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

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : Ability recovery services opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I recently pulled a credit report. Please note that this letter should be used as confirmation that I hereby Opt out and do not wish to resolve disputes through arbitration. 
I repeat that I reject the arbitration clause in the Interactive Service Agreement. 

Please be advised that I also Opt out Pursuant to 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. FAILURE TO DISCLOSE. 

Thank you for responsibility noting my account This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed you have included the below information in my credit profile, due to its damaging effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied credit recently. I am wondering why you are reporting that I was late I am in dispute of the information listed since XX/XX/2022 VIA Telephone and Text Message with XXXX XXXX. XXXX XXXX has taken upon themselves to not verify the alleged debt, I have gotten word that the alleged debt has never been verified by any party. This is the second Cease and Desist that you have failed to comply with. you will forfeit all claims and titles.Pursuant to 15 USC 1641 ( c ) I rescind the transaction and demand refund all monies in account. Cease and Desists all activity and remove from credit file immediately. I will upload an W-9 for tax purposes on the account in questioned.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

On XX/XX/2019 Diversified Consultant reported a negative comment on my credit report of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my credit report. I noticed that TransUnion dropped my credit score by 31 points! I called TransUnion on XXXX XXXX to inquire about this. The representative I spoke with could not give me an explanation as to why TransUnion dropped my score so low. We went through all the information on the credit report together. 

1. I have exceptional payment history 2. Zero collection accounts 3. Only two inquires 4. Zero public records 5. My utilization has consistently decreased from month to month 6. My credit score has consistently increased from month to month 7. My correct address-I told the representative that I wanted an investigation done and an explanation mailed to me. I also disputed the several incorrect address on my credit report. The representative stated that she would remove all incorrect addresses and update my report to reflect my correct address. That has not been done. I have not received any information from TransUnion in regards to my issues. I have worked very hard to maintain great credit, and I have invested in credit monitoring services to make sure my credit is protected and despite my best efforts, it is the credit bureaus themselves that are attacking my credit! I am furious this has happened to me! I was in the process of purchasing the perfect home for my family and this has been a tremendous setback for me. I want an explicit explanation from TransUnion. Line upon line with their justification as to why they have done this. I have also notice that my TransUnion score has not increased at all since XX/XX/XXXX despite positive reports being made to them. 

I will attach copies of my credit reports from TransUnion that will show all of the information I listed in numbers 1-7. I need the help of the CFPB to hold the credit bureau TransUnion accountable for their actions.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX  have not accurately reported payments. Since XXXX, it appears on Equifax as closed when payments have been made consistently. 
This is in direct violation of fair and accurate FCRA reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have a checking account with Santander Bank. For some time now the bank goes into my checking account and takes money out of my account even though I claim that the transaction was not authorized by me. I have requested the bank to return the money to my account. The bank has refused to return the money to my account. This has been going on now for months. Additionally several stores have issued refunds to be credited back to my checking account debit card and they are refusing to credit my checking account. Or the bank is taking a very long time to credit me for the refunds. This is the holidays and I need my refunds credited to my checking account. I have been waiting for the refunds credited to my checking account. Also the almost {$500.00} taken out put back. Santander is refusing to give my money back and to credit my checking account with the refunds. I desperately need your help. This matter is urgent! XXXX XXXX
Product: Debt collection

I have a XXXX bill that is way to much and it 's affecting my credit score never saw a bill that high please help me for it can get my credit score back on track
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Mortgage

On my credit report I have a property that show ( date reported:XX/XX/XXXX under XXXX ). This property was under Bank of America in which I went delinquent with in XX/XX/XXXX. According to XXXX they purchased the property from Bank of America on XX/XX/XXXX. Nationstar comments on my credit report ( Foreclosure ). This XX/XX/XXXX was three year later, when it should have been done with Bank of America around XX/XX/XXXX or XX/XX/XXXX. Now it look like instead of me waiting 7 years to clear my credit it 's going to take 10 years which will be in XX/XX/XXXX. This is not only affection my credit report it is also affecting my daughter 's credit report.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against PayPal for unjustifiably withholding my funds and restricting my ability to withdraw money from my account. My account is in good standing, and there are no disputes, chargebacks, or security concerns that warrant this hold. 

