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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called capital one about some fraud charges that were made to my account, in the amount of XXXX XXXX they did there job in issuing a new card and helping me initiate the claim, after 8 days of waiting and waiting I called again to check status of claim, still was in review and capital one said 3 of the 7 charges were already approved, today I get a email that my claim was denied. And the only reason stated was we did not find no errors, when I'm a client and I'm reaching out to report these transactions how is it capital one found no errors, don't make sense. My claim was denied and the theifs took of with almost my whole paycheck, capital one did not even bother to temporary credit my account while they did investigation, and now I get a denial notice. I'm reaching out to the consumer protection department here, to see if they have any way to try to help me get my money back from capital one. Capital one is a big bank and can bear a lost like this me and my family are struggling to meet ends meet, and can not take a bear like this, so please reconsider my claim. When I opened capital one bank my money should have been safe and not stolen from me, banks need to understand the difficulties we are facing and how much these acts are affecting its customers. Thank you and hope to hear from you soon. Or Capital One Bank. 
Transactions amounts and dates : 1. {$190.00} - XXXX XXXX, 2022 2. {$120.00} - XXXX XXXX, 2022 3. {$21.00} - XXXX XXXX, 2022 4. {$45.00} XXXX XXXX, 2022 5. {$67.00} XXXX XXXX, 2022 6. {$19.00} XXXX XXXX, 2022 7. {$10.00} XXXX XXXX, 2022 Total was {$490.00} Claim number is # XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 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 four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Unauthorized inquiries : XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX via dealer on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. List of inaccurate addresses : XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned 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 mentioned accounts, collections, and hard inquiries are the result 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 result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX  XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED XXXX AND MADE A PAYMENT AGREEMENT ON XX/XX/XXXX. I SPOKE WITH A YOUNG LADY BY THE NAME OF XXXX AND SHE STATED THAT BY ME ENTERING INTO AN AGREEMENT THAT COLLECTION WOULD STOP AND THAT NO NEGATIVE INFO WOULD BE REPORTED TO THE CREDIT BUREAU. ON XX/XX/XXXX, THE DAY OF OF MY FIRST PAYMENT, I RECEIVED AN ALERT THAT NEGATIVE INFORMATION WAS ADDED AND IT WAS REPORTED THAT MY ACCOUNT WAS 30 DAYS PLUS LATE. I WAS TOLD THIS WOULD NOT HAPPEN AND IT DID.
Product: Debt collection

Fraudulent security trading, lending and consumer practices. Two investors claiming illegal right to property not entitled
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The security questions used to verify identities at the major credit bureaus are not secure. The default questions at all bureaus are based on credit reports, but identity thieves often have access to them. The solution would be to add extra questions that are not based on credit histories. XXXX  allowed me to do so, but XXXX and Equifax refused. 

Their refusal leaves me vulnerable to identity theft. Even though I have credit freezes in place, identity thieves could lift the freeze by calling the bureaus, answering questions using my credit history, and then asking for my credit freeze to be lifted and replaced. This would assign a new PIN for the freeze, which the representative is willing to read over the phone -- -to anyone impersonating you on the phone. ( Identity thieves have lifted credit freezes on my accounts twice, but I am not sure if this is how they acquired the PINs. )
Product: Credit card or prepaid card

I have a Travel Elite Card with First National Bank of Omaha ( FNBO ) which is serviced through XXXX XXXX. The Travel Elite credit card has a travel benefit that reimburses {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ) for every calendar year. In XX/XX/XXXX I paid for a seat upgrade on a common airline carrier and expected that I would receive a reimbursement for the remaining discretionary airline spending that I still had left in my account. I first called FNBO in mid-XX/XX/XXXX and was told that I would be receiving the reimbursement in two weeks, then I called again in early XX/XX/XXXX and the same thing was said. I finally made a formal complaint on XX/XX/XXXX or XX/XX/XXXX after MANY customer service calls to FNBO and XXXX XXXX. The last customer representative I have been emailing is XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ) and he informed me that I would get the credit " soon ''. The story is the same, after many calls to customer service on both ends I still have not received a dime. It has been almost or about three months since this issue began. I just want to move on and put this issue behind me. I hope I have provided enough information. Thank you very much to the CFPB and your agents for your help and your continued service. Please have a good day!
Product: Credit reporting or other personal consumer reports

I've discovered unauthorized or misleading items XXXX XXXX XXXX Balance - XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX Reference number : XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a human trafficking survivor/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

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

In accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX  XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX.. I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH THEM
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX balance {$650.00}, XXXX balance {$15.00}, XXXX XXXX balance {$640.00}, XXXX balance {$910.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the account and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Account : XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous request, the acccounts i've been disputed still appear late payment in my credit file but the fact is, I am never been late on paying. For that reason, I am asking for your help to correct my payment status or information in my account. It was come to my attention that the 3 credit bureaus have unlawfully disclosed my personal and private information. I demand that they will provide me an updated copy of my credit report immediately. These accounts should be corrected right away : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b  ). I have sent the required documents as described in the aforementioned law, Experian has no evidence to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Experian is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Experian must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX MasterCard Account : XXXX-XXXX-XXXX-XXXX  listed on my Equifax and XXXX  credit report is lost/stolen, and the credit card account dont belong to me.
Product: Money transfer, virtual currency, or money service

