23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness.Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is a collection account by the name of XXXX XXXX XXXX XXXX  thats on my credit thats not mine.
Product: Credit reporting or other personal consumer reports

I have an OFAC alert on my credit report that I need removed because it is false and is hindering my application to credit cards and phone plans and such. It is getting in the way in my life and whats unfair is I have no idea why I have it other than my name being a common name.
Product: Credit reporting or other personal consumer reports

I believed the economy was challenging, but after reviewing my credit report, its evident that the inaccuracies there are far worse. My report is filled with incorrect information, which is causing me immense stress and frustration. Its deeply disheartening to deal with this, especially when these errors are affecting my credit score so severely. The situation feels overwhelming, and I cant help but feel defeated knowing that even seeking professional help for the stress would be impossible, as my cards might be declined due to the damage caused by these inaccuracies. As a consumer, I have the right to an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have called the bank and let them know I never gave permission to be added as an authorized user on this account. This false reporting is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau as well to have this account removed however, I have not been successful.
Product: Mortgage

My mortgage was in forbearance period. I received a notification that someone tried to access the property. Later, I became aware that the mortgage company Shellpoint charged a {$30.00} property inspection charge. 
There was no notification to me about any property inspection and the loan agreement does not include any provisions that allows the mortgage company to charge a fee for a property inspection which it decides to do and which I did not agree and did not request. 

I sought clarification and challenged the charge but Shellpoint refused to refund me
Product: Credit card

On XX/XX/2023, XXXX XXXX XXXX XXXX dispatched an unlicensed plumber named XXXX XXXX XXXX, who came to my house and did extensive damage to my heater while trying to fix it. His supervisor named XXXX was called to address the situation, promised to return and fix the heater and asked for credit card number " just in case, so we know we will get paid when we finish the job ''. No permission or authorization, written or implied, was given to XXXX XXXX. No amount of charge was discussed. XXXX XXXX then went on to charge my account {$320.00} without my authorization. I immediately reported the fraudulent/unauthorized charge to XXXX Bank XXXX but XXXX just XXXX in favor of the merchant without any investigation of the facts. Please see attached documents, including the copy of the complaint filed against XXXX XXXX via Better Business Bureau, receipt of complaint filed with MD Attorney General 's office and a receipt for submission of the complaint to Maryland Department XXXX XXXX to investigate XXXX XXXX for hiring and dispatching unlicensed plumbers in the State of Maryland. Note that despite large amount of evidence to support my claim of unauthorized charge by merchant, XXXX still ruled in their favor. I request a chargeback and full refund of money which was embezzled from me by the XXXX XXXX XXXX XXXX.
Product: Debt collection

First of all the number they are calling is a business and does not have a Citibank account. Our company is XXXX XXXX XXXX. We continue to get automated calls telling us this is in regards to our Citibank account ( which they never identify ) and that we are to call XXXX where anyone can help us. I called them and asked them to quit calling us - but it continues. They will not tell me anything about the account, so there is no way for me to stop the calls. I get anywhere from 3 - 5 a day. It 's getting really annoying and disruptive to our business. If there is any individual account that has this number listed as it 's contact number - it needs to be removed because it is a business number, not a personal number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 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.Ive also filed theft report to have matter deleted and previous cfpb complaint.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the CFPB filed a lawsuit against XXXX and Equifax for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to properly address consumer disputes. 
Re-inserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers effectively about investigation results. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize any of the following inquiries. 
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 XXXX XXXX, XXXX, XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have {$50.00} in my venmo account, they blocked my account and scammed my money.
Product: Checking or savings account

I received a XXXX  Cash App card ( Issued by XXXX XXXX  ) in the mail in early XXXX, 2024. I did not request this card. I contacted the number advertised ( XXXX ) on XX/XX/year> to inquire about why I received this card. The company would not provide me with any details about why I received the card and demanded more information from me before we could proceed. I refused to provide any additional information because I do not trust a company that would send me a card in the mail unsolicited and then require my information to know more about it. At this point I thought it might be a marketing tool so I did not take my complaint of frustrations further. 
I then received a second XXXX  Cash App card ( Issued by XXXX XXXX  ) in the mail in XXXX. This card has a new number implying a new account. I did not try contacting the company after receiving the second card based on the response with the first card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX  XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXXXXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Bank account or service

I opened a business checking account at Fifth Third Bank on XXXX/XXXX/16 with bonus offer that was supposed to give me {$400.00} for depositing and keeping {$5000.00} balance during first 60 days and making XXXX debit transactions. I have completed these requirements, but have not received any bonus. I contacted my local branch and they confirmed that I have met bonus requirements, but have not received the bonus due to glitch in their system. They said they would escalate this issue to the regional manager and it should be resolved. However it has been more than a month since then and no bonus is issued. I tried to contact my local branch many times, each time they said that either " somebody is on vacation '' or " somebody is too busy '' and promised to resolve soon. Now they do n't even return my phone calls. It looks like they are not willing to issue this bonus to me, at least nobody seems to be working on this.
Product: Credit reporting or other personal consumer reports