On XX/XX/XXXX, I transferred {$16000.00} from one PayPal account to another PayPal account. PayPal charged a {$490.00} fee, which I immediately refunded thinking I would get the fee returned as well, but did not, resulting in a loss. The funds were finally returned to the original PayPal account on XX/XX/XXXX. On the same day, upon attempting to transfer these funds to the registered and verified bank account, PayPal blocked the transaction citing vague " security concerns '' and instructed me to " let the system cool down. '' Even smaller amounts were denied, contradicting their claim that only high amounts would be flagged. I was told to wait XXXX hours, which I have, and still I can not transfer my funds. 

PayPals lack of transparency and refusal to process legitimate withdrawals without providing clear reasons violate basic consumer rights and potentially their own User Agreement. This situation has caused me significant inconvenience and financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.
Product: Mortgage

Hurt on job XX/XX/XXXX. Fired XX/XX/XXXX ( Performance ) Never been in trouble. 
Collecting workmanship comp. After 7 months of NO PAY. 
Flagstar is the Lender on a VA HOME Loan. 
In the process of rectifying issue. Need to Refinance lower interest rate. Always Way too High. XXXX never explains anything to me. I paid 6 moths of low payments NEVER late!! Bad credit report and they never even gave me options. I have equity in my home. Should I not be aware of my choices? I receive money and pay them whatever they say, Ive never been in such a place. Im a hard working veteran WHO got hurt was fired and having XXXX soon. Can someone help me and explain it all to me? Can I call another lender? Am I allowed to use whomever I want?
Product: Credit card or prepaid card

To whom it may concern : I have been a capital one savor XXXX credit card customer since XX/XX/2022. At the beginning part of my financial journey with capital one, I was employed and utilizing my credit responsibly with on time payments and usage. 
In XXXX, I lost my employment due to ended contract, which left me financially unstable and unable to make sufficient payments. I was in communication with representatives at capital one in attempts to make minimal payments to avoid further negative action ; I was reassured the communication I had would alleviate a consequence of closing of my account. Within XXXX, XXXX, XXXX, and XXXX I was calling XXXX times a month to make payment whenever I could and then around XX/XX/XXXX, I received a letter that my account was closed. The later was dated for XX/XX/2022, and I had just spoken to someone from capital one a couple days prior without any knowledge of potential closing. I understand my account was closed due to returned payments from a closed account ; an account that closed due to my financial issues at that time. I am re opening that checking account and begging for a reopen of this account. 

I spoke with XXXX another representative after finding out the account was closed. I expressed my frustration given the situation and was told to re open another credit card account. I explained to the representative that once you have a closed account, it is not very easy to establish credit again. I proceeded to ask the representative have you ever had a credit card? They responded no. At that time, I realized that the person I was speaking with does not understand the severity of the matter given their lack of experience. I spoke with several representatives from XXXX to XXXX in which there was a form of a language barrier within communication. This is not solely my complaint but it is definitely a part of the reason my issues with payments were not thoroughly documented or communicated appropriately through the Capital one system. 
Therefore, I decided to mail a letter to general correspondence. I attached with this complaint.
Product: Checking or savings account

On XX/XX/XXXX, Suntrust overdrew an account on which I had declined overdraft protection. The overdraft was caused by a hold being removed and then recharged. Suntrust reworked the order in which charges were approved to find a backdoor way of charging me an overdraft fee ; they reapplied 2 charges against my balance so that the charge which took me over was an ACH charge. I believe this is a systematic scam by Suntrust ( on top of the bank being generally deceptive about overdraft protection ) to punish customers who have declined their ridiculous overdraft protection. 
I gave Suntrust three separate opportunities to reverse their fraudulent charge and they have yet to do so. 
Beyond the horrendous customer service standard this incident portrays, I believe Suntrust is actively engaging in fraudulent activities which target low-balance bank accounts as well as customers who refuse their so-called overdraft protection.
Product: Debt collection

Collection agency is in clear violation they has not provided validation information under 12 CFR 1006. 34. 15 but yet they placed a collection on my report Also I have not been given a chance to dispute account according to the law 12 CFR 1006. 34 c 4 l they been violating my rights.They also have not sent me anything verifying it wa s my account its again debt validation they keep violating the laws that are in place They must disclose Initial communication they have not.
Product: Credit reporting or other personal consumer reports

This is my second complaint and whom ever responded was very impertinent. Again i need a copy of the XXXX which means the debt was cancelled according to IRS. 

