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

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have spoken with all three agencies, Experian, XXXX, and XXXX and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : US DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 am a victim of fraudulent information reporting and I am filing this complaint to MERCEDES-BENZ FINANCIAL SERVICES . I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. 
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX HEALTH Date Updated : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed inquiries on my credit report with Experian to remove the unauthorized : XXXX XXXX also known as XXXX XXXX Then on XX/XX/XXXX I submitted a second dispute to remove the same inquiry. As of XX/XX/XXXX I received a response indicating after Experian investigation they found the account to be accurate. 

However, the XXXX  account found to be accurate was my XXXX   mortgage account i had since XXXX NOT the unauthorized inquiry from XXXX on XXXX for a XXXX credit card. 

I specifically ask Experian to investigate the XXXX XXXX. 

As a result of the completely wrong investigation Experian has removed 28 points from my credit score because of there error. 

XXXX XXXX  is for XXXX XXXX XXXXXXXX XXXX is credit CARD Therefore my credit profile has been impacted significantly with the inquiry remaining on my report. 

This left me compelled to write this complaint requesting my score to be adjusted and explain why your results of the wrong item on my report lowered my credit score? 

I am also still waiting for the removal of : XXXX XXXX INQUIRY TO BE REMOVED. 


Also there has been a XXXX alert placed on my report to show that there have been some unusual activity with all credit bureaus so why didnt Experian look in to the unauthorized inquiry?
Product: Credit reporting or other personal consumer reports

Experian, have not removed many accounts on XXXX XXXX that is currently hurting my score. This has affected my credit scores in a negative way and have been paid and/or resolved, I would like them removed immediately. Dated well over 6 years ago. I filed a complaint with Experian, accounts paid or charged/resolved, that should no longer be a potential threat. Experian has yet to update and/or make the changes to my credit report and to properly investigate.
Product: Bank account or service

I had a savings account and debit card with TD Bank in XXXX, NY. Since I am a XXXX student I thought this was a safe way to go.The debit card was linked to the savings account for overdraft protection which I was not really sure of the benefits. In fact it turned out not to be a benefit at all but a means of protecting the bank if information is stolen in which on XXXX XXXX my card with my banking papers was stolen XXXX. Two days later I realized my card and papers were missing and I checked my accounts online. On XXXX/XXXX/15 a fraudulent check of {$1300.00} was deposited into my checking/debit account. Within 2 days {$1600.00} was withdrawn from my checking and savings accounts leaving me with no money and a negative balance due to overdraft fees TD Bank insisted I must pay or collections will start. My Dad paid the remaining balance to keep me from collections and hurting my credit rating. TD Bank instructed us to file a police report XXXX which we did. An investigation by TD was opened and quickly closed stating due to the information the thief acquired no recourse on their part would take place. The fake check was deposited in a TD Bank in XXXX NY. We asked if we could at least see the video and was denied. They close the case and said we would have to go to the XXXX police department to file a report in order to possibly view the video. I feel if I saw the video I might be able to identify the person to press charges but TD Bank was only interested in getting their overdraft charges paid. I am now working XXXX jobs to try to recoup my loss to a hard lesson learned.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00}.
Product: Credit card

I had a XXXX master card. I got this card initially in XXXX and it was serviced by XXXX. XXXX sold their XXXX XXXX master card portfolio to Capital One in the beginning of XXXX ( I think? ), then in XXXX this XXXX portfolio was purchased again by XXXX in XXXX of XXXX. The problem I am encountering is actually submitting the credit dispute with Capital One, because they do n't have my information and when I call the current servicer/owner of the XXXX portfolio, XXXX, they tell me they can not help me because the account was transferred to them in a " closed '' status and because capital one is the one reporting me I have to dispute it with them. They advised me that Capital One did n't send all the information they should have when they obtained the portfolio. They can give me general information, but not any information for me I need. I asked them if they could send me my statements from when Capital One serviced the account because when the card was opened I got statements from capital one electronically which was just an email from them saying, '' hey just log in online. '' Which helps me zero. All of those emails I got wont help because I cant access the links included in them because again the portfolio was sold. 
Honestly this is not fair, because my credit is being impacted and I am trying to prepare to purchase a home. 
I am trying to dispute XXXX, XXXX and XXXX reporting from Capital One for this card. They reported to the bureaus that I was late 30 days for XXXX, and 60 days past due for XXXX and XXXX. This was all caused because of an annual fee. This annual fee of roughly around {$50.00} reopened the XXXX capital one account AFTER it was supposed to closed. 
This was a system error that Capital One eventually took ownership of and they credited back the charge and closed the account. This happened in XXXX but the reporting to the bureaus remained. Which is XXXX item I wanted to dispute. 
I also wanted to dispute the account reporting in XXXX of XXXX. Which on my report shows that it was 90 days delinquent. Again this was NOT correct and is relevant to the above XXXX to XXXX dispute because Capital One sold and transferred the account in XXXX to a collection agency. Whom I paid in full. 
The problem with that is that i have confirmation emails of making payments in XXXX, through XXXX. So how could I be 90 days past due? Why was I ever transferred to a collection agency in XXXX after making monthly payments each month? 
Thankfully I signed up for automatic emails during this time confirming my payments each month but the sheer lack of process from both XXXX and Capital One to get this process finished has honestly been nothing but frustrating. RESPA prevents this from happening in mortgage servicing, but apparently if a credit cards are purchased between banks or financial institutions it does n't matter how the consumer is treated. 
I will attach the payment emails I have received in XXXX for XXXX, XXXX and XXXX. and the credit report I disputed. XXXX was able to remove similar occurrences that happened in XXXX. When XXXX transferred the XXXX XXXX portfolio to Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed a XXXX XXXX XXXX XXXX account on my Equifax credit report. Equifax can back and said " The item was VERIFIED '' on my dispute letter it's states " PROVIDE ME WITH PROOF THAT THIS ITEM IS MINE WRITTEN CONTRACT AND ANY DOCUMENTATION WITH MY SIGNATURE '' .Under the Fair Credit Reporting Act that's my right to received the documents.Equifax Failed to do so they have violated the Fair Credit Reporting Act. HOW CAN YOU VERIFY A ITEM WITH NO WRITTEN CONTACT? HOW ARE EQUIFAX VERIFYING ITEM? WHO VERIFIED THIS ITEM? I want this negative item off my credit report as soon as possible. And remove All non holding account inquiries I have contacted all they companies and they failed to provide me with proof that I authorize inquiries
Product: Debt collection

