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

On XX/XX/2016 I lost my wallet. In my wallet there was my license, social security card, and some documents with personal information. Unfortunately a few years later I see that several fraudulent accounts and inquiries to open new credit was used on my consumer report/credit. The accounts and inquiries were fraudulent. I am a victim of identity theft. I filled a police report, filed a complaint with the FTC. The accounts that were opened fraudulently were XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Ive attached my police report. I have contacted you previous times on several occasions. I repeat the accounts were moved and place right back onto my consumer report. I am asking for an internal investigation and a response in writing. Ive sent in certified mail and it was missing. If this continues to become a problem, I will be forced to take legal actions against your company immediately upon your reply. This was beyond my control for someone to open Fraudulent accounts on my consumer report. This has cause some major problems of distress.
Product: Credit card or prepaid card

On XX/XX/2023 I received a notification that my account was restricted with chime. I have worked at my job for over 6 years and have always used a W2 form. Chime stated that they needed a w9 form in which I do not have. I have sent in any requested documents to the support team at chime and they have yet to open my account with my money in it. I can not provide for me and my child because the only money that I have is in my chime account. I do have any other money to eat or pay bills. I work hard for my earnings and Im not doing anything wrong to not be able to access money that I have worked hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

Equifax keeps reporting XXXX account 30 days late and is not 30 days late They have reinserted previously deleted report they remove from negative and inserted again They had removed the 30 days late and they reinserted again They report as a negative account and its not negative Not 30 days See attached bank history " Days '' column never 30 days late Please have Equifax remove from negative remove the 30 days late
Product: Credit reporting or other personal consumer reports

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXXXXXX.
Product: Credit reporting

This complaint is against Transunion Credit Bureau. I 've recently been denied from several companies, XXXX XXXX, XXXX, and even XXXX XXXX XXXX. Two reasons for denial that I ca n't understand. " Serious Delinquency and Delinquency too Recent ''. XXXX XXXX continues to report fraudulent information towards my credit report. On XX/XX/XXXX I received an email from XXXX XXXX, executive director in creditor operations for XXXX XXXX. The email is a response from an email I sent to XXXX to delete my account from all credit bureaus or I would seek legal action for them reporting fraudulent information on my credit report. I 've filed several complaints with Transunion about this issue over the last year. XXXX and XXXX have deleted the account. This account was included in my XX/XX/XXXX chapter XXXX bankruptcy. This bankruptcy is public record and had Transunion done a thorough investigation, this matter would have been resolved way back. I 'm requesting documentation of all other accounts that are supposedly delinquent and derogatory. Over the past 1 and half years, I 've opened about XXXX new accounts. I Have Not missed or been late on any accounts. I do have a chapter XXXX, which is 8 years old, and a chapter XXXX, which is 6 years old, on my credit report. I 've called customer service at Transunion several times. Transunion is the type of company that sends their customer service jobs overseas. I can never hardly understand the representative. They are also not very knowledgeable about The Fair Consumer Reporting Act. Why am I having to talk with someone from another country about my credit issues?? Is n't this one of the issues President Trump ran against?? In addition, I will be filing a complaint with the Department Of Justice.
Product: Credit reporting or other personal consumer reports

SENT IN A REQUEST FOR THE METHOD OF VERIFICATION OF 5 ACCOUNTS REPORTING ON MY CONSUMER REPORT. YOU HAD 15 DAYS TO GIVE THIS TO ME OR DELTE THE ACCOUNTS. I HAVE NOT RECIEVED THE METHOD OF VERICATION THAT I REQUESTED AND THE ACCOUNTS ARE STILL REPORTING ON MY CONSUMER REPORT. YOU ARE IN VIOLATION OF THE FCRA FOR WILLFUL NON COMPLIANCE. YOU WERE TO DELTE THE XXXX ACCOUNTS -- - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), IF YOU COULD NOT PROVIDE ME THE METHOD OF VERIFACTION. I WILL NOW PURSUE MY RIGHTS UNDER THE FCRA FOR YOUR VIOLATIONS OF THE FCRA CONCERNING MY CONSUMER REPORT.
Product: Mortgage

