23daVinci/CFPB_Complaints huggingface dataset:
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 items XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX XXXX ( XXXX ) did unauthorized transaction on my XXXX account ( CASE ID XXXX ) and my American Express credit card was charged {$290.00} XXXX on XX/XX/2023. I tried to raise the complaint with XXXX and American Express but my claim was rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been a victim of Identity theft, and I fill my file has been compromised because of incorrect addresses that have been allow to stay on my credit report, I have contacted reporting agency to have them removed but they haven't complied.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Product: Debt collection

I have received a notice from Credit Management LP, in regards to a balance what XXXX XXXX XXXX. This charge is for the equipment which was returned, and in a timely fashion. The balance is still being reported and is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft and i did not authorize these companies with written consent to report anything on my credit report. no consent is identity theft.
Product: Debt collection

I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage lender XXXX went bankrupt effective XX/XX/XXXX. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XX/XX/XXXX, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with XXXX, XXXX, and Equifax. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

am a victim of identity theft and have enclosed a copy of my FTC identity theft report and a copy of my ID as proof of my identity. I am writing to request that you immediately block the following fraudulent information from my credit file, in accordance with Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ).

Upon obtaining a copy of my credit report, I identified accounts that do not correspond to any transactions I have made. This is not a regular dispute but a result of identity theft, as documented in my complaint with the Federal Trade Commission ( FTC ).

Under the Fair and Accurate Credit Transactions Act ( FACTA ) and FCRA, I am requesting that the following fraudulent accounts be deleted and permanently blocked from my credit report : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
In accordance with the FCRA, I respectfully request that these accounts be blocked from my credit file within four days of receiving this correspondence. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

Regarding Navy Federal Credit Union XXXX and Savings account number XXXX and denied me access to my Veterans Administration XXXX check last XXXX XXXX, 2016. Moreover, NFCU took it upon themselves to pay loans owed to them and have move funds from my savings to checking to cover distribute to at their discretion without my consent. And have charged me multiple insufficient funds fees for loans that were carried by NFCU and others knowing that no funds were available as a result of their unauthorized distribution of my funds. I have been charged XXXX in insufficient funds fees collected by NFCU as a result of them withholding my funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act specifically Cash App fail to take timely and effective manners to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolutions requirement under the electronic fund transfer act and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience an 1 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account/loan was opened in my name by a fraudster with the company called " XXXX ''. The loan is now being reported 30 days late. I contacted the company XXXX, and they said they would email me documents to support the fraud claim, but they never sent the email. When I asked where the proceeds to the loan were sent, they said XXXX Bank, which I never have heard of. This is a fraudulent account, and it needs to be removed from my credit report now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit World Services, INC Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

LexisNexis Clue Report is inaccurate. They placed two accidents on a Clue Report that are not my accidents. The person involved is XXXX XXXX, lives in XXXX XXXX CA, drives a XXXX per their report. My California driver 's license is " XXXX XXXX '', i have never driven a XXXX, have never been in the accidents stated on the Clue Report and my home and mailing address for the past 23 years has been in XXXX California. They refuse to take these fraudulent reported accidents on my LexisNexis XXXX Report off. Because of this, I am being surcharged and losing out on almost {$400.00} per month that I can be saving. I need immediate action against them. I've never signed up for LexisNexis, do not know who they are and how they can do something like this that adversely effects my driving Consumer Report with fraudulent claims. My California Department of Motor Vehicles driving record does not have these two accidents on my driving record or history because they are not mine. The insurance companies refuse to use my CA DMV report which is accurate and use the LexisNexis Clue Report which is inaccurate and false.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion has an error bankruptcy listed on my credit report. I do NOT have a bankruptcy or any bankruptcy accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently review my credit report and I contacted Experian so I can remove an inaccurate address which I have never lived at. Experian has refused to move the address. I would like the address Deleted from my report. I have never lived there. The address is XXXX XXXX XXXX, TN XXXX.
Product: Checking or savings account

The problem specifically is with Chase Bank. 
I have rental management company and receive the tenants deposits into my bank escrow account every month ( this account is not in Chase Bank ). Some of my Landlords interacted me to deposit their rental proceeds into their checking account. Some of them have checking account in Chase Bank. 
Here it is the problem : During the las 3 o 4 months of 4 deposits that I monthly made into my Landlords ' accounts in Chase Bank, at least 1 deposit is put in hold. It's randomly, one time is this Landlord account, the next month is other Landlord account, etc. 
The amount of the checks are around +/- {$2000.00}. 
When you ask why the reason of the hold, the bank representative say that he/she does not know the reason. 
As a consequence of this actions I had ta ask to reversed the deposit on hold go to my bank and ask for a cashier 's check an d deposit again in Chase Bank. 

