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

While attempting to review my free credit reports in XX/XX/2022, I was unable to receive my Equifax report through XXXX ; I received the shown error message. Life ... got in the way, so while I continued checking every few weeks since then, it was always during a time when the call center was closed, and I always received this message. 

I was finally able to call during their hours today, and it was a horrific experience, to say the least. The person on the phone, XXXX, was incredibly rude and condescending. He repeated himself constantly, often interrupting me, that the annual credit report website being broken is not their fault and I must create an account on the Equifax website in order to access my report. 

When I shared that the website functioned just fine for my other two reports but presented the shown error message for only Equifax, I was told that, again, it's their fault, and I need an account. I stated that I was entitled to a report without making an account through their website, and he said there was nothing they could do about it. He recommended I try again later but implied I didn't have the patience to wait ( to which I responded that I've been trying for months ). 

He FINALLY asked me for my information after 15 minutes of this and then stated that no, my account is fine, not locked or anything. I asked him to then escalate the issue to the tech team, since it must not just be me, it must be their whole system. He refused. I stated that if he would not escalate the issue himself, I would like to be connected with someone who did. 

He refused my request to transfer me multiple times. When I finally did get transferred, I let the supervisor, XXXX, know that I would be reporting this issue to the CFPB. She stated that I should do that because they have no control over the problem.
Product: Credit reporting or other personal consumer reports

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( transunion, XXXX, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXXTransUnion InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - XXXX
Product: Prepaid card

Google Wallet closed my account down because of some terms and conditions I abused that I am not aware of. Because of this, I am unable to pay for my storage. If I do n't pay for my storage, I will not longer be able to send or receive emails which is very important. I send and receive emails from the government, the CFPB ( you ), my attorney, court, doctors, family, work, and business. Unfortunately, this is the only way for me to pay for my storage. My email also has important legal documents. I have had this email since 2007. I ca n't even contact the appropriate dept. to discuss this nor can I contact them from my account. They redirect me to the same website. They are also requesting for documentation that I am willing to provide but their website wo n't allow me to do it because of the error and redirection.
Product: Mortgage

AS I UNDERSTAND CFPB & XXXX XXXX HAD AN AGREEMENT THAT CURTAIN CUSTOMERS XXXX WOULD E REFUNDED CHARGES BECAUSE OF DECEPTIVE PRACTICES. LAST FRIDY I LEARNED I WAS DUE A PAYMENT OF {$540.00}. THERE HAS BEEN NOTHING WRITTEN, JUST PRYING INFORNATION FROM XXXX, SO THE FIGURE MAY BE A LITTLE DIFFERENT. BUT IT IS CLOSE. I IMEDIATELY CHECKED MY BANKING RECORDS & could not find the figure. When I CALLED TO REPORT THAT I HAD NOT RECEIVED MY FUNDS I WAS TOLD " SINCE XX/XX/XXXX HAD PASSED I COULD JUMP IN A LAKE AND THERE WAS ABSLOYULY NO RECOURSE!!!!! THE TERM " JUMP IN A LAKE '' WAS NOT USED, THAT WAS THE MESSAGE!! WHAT A CROCK, I NEED PROTECTION FROM THE UNSAVORY??? YOU CAN CALL THEM WHAT IS APPROPRIATE. 

GUESS THAT IS MY CONDINCED VERSION. WHAT OPTIONS DO I HAVE? I WOULD LIKE SOME THAT RESULT IN $ $ $ PAIN TO THIS CROWD!! 
XXXX XXXX XXXX XXXXXXXXXXXX AWAITING YOUR ASSISTANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE DISPUTED THIS FRAUDULENT ACCOUNT LISTED BELOW THE COMPANIES INVOLVED ARE IM VIOLATION OF THE " FAIR CARES ACT " LAW THEY TOOK MORE THAN 4 MONTHS TO RESPOND XXXX XXXX XXXX 25 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$810.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX 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  PAYMENT HISTORY LEGEND Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$810.00} Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Please permanently delete these inquiries from my Law says hard inquiries are for a FIRM OFFER of CREDIT pursuant to FCRA. 
Also 3rd parties furnished information is illegal. Consumer law states 1681 604a2
Product: Checking or savings account