The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$XXXX} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Debt collection

XX/XX/XXXX- PRESENT Sent Certified mail in XX/XX/2019 to try and have them validate that the debt is mine. I sent my signature and Id
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XXXX XXXX of 2017, per equifax website ( https : //www.equifaxsecurity2017.comXXXX ), I was a potential victim for identity theft that occurred in 2017. Equifax had security breach by a hacker and potentially had my personal information breached.
Product: Credit reporting or other personal consumer reports

I never receive the money that was tooking from me I lost thousands to this company,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts XXXX. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. XXXX. Identity Theft XXXX  XXXX XXXX Account Number : XXXX Delete this account. XXXX. Identity Theft XXXXXXXX XXXX  Account Number : XXXX Delete this account. XXXX. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the Fair Credit R eporting to section act ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my repor. account : XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/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: Vehicle loan or lease

I purchased a lease through XXXX XXXX of XXXX Ma in XX/XX/2017. I was only there because I had purchased a XXXX with XXXX XXXX XXXX the week before and had such a great experience. I only worked with the finance manager, XXXX during this transaction. I paid aprx {$1400.00} the day I picked up the truck. I was under the impression that covered XXXX and XXXX 's payment, same as the XXXX dealership. When I hadn't heard anything, I called in to customer service XX/XX/XXXX, and spoke to a really nice rep who stated my account was due on the XXXX of every month and if I didn't make a payment by today I would be 30 days past due. I was in shock AS I WAS IN THE PROCESS OF OBTAINING A MORTGAGE AND COULDN'T HAVE A 30 DAY LATE PAY or I could lose the mortgage down payment, etc. I went home and paid through the automated phone system as I didn't have a check on me at the time. I entered and re-entered both my account and routing number TWICE. Later on, I received an email stating the account was paid with a confirmation number. The following Monday was XXXX and since this was the first time making a payment with GM Financial I wasn't sure how long it would take to post, especially with the holiday. As of Friday it still wasn't taken out of my checking account so I called. They were closed. I called again Monday. At this point the online system stated that they were closed until further notice for system updates. I couldn't log into my account online and I couldn't get through to a human being until XX/XX/XXXX. At this point, I had contacted the dealership, XXXX, and asked what to do. I then received a notification from my credit monitoring services that GM had reported my account 30 days late and my credit went down 60 POINTS MAKING ME NOT QUALIFY FOR MY MORTGAGE. I was appalled. I couldn't speak to anyone, no one would return my calls and I was in the process of losing XXXX and my first home. 

Since this, no one has helped me. I've contemplated getting a lawyer but the fees are hefty and I'm trying to get back on my feet and buy a home as I had to take out a loan to do so. I've had several conversations with the manager of the dealership I was working with and no help. I've sent certified letters to the President and to other Leadership members of GM Financial with no help. Please help me. This is totally unfair and I would never have purchased this truck knowing how awful they treat their customers. Not to mention, the truck had to go into the shop for a fuel emissions issue and I was without the vehicle. IT IS BRAND NEW. 

Keep in mind- they are stating that I entered my account information incorrectly. Which is not true as I entered it twice repeatedly through their system. I feel as though they are trying to make money off of me. They also increased my loan amount by {$12000.00} ( shown below from my credit file )
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Chapter XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My car was totaled out and paid off in XXXX. After sending them the check and sending them the payoff balance of the car there were a few issues. It took them XXXX checks and over 40 days to see the payment added to my account. I was told that there was an issue with their mailbox that they received payments and there was a delay. During this time interest was still incurring on the account. After waiting for the payment to be added to the account there was still an outstanding balance which was not supposed to be. XXXX  had charged me extra fees and added other interest to my loan after the payoff amount was sent in. Because there was an outstanding balance that I wasn't aware of, the payments started to be late and they reported " late payments '' to my account for a car I never had and had already paid off. They caused me to miss out on opportunities for reporting this false information on my credit report. These unnecessary charges had to be paid and time and resources were spent on communicating with them to get this issue resolved.
Product: Debt collection

This debt of {$400.00} was paid off i n 2016 through the original company (   XXXX   XXXX   XXXX   ). I DO NOT HAVE ANY DEBT WITH THIS COMPANY ( EOS CCA ) NOR DO I HAVE ANY TYPE OF CONTRACT WITH THEM.
Product: Consumer Loan

I purchased some jewelry in XXXX from XXXX. The merchant facilitated the financing through Well Fargo. The creditor never provided me with a Credit Score Disclosure.
Product: Debt collection

They call me 2-3 times EVERYDAY, they do not tell me who is calling. They just call and hang up after I answer, i receive their calls from XXXX to XXXX consistently waking my family.