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

Equifax was responsible for inadequately protecting consumer personal information, and increased my personal vulnerability to fraud as a result of my personal sensitive information being exposed along with millions of others from XX/XX/XXXX thru XX/XX/XXXX of this year..
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

8. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

10. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

11. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

This is a continuation of a complaint against Bank of America. The previous complaint was XXXX. Bank of America refused to assist in recovering the funds that were stolen. Reports have been filed with the FBI XXXX. 

I was the subject of a business e mail scam described in previous documents. 
Bank of America contributed to my loss of {$25000.00} in this scam. At my direction, XXXX wired {$25000.00} to a Bank of America account that was the recipient of the money. 

Bank of America is responsible for this loss and I am seeking reimbursement. Bank of America did not vet the customer and then would not provide information about it. 
To open the account at Bank of America, XXXX law requires documents to prove that the owner of the account can open such an account. Bank of American refused to share this information when the complaint was first filed, and said I would need a subpoena. This has resulted in undue delays and the probability of never recovering the funds. 
Bank of America needs to refund the {$25000.00} loss to me as they caused this loss by not vetting their customer who was obviously a criminal/scammer.
Product: Bank account or service

I have had a checking account at Wells Fargo for many years. I am going to close my account after finding out XXXX things. One, trying like heck to kill off your regulation. Two, the incredible fraud in creating XXXX XXXX fake accounts and firing XXXX low level employees. 
This is unconscionable and I urge you to punish them much more than the {$100.00} XXXX fine. Take away their license to do business!
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 confidentially under 15 USC 1681. 

Account Name and Number XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 USC 1681 section 602 A, 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 an account without my written instructions. 

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through Experian was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning it.
Product: Credit reporting

As per your respond to my complaint for the above mention dispute cas number, Eperian states that the item was deleted from my credit report. However see attachment, the item is still showing up on my credit report dated XXXX/XXXX/16 that i receive from experian.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 168c-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 alleged identity theft, no later than 4 business days after the date of receipt.

You have 30 days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity 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 report under 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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXXXXXX 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 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 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: Mortgage

CFBP  has assisted me with a previous complaint with Nationstar / Mr. Cooper ( file number XXXX. ) That incident was rapidly resolved by CFBP. 

However, Nationstar / Mr. Cooper has, one again. issued 2 new checks that are in my name and my sisters name. 

As the previous problem had been that my sister and I do not share a banking account. Despite the fact that I had fulfilled Nationstar / Mr. Cooper demands that I provide proof of my payments, a letter from my sister that she has no interest in any funds refunded, a letter from my banking institution that they can not accept any deposits for any checks without my sister being on the account and that the problem was not resolved until CFBP stepped in, leads me to the conclusion that Nationstar / Mr. Cooper has no intention of issuing any further checks in mt name only. 

Please contact Nationstar / Mr. Cooper regarding the issue with any fund checks regarding my former account with them. 

Thank you I have attached a copy of the two new checks from Nationstar / Mr. Cooper
Product: Mortgage

Loans are transferred to Select Portfolio Servicing, Inc on XXXX The company wrongly added extra payments for home insurance and real estate taxes without any paperworks or notice before doing so, when those were already paid in full for the year by ourselves and escrow never asked for them. Escrow Account Closure Request form was sent on XXXX  but nothing changed 3 weeks later even after many customer complaints and phone calls to many different customer supports each said they had received the form and it would be done by the end of the week. Have already paid the principle and interest in full but keep getting notification letters of payment shorted of the extra amount we never agreed to pay.
Product: Bank account or service

I have a checking account with Nevada State Bank in XXXX, Nv. I stopped using this account because I thought the bank 's service was very poor. I did not realize that I still had an auto pay for my insurance. By the time I found out that I was overdrawn I had over {$260.00} in fees and there was no payment made to my insurance company. A basic charge for XXXX overdrafts and a daily fee which would have continued had my insurance co. not contacted me. I was never contacted by my bank and was told this was only a courtesy and they did not have to contact me. No call no letter, nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regard to the incorrect item on my credit report it has been well over 30 days ago and I haven't received any investigation results. This account was transferred/sold and I am no longer responsible for the account. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature Does not validate the debt and anybody can send a bill and say it's mine.
Product: Bank account or service

