all XXXX bureaus. In XXXX, I dealt with XXXX ( which bounced me around internally ) which was reporting at that time. I have attached information regarding where the payment was mailed. Unfortunately, more detailed specifics can not be generated from my prepaid account due to the age of the payment. Sometime last year XXXX XXXX XXXX, I was contacted again about it. When I advised that it was already paid, the conversation did not devolve into an argument and I thought records were finally updated and closed. Now this. 

Any record of this account needs to be re-deleted from all XXXX of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent an additional letter to Equifax considering the incorrect information on my credit report. I also sent a letter on XX/XX/2020 and still didn't get the results that I instructed. I am stressed due to to this incorrect information it has disabled my ability to obtain credit and does not properly show my ability to be a responsible consumer. By law they have not responded within the time frame and are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

I went to pay my mortgage as usual and when I logged in to Mr. Cooper website my mortgage went from XXXX to XXXX without notice. I contacted my closing attorney and loan officer and they told me the servicer is incorrect. The servicer has me down for XXXX in property taxes but the XXXX 's where I live gave me documentation showing my taxes is XXXX. I have been getting debt collection calls. my payment is still showing as if I didnt pay my mortgage. they said it is a partial ; payment. 

They tried to charge me to pay over the phone because the website does not give you an option to input an amount to pay.
Product: Bank account or service

XXXX I lost my wallet a couple of months ago, I must have thought I contacted capital one 360 's department about my stolen bank card. I was asked the other day ( by my boyfriend ) what ever happened to that return ... Apparently I had contacted everyone else but capital one 360 about having lost my wallet ... 

Capital one 360 is supposed to be zero liability. I was essentially accused of lying about my card being stolen because it was reported late, I had reported other activity ( mind you I believed I had reported losing my card ), the medications make me confused. Capital One 360 claims ZERO liability during it 's advertisement. That is completely false!
Product: Checking or savings account

I was frustrated with Current 's late interest payment. I contacted Current customer service and was provided complaint Reference ID XXXX. I was also told that to file a complaint I should email XXXX. I'm attaching an email of the auto response when I emailed my complaint to the email provided from their own customer service in this chat. In short, it bounced back. Why did they provide me an email address for my formal complaint which just bounces back? I'm filing this complaint as apparently Current didn't want to accept my complaint through the email they provided for formal complaints.
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 ( original creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ), Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX 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 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 card

From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
XXXX XXXX - never late Bloomingdales- not late was late in the past, and this came off my records XXXX  - never late XXXX XXXX - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Product: Debt collection

I have been receiving weekly texts messages from various phone numbers with a message that reads : Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX XXXXXXXX, XXXX. MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/disclosures I have replied STOP, I have reported it as junk, I have blocked the number and I still keep getting these texts every week. I have never had an account with XXXX XXXX and I don't have any debts, so I already knew this was a scam and will not attempt to visit their site or call them as I do not want them to have any more of my information than they already do.
Product: Consumer Loan

I tried several times to change my loan 's direct payment from the Popular Community Bank account that I could no longer deposit money to because I moved out of the state of XXXX where they are located, to a new bank account I opened in XXXX Bank. After a XXXX of unsuccessful attempts following the different directions a got from PCB 's personnel, I started receiving several calls a day from different phone numbers. Most of the time they called during the day when I 'm at work unable to pick up my cellphone. Then, a couple of days after that, they started calling my boyfriend, his dad, his grandmother and some roommate I had a year ago when I lived in XXXX. The calls got consistently annoying to me, and everyone else they called. I already paid the debt through the phone, and there is no payment due that is late, but they keep calling.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, 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. The account [ XXXX XXXX, XXXX ] is not complete and accurate. 

XXXX XXXX has not provided validation information under XXXX XXXX XXXX ( b ) ( XXXX ) but yet they placed a collection on MY consumer report. 

