23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX and Equifax 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 ITEMS TO BE REMOVED XXXX XXXX BALANCED {$0.00} XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

Loanme.com solicited me for a business loan.I sent them bank statements and personal info as well as business info.I asked to borrow XXXX.They came back with an interst rate of 132 %. Not sure that is even legal.I specified that I was looking for a legit offer and not something predatory.I did not want to submit info if it was a waste of time.If I accepted the terms I would have to pay back XXXX.Really? What kind of outfit is doing business here?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I am reaching out with hopes of receiving resolution to matters concerning Southwest Credit Systems with the original creditor being XXXX XXXX. I have been attempting to improve my credit with the assistance of a family member who wrote and mailed a check out to settle my debt. A few weeks back after being denied an auto-draft loan by my bank & being told Southwest debt was a matter that needed to be paid and proof of the settled debt which was on my credit report needed to be provided as support. I reached out by telephone on or about XXXX or XXXX. I inquired about the amount owed and what I saw on my report that needed to be settled & informed them that a family member would be paying the full amount requested. I was asked if the individual could pay by credit card and I said I am thankful to receive and remedy this matter but I would not or could not tell my family in what form of payment to use. I was grateful for the offer. I was provided with a ref # for the matter XXXX and provided with a mailing address of Southwest Credit Systems XXXX XXXX XXXX XXXX, Texas XXXX. My family immediately mailed a check out in the amount of {$520.00}. Southwest was informed of what was mailed out and I was instructed to check back in a week and I also inquired about when I would be receiving a paid off letter. I was asked for my personal not work email and was told my zip code would be my password to access the paid off notice. I have been reaching out requesting and reaching out only to be told the check was not received. It was mailed from XXXX going to XXXX, Texas & not by pony express. I resolved another matter like this around the same timeframe and the payment went to California, was received & processed. I have been asked by my family member to produce a letter stating my debt is {$0.00} and have not been able to do so. I was told to keep checking. I have been seemingly been getting the run around. I've spoken to several individuals to no avail. One name I remember was XXXX XXXX, & now today XXXX I was told by a manager that the account was taken back by the original creditor ( XXXX ), which made no sense at all to me because I contacted XXXX before reaching out to Southwest and was instructed to call Southwest. The manager without any care or concern in her voice was useless!. I know I am spelling that XXXX  name incorrectly but the managers name was XXXX. I can be reached at ( XXXX ) XXXX Thank you in advance for any assistance that you can provide with this matter. I asked what happens to the check my family mailed out that they are alleging they did not receive? Also, what happens to Southwest Credit Systems sitting on my Credit report? Should I retain counsel regarding these concerns? 

Thank you in advance for your assistance with this matter. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX account name XXXX XXXX account number XXXX date opened XX/XX/XXXX {$600.00} balance Account # XXXX XXXX XXXX Account number XXXX {$440.00} balance Account number # XXXX XXXX  Account number XXXX date opened XX/XX/XXXX balance XXXX has ALL 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted my Free Annual Credit Report Request Form by certified mail and returned receipt. In included my valid New York State Drivers License as proof of identity. I requested a Free Annual Credit Report from XXXX. Approximately a month later, I received a form letter dated XX/XX/2022 that the information I submitted online was purged from their database and they were unable to investigate m original request. How could they " purged my online information '' when I originally submitted my request by the written Free Annual Credit Report Request Form?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Experian Dispute Resolution Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Information I am writing to formally dispute inaccurate and outdated information appearing on my credit report. Despite previous disputes, Experian has failed to correct these inaccuracies, which is both a violation of the Fair Credit Reporting Act ( FCRA ) and consistent with systemic issues recently highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian. 

Specifically, the CFPB lawsuit noted that Experian has not fulfilled its legal obligations to investigate and resolve disputes, ensuring credit reports are accurate. I am experiencing similar issues, as detailed below : Correction Requested : Please correct or remove this item.I have attached the following documentation to support my dispute : A copy of my credit report with the inaccurate information highlighted. Copies of supporting documents [ e.g., payment receipts, account closure letters, or correspondence with creditors ]. A copy of my government-issued identification and proof of address for verification purposesI demand that Experian perform a thorough and independent investigation of these disputed items and provide me with a written response within 30 days, as required by the FCRA. If you can not verify the accuracy of the disputed information, I expect that you will promptly remove or correct it.Additionally, if these inaccuracies are not corrected, I am prepared to escalate the matter, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my state attorney general.Please confirm receipt of this dispute and keep me updated on its progress. I look forward to your prompt resolution of this matter.Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

I have been leveraging Xoom ( https : //www.xoom.com ) a XXXX service to transfer money from the US to my XXXX Bank account. The service has been working fine for years but for the last four transactions, Xoom has canceled my transactions inappropriately without proper explanation and has not refunded me the amounts below. 

{$1000.00} {$3200.00} {$6400.00} {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced incorrect information about a bankruptcy that was submitted by someone other than myself, XXXX XXXX XXXX in my name and this information appears on my credit report I have asked all three credit bureaus to remove investigate and I never receive any response nor support. I would like for them to remove this is a deliberate action to stall and stifle my credit rights from with Section 1681 ( a ) ( 5 ) of the FCRA. The companies are XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX LexisNexis Risk Solutions XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account. 


The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report. 

Online collections original creditor ( XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX Online collections original creditor ( XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX original creditor ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 1681b ( a ) ( 2 ) Experian is in violation of this LAW because as provided under FCRA 1681b ( a ) ( 2 ) I did not give instructions to Experian Credit Reporting Agency.

