23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I called Suncoast for the first time on XXXX to report a fraudulent account. I had to call an additional 4 times to finally reserve a fraud investigation form. I filled out and sent back the form on XXXX. On XXXX I reserved a bank statement in the mail. where I saw the account that had been opened had {$4900.00} in it, when I was under the influence the account was closed. I called the bank again, they would not give me any information about the account because I was unable to answer the security question.
Product: Credit card

My American Express Corporate card number was stolen and used to make XXXX purchases for {$430.00} in total without my knowledge in another city. I called American Express and they promptly replaced my card the next day and said they filed a dispute for the charges. However since the charges were not removed, I have since had to call twice only to be told that they would dispute the charges again and that it would take XXXX days. Each time I call, they make me repeat the same information all over again, attempt to be nice, and then tell me not to worry about it, however it 's been almost a month since my card was stolen and the charges are still on there. If I was a personal card holder, I would have already cancelled my account, but since my company chooses to use them for my Corporate charges, I have no choice, but to stick with them and keep fighting.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management continues to harass me multiple times a day over a debt that is not mine. I have told the company multiple times this debt is not mine. Have told them another person in Missouri has my same name. Told them to take it off my credit and off of their call lost. The company in the beginning almost had me tricked into thinking this was my debt. I have verified with my files this is not my debt. Company says I need to have a police report to start the process of removing from their list. Company is a scam and trying to get money by using harassment tactics and they ca n't even send verification of the charges to make up this so called debt owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX OF XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.O.B. - XX/XX/XXXX ( last XXXX of SS # XXXX ) Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Report Confirmation # XXXX XX/XX/XXXX To whom it may concern, In accord withe Fair Credit reporting Act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15USC1681. 15USC1681 section 602A, states I have a right to privacy.

15USC1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my express written consent and or instruction.

15USC1681cS-2 ( A ) ( 1 ) ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 am writing to express my disagreement with the items listed below that still appears on my credit report, despite previous investigation. I kindly requested these items be reinvestigated immediately, as their presence is negatively impacting my credit rating.

According to Federal law, Equifax had a period of XXXX XXXX XXXX XXXX  days to complete reinvestigation. Please note that I also requested a description of the procedure used to determine the accuracy and completeness of the information, which should have been provided within XXXX XXXX XXXX  ) days after the completion of the investigation. 

1. The following account is not mine. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Please correct/update this inaccurate information on my credit report. 

2. The following account is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) Please correct/update this inaccurate information on my credit report. 

Furthermore, please remove all non-account holding inquiries that are over XXXX ( XXXX ) days old. Additionally, kindly add a promotional suppression to my credit file. 

4. Current Address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following XXXX ( XXXX ) addresses aren't mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

My credit report is being furnished with inaccurate information. Under section 605b of the fair credit reporting act I have the right to dispute any inaccuracies found, the information being reported is a result of identity theft as the accounts and unauthorized hard inquiries are not mine and were never initiated by me at any given point. Therefore, I have attached my official statement of the crime filed with the federal trade commission and I am also aware that under 15 USC 1681a2 I have not given permission for these accounts to be furnished on my credit report since they are not mine, therefore such actions being taken by the credit reporting actions are wrong and must be corrected or I will be forced to take legal action.
Product: Credit card or prepaid card

CoVid19 is affecting whole world specific EEUU. Federal reserve already reduce interest to 0-0.25 %. However banks didnot applied those reduction to the already hurt customer. I call several of my credit card company anyone provide a legal or reasonable explanation of these inconvenience. Bank should be able to reduce the interest charge to the cardholder.
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. 

XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX ( Auto ), has violated rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX ( Bank ) 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 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 or other personal consumer reports

Despite repeated attempts to remove 3 inquiries from my credit report that are not legitimately mine I am being told that the inquiries are verified and are not being removed from my credit report. The inquiries are not genuinely mine and I am not being believed in the face of identity theft. I want the matter resolved as it can not happen again as I have a freeze on my reports.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify or delete accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH XXXX  XXXX XXXX. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO XXXX XXXX XXXX AND TO THE EXPERIAN BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

I currently have a personal loan with lending point. I had a late payment on my account which was reported to the credit bureaus. I am currently recovering from XXXX XXXX and in my recovery time I was unable to make the payment. I have proof of my recovery and I have contacted them and got no help. I received a phone call from my other credit cards regarding my payment being almost 30days past due, never did I from lending point.
Product: Money transfer, virtual currency, or money service

I wired via XXXX XXXX euros to Coinbase on the XX/XX/XXXX17 from XXXX All account details were correct. I have now sent Coinbase 4 messages to either have the fund created my coinbase account and more latterly to have them returned to XXXX. I have not recieved a response from Coinbase. Funds are usual created within 3 days - this transaction has now taken 8 days. I would very appreciate your help to have the funds returned to XXXX as soon as possible.
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 confidentially under 15 USC 1681. 



