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

I had fraud on my bank account with Fifth Third bank. I was given provisional credit and it was taken back months later due to an error on the bank behalf. I have submitted all the required paperwork only to hear I have to wait an additional 14 to 28 days before I can receive my funds back. 

This bank Fifth Third, has taken my ENTIRE paycheck for 2 week in a row, but I have to wait 14 to 28 days for a resolution that was not handle properly by Fifth Third Bank. 

As a consumer, this is not fair. The bank has insurance on their funds, unfortunately I don't have insurance on my funds, but I was under the impression this was a reputable bank. There has to be some sort of law to govern these kind of banking centers.
Product: Credit reporting or other personal consumer reports

There is an unfamiliar account on my credit report, which I suspect is the result of identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX  XXXX. These inquiries were not authorized Please provide me validity of the inquiry. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
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. The XXXX credit bureaus 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 XXXX XXXX XXXX XXXX  : {$530000.00} ; XXXX XXXXXXXX XXXX  : {$260.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX 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.
Product: Vehicle loan or lease

Contacted BMW Financial Services on XX/XX/year> and informed them that I could not make payment due on XX/XX/year> for {$620.00} because my checking account was compromised and bank is currently looking to get issue resolved. 

Requested that payment entire payment due on XX/XX/year> deferred and added to last payment of loan. Representative informed that she could not honor my request because account is not at least XXXX months old. 

The representative did however inform me that I can change the due date. 

Changed the due date to XX/XX/year> and thereafter the monthly payment are due on the XXXX of each month. This is what I agreed to. 

Today, called BMW financial services to verify how many payments were made and the due date each month for payments. 

Representative informed me that pay is past due XXXX days and the monthly payment of {$620.00} was due XX/XX/year>. Moreover, representative informed me today that because the billing was printed that due date of XX/XX/year> could not be changed to XX/XX/year>. 

Requested to speak to supervisor and she informed me the due date change is effective XX/XX/year>. Informed supervisor that I clearly acknowledged the due date effective XX/XX/year>. However, she maintained her position that due date change is effective XX/XX/year> which is incorrect. 

BMW financial Services is doing their best to deceive me, which is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this many times with all three credit bureaus and have has been not resolved. Specifically, the dispute involved XXXX late payment in 2019. I have contacted the company, as that's what the credit bureaus suggested. The company XXXX states that they have reported no late payments. In fact, XXXX originaly made a mistake by charging me a late payment fee, and adding this information to the credit bureaus. Upon me contacting them the first time, they reversed this information and reimbursed me any late fees that they accidentally charged me. 
Recently the credit bureau 's re added this late payment to my credit report, lowering my credit score more than 40 points, this is affecting my personal finances, and the credit bureaus are failing to provide a proper investigation to fix this issue. They state that they have contacted XXXX and dated all and any information. This is a complete lie, as if they contacted XXXX as I have multiple times, they will know that I have never made a late payment. And fix my credit score. I want these credit bureaus to fix my credit score as they keep adding false information such as late payments that are not factual. 
To reiterate, there should be no late payments under the account held with XXXX
Product: Credit reporting or other personal consumer reports

I am reporting the account " XXXX '' account number : XXXX I would like to make it clear this IS MY ACCOUNT. HOWEVER, XXXX has improperly used my credit report with inaccurate dates. Since the beginning of this year XXXX has only reported ONCE. Out of TEN MONTHS, XXXX has reported Charge-Off on XX/XX/year>. THATS IT. I called the number on my credit report " ( XXXX ) XXXX '' and they refused to help me, saying " call XXXX XXXX XXXX '' Which I called, and they too have NO ANSWER for my credit reporting problems. They want me to pay off my debt, but they can't even report it accurately every single month. I asked them to transfer me to a manager so I can ask them why hasn't my account been updated in 5 months? Only to be told " the managers are all busy '' I call back, and they tell me the same thing over again. None of the reps we're from the US, and they refused to help me with my credit report being inaccurate for 5 months, they just tell me " Want to make a payment? Our managers are busy. '' I need this account to be updated so that I can pay off my credit card, and know that it will be updated properly, and reported correctly, otherwise this account needs to be removed from my credit report if they continue to misuse my credit report, because I have a {$480.00} balance that I am ready to pay, but they are not reporting it for months at a time. XXXX has not reported my XXXX & Transunion credit reports for 9 out of 10 months this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
Product: Credit reporting

transd union is reporting XXXX accts in error XXXX XXXX bank do n't belong to me they keep reporting in error as the acct do n't belong to me and blair was the wrong due date and such they have been reporting wrong and so far no one has done a thing to fine blair-comenity bank they should be fined for fraud
Product: Mortgage