I want ALL ( XXXX  ) accounts to be DELETED from my Experian Credit Report. I gave NO INSTRUCTIONS and they should not be on my credit report without my instructions as stated in FCRA 1681b ( a ) ( 2 ).

I am a FEDERALLY PROTECTED CONSUMER and I did not give any instructions for the ( XXXX ) accounts to appear on my credit report. 
I did not give any INSTRUCTIONS as provided under the LAW 1681b ( a ) ( 2 ). 
DELETE ALL ( XXXX ) accounts listed below. 

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. 

Delete ALL accounts I have listed above for violation of FCRA1681b ( a ) ( 2 ) due to my not giving instructions to your agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of child support information on my credit report under the Fair Credit Reporting Act ( FCRA ) and Title IV of the Social Security Act. Upon reviewing my credit report, I found inaccurate or outdated information regarding child support that negatively impacts my credit profile.

Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure maximum accuracy and fairness in consumer credit reporting. The inclusion of child support information on my report does not meet these standards, as it is not a traditional credit obligation, nor does it pertain to my creditworthiness. Including such information violates my rights under federal law.

Additionally, I am invoking Title IV-D of the Social Security Act, which governs the administration of child support programs. While Title IV-D is designed to ensure child support enforcement, it does not mandate that such obligations be included in a consumer 's credit profile, especially if doing so adversely affects one 's credit standing without a clear basis.

As a consumer, I am entitled to a fair and accurate reflection of my credit history.

Therefore, I am requesting the immediate removal of all references to child support obligations from my credit report, in compliance with federal regulations that mandate accuracy, fairness, and respect for consumer privacy.

Please investigate this matter thoroughly and send me written confirmation of the removal within the legally prescribed 30-day investigation period under the FCRA.

Thank you for your attention to this matter. I look forward to your timely response and a resolution that ensures my rights as a consumer are protected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Disputed Accounts : XXXX XXXX XXXX XXXX I dont believe that the reported late payments are correct. How did you verify the reported late payments on this account? You need to send me proof that you are reporting the late marks correctly. CORRECT ALL LATE PAYMENTS TO OK. 
XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned 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

Pursuant to FCRA 6802 ( a ) A Financial Institution may not directly or through any Affiliate, Disclose to a non Affiliated 3rd Party ANY NON PUBLIC PERSONAL INFORMATION WITHOUT PROVIDING CUSTOMERS OPT OUT NOTICES REQUIREMENTS US DEPARTMENT OF EDUCATION is not affiliated with consumer reporting agencies, therefore they are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit card or prepaid card

My card was used multiple times on XXXX I got a email saying my card had been locked so I called and confirmed them transactions were not me why lock my card if it was me thats how they kno my card was being used multi times for XXXX
Product: Checking or savings account

Wells Fargo Claim # XXXX On XX/XX/22, Wells Fargo Online Fraud Detection Operations Department sent me a letter ( attached ), regarding unusual and authorized activities on my checking account " Restricting Access to my Accounts '' ( attached ) unless I contact them " My voice is my password, please verify me '', how can someone imitate you voice and over pass Wells Fargo Security System? 
I called Wells Fargo to report my cell & ATM Debit Card Stolen. 
Since accounts were compromised Wells Fargo made change account numbers, Usernames & Passwords for my safety and to protect my accounts, also CANCELED my " XXXX '' and " Wire Transfers ''. 
Since then I called almost everyday spending 2-4 hours between customer service and online fraud departments telling me " There's a process they need to follow & accounts are under investigation ''. 
On XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter of temporarily credited my account for {$4000.00} ( attached ) On XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter stating that they have " Completed their Research '' and temporary credit is final ( attached ) On XX/XX/22, Wells Fargo Claims Assistance Center sent me a new letter stating that they need more information " Again '' after they completed their research XX/XX/22 and made it final ( attached ) On the same day XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter stating that will reverse previous credit for {$1300.00} with XXXXXXXX XXXX XXXX XXXX in 10 business days. I didn't make any purchases or let anyone use my account or card ( statement with Merchants and withdrawls attached ). 
" WELLS FARGO HAS WRONG MERCHANTS AND WITHDRAWALS FOR XX/XX/22 CHARGES '' XX/XX/22, called Wells Fargo Claim Assistance Center and spoke to XXXX requesting an explanation and documentation regarding reversed credit for {$1300.00} with wrong Merchants and Withdrawals, they said will look into it and send information within 30-45 days
Product: Credit reporting or other personal consumer reports

I have tried multiple times to contact the student loan servicer for accurate account information and have had no response other than to pay my loan balance. The balance is incorrect. My credit report is showing 4 accounts associated with that servicer. I have only taken out 2 accounts for my actual student loans. This is impacting my credit in a negative manner and has caused a hardship buying a home. Over {$6000.00} has been added without notice or consent or justification. I am aware of the lawsuit filed against Mohela for their incompetence handling student loan money and servicing. It is impossible to speak with someone or get a resolution through the company itself.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian, XXXX and XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following account is fraudulent and need to be removed from my credit report : XXXX XXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXXXXXX XXXX XXXXXXXX, EXPERIAN XXXX CRED, XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. The aforementioned account, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX , XXXX on behalf of XXXX XXXX XXXX ( Hsbc Bank Nevada, N. A.  {$3000.00}. Notice Of Judgement Collection. I contacted an Attorney and Submitting A Letter Of No Responsibility for Debt due to Identity Theft Or Fraud ( HSBC Bank Nevada N.A.  - Acct. # xxxxxxxxxxXXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires are not correct open accounts or pass debts are invalid on my report that are being reported to credit bureaus