I HIRED A MOVING COMPANY IN MA TO PICK UP AND DELIVER SOME OFFICE FURNITURE IN ME. THEY SENT ME AN AGREEMENT VIA EMAIL TO SEE IF IT LOOKS GOOD I REPLIED YES. THE ESTIMATE WAS FOR OVER XXXX AND I GAVE PERMISSION TO CHARGE ME XXXX FOR THE INITIAL DEPOSIT AND UPON DELIVERY I WOULD GIVE THEM CASH IN HAND FOR THE REMAINING BALANCE. THE MOVING COMPANY WAS ONLY AN HOUR AWAY FROM THE LOCATION OF PICK UP. THEY WERE ONLY THERE FOR 30MIN AND DETERMINED THEY COULD NOT TAKE THE OFFICE CUBICLES APART BECAUSE THEY WERE CUSTOM MADE ONSITE SO THE GIRL CALLED ME AND WE AGREED TO JUST KEEP THE DEPOSIT. LATER THAT DAY I WAS CHARGED XXXX ON MY DEBIT CARD FROM THEM AND I CALLED AND EMAILED THEM AND THEY WOULD NOT REPLY. I FILED A CLAIM WITH BANK OF AMERICA AND 45 DAYS LATER THEY GAVE THE MERCHANT BACK THE MONEY. BOA SENT ME LAST MINUTE SUPPOSEDLY SIGNATURES SIGNED BY ME IN ANOTHER STATE AND TOLD ME BECAUSE IT WAS SIGNED THEY HAD TO PAY THE MERCHANT. I NEVER AUTHORIZED ANYONE IN ANOTHER STATE TO SIGN ON MY BEHALF, THE MOVING COMPANY EVEN ADMITTED THAT THEY HAD IT SIGNED BY SOMEONE ELSE WHICH WAS NOT TRUE. BOA PAYED THEM MORE THAN WHAT THE APPROXIMATELY EST WAS. I NEVER RECEIVED THE MERCHANDISE. I ASK BOA TO LOOK AT MY SIGNATURE CARD IT DOES NOT MATCH AT ALL, THEY PROMISED TO EXPEDITE IT AND THAT THEY WERE NOT GOING TO TAKE ANY MONEY OUT OF MY ACCOUNT BECAUSE IT WAS EXPEDITED AND THE NEXT MORNING THEY STILL DID. I WANT MY MONEY BACK IN THE ACCOUNT AND BECAUSE OF THIS FRUSTRATION I HAD TO GO WITH ANOTHER BANK COMPANY AND TRANSFER EVERYTHING AND ORDER ALL NEW CHECKS FOR MY BUSINESS ETC. I HAVE NEVER MET A BANK THAT DID N'T GO TO BAT FOR THERE CLIENT AND OVER THE PAST 3 YEARS I HAVE PUT XXXX OF DOLLARS THROUGH THERE BANK. IF I DO N'T GET COMPENSATED FOR MY PAIN AND SUFFERING AND GET MY MONEY BACK AND HAVE ACTION TAKEN AGAINST THIS MOVING COMPANY I WILL GO TO THE XXXX XXXX, I WILL FILE A LAWSUIT AND I WILL FILE A COMPLAINT WITH Senator XXXX XXXX. I CAN BE REACHED AT XXXX XXXX XXXX XXXX
Product: Credit card

XXXX posted a {$41.00} late fee XXXXXXXX  posted a {$41.00} late fee I should have a balance of almost {$140.00}.
Product: Credit reporting or other personal consumer reports

I have sum judgement on my credit report thats not supposed show on my credit report if stop me from moving got applying for a house ID Case Number : XXXX ID Case Number : XXXX ID Case Number : XXXX ID Case Number : XXXX ID Case Number : XXXX ID Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX/Equifax/XXXX  : XXXXlated my rights under 15 Usc 1681 section 602 A. States I have the right to privacy. 15 Usc 1681 section 604 A. section 2 Also states a consumer reporting agency can not furnish a account without my written instructions please help me with this matter as soon as possible thank you
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # XXXX
Product: Debt collection

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY ENHANCED RECOVERY Account Number XXXX {$68.00} XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX
Product: Mortgage

