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

The items listed are wholly inaccurate and incomplete, revealing a significant error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS A RESULT OF IDENTITY THEFT DUE TO AN XXXX CREDIT BREECH.THIS SPRINT ACCOUNT WAS DISPUTED AND REMOVED BY EXPERIAN ON XX/XX/2021 XXXX XXXX ( XXXX  ) FOR THE AMOUNT {$2100.00}. 

EXPERIAN HAS ONCE AGAIN PLACED THIS FRAUDULENT TRANSACTION ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX ) FOR {$2100.00}. 
Account number XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ, XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file when I saw accounts and utilities that I have never opened. I found collections accounts from companies that I have never done business with. I have moved back from XXXX XXXX XXXX a few times in the past 4 years. I am here in XXXX now. I do not know who has used my identity. I do not recognize the following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. who ever it is I believe they are still using my name and my name is even misspelled XXXX XXXX XXXX my correct spelling is XXXX XXXX. I have filed a report to the FTC as well as XXXX XXXX XXXX.
Product: Checking or savings account

I received a message about possible mismanaged bank accounts from wells fargo bank for several years, and I banked with them for many years and I was charged many fees and remember being told about data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX/XXXX  XXXX {$280.00} XXXX   XXXX {$370.00} XXXX/XXXX XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up prior to my previous complaint last XX/XX/XXXX. My previous complaint contains these disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 company is furnishing inaccurate information on my credit report. SEE ATTACHMENTS AND RESPOND AS SUGGESTED.
Product: Credit reporting

As a part of an agreed contractual agreement, the account was paid in full and specifically negotiated with the company, that the negative item would be permanently removed from all reports ( Transunion, XXXX, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to notify them that Bankruptcy XXXX needs to be investigated for verification and deleted because it is erroneously being reported on my credit report. Transunion responded to my request for verification with a response that the account was " Verified '' sighting the source as XXXX XXXX. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Transunion and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Transunion is willfully reporting erroneous, damaging, and unverified information on my Transunion report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis. 15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v. Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the credit report
Product: Vehicle loan or lease

On XX/XX/year> I walked in to Tesla Motors ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and told the salesman that I would like to lease the XXXXXXXX XXXX XXXX we have reviewed and I would like to lease it under my company, for me to allow people to drive as i desired. 

The person I had with me, was my mother who would be the main driver of the vehicle. I told the sales person it would be like me handing an employee a " key '' for the car as needed. 

Sales person ends up charging me ( the business ) for the the due cost but gives full 100 % physical control to the car, to my employee ( mother ). 

I came back to XXXX when I haven't received any communications about my purchase and they informed me that the sales person, XXXX messed up by not making me ( the business ) the primary and should of been the sole leasee of the car. They don't know what to do next, but as it stands, I have no control or possession of the vehicle even though they charged me and registered the car to me. The only person in the XXXX network, with access to car is my mother. 

I am making lease payments for a car i cant even get into and XXXX just recommends we share her password. The vehicle is CA XXXX registered to me but XXXX says it can not give me access to the car. 

I don't know what to do. This has affected my situation with XXXXXXXX XXXX ( the XXXX bank ) as I've stated to them that I don't have possession of the car they want to charge me for and I would like to square ownership first before payments begin.
Product: Student loan

Since XX/XX/year>, I was notified I was eligible for XXXX loan forgiveness. Ive contacted Moehla numerous times to update this to no avail. I am trying to buy a home and yet nothing is being done to have the forgiveness done and it reflect correctly on my credit report, i stead Moehla is making excuses about they are overwhelmed with the presidents loan forgiveness. I do not care as Im under XXXX and that does not have anything to do with me. It has been more than 7 months.
Product: Debt or credit management

In XX/XX/year> I accidentally booked a hotel room using Zelle and they were unable to help me receive my money back.
Product: Credit reporting

I have been trying to use my VA home loan since XX/XX/XXXX and Experian has been holding me back for months now by not reporting any credit information. The other XXXX credit bureaus are reporting everything I have done for years now. My first call with Experian I get told that my residence which is a XXXX bedroom rental house is labeled as a Stone fabrication ware house and that is most likely why nothing has been reporting. They also have all of my other addresses I have lived at on file so that does n't make sense why nothing has been reported for the past years? They tell me there is a form we can fill out that will " fix '' this problem. Two months have passed since we supposedly filed this form and I still have nothing reporting for Experian and this residence as a ware house label is still on my credit report. I call again and they tell me that it is not their problem and there must be something wrong with all of my credit cards not reporting and to call them. Well, they are reporting to the other XXXX bureaus so what is the problem? XXXX of the XXXX credit cards I have tell me they have been reporting to Experian for years and it is on Experian why nothing has been reported. My other credit card tells me they have an old address on file and that we can update the address which will hopefully start reporting to Experian, and still nothing is reporting. ( the old address is XXXX of my old addresses on file for Experian as well. So I am not sure why it was not reported even if it was my address before? ) Even my credit consultant does not know how to help me and has not seen anything like this before. So I have been waiting for months now for them to report or actually help and it seems like they never will. Its is always someone else 's problem and someone else needs to fix it, but why ca n't they? What can I do to fix this or maybe bypass this to continue my loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I found seven accounts reporting inaccurate information on my credit report. On XXXX XXXX, I wrote and mailed a letter to XXXX, XXXX and Trans Union ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM XXXX XXXX XXXX XXXX. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX Have 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, credit repair services, or other personal consumer reports