I deposit other checks in XXXX XXXX XXXX XXXX XXXX XXXXXXXX banks without problem. 

I just reported this situation because this is not normal. What it is certain is that when it happened to me the 1st and I decided to deposit the check and accept the hold the money was withdrew from my account the next day. However Chase bank was playing with the money for more than a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC has violated I, XXXX XXXX, Consumer rights.
Product: Payday loan, title loan, or personal loan

Took out a Title Loan with Titlemax on XXXX. The loan was for {$1600.00}. I have already paid in {$2800.00}. I called for the payoff and they said it was {$700.00} so I borrowed the amount from my sister ... this did NOT pay off the loan. They kept the money and applied to all their fees instead. They still want {$1700.00} @ 158 % interest. I had no idea what I was getting into ... .I am XXXX years old living on $ XXXX/mo in Social Security and can not afford to give them more money. They call everyday saying they are going to come get my car ... .I am under so much stress because of this, I am having health problems. PLEASE HELP!!!!!
Product: Credit card or prepaid card

On XX/XX/XXXX my credit monitoring alerted me to my social security number appearing on a credit application for Capital One Card. I of course believed it to be fraud as I have not ever done business with Capital One or completed any applications of any kind with them. 

On XX/XX/XXXX a credit monitoring representative and I contacted Capital One 's fraud department to indicate that there was a fraudulent application submitted with my social security number. The representative we spoke to stated they believed it was XXXXnot ' fraud, and instead stated that the applicant had simply 'mistakenly ' entered my social security number on an application with their name and info. The representative indicated that this was likely a mistake because other documentation in their possession showed my social security number and the applicants were 'very close ' to one another i.e. 'one digit off '. 

However, the fraud department indicated at that time that a credit account was created with my social security number in the applicant 's name ( note mine ) and that credit had indeed been issued to this person since it was not 'technically fraud. ' When I tried on XX/XX/XXXX to close this account or remove my social security number, I was told by Capital One that I could not do this despite the issue of my social security number, because 'my name was not on the account '. 

Subsequently, I tried on XX/XX/XXXX to once again rectify this situation with Capital One account specialist. After once again confirming my identity and providing my social security number, Capital One reiterated that they could not assist me further because I am not named as an account holder. Likewise, and problematically, Capital One also refused to answer whether or no my social security number appeared on any accounts or applications for the same reason, citing account privacy. They stated they only had the ability to search 'by name ' and my name was not returning any results at this time. 

Capital One should have never issued credit to anyone by any name with my social security number and should have denied the initial application if and when the applicant made an error. Now, they refuse to admit and correct their mistake by closing the account. Furthermore, they are stonewalling me because the account they mistakenly opened doesn't have my name on it. Meanwhile, this account holder could be borrowing against my social security number.
Product: Money transfer, virtual currency, or money service

XXXX payments needs some significant regulatory action. They should be liable for Reg E liability and not banks. Financial Institutions have no control over and can not protect people the way the app creators can.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I reached out to the Credit Reporting Agencies and informed them of the issue at hand. I requested an investigation of the matter, but the results of their investigation were inaccurate. I then reached out to my Creditor directly and they then informed and provided me with documents illustrating the correction of the information and informed me that the Credit Reporting Agencies are reporting information inaccurately on my credit report. The 3 major CRA 's continue to report inaccurate information on my credit report despite the knowledge that the information they are reporting are inaccurate. Due to XXXX, XXXX and TransUnion 's negligence, my livelihood has been negatively impacted and the reporting of such negative/incorrect information has wrongfully impacted my ability to obtain credit and has resulted in my denial for credit when applied for. Furthermore XXXX, XXXX and TransUnion are all reporting the same inaccurate information differently on their credit report system and all differs from that of my original Creditor 's. This is a clear violation of my rights, and they are in violation of the law.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNT : XXXX XXXX XXXX Account number - XXXX XXXX  XXXX / Account number - XXXX XXXX XXXX / Account number - XXXX XXXX XXXX  / Account number - XXXXXXXX XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX / Original creditor XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX / Original creditor XXXX XXXX XXXX. / Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX. / Account number - XXXX INQUIRY XXXX XXXX  XXXX Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State 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 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I have attached proof that Equifax has admitted that I was in fact a victim of this XXXX XXXX and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. I can if necessary, draw up all the negative accounts from my Equifax credit report with account numbers and have them removed asap and I would like to file a complaint against them as well. Thank you in advance...