I submitted my payment for both my first and second mortgages on their website. Today I took screen shots of my confirmation codes because in XXXX I did the same thing but XXXX payment was never applied and I was charged a late fee. Today after I took the screen shots I checked the pending payments tab and my second mortgage was not showing the payment pending that I had just submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian did send me any information on how they verified the information i disputed. XXXX is not accepted as vitrifaction who did you speak with. the name and email of the person you talk to for the investigation ... .. THERE WAS NOT AN INVESTIGATION MADE ON MY DISPUTE ... .. I WANT TO SEE PROOF I WROTE A LETTER TO THE ACTUAL COURT THEY DO NOT REPORT TO THE CREDIT BUREAU ... Iam GOING TO FILE LEGAL ACTION AGAINST THIS CASE IF MATTER IS NOT RESOLVED
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Equifax reporting an " old '' outdated personal statement. Probably all XXXX are reporting old statements. Please remove all previously reported personal statements from all XXXX credit bureaus. Thank you. 

2 ) Under Closed Accounts and/or revolving credit closed accounts. I enclosed in attached copies of my credit file. Where XXXX XXXX XXXX XXXX . Which filed something called a reaffirmation as part of my XXXX bankruptcy case. For the purpose of this complaint. The loan was never late paid in full. My understanding under the Federal BK laws, it is unlawful for lenders and financial institutions to disclose and report any account information from my Federal Bk Filing. Since CFPB falls under Federal Rules. This is a formal request to please take action against XXXX XXXX XXXX XXXX for ignoring the Federal Law and disregarding all previous request. 

3 ) Equifax ; XXXX and XXXX : Still reporting XXXX, Oklahoma Address. In addition, work addresses from my former spouse as my personal address. To be clear. 
Any investigation will reveal. I have lived at XXXX XXXX XXXX since XXXX. Therefore, all other addresses reported are unconfirmed and/or my former spouses ' work-related addresses. Therefore, please remove random unconfirmed addresses especially, the one reported for over 2 decades from XXXX, Oklahoma. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute with all 3 credit bureaus multiple times each. I have reported to all 3 bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so ignorant they didn't bother to verify anything? Now the burden lies on me and they are so worthless they still aren't verifying anything despite it all being FRAUD. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXXXX/XX/2022
Product: Credit reporting

The information on my credit report is wrong. 
I paid all my accounts, I have submitted letters and documents, over the past year, They have done nothing with this. 

They should be made to take this bad information off of my account, he is hurting my life
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, and Transunion ) consumer report, and I noticed that XXXX XXXX is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt is inaccurate.
Product: Credit card or prepaid card

Hello, After talking about my issue with a group of friends they referred me to this site as a possible way to get clarification and a total answer to a credit card API Inquiry. 

In XXXX of 2017 I contacted Chase about my Chase Sapphire Preferred Credit Card and its APR ( Annual Percentage Rate ). 

I wanted to understand the criteria and process to have my APR evaluated and reduced. I make $ XXXX a year, have never missed a payment, and have other credit open. 
My APR rate with Chase is 23.99 % and on my other credit card 8.90 %. The disparity is large and i just wanted to know how it could be reviewed. 

I first attempted to call the Customer Service and understand the process. The first representative I talked to about general information told me there was nothing they could do to help me apply for a reduction. I asked for them to transfer me to a department that could help me and the only department they could come up with was the department that deals with credit inquires and new account openings. When talking to this group they tole me that they did not deal with APR review or reduction but would put me on hold to contact another department. However when they came back on the line they told me that they talked to the department but had not information that could be disclosed to customers through customer service and they department had not customer service representative. They did tell me that APR rates are reviewed once a year and my account was not reviewed this year. After, They told me the best course of action was to open a ticket on the Chase Secure Messaging. 

I opened the same conversation there and received an email in the secure message center the next day. They the email explained the only factor they could confirm had and effect into my eligibility for an APR reduction was the length of my credit with Chase " among other factors ''. 

Additionally, to add insult to injury, the Chase message have been removed from the Secure Message center without notification. There is a warning that say " We 'll delete any messages in red within 10 days. If you 'd like to save a message, please open and print, or save it to your computer. '' but does not inform you of when messages are changed to " Red '' status. 

best, XXXX XXXX XXXX XXXX XXXX