I have been US Bank customer for more than 15 years. They abruptly made my online and mobile app inaccessible. They closed the account without giving me any notice. When I called them to re-establish access to my account, they transferred me to three different departments but did not give me any relevant information. All they said was a letter will be sent with information on the account and a cashier 's check for the remaining balance. I have a sizeable balance and getting a letter and a check in the mail is not the most secure way to handle funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account ( XXXX ) # XXXX, # XXXX, # XXXX, has violated my rights. 
XXXX5 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 a 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 a purpose.
Product: Credit card or prepaid card

US Bank set up automatic payments from my XXXX XXXX XXXX XXXX XXXX account ending in XXXX without my consent. After reviewing my US Bank account online, I realized that three automatic bank drafts ( {$200.00} XX/XX/XXXX, {$190.00} on XX/XX/XXXX, {$190.00} XX/XX/XXXX ) were paid from my credit union account that I didn't authorize. 

Prior to contacting US Bank, I attempted to remove the auto-pay and my bank account online, but there wasn't an option on the payment option. The representative, XXXX, was unable to remove the auto-pay form the account as well, and she couldn't explain the reason that US Bank was accessing my personal bank account without my consent. 

I spoke to a supervisor, who was able to remove the auto-pay, but she couldn't explain why the unauthorized payments occurred. She submitted a request for a refund which may take 7-15 days. This should've never occurred where US Bank is accessing my bank account without permission. XXXX, a supervisor for US Bank, submitted a refund request to the Research Team, which will take approx. 5 days, and additional 17 days to be processed. This time-frame doesn't include mailing the refunds. Therefore, rather than US Bank processing the request for refunds, I have requested my bank to refund the debits based on unauthorized debits.
Product: Mortgage

On XX/XX/2023, I received letter stating that Mr. Cooper filed a motion to foreclosure. I called the mortgage company, and they stated that I was current on all of my payments ; however, the mortgage company file the notice of foreclosure. They have not told me anything about how much I owe nor are they giving me a chance to save my home. In addition, I'm currently in bankruptcy and they are not talking to my attorney. Mr. Cooper is my mortgage company, and they are awful.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

A hard inquiry is on my credit report for XXXX from XXXX XXXX XXXX XXXX I disputed this because I did not apply for anything with XXXX  XXXX, Equifax told me to contact XXXX, I did and talked to a lady in the application dept explained my situation and was told she would correct the situation and contact Equifax. The results from Equifax would not remove the inquiry until I received a statement from Identify Theft fraud FTC, a copy of my driver license, a letter explaining and a copy of my ss card
Product: Vehicle loan or lease

So my pays have not been that good at the end of the year and I am now not working until the second week of XXXX. I have XXXX loans from Bridgecrest. I made XXXX payments each on both loans but apparently not good enough. I get paid on XX/XX/year> i explained I can pay what is past due then, nope not satisfactory. The girl was very rude to me.
Product: Credit reporting or other personal consumer reports

i want to thank everyone for helping remove all of the fraudulent accounts from my report but these accounts came back to my report without any notice or letter or email or a call even thought o contacted them asking for contracts and signatures so i might get to the person that stole my information so in can sue them but instead they violate my rights and broke the law and attack my credit like it doesn't concern me and this is illegal they abused my credit and as of 15 U.S Code 1692g validation of debts and they violated my rights and this is Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose and this is the accounts and the tracking numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for 5 years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. I have once again provided the information regarding the account in question : XXXX  XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$3500.00} XXXX  XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$1700.00} XXXX XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$790.00} INQUIRIES XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for her terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle and my financial institution failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions wasn't feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Product: Debt collection

There is an Debt from Americollect for {$130.00} from XXXX. The Original Creditor was XXXX XXXX of Wisconsin. I never received a written communication about this Bill. Under FDCRA you don't have a right to collect on this Debt. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX  XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified XXXX, XXXX, and Transunion. submitted my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report With FTC and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being not only all XXXX credit reports should match none of them matches or have the same information. U.S. Code 1681a ( 2 ) ( AXi ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. I've noticed that XXXX shows an account balance of {$20000.00}, along with a XXXX XXXX account in the amount of XXXX This information was included in my identity theft report. I strongly urge XXXX, XXXX, and Transunion to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false entries. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}