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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit effective immediately. 
I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to correct this data breach. 
Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXXXXXX XXXX  account # XXXX {$99.00} XXXX XXXX XXXX XXXX  account account # XXXX {$520.00} XXXX XXXX XXXX account # XXXX {$870.00} XXXX XXXX XXXX account # XXXX {$4600.00} XXXX XXXX XXXX hard inquiry Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX La. XXXXXXXX XXXX XXXX XXXX XXXX  La. XXXX XXXX XXXX XXXX. XXXX, La. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mailed me Dispute Results of their Reinvestigation on XX/XX/2018, Confirmation # XXXX, showing that the following two former addresses numbered in parentheses as ( 1 ) and ( 2 ) has been deleted from my credit file due to them being MIXED. ( 1 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. ( 2 ) XXXX XXXX XXXX, XXXX, OH XXXX. The two former addresses mentioned and numbered above are still showing on my credit report. I have included with this complaint an uploaded PDF titled equifax dispute results of the Reinvestigation Equifax sent to me by USPS on XX/XX/2018 with Confirmation Number : XXXX, showing as proof that Equifax claimed to have deleted the two addresses even though they are still being reported on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Credit management LP Account # XXXX, XXXX XXXX XXXX Account 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 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 Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Their Investigation took more than ( 30 ) days and I wasn't sent a letter to notice about it until Consumer Financial Protection sent me an email. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/XXXX Dear TransUnion, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. Per Consumer Financial Protection stated you did investigation XX/XX/XXXX please give me information on how you conduct the investigation and what procedures you took to on this matter. After taking with the local police department here in Washington XXXX DC and family, friends, neighbors, etc. They never received any interview or notices about the investigation on this matter. 
Account Name : XXXX XXXX XXXX Account Number : XXXX  Balance : Closed Balance : {$8500.00} reporting Repossession on my credit report for XX/XX/XXXX thru XX/XX/XXXX. No documentation of a balance or notices from TransUnion or XXXX XXXX XXXX 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

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 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

Thanks, XXXX XXXX XXXX XXXX this account immediately, unless you want to be held {$1000.00} per violation, per year with wrong data reporting information. This account has cause me and my family 27 % percent interest on car loan with damages as well. 

CC : XXXX XXXX XXXX Attorney General of Washington , DC 20003 Consumer Financial Protection Bureau XXXX XXXX Attorney for XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SOME FRAUDULENT ACCOUNTS WERE ON MY CREDIT REPORT BUT INQUIRES NEVER GOT REMOVED. XXXX BANK XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA
Product: Credit reporting or other personal consumer reports

Subject : Legal Demand for Monetary Damages Due to Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand monetary compensation for damages caused by your continued failure to remove an inaccurate XXXX XXXX  account from my consumer report, despite multiple dispute requests. This account does not belong to me, and your failure to correct this error constitutes a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). I submitted formal disputes regarding this matter. Despite clear evidence that the XXXX XXXX  account does not belong to me and supporting documentation indicating a potential case of identity theft, you have refused to remove the inaccurate information. This continued reporting of inaccurate information has caused harm to my credit reputation, financial standing, and has resulted in damages. Under the FCRA, you are legally required to maintain accurate information on consumer reports. By failing to do so, you have violated the following provisions : 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) which mandates that inaccurate or unverifiable information be deleted from a consumers file after a reasonable investigation. 15 U.S.C. 1681c-2 which requires the blocking of information related to identity theft once notified. Due to your continued non-compliance, I am now pursuing monetary damages as provided under : 15 U.S.C. 1681n for willful non-compliance, which allows for the recovery of actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorneys fees. 15 U.S.C. 1681o for negligent non-compliance, which allows for recovery of actual damages and attorneys fees. Demand for Relief I demand that you immediately : XXXX. Remove the inaccurate XXXX XXXX  account from my consumer report. XXXX. Pay the following damages : Actual damages incurred due to the inaccurate reporting, including but not limited to the denial of credit, higher interest rates, emotional distress, and damage to my financial reputation. Statutory damages of up to {$1000.00} for willful violations of the FCRA. Punitive damages to deter future violations. Attorneys ' fees and costs associated with this matter. Failure to meet these demands within 15 days of receiving this letter will leave me no option but to initiate a lawsuit to recover the damages owed to me under the FCRA. Please respond in writing to confirm your compliance with these demands and to provide the monetary compensation requested. I prefer that any future communication be made in writing. If you fail to comply with this demand, I will be filing a lawsuit without further notice. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

To whom it may concern, I, XXXX XXXX ; XXXX banked with Wells Fargo in 2019. I was notified by the PENNSYLVANIA DEPARTMENT of TRANSPORTATION that a check for vehicle Tax and Tags was fraudulently sent to them in my name. I purchased a vehicle from XXXX XXXX in XXXX of 2019. I provided XXXX XXXX with a deposit of {$5000.00} for the vehicle which the salesman XXXX explained to me covered the vehicle Tax and Tags. 

