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

XXXX , AC # XXXX, DO : XX/XX/XXXX, Amount {$840.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount:XXXX, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/1994 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX, ), XXXX XXXX under the account number ( XXXX ), XXXXXXXX XXXX  under the account number ( XXXX, ), XXXXXXXX XXXX  under the account number ( XXXX, ). I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complaint filed here had a typo on the hard Inquiry date. The correct date of the disputed inquiry is XX/XX/2018 On XX/XX/2018 I submitted an online dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/2018 Equifax replied with confirmation Number XXXX stating that they had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. 

On XX/XX/2018 Equifax replied with confirmation # XXXX stating that there is no XXXX inquiry on my report and sent me a copy of the report. The report sent by Equifax now shows an inquiry with the name " Utilities '' dated XX/XX/2018 instead of the name " XXXX ''. 

Equifax provided me with the following invalid address : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable. 

Equifax seems to be playing name games here and has not removed the hard inquiry dated XX/XX/18. I demand that the hard inquiry dated XX/XX/2018 be removed immediately.
Product: Credit reporting or other personal consumer reports

Back in XXXX me and a couple of our friends was out in the town when i lost my wallet. I now have a collection on my credit stating i owe money to some apartments i never lived in. I also have proof of the lease where I resided when the fraud happened.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following businesses and accounts violated my rights : XXXX XXXX account number XXXX. 
XXXX XXXX XXXX XXXX  account number XXXX. 
Department of Education account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX # XXXX account number XXXX. 
XXXX  account number XXXX, and XXXX. 
XXXX XXXX XXXX account number XXXX. 

Employment information - XXXX XXXX XXXX XXXX XXXX. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an incident regarding my old checking account with Bank of America, and I kindly request your assistance in resolving this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The incident in question occurred on the aforementioned date, marked by unauthorized activity in my checking account. It came to my attention that my account was compromised after I lost my debit card. Upon further investigation, it was evident that someone had unlawfully accessed my account and attempted fraudulent transactions. 

This incident has been deeply concerning and has had significant repercussions on my financial well-being. Despite my efforts to address the matter with Bank of America, the incident remains unresolved, and the repercussions continue to affect my ability to utilize banking services. 

Moreover, I wish to emphasize that I have been a victim of identity theft, as evidenced by the unauthorized changes made to my account, including the alteration of my email address from XXXX XXXX XXXX 

Given these circumstances, I respectfully request the removal of the checking account fraud incident from my credit/banking early warning system report. This erroneous listing is adversely impacting my financial standing and impeding my ability to access essential banking services. 

I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and fair banking practices. Your assistance in rectifying this matter would be greatly appreciated. 

Thank you for your attention to this request. I am available to provide any additional information or documentation required to facilitate the resolution of this issue. 

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

1. On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XXXX. XXXX, 2020, XXXX XXXX AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
3. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Checking or savings account

I have contacted Citizens bank 3 times between the dates of XX/XX/XXXX and XX/XX/XXXX because I can not access my account via web or their app. Every time I have followed every instruction to reset my credentials and every step the customer care rep gave me and every time THEY have ended up stumped and have had no answer or solution. They keep telling me to try again in a few days. I have tried every way to reset my account online AND with a representative and I still can not access my account unless I go to a branch or ATM. I have MANY hours tied up in this now including long, ultimately pointless phone calls. The last time I called ( Friday XX/XX/XXXX ) I was told someone would contact me within two business days with a resolution. Two business days have come and gone and no phone call. Im DONE.
Product: Credit reporting or other personal consumer reports

I sent in disputes to all 3 bureaus about the inquiries on my credit report in XXXX and earlier this month. Equifax and XXXX did close one account but all inquiries are still there. I asked them to provide proof and if it weren't provided that they kindly remove all of it from my credit report. It is effecting my report drastically and is getting in the way of me being able to get approved for apartments. Under the FCRA law 15 USC 1681i states that you need to show the procedure taken to verify the information verified on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a collection notated on my credit report from XXXX XXXX XXXX   XXXX on behalf of XXXX Hospital. This is an inaccurate collection due to XXXX Hospitals  payment posting to an incorrect account. This collection was immediately disputed with XXXX XXXX and XXXX Hospital was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both XXXX  and Equifax have failed to investigate my dispute which was submitted through XXXX  XXXX.
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DIPSUTED THIS ACCOUNT SERVERAL TIMES. ALSO PROVIDED A SECURITY BREACH FROM THE XXXX XXXX XXXX XXXX. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS. IT IS VIOLATING MY RIGHTS AND HINDERING MY CREDIT BUILDING PROCESS.ALL THE OTHER BUREAUS HAVE REMOVED THESE ACCOUNTS FROM MY CREDIT REPORT EXCEPT TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO GET THIS FRADULENT ACCOUNT REMOVED FOR YEARS. AT ONE TIME IT WAS REMOVED, THEN XXXX AND EXPERIAN PLACED IT BACK ON SO I CONTACTED THE COMPANY AND AFTER THEY INVESTIGATED IT, THEY SENT ME A LETTER EXPLAINING THE ACCOUNT WAS OPENED FRADULENTLY AND IT WOULD TAKE ABOUT 90 DAYS TO REMOVE IT. HOWEVER, I COULD EXPEDITE THE PROCESS BY SENDING THEM THE LETTER AND OTHER INORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me stress, anxiety, loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional stress.

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office.

I have also filed a complaint with the FTC and XXXX.