XXXX XXXX is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

XXXX XXXX has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 1 ) XXXX XXXX XXXX XXXX Acct # XXXX 2 ) XXXX XXXX Acct # XXXX 3 ) XXXX XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX Acct # XXXX 7 ) XXXX  Acct # XXXX 8 ) XXXX XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX has violated my rights. 
15 U.S.C. 1681 section 602a states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish an account without my written instruction to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do hope your company can help me. I'm pretty new to this credit thing but I had researched several sites and watched several videos about things reporting on credit. I noticed that there are several accounts that are very old that I was under the impression they were suppose to be removed now because they are past the statue of limitations. I did dispute directly with the bureaus and several are still listed it just doesn't appear that they are doing what they are suppose to do so I thought I would ask for your assistance with the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX these are all showing past the statue so I don't understand why they would still be listed. Can you please help me?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling disputes, particularly in light of the recent CFPB lawsuit. Despite using Zelle numerous times And reporting discrepancies, my financial Institute and Zelle failed to investigate my claims adequately. They told me once I sent the money that I would never get it back. 
The CFPBs has shown that Zelle neglected to protect the consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

RS CLARK & ASSOCIATES {$250.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ARE NOT LICENSED TO COLLECT IN MY STATE {$70.00} XXXX XXXX XXXX XXXX HAVE BROKEN ALL HIPPA LAWS WHICH IS A HUGE VIOLATION OF PRIVACY ACT. 
{$84.00}, {$73.00} {$57.00} COLLECTION AGENCY OR ANY OTHER THAT TRIES TO ATTEMPT TO COLLECT THIS UNLAWFUL DEBT. ALL DOCS ATTACHED OF WHAT HAS BEEN SENT TO THESE COLLECTIONS AGENCY 'S. CEASE AND DESIST LETTERS HAVE GONE OUT AND NONE OF THESE AGENCIES ABOVE HAVE AUTHORIZATION TO COLLECT IN MY STATE. PLEASE HAVE THESE REMOVED WITHIN XXXX HOURS THE LATEST. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 242 - Deprivation of rights under color of law. Credit is a right a creditor can not deprive you of that is extortion.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I will be demanding the full balance if this is not removed immediately from my credit report.

15 U.S. Code 1615 - Prohibition on use of Rule of 78s in connection with mortgage refinancings and other consumer loans 47 CFR 1.1950 - Reporting discharged debts to the Internal Revenue Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent my first letter to XXXX XXXX requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XX/XX/2022, advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. 

It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.
Product: Credit card

I closed a Citibank account and made sure there was no out- standing balance. But Citi did n't take enough to clear a late payment penalty, which should not have been charged, and then in the following month it charged a late fee on the late fee -- in other words, a XXXX % in XXXX month penalty for a phantom bill.
Product: Checking or savings account

I asked Wells Fargo to close my account, they refused to do so on the basis they said I still owed a fee, I withdrew all my money from both accounts, business and personal, ,I believe they are stealing my money, when I pay a bill from account, the bill is paid at the time, deducted from balance, then a week later it comes out again, ,they say dont post until a week later, its been happening to long, they are charging me twice, this is a corrupt bank system, ,.I was over charge from cable company 5 months in a row, I disputed charges, XXXX XXXX said they could not find charges, Wells Fargo did investigation XXXX they credit me 1 payments {$41.00}, but payments should have equaled 5 months a over {$110.00}, why would they credit me {$41.00} and not all, I requested to shut account down, ,they refused, and still running up {$35.00} from same account for 2 months, and that account only has 1 payment, not 3 separate accounts, this bank needs to be shut down,, need to be investigated at once
Product: Vehicle loan or lease

On XX/XX/XXXX I signed a contract with U.S. Auto Sales/U.S. Auto Finance to purchase a XXXX XXXX XXXX ( vin number XXXX ), at the price of {$35000.00} including a finance charge of {$14000.00}, in addition to a down payment of {$2000.00}. 

I was not fully disclosed of all the facts of my contract before signing. I did not receive notice of my right to rescission upon signing such contract, nor was I disclosed of the fact that my down payment was included in my finance charge and that I was gifting my cash to them. 

Pursuant to 15 U.S.C 1635 ( a ) the creditor shall clearly and conspicuously disclose the facts of my right of recission, in addition to providing the proper forms, which was misrepresented by an exchange program by the creditor nor were any of the proper forms provided to exercise my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

They HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.