I've my mortgage loan with the Fifth Third Bank and I've been charged a PMI amount of around XXXX XXXX per month because my initial down payment was less than XXXX XXXX  of the principle amount. In XXXX, XXXX, I made additional payments to the principle amount that brought my total down payment close to XXXX XXXX. Ideally Fifth third bank should have canceled my PMI amount in my monthly mortgage at this point but they still kept charging me XXXXXXXX XXXX every month for a year. In XXXX XXXX I finally sent them a notification email with the details to cancel my PMI which they did. However they said that they wouldn't be refunding me my XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) because I'd not requested them to cancel my PMI earlier, despite going above the 20 % down payment threshold.
Product: Credit reporting, credit repair services, 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 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # 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: Debt collection

I canceled internet service with XXXX XXXX & paid the full balance in XX/XX/XXXX and they continued to bill me months afterwards. 
In addition, I returned their equipment to the XXXX XXXX location in XX/XX/XXXX. 

After canceling service and paying my full balance due for XX/XX/XXXX, XXXX continued to bill me in XXXX, XXXX & XX/XX/XXXX at {$100.00} per month. 

When I initially signed up, they offered a 1 year promotion, which ended in XX/XX/XXXX. The bill increased from $ XXXX to $ XXXX. 

On XX/XX/XXXX, I began using XXXX home internet service. 

As of XX/XX/XXXX, the company sent a fraudulent collections bill to the credit bureaus, which has affected my credit score. 

I would like XXXX XXXX XXXX XXXX to remove the debt collections & report my account in good standing to all the credit bureaus. 

Thank you,
Product: Debt collection

The company has been harassing around about 3 months for account open by identity theft with XXXX, We request a copy of the alleged agreement and a copy of his license to collect money in my state and have not given me any kind of document. Rather they began to report the XXXX credit bureaus account. Credit card companies, XXXX, XXXX, XXXX, remove the account when you do get the police report of my identity theft, and the agency returns infrige laws and nuemamente I reported the same account. I already have bad with constant harassment, I will take an action with this agency or fined for not following the CRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit score from one of my lenders and it mentioned i had a serious delinquency. I tried recving my free annual credit report from the government website. I was able to get XXXX and XXXX just fine but Equifax will not let me receive mine. I have tried going on the Equifax website and it still would n't let me. I should not have a serious delinquency and/or no late payments on my credit report. XXXX and XXXX both reflect the correct information but Equifax is not. I am guessing its possibly showing a late payment with my XXXX XXXX student loan? But i am not 100 % sure since i can not view my credit report from Equifax. I have reached out to XXXX XXXX 5 times and each representative has confirmed that they did not report late on my student loan. They have told me that they reported it as 0 days late. XXXX reflects that as well. So i am wondering why my Equifax fico score says i have delinquency or possible late payment and if so need it disputed since thats not accurate. I am guessing it has to do with my XXXX XXXX loan since when i check XXXX XXXX for my credit reports XXXX shows it all correct. But Equifax is showing blanks for last reported on my XX/XX/XXXX and XX/XX/XXXX payments.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit report and unresolved accounts disputes. The ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence, I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my personal information in relation to the XXXX data breach. My personal information was compromised during this breach, and I was never notified about it. I discovered that my information was involved by checking the XXXX website. 

XXXX also has listed on my report address XXXX XXXX XXXX, I want dispute the following items and an incorrect address listed on my credit report. The address " XXXX XXXX XXXX '' is not my address, and I am requesting removal of these items to be immediately from my credit report. Furthermore, I have already filed a report with the Federal Trade Commission ( FTC ) regarding this issue. I believe that your failure to notify me of the breach is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. 


! request that you investigate this matter and provide an explanation for the lack of notification. Additionally, I expect XXXX to take appropriate steps to mitigate any potential damage caused by the breach and to ensure that such violations do not occur in the future.
Product: Checking or savings account

Chase Lease vehicle payments Lease rental payments Utilities bills All want cash and wont show any deposits made
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT PLEASE UPLOAD MY PHONE NUMBER TO MY FRAUD ALERT : XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy Inquiry details XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 an 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

I'm a Vitim of identity theft. Here is a copy report of my police report that I have sent to all three credit bureaus including my identification. None of these accounts are belong to me including those student loans. I need every account deleted or removed.
Product: Credit reporting or other personal consumer reports