I have submitted a workout package to The Source Money the servicer of my mortgage on XXXX/XXXX/15. After 2 months under review they are telling me that they can not do anything for me. I am a XXXX and I XXXX which left me XXXX from doing my job. I used my sick time, vacation time, but I have run out of it. My family is willing to help so I can pay my mortgage at least {$1200.00} per month for the next 3 months. After that I will be going back to work. The representative at the loss mitigation department XXXX XXXX is not helping and he is very aggressive. stating that it is not their problem if I can not make payment. I never planned to get sick while working. It is my full intention to keep paying my home. But I need some help. XXXX XXXX stated that because I have an FHA loan it is very difficult. I just need a break while I am getting better. I submitted them a copy of my doctor 's examinations that I am XXXX, I am recuperating slowly. Please help me. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not removed, On account off of my report for XXXX XXXX Is XXXX. Amount of XXXX XXXX XXXX XXXX dollars ( XXXX ) They also have not reflected The proper critics score. 
In addition, XXXX, XXXX, experian Are not reflecting proper credit age.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX XXXX BALANCED {$890.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$2700.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$800.00} XXXX XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$2900.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My information was stolen in a data breach. And would like for all things to be removed
Product: Money transfer, virtual currency, or money service

Last month of XXXX and XX/XX/2022 I made an investments to XXXX XXXX company of a total of {$9800.00}. This is their website XXXX XXXX XXXX. I used chase bank to XXXX the money. Right now, I want to withdraw my money but the company said that I need to pay a {$9500.00} withdrawal fee in order to process my request. I feel suspicious about these company and worried I got scammed. Please help me with this special matter. But, my concern is they told me to use XXXX to transfer money to them.
Product: Credit card or prepaid card

Re Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX After opening this account -- last spring -- to buy clothing for my XXXX, Texas-based granddaughter, I only received my first bill in late XX/XX/2018. This, the first bill, included a late and an interest charge. 
I have paid the original amount, but not the other charges, which I am disputing with XXXX XXXX, of XXXX, OH. 
I suspect this may not be a solitary occurrence, but, perhaps, an example of a systemic fraudulent practice. Please investigate.
Product: Debt collection

I first tried to contact company and was told to contact other phone numbers, left voicemails and was never contacted back. Im trying to settle this debt because it is affecting my credit, however, i dont seem to get in contact with the person or company that can help me move forward
Product: Credit reporting or other personal consumer reports

To Whom it may concern.. 

XXXX Account number : XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you XXXX  authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report Experian, Transunion and Equifax.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

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

Show me written evidence that XXXX  complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian states that XXXX XXXX XXXX has certified that the information is accurate. I have asked them 4 times to show me proof of this certification as I am entitled to under the Fair Reporting Act 609. I have written them and made this request on XX/XX/21, XX/XX/21 XX/XX/21 and XX/XX/21. To date I have not received anything. I have not done any business with XXXX XXXX or signed any papers agreements with this company. They have no phone number listed and can not be contacted. I have asked them how {$5700.00} was written off and {$8900.00} was past due. That makes no sense to me at all.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach. I have Included proof that I have unauthorized accounts on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account # has violated my rights. 


XXXX Account # XXXX MO US Dept ED Account # XXXX XXXX XXXX XXXX # XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C. 1618 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report on Equifax and noticed that several late payments have been inaccurately posted. These late payments are listed under the following accounts : [ XXXX XXXX ] Account XXXX : [ XXXX ] This company is in clear violation of federal law. Under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports, the law explicitly states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I provide written instructions authorizing you to furnish these late payment entries on my credit report? No such authorization was given. Furthermore, the Fair Credit Reporting Act under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ), which defines exclusions from a consumer report, clearly states : ( 2 ) EXCLUSIONS. The term " consumer report '' does not include : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, these late payments should not appear on my credit report as they violate the FCRAs permissible purpose and exclusion clauses. As a result, your agency is in violation of federal law, specifically 15 U.S.C. 1681b and 15 U.S.C. 1681a
( d ) ( 2 ) ( A ). 
I am formally requesting the immediate deletion of the above-mentioned late payment entries from my credit report. Failure to comply with the FCRA and correct these inaccuracies within the legally mandated time frame will leave me no choice but to pursue further legal action, including seeking damages under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ), both of which can result in financial penalties, punitive damages, and liability for legal fees. 
Please respond within 30 days to confirm the deletion of these late payments, as required by law. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX AUTO - XXXX - XX/XX/XXXX - {$21000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXX CRED - XXXX XXXX XX/XX/XXXX - {$980.00} XXXX CRED - XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX  FIN - XXXX - XX/XX/XXXX - {$1300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DC XX/XX/XXXX XXXX XXXXT XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is being reported as closed on one report but not the other. I only have XXXX XXXX XXXX account. There was fraud on my account so they sent me a new card and closed the other card under the same account. The funds were also refunded and the account was not late. This reflects on the new billing cycle. This is inaccurate. My credit also still shows that XXXX was not removed from XXXX and Experian. As well as the XXXXXXXX XXXX XXXX that should be deleted. This was never my account. I never had a credit card from XXXX XXXX This is also inaccurate and must be removed. The reports that I have attached shows this. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. Attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to place a freeze on a my credit file. The website reports : We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 

... but I have been trying several times. It sounds like they would rather continue to profit from selling my data then by complying with consumer protection laws. 

Sure wish I had a lobby in Washington.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.