The company is still send inaccurate information to the credit bureaus and this is a violation under FCRA. 
FYI : The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX currently I saw a lot of pre approvals on credit karma. Credit karma kept sending me pre approval for credit cards, personal loans and refinance for my card. I saw these pre approvals every time I logged in for months. I was told I was pre approved so I thought I was in the perfect place to apply. I got so many offers through credit karma that I started telling my friends and family about vacations and investments that we were going to use these pre approvals for so I finally applied and was denied and I had a ton of inquiries showing up on my report. It caused me so much trouble that I was XXXX XXXX for months. I was having terrible headaches and panic attacks. My reputation was severely damaged. I felt very deceived that I was marketed for months telling me I was pre approved. This was all a lie. Now every time I see preapprovals I immediately close my phone and shut my computer off. I have stopped checking my credit as frequently as I should because of the trouble with credit karma. I am requesting damages from this please
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received my second dispute of inaccurate, unverifiable information reflected on my credit report on XXXX XXXX, XXXX. I have disputed the following accounts : XXXX XXXX XXXX XXXX ), Medical Account # XXXX, Medical Account # XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX, XXXX ). Equifax sent a response dated XX/XX/XXXX ; however, the 30 days to respond ended on XX/XX/XXXX. Additionally, ( see attached envelope ), I received this response on XX/XX/XXXX which is 10 days past what they have dated. Consumer law only gives them 5 additional beyond the 30 day investigation for delivery of response. 

I have provided documentation to Equifax on numerous occasions ( see attached ) to support the fact that the aforementioned companies are blatantly reporting inaccurate, unverifiable information. To prove my point, in my letter dated XX/XX/XXXX to Equifax, I specifically requested that they state what method of verification they utilize. To date, to no avail. Additionally, I provided them with the letter I sent to XXXX XXXX being undeliverable based on the address Equifax was reflecting on my report. How then were they able to verify this information with this company, yet the letter was returned to me undeliverable? Also, Equifax noted in their XX/XX/XXXX response that there was only 1 XXXX account reporting for their bureau ; that is a lie ( see attached credit report that I paid for dated XX/XX/XXXX, five ( 5 ) days after they supposedly sent my response ). Further, I sent Professional Debt a letter seeking verification of the entry they are reporting on my Equifax report ; again NO RESPONSE NOR REPLY FROM THEM. I then followed back up with Equifax providing copies of return receipts and letters sent to them, yet this item has not been removed from my report. 

These account entries all contain inaccuracies as well as lack verification from the company. It 's obvious that Equifax has no regard for consumer law and protecting my rights by ensuring that items reflected on their report are accurate, timely, and verifiable. Lastly, since Equifax did not respond to my request within 30 days, ALL ACCOUNTS I DISPUTED SHOULD BE DELETED FROM MY EQUIFAX REPORT! This bureau is violating my consumer rights with its reporting and continues to do so even after I have provided all supporting documentation.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$22000.00}
Product: Mortgage

For several years, my mortgage was held by Greentree Servicing LLC. When they first acquired my loan from XXXX XXXX XXXX, Greentree informed me that the only way I could pay was by either automatic withdrawal or through XXXX, for which there was a {$12.00} fee per transaction. Not wanting to give them my bank information, I chose XXXX for all of my payments and was charged {$12.00} for each such payment. It is my understanding that as part of Greentree 's 2015 settlement, they were forced to pay restitution to customers who were unlawfully required to incur the XXXX fees. I am therefore writing to see if I may be eligible for that restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a check in the amount of {$2000.00} to settle a charged off debt owed to American Express. On the back it stated " By cashing this check you agree to remove this debt from all credit reporting agencies in XXXX XXXX. This also resolves my entire debt with American Express and XXXX XXXX XXXX XXXX. with this final payment. This is called XXXX and satisfaction agreement. '' The letter explained the complete transaction including file numbers and account numbers. I provided ID, proof of residency and proof of said transaction. 
At this point the account has not been removed or even labeled as disputed. 
I then sent letters of complaint on XX/XX/XXXX to XXXX XXXX XXXX XXXX  stating the same and requested the removal of the account with no response from any of the agencies. I sent these letters return receipt requested so I can confirm they received them. I can provide copies of the receipts if you need them. Thanks in advance for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop XXXX or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies XXXX , XXXX and Experian , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX purchased my mortgage from guarenteed rate on XXXX XXXX the day I paid guarenteed rate. They immediately reported my account delinquent to the credit bureaus instead of waiting the 60 day window for me to sort out where the payment was to make sure I did not double pay. I was told by a truist representative that the late payment report was based on an accounting error by truist : their system says they have owned my mortgage for months longer than they actually have. However no matter how many times I call I can not get to anybody who can actually fix the problem, they just submit support tickets endlessly. This should be a simple dispute since they are supposed to wait 60 days, but the credit bureau dispute I filed was not successful.