At Bank of America address XXXX XXXX XXXX in XXXX XXXX on the date of Friday XX/XX/XXXX between the hours of XXXX and XXXX A Bank of America employee named XXXX fraudulently and prejudicely destroyed a bank of America check issued to me from my employer due to the color of my skin. I handed the teller ( XXXX ) a check and asked if she could cash it and she said yes but I would be charged a flat fee. After I handed her my ID and check through the window she said she needed a moment to verify my check and left the counter. When she came back to the counter my check had a VOID stamp on it and she told me she couldn't cash my check. She then handed me my ID and my Defaced check and told me to cash my check that she Defaced somewhere else. Then I asked her is It because I'm XXXX and she nodded her head as if saying yes. I then asked her why she Defaced my check and she shrugged her shoulders.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ALLOWED 3 COLLECTORS TO PULLED SPY INQUIRIES FROM MY XXXX. SEE ATTACHED.
Product: Debt collection

In the late fall of XXXX, I noticed that my credit rating had dropped. When I reviewed it, the report had two addresses unknown to me and an Indigo credit card from XXXXXXXX XXXX. Both the card and Bank I did not recognize. I reported the card and the two unknown addresses to XXXX and XXXX who removed them from my record. ( The XXXX County Sheriff traced the addresses to two mailboxes in XXXX California ), I really have been paralyzed by all this, not knowing what to do and especially haven't trusted websites or credit card companies I hadn't heard of. 

I tried to talk with the credit card company and they insisted the charges were from me. I explained that I had never heard of them before. I was fearful since their website looked really sketchy and I did not want to reveal any personal information to them over the phone. My conversations with them resolved nothing. 

I had moved to another city for work in XX/XX/XXXX and have tried to dispute these charges, but for some reason XXXX was insisting that they were still mine. I got correspondence from a the Law firm of XXXX and XXXX saying that they represented XXXX XXXX XXXX who had bought the debt of {$1600.00} and that I should pay them immediately. They have statements indicating the charges and two unpaid statements that have my name on them with the unknown addresses. They sent me a form requiring me to enter my personal information and I did not want to fill it out. XX/XX/XXXX, they sent me a letter asking me to pay 70 % of the debt they claimed I owed as a settlement. 

Out of principal, I do not want to pay for something that was taken fraudulently in my name. XXXX and XXXX have now ( XX/XX/XXXX ) served me a notice that they are suing me in Small Claims Court. How do I defend myself? I don't have the resources to hire an attorney that would exceed the cost of the amount they claim I owe.
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 Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received my credit report with wrong birth year of XXXX also wrong addresses added to my report. I contacted experian regarding the wrong info. Disputed it. Then again in XXXX the wrong information appears again on my credit this time showing my year of birth of XXXX with wrong addresses. I found this other credit companies XXXX XXXX selling old & wrong information. I contacted them regarding the matter. They left my social security number attached to files that wasnt mine & addresses i never lived at. Including names I never used. These companies refused to change the information. I had make police reports regarding the matter & issues was never resolved. Now the credit reporting agency cant varifie who i am & I cant even get a credit report sent to me. Idk where its being sent to. There been mixed up on my voters registration, my Department of Motor vehicles files have been addresses got mixed & sent elsewhere. I been left homeless with ongoing calls and emails from unknowns asking for someone else some threatened me, emails that are bogus plus mix-ups on my auto insurance. Banks calling asking for XXXX, tracking me. Social security was making me appointments and mailing them into XXXX to someone else. Money started coming missing & i had to pay back over payments to social security administration. I still cant see my own credit file & dont know what or why things got so mixed up.
Product: Mortgage

Hi We got sold into XXXX subprime mortgage marketing and we got stuck with the mortgage. Our current mortgage got sold into a trust serviced by BSI. I recently lost my job and BSI threaten to foreclose and kick my ( primary ) family out of the house. We asked for loan modification and we got the worst deal ever. Our rate went higher before, the monthly payment more than before and the term of the loan went from 30 to 40 years. Moreover, BSI filed the foreclosure and we are incurring lawyer 's fee. We have requested to work out a forbearance for 3 months until I can land on my feet. BSI refused and want to proceed with the foreclosure. We are desperately in need for help!
Product: Credit reporting, credit repair services, or other personal consumer reports

If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score.

Why?

I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down
Product: Credit card

On XX/XX/year> we purchased an online ticket was purchased for a show in New York on XX/XX/year>. We were in line to attend and the provider cancelled the performance. They informed us that they will resechdule for the next day, but the venue closed and is no longer available. They didn't provide the service that we pay for. We were also promised a gift card for the value of the ticket for the show that didn't happen, but a gift card was never sent to us. 

I disputed the charge with Citi Cards, but they simply reversed the charge for good reason. In their latest they communication ( attached ) they denied the dispute because we did not provide a valid credit slip, but we were never provided one given that the purchase made online. A receipt has been provided to them, however ( also attached ).
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORT ACT 15 USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY .COMENITY BANK SOLD MY INFORMATION TO A THIRD PARTY WITHOUT MY PERMISSION..
Product: Credit reporting or other personal consumer reports

To whom it may concern I am disputing the bal and validity of the debt, the courts dismiss this case as well I was injured and they ( XXXX XXXX  XXXX ) was sued and had to pay damages this is a clear unjust attack on me and my husband credit. The condition was so bad they no longer exist, they have all been torn down.. The company who has the acct is held by National Credit Systems. Original creditor is XXXX XXXX  XXXX XXXX XXXX. XXXX