Removed this off my CREDIT NOW!
Product: Money transfer, virtual currency, or money service

I contacted wave XXXX on XX/XX/2021 XX/XX/2021 XX/XX/2021 & XX/XX/2021 requested refund for {$2500.00} payment that was received on XX/XX/2021. they told me on XX/XX/2021 the payment would be refunded in 65 days and still no refund account is locked so i can not refund or move money out the account at all. there is not a phone number only emails being exchanged. please help me get my funds out of this company account i do not wish to ever do business with them ever again. wave XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMAILS XXXX, XXXX, XXXX. THANK YOU FOR YOUR HELP. ACCOUNT SETUP IN MY BUSINESS NAME XXXX XXXX XXXX XXXX AS RESPONSIBLE PARTY.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for faning to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the inaccurate accounts XXXX XXXX payment from XXXX XXXX
Product: Vehicle loan or lease

I came forth as the Investor in the way of a Consumer Credit Transaction for a Ford Truck on XX/XX/year> I submitted my Principal ( Security As Collateral ) on the application. ALLY BANK Denied an extension of my principal credit which should have never happened. I sent the Tender of Payment out to the CFO of ALLY BANK to be attached with the application that was submitted on XX/XX/year>XXXX  with no response from ALLY BANK or action its now XX/XX/year>XXXX   which Im very unhappy with this service they are providing and mismanagement. This is unfair and Inaccurate I should have never been denied an extension of my Principal Credit. I Have Full Capacity To Contract.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB MANAGEMENT SERVICE i have sent my FTC affidavit it is also attached to this complaint
Product: Student loan

MY ORIGINAL LOANS WERE TAKEN OUT THROUGH XXXX. XXXX XXXX WAS TAKING CARE OF THE LOANS. XXXX XXXX FORWARD THE LOANS OVER TO AES IN WHICH A PAYMENT ARRANGEMENT WAS SET UP AND PAYMENT IS TAKEN OUT OF MY BANK ACCT EACH MONTH. Then I started getting calls from Navient Solutions Inc XXXX XXXX XXXX XXXX PA XXXX XXXX who stated they are now XXXX XXXX and they are taking care of the loans. I tried to explain to them that they forwarded XXXX of my student loans over to XXXX XXXX OHIO XXXX XXXX XXXX XXXX OH XXXX XXXX and they have me on a payment plan since 2013. Navient Solutions Inc is calling me for payment on the same loans they forwarded over to XXXX of OHIO. I tried to explain to them that i am being build by XXXX companies for the same loans. I also inform them that XXXX OF Ohio have Navient Solutions Inc as their client. Navient continue to say they have no way to verify that information and that they do not use and never heard of XXXX of Ohio. 
XXXX of OHIO acct # XXXX NAVIENT acct # XXXX " XXXX ' XXXX ' XXXX ' XXXX ' XXXX ' XXXX
Product: Checking or savings account

On XX/XX/XXXX I called Citi bank for a fraud involving my account. I took a job offer that I received from my college university stating that the job was from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The employer instructed me that I will be receiving checks that are donations and that I will have to send those donations out to orphanages via XXXX. Starting XX/XX/XXXXI started getting checks that are worth {$2500.00} til XX/XX/XXXX, totaling up to XXXX checks each worth {$2500.00} ( {$10000.00} in total ). Citi bank have put in the funds and notified me that they accepted the check in my account, therefore I have sent out the money via XXXX as instructed by my employer of the same amount of {$2500.00}. By the fourth check which was deposited XX/XX/XXXX, I get a notification on XX/XX/XXXX from my bank saying that my checking account is negative and it is due to the fact that the last check of {$2500.00} got voided and I already sent out the money through XXXX as instructed. I gave Citibank a call to file a fraud complaint and they said that the rest of the XXXX checks with a total of $ XXXXfrom before will also be voided once it gets cleared by the bank and will deduct it from my checking account totaling up to {$10000.00} for all XXXX checks. They said they cant file a dispute as it is a mobile check and by law banks have to put the funds in my account when a check is deposited whether or not it will go through once its been cleared. They then transferred me to XXXX department for the XXXX transactions that I was told to send out. They asked me a few questions such as if I authorized the transaction, and I told them that that is what I was instructed to do from my employer. I only got a notification from XX/XX/XXXX that the check was voided when all the money has been sent out to the designated person via XXXX. They said that I do not qualify for a refund and they will send me a letter through mail.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$59.00} XXXX XXXX XXXX XXXX BALANCED {$25000.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter to Experian regarding an account with XXXX XXXX XXXX XXXX ( account number XXXX ) that was reporting inaccurately on my credit report. The report showed the account became 30 days late in XXXX of XXXX and subsequently was late 60 days XX/XX/XXXX, and 90 days late in XX/XX/XXXX. I disputed these dates because XXXX  and XXXX both show the account first became late in XXXX of XXXX. Therefore, Experian was showing the account was late 4 full months after the accurate date it first became late. On XX/XX/XXXX, Experian responded to my dispute saying the account was updated. However, the inaccurate payment history did not change, despite the fact I provided them with ample evidence showing that it was incorrect. I am complaining because I believe Experian did not actually investigate my dispute, Experian is allowing an account to remain on my report that has been illegally re-aged, and is non-compliant with the FCRA. If Experian actually performed their own investigation of the dispute and account, this issue would have been corrected.
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.

BMW Financial Services, Account # XXXX, has violated my rights.

15 USC 1681 section 602 A. 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 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.