I keep getting getting a call from this company every day and they never leave a message, and I 'm unable to call them back and find out what they want or who they 're looking for. A message comes up that this number can not be reached. I want these calls stopped.
Product: Mortgage

SELENE FINANCE TOOK OVER MY MORTGAGE FROM XXXX ABOUT XX/XX/2023 AND SINCE THEN I HAVE PROBLEM WITH THEM.SELENE COLLECT ESCREW FOR TAXES AND CLAIM THAT BEEN PAID THE TAXES .BUT THE NOTICES I GET FROM THE VILLAGE FOR THE TAXES SAYS OTHERWISE.I SENT NOTICES I GOT FOR THE VILLAGE TO SELENE FOR VILLAGE TAX THAT BEEN DUE SINCE XX/XX/2023 AND STILL NOT PAID..TODAY I RECEVED A THIRD NOTICES WITH {$270.00} PENALTY AND MARKED ARREARS. 
MY MORTGAGE BALANCE IS UP TO DATE AND BEEN PAYING MY MORTGAGE.SELENE REFUSE TO ANSWER AND FIX THE PROBLEM.PLEASE HELP AS SELENE IS IN VIOLATION. 
THANKS. 
XXXX XXXX
Product: Debt collection

I wrote the debt buyer XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX back on XX/XX/2020. This entity purchased a receiveable from XXXX XXXX XXXX. The bank made a banking error and took a payment out of the wrong bank account that threw my bank accounts in chaos as well as various credit accounts. The bank failed to make me totally whole. In addition, there were some charges made on the account that was not mine, and the bank failed to handle these in the correct fashion. 

I have included here in a copy of the correspondence that I sent to XXXX XXXX that details this transaction. This provides all the pertinent details.
Product: Credit reporting or other personal consumer reports

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or was opened without my permission. XXXX XXXX XXXX Balance : {$3500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt
Product: Checking or savings account

In XX/XX/2024, the CFPB ordered Chime to pay {$3.00} XXXX in penalties and at least {$1.00} XXXX in compensation to consumers. The settlement was the result of Chime failing to refund consumers ' remaining balances in a timely manner after closing their accounts
Product: Debt collection

On XX/XX/2018, XX/XX/2018 and XX/XX/2018 I requested that Transworld please verify the debt they said I owe. I sent letters through certified mail on XXXX separate occasions and they were unable to validate or verify the debt they say I owe. I requested that these items be removed from my credit with XXXX and XXXX and they still have not done so. Please see attached supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting a debt, acct # XXXX on my credit file that is not mine, It looks like it's for a medical debt for a hospital I have NEVER been to. This debt is not mine and it needs to be removed off my credit.
Product: Debt collection

please take a look at my dispute and fix the inaccurate reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! Equifax, XXXX and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with Ally Financial a consumer credit transaction in which a finance charge was involve. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is suppose to include insurance, but Ally Financial made me purchase insurance separately. Also, I sent Ally Financial a cease & desist and they are still calling and harassing me.
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.

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.

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.

Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed. 

THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO XXXX HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO XXXX IS OUTDATED AND DOSENT HAVE THE PROPER INFORMATION
Product: Checking or savings account

Hello my name is XXXX XXXX. 
- XXXX  months ago ( XXXX XXXX XXXX ), {XXXX} was stolen from my XXXX XXXX checking account and there are many fraudulent transactions from different stores and in different cities Im XXXXXXXX XXXX listed on my bank account and Im not sure who did this or why. 
- I am now out {XXXX} in my account and that was my XXXX XXXX XXXX  XXXX - Ive tried to dispute this issue with XXXX XXXX already and they denied my claim multiple times claiming that it was me who made those transactions and I was at home when all of this happened.