Account Name : 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 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 All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX  XXXX {$0.00}
Product: Credit card or prepaid card

Ivisited capital one website to see their offeres on credit cards they told me to electronically sign to proceed after doing that they told me i was declined. I didnt want to get prequalifiedci just wanted offers they mislead me now my credit score went down 17 points i want it restored
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX, XXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Transunion , specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX XXXX Opened : XX/XX/XXXX Account : XXXXXXXX 2. XXXX Opened : XX/XX/XXXX Account : XXXX 3. XXXX XXXX Opened : XX/XX/XXXX Account : XXXX 4. XXXX Opened : XXXX/XXXX/XXXX  XXXX Account : XXXX 5. XXXX Opened : XX/XX/XXXX Account : XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXXXXXX
Product: Credit card

I am filing this complaint hoping to get a resolution to the problem that I have experienced with Capital One. In XXXX and XXXX I had my identity stolen a woman named XXXX XXXX XXXX. I have documentation that she was charged with identity theft and numerous other charges while she was pretending to be me. Back in XXXX my oldest son dated a girl who was the daughter of XXXX XXXX XXXX all three of them had drug problems of course early on I did not know that next thing you know I was being questioned because there were checks that were written in my name as well as my savings account, as well as my younger sons savings account was drained. I had to have the New Jersey XXXX Police involved needless to say there were some fraudulent activity paying credit cards to Capital One through the deceitfulness of XXXX XXXX XXXX. She even took a position in a company used my name because she had an extensive criminal history. At the end of all of this I have applied for Capital One credit cards numerous times and I keep getting told the same thing no its not because of my credit score nor my credit report it is because they claimed the way I do business is not the way Capital One wants a customer to do business. Which means the fraudulent activity theyre looking at its mine and I did it and I should be held accountable for it well I have proof that it wasnt me. I would like to be contacted by Capital One so I can speak to somebody regarding this and explain it in more detail if they have more questions. I was told to file this complaint to see if we can get it rectified before any other steps are taken not because I wasnt given a credit card but because of the reason behind me not getting the credit card it was never me who did any of the things Capital One is stating I did. I have the complaints/charges that show the identity theft as well as it listing the people responsible. I will provide proof of all that I am stating in the complaint. Including the charges that were filed by the State for my identity being stolen and dates of incidents. This is very hard for me as it stirs up a lot of emotions but I have to because it needs to be rectified.
Product: Credit reporting or other personal consumer reports

TransUnion falsely misleading in investigating the claims Verified information accounts were not done TransUnion inaccurately reporting In violation of fair credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I, swear this information in my sworn statement is truthful to the best of my knowledge and understanding. My affidavit is being sent to you in response to you reporting the accounts above on my credit profile with your consumer reporting agency. Both the claims are disputed as inaccurate reporting and should be immediately deleted from Medical Data Collections Account and the 30 Day late payment from XXXX XXXX XXXX Account. 

Pursuant to 15 USC 1681b The Law clearly states by definition that investigation on a consumer reports according to 15 USC 1681a ( XXXX ) ( c ) ( XXXX ) is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. THE LAW IS CLEAR BELOW, ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Equifax HAS NOT SPECIFICALLY addressed why they continue to respond that they are contacting the reporting agency to investigate when the law states clearly under 15 USC 1681a ( XXXX ) ( c ) ( XXXX ) " such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Equifax HAS NOT ADDRESSED that Under 15 USC 1681b you do not have permissible purpose from me ( the consumer ) under my FCRA rights to furnish either the 30 day late reporting for XXXX XXXX XXXX or the XXXX XXXX XXXX on my consumer report. The Law is clear : Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I want my specific FCRA Rights upheld. 

Equifax offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.