This is regarding CFPB complaint XXXX. Due to be XXXX XXXX negligence and incorrect reporting in accordance with FCRA regulations, I have moved forward with getting an attorney to sue your company. Your response to the aforementioned complaint was that you sold the account and then repurchased it due to it being out of the statute of limitations according to the third-party vendor. The complaint in itself was to make you aware that it was obvious that this debt is uncollectible due to the statute of limitations, and you still have a balance of {$1100.00} reporting on a closed account that has been uncollectible since XXXX. In your complaint you stated that in XXXX, the account was recalled. Even still, the statute of limitations is 4 years in the state of Texas, and you are still reporting inaccurate data and trying to collect this alleged debt. This complaint is to make your CEO/VP aware that I will be seeking litigation due to your clear and obvious gross misconduct. Furthermore, there was never notice sent to me years ago that this account was being sold. I never received a 1099c form which is illegal, and I was informed be the IRS to file form 3949a for illegal tax violations. The following account XXXX should be removed from my credit report IMMEDIATELY. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617 and I will be moving forward with the filing of form 3949a as advised.
Product: Bank account or service

Hello, I am a XXXX year old single mother of XXXX. I am writing this complaint as I have no where else to turn. I had a checking account with BBVA Compass in XXXX, Fl in 2009. The account became over drawn, which was an over sight on my part. The account was closed. I have been fighting with this for years and BBVA Compass have not been helpful. They never informed me that I was reported to a company called XXXX XXXX Services. The overdraft on my account was simply an over sight. It was no way intended to cause fraud. I went into XXXX of the local BBVA Compass branches and spoke with a branch manager and I was given a print out of when the account was opened and when it closed. Keep in mind, this account was paid to a zero balance. The overdraft amount was {$7.00} according to my print out. I paid BBVA compass for the overdraft and any associated fees a few years ago. The word " Fraud '' has been hanging over my head every since and again there was no way this account was associated with fraud. I am not a criminal and I have no criminal record nor do I have fraud on my back ground. I am a law abiding working citizen that made a minor mistake and its costing me dearly. Please have Compass review there records and remove this label from my name. This account was not associated with nor intended to be used in any type of fraud activity. If BBVA Compass truly believe this account was intended for fraud, please prove it. I dont owe them anything. And if BBVA Compass does not want my business, I understand but please dont make it hard for me to move on to another financial institution. This is so unfortunate and these kind of practises are intended to hold back the already middle class to poor. Life is a struggle as it is and with paying additional fees to cash my payroll check or pay for pre-paid cards is really hard on me. If you can pull records from BBVA Compass, they allowed me to re-open an account only to close it a few days later and didnt give me an explanation. Never told me they reported me to a place called early warning services for the very very old account back in 2009. I have suffered enough. Again, please review your records as the account was not intended to be used for any mis-leading purposes. I have attached the printout that was given to me and a letter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

The credit bureaus stated that the account was properly investigation but how is it possible if the debt is already paid. If the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal & numerous of rights violate, wherefore too many to mention.

15 U.S.C 1681 section 602 A. States i have a right to privacy.

1 5 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.

This is a violation of the creditor department policy By mixing files, Furnishing and reporting old in inaccurate information, privacy violation resulting in fraud by Creditors, withholding notices and most importantly willful FCRA violations, in which is fraudulent willful intent by to or more officials.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for a pay for delete and the company left the account on my report and its affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I purchased a car for my wife, a XXXX XXXX XXXX XXXX. She has made all the payments for the vehicle. In XX/XX/XXXX she was side swiped by a XXXX bucket truck. XX/XX/XXXX XXXX insurance   company deemed the car totaled, as soon as we found out we contacted XXXX. The requested that the insurance company reach out to the, which is what they have done. According to my wifes attorney the insurance company has continually sent the documents via email, fax, and have sent letters. Each time weve contacted them they have said the insurance company has either sent the wrong documents or that they havent received them yet. The insurance company ( XXXX ) has told my wifes attorney ( XXXX XXXX XXXX   XXXX  his name handling this is XXXX XXXX XXXX ) that they are not sure what is going on over there, that they are not " acting in good faith. '' The paperwork that they are requesting is no different than anyone else who has Gap insurance. XXXX is now sending me certified letters they are welcome to take the car, if that will get them to do the right thing, at this point we are very frustrated with this company and will never do business with them and we will make sure all of our friends and family will know to avoid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with XXXX XXXX First complaint ID with XXXX XXXX First complaint ID with Equifax XXXX