Hey the information on transunion you guys have the wrong information I do not live at XXXX XXXX  XXXX XXXX XXXX ny XXXX. If it kindly been removed from my file as that is not my correct address. Transunion said they would remove this and for some reason it is still on my file.
Product: Payday loan, title loan, or personal loan

I am being over charged for this loan I called to make arrangements and the person was rude and said he wouldnt not stop the interest on the loan I am in a financial hardship the interest they are charging me is illegal. I borrowed XXXX and the loan is up to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Equifax. my credit report is not 100 % accurate. I want to clear all the errors that will fix my file.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, an adequately failing consumers of dispute outcomes. These failures align with my experience, we're experian has neither corrected or removed disputed items despite the evidence I have provided. Which has caused and ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian 's inaction violets Federal laws, and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am complaint on the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX XXXX, I discovered that fraudulent accounts had been opened in my name without my knowledge or consent. Upon learning this, I filed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), submitted a police report, and provided Equifax with all required documentation to dispute and remove these unauthorized accounts from my credit report, in accordance with FCRA Section 605B. Despite my diligent efforts and compliance with the necessary procedures, Equifax has failed to take the appropriate actions to block or remove these fraudulent accounts, allowing derogatory marks to remain on my credit file. XXXX XXXX accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained.

Equifax has failed to fulfill its obligations under FCRA Section 605B, which mandates that fraudulent information be blocked within four business days of receiving proper documentation. To date, the fraudulent accounts and derogatory marks remain on my credit report. XXXX XXXX accessed my credit report without my consent or any permissible purpose. I did not initiate any business transaction or credit application that would justify this access. This is a clear violation of the FCRAs permissible purpose requirement. The derogatory marks and fraudulent accounts that Equifax has allowed to remain on my credit report are negatively impacting my financial well-being, causing harm to my credit score, and affecting my ability to obtain new credit or other financial opportunities.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, along with XXXX and Equafax, has neither corrected nor removed disputed items despite the evidence that was provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as all three credit bureaus inactions violate federal law and my rights as a consumer.
Product: Credit card or prepaid card

On Saturday, XXXX XXXX I was a victim of fraud on my Iberia Bank debit card. I had the card with me while I was reporting the fraudulent charges. I immediately contacted the customer service line and reported the three charges ( total {$1100.00} ). It appears that Iberia bank sent me a new card in the mail and somehow the new card was intercepted in the mail. The representative told me that I would get a call from the bank within 48 hours. I never received a call from the bank so I contacted the bank and was told that I would get a call from the Fraud department. On Thursday, XX/XX/2020 I called again and was told that they did not have in their file my report of fraud from Saturday. They claim they only blocked my card on Saturday for any future use but did not have any information about the 3 fraudulent charges. At that time, I reported the 3 charges to the bank representative and I also immediately responded to a Fraud text that I received ( see attached fraud text ). He later sent me a form I had to sign reflecting the disputed charges and said I would hear back from the bank after their investigation. The very next day, I received an email stating that the bank denied my claim for fraud because they claim that my PIN number was used. I have never given my PIN number to anyone. How can they deny the claim without conducting a thorough investigation? I don't understand how they can deny this claim as fraud was definitely committed! I did everything I could to report the fraud immediately and stop my card from further use. I did not make these charges!! Do they know who did? Where are the videotapes of the transactions? What do I need to do to get my funds back in my account? I believe the bank has been unfair and is entirely responsible for this fraud as I never received the new card they sent me and this is the card that was somehow intercepted in the mail. Your assistance in this matter is appreciated.
Product: Debt collection

XX/XX/year> Sent letter requesting validation of any alleged contract or other instrument bearing my signature with the company sent USPS Certified Mail XXXX and signed for by company on XX/XX/year>. No verification of the requested item furnished. XX/XX/year> Sent another letter requesting validation of any alleged contract or other instrument bearing my signature with the company sent USPS Certified Mail XXXX and signed for by company on XX/XX/year>. No verification of the requested item furnished. XX/XX/year> Sent XXXX letter requesting validation of any alleged contract or other instrument bearing my signature with the company showing I have a contractual obligation sent USPS Certified Mail XXXX and signed for by company on XX/XX/year>. No verification of the requested item furnished by MCM.
Product: Credit reporting or other personal consumer reports

Credit report has XXXX XXXX as a name I go by and that's my twin not my name my name is XXXX XXXX
Product: Checking or savings account

I received statements from a bank that I have never done business with, TD Bank. I have never been in a TD Bank, I have never visited their website, and, to my knowledge, I have never accepted a payment from an account that originated at a TD Bank. The statements are in my name and were mailed to my home address. I have attempted to contact TD Bank multiple times but end up sitting on hold for upwards of 30-minutes. I have filed a written complaint and sent it to their Fraud department, however, I have received no response. I do not know how this account was opened. I do not know what personal information was used to open this account or if that information matches my personal information ( i.e., date of birth, SSN ). I believe this to be completely fraudulent.
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 

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