XXXX from XXXX XXXX asked me for my banking info on a piece of paper that verifies your information. I never at any time gave XXXX and or XXXX XXXX consent to add my signature and or WELLS FARGO checking and routing number to a cashiers check to submit to the PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. The fraudulent check then bounced because I gave XXXX XXXX all my funds for a deposit. Now the State of Pennsylvania is stating I owe them over {$1000.00} or my license and vehicle registration will be suspended. 


This was done fraudulently without my knowledge and or consent. I would like WELLS FARGO to address the fact that I never was provided and or ordered checks from them. So how is it possible for me to write a check I was advised to take this issue up with Wells Fargo! I tried to do so to no avail.
Product: Bank account or service

U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years.
Product: Mortgage

My loan was transferred to LoanCare from XXXX XXXX on XX/XX/2109. Payments were made to LoanCare using the XXXX account number that was applied to another account with LoanCare that had the same account number of another client at LoanCare for the XXXX and XXXX payments instead of my account. When I contacted LoanCare on XX/XX/19, they corrected their error on XX/XX/19. When LoanCare refunded the overpayments for XXXX and XXXX, the two misapplied payments, they made an error and deducted an additional payment causing the XXXX payment of {$1800.00} to also be deducted from my account. I contacted LoanCare to correct their error on XX/XX/19 and was informed the correction would be made and the {$1800.00} payment would be reversed and applied to my account in 3 to 7 days. As of today, the {$1800.00} payment for XXXX has not been applied to my account. I was informed someone would contact me once the correction was made. It still has not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS FROM TRANSUNION THAT DO NOT BELONG TO ME. THEY ARE XXXX XXXX XXXX, XXXXXXXX XXXX. ACCOUNTS ARE FRAUDULENT PLEASE REMOVE. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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. 


there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : 1. ) Identify Theft ERC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

XXXX. ) Identify Theft XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. On XX/XX/3 at XXXX XXXX I entered a letter in the United States postal system to Experian to freeze and stop reporting fraud and they have refused. The reason for this was that there were multiple companies that refused to allow me to have access to promissory notes that contractually only the buyer ( me ) signed as well as the contracts they were allegedly contractually agreed upon with this companies that continue reporting negative credit reporting, none of them have any contractual agreements with me, and they won't show signature verifications to validate said contracts, everyone is aware that by law the buyer and the seller need to sign the contract or it is null and void based on being fraud. XXXX believes that a business name is a signature but the government is foreclosed from parity with real people. In as much as every Government is an artificial person, an abstraction, and a creature of the mind only a government can interface only with other artificial persons, the imaginary having neither actuality nor substance is forclosed from creating an attaining parity with the tangible, the legal manifestation of this is that no government as well as any law, agency aspect, court, etc., can concern itself with any other than corporate artificial persons in the contracts between them. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX L.Ed. XXXX ; XXXX XXXX. XXXX ( XXXX ) the real Supreme Court of the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 different times inquirys when shopping for auto loans on the same date have been reported individually by all 3 bureaus. So I have 15 new inquirys that should be reported as 2
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove this account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX .... Balance : -
Product: Credit card or prepaid card

Chase bank cut the limits on my credit cards when I had made no late payments and was not at the credit limit. I had not used the cards in several months and was making regular payments to pay them back down. I called Chase to ask why they did this. I spoke with a CSR who called herself " XXXX. '' XXXX asked me where I was using my cards and why I used them so much in the recent past. I didn't see this to be any of the bank 's business ; however, I explained to XXXX that my husband and I had bought a house a year ago and we were using our credit cards to purchase furniture and make some necessary renovations to the home. I was also taking care of my mother, who has XXXX XXXX, and was not able to work full time for a while. She is now in assisted living and I am back at work full time. XXXX wanted to know what my " payment plan '' was to pay the cards down. I tried to explain to her that I was not using them and am making regular payments to pay them down. The balance has been going down over the last several months. I do not feel it was appropriate for this woman to ask me where I was using my credit and why. I understood that the credit was there to be used, and I am being punished for using my credit. Again, no late payments and balance not over the limit. She refused to reinstate my credit limit. This is affecting my credit score and I want me credit limit to be restored, not to use the card, but to get my credit score back where it was until this bank lowered it tremendously.
Product: Debt collection

The alleged debt is reporting as a charge off and still has a balance that's inaccurate reporting. And 15 U.S.C. 1681b States they have to have written authorization and they violated my rights. No permission was authorized. No validation of the alleged debt nor any verified proof of any steps taking to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I received copies of what appear to be front pages of a XXXX  XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX XXXX  per statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX  since XXXX. I Moved to XXXX  in late XX/XX/XXXX staying with a friend in XXXX XXXX  and moving to my own place in XXXX XXXX in which I lived until I moved to XXXX XXXX  XX/XX/XXXX for work and presently live here in XXXX XXXX  as of today. My 1st time visiting XXXX  since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX  for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you PERMANENTLY BLOCK AND DELETE this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XX/XX/year> XXXX XXXX
Product: Debt collection

While checking my credit report, I discovered multiple accounts that appear to have been added without my consent and are incorrect. I request that these fraudulent accounts be swiftly removed and blocked.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, XX/XX/23, and XX/XX/23 XXXX XXXX Acct XXXX : XXXX reported late payments to my report. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not to be included on the consumer report yet this information is being reported to my report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX