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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i sent a letter to Lexis Nexis requesting the method of verification for US BKPT CT FL XXXX XXXX But as of today i have not received a response. this bankruptcy has multiples inaccuracies, the filing addresses is inaccurate, the status is incorrect, the file date is inaccurate, court location is inaccurate. 

THEY CLAIM THEY VERIFIED WITH THE COURT BUT THE IS FALSE INFORMATION, ACCORDING TO THE COURTS THEY DO NOT GIVE OR FURNISH PUBLIC RECORD TO THIRD PARTY VENDORS LIKE LEXIS NEXIS OR THE CREDIT REPORTING AGENCIES BECAUSE THE DOCUMENTS ARE SEALED AND THEY NEED A COURT ORDER TO VIEW THE PUBLIC RECORD
Product: Checking or savings account

in XX/XX/2023 my daughter and I opened a account at Citibank account # XXXX the deposit was a XXXX disbursement check of {$10000.00} from XXXX XXXX from my XXXX account. 

Citibank closed the account stating possible fraud. I made a CFPB complaint # XXXXbecaue I never got my money back and that complaint was closed because the bank said the check was returned ( not deposited/cashed ) HOWEVER XXXX XXXX my XXXX provider shows the check cashed and provided me with a copy of the cashed check. I need my money returned to me and I need them to include my email on all correspondence as it is my check and my account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX on time payments right before my first year mark was coming up XXXX XXXX  closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the inquiry issues with Transunion, I contacted XX/XX/XXXX and XX/XX/XXXX, the customer service representative was of no help either time. I have sent them copies of my FTC reports and am now filling a CFPB report due to this inaccurate information being reported. Below is a listed of the unauthorized inquires on my credit report. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I called in to American Express in XX/XX/XXXX to inquire about my Annual spending on my Delta Reserve card. The purpose was to see how close I was to my annual {$60000.00} required spend to receive an additional XXXX delta MQM 's which would have taken me to the next medallion tier with Delta. I spoke to a US Based representative who informed me that I had met the required spend in XX/XX/XXXX and would receive my MQM 's aprox XX/XX/XXXX and assured me that I didn't need to do anything else. When those MQM 's never came from Delta, I called in again in XX/XX/XXXX to inquire. I was informed at that point that I was previously misinformed and that the card spend was on different AMEX cards ( I changed in Q1 from a business reserve to a personal reserve ) and for that reason I did not qualify BUT since the damage was done and I was led astray by AMEX, they would open an investigation and pull the call logs from my XX/XX/XXXX call. If they could confirm ( which they did ) that I was told what I claimed ( which I was ) that AMEX would without doubt honor their mistake. I was told that would take 3 days and then AMEX would call me back. After 3 days I called again and was told that in fact it could take up to 60 days. When I advised that the time frame was unacceptable they escalated my compliant and I was told I would hear back in 14 days. After 14 days and no call from AMEX, I called and and spoke to US based supervisor XXXX ( # XXXX )  who assured me she would get to the bottom of things and would call me 3 days later on a Monday.. On Wednesday/Thursday I called in again and spoke to US based supervisor XXXX ( # XXXX ) who assured me that I would get a call back from XXXX right away. That never happened and I've since talked to 2 more supervisors who promised they would help and of course I never heard back. Several times I've been assured that AMEX would do the right thing and honor what they told me but no one there seems to care or have an ounce of accountability. I need help please!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Account Number FA** Account Name : XXXX Account XXXX. Creditor Name : XXXXXXXX XXXX XXXX XXXX Date : XXXX. XXXX, XXXX Creditor Name : Ally Financial Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX. XXXX, XXXX Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX. XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( XXXX ) as proof from the XXXX 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

A Utility company in Texas is reporting a nonpayment for service, I live In XXXX, Florida, not in Texas, After I talk to that company XXXX XXXX, the rep ask me to contact the credit bureau to dispute the fraud., after started the process, XXXX outcome is that the account is verified and accurate, now I have on my record an account of charge off already of 2 months that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4200.00} ; US DEPT ED XXXX Balance XXXX {$17000.00} ; US DEPT ED XXXX Balance : {$9400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Product: Checking or savings account

CD  of {$160000.00} matured on XX/XX/XXXX, a Saturday. TIAA said it would be sent via postal service. They said check was sent Monday XX/XX/XXXX. On XX/XX/XXXX I still have not received the check. I called a couple times and both times they blamed the post office. They said it could take up to 14 business days. I find that extremely hard to believe regular mail takes that long to go from NY to MN. I think they are being slow and blaming the Post Office so they can use the float. I mentioned that to them and both times their response was my  money is not in their hands anymore. Until I cash that check they still have use of my money. I still can't believe they both said that to me! If one were to extrapolate how often this goes on at TIAA I would imagine they are making a fair amount of money off the float.
Product: Mortgage

I have for XXXX weeks been trying to get an appointment with the loan relationship XXXX who is stated they received the modification request and POAs and XXXX related to medical issues and they will not provide a time with a relationship XXXX before the foreclosure date. 

Theyve gone up on the mortgage from its original payment price of {$650.00} per month to {$1200.00} per month. Theyve sent assessors out and charged that to the account, on top of the lender insurance. 
We made payments {$550.00} every XXXX weeks with AWD and that still was not enough to pay the mortgage. 

Had to resubmit POA paperwork to talk to them over a month ago ; I get shuffled from XXXX rep to another with different stories despite asking for escalation. Each week I am told theyll have an answer in 5 days on the modification, yet no answer. 

This is a game to them and its ridiculous.
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Debt collection

Mid valley collections bureau aka Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. Mid valley collections bureau has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. Mid valley collections bureau illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to Mid valley collections bureau. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for a refinance of my home loan. The finance company told me that in order to close my loan I had to pay a charge off on a credit card with XXXX XXXX XXXX who is now known as XXXX. I reached out to Equifax to report the error on my file and I made numerous attempts to resolve with XXXX by phone and email. When I send the email I am advised to speak to a representative, when I speak to a representative they tell me that can not research it because I do not have the card number. They can not find anything under my name or SS # on their files relating to a credit card. So I did some research myself and found that the CC that is being reported under my name as an authorized user, is my daughters account. However the card on her credit file with the same opening and closing date of the card is showing paid as agreed and paid in full in 2015. But on my credit report it is showing as a charge off. I have provided XXXX all the supporting documents and they still contend that unless I can provide them the card number they can not help me. I cant provide them a card number because I didn't have a card, she just placed me as an authorized user without my knowledge and consent as an emergency. She paid the account off in 2015 and does not have anything that shows the card number. I always thought that if the lender can not find a record for derogatory information then they were obligated to remove the line. Seeing as they can not find anything under my name or SS # I would think this would be a no brainer. However I am into my 3rd week of dealing with them and am still in the same spot I was in at the beginning, no one is willing to resolve this or prove that I entered into a card agreement with their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 .This 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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring the Equifax information breach that occurred recently, and deemed it necessary to place a freeze on my credit. 
onXX/XX/XXXX, I placed freezes through XXXX, XXXX, and XXXX. Those actions took maybe 30 mins tops for all three combined. I have been attemptingto freeze my credit through Equifax to no avail. I have tried three times via the website ( https : //www.freeze.equifax.comXXXX ) and twice via phone ( XXXX ) with no assistance being provided. This is extremely frustrating as the company is the cause of this disturbance. I am appalled as to why this process is so tedious. I believe that Equifax should freeze all accounts as this breach is on them and their failure to protect the public 's secure information.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I would like trough this mean that XXXX sent i debt to collction i sent all paper work i file a police report all other banks agree that in fact my identity was stolen they send my debt to collection for no reason at all
Product: Credit reporting or other personal consumer reports

XXXX inquires were made on my credit report from XXXX XXXX on XX/XX/year>. Please remove the following inquires as they were not performed by me. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have never opted in to any fee agreement with my bank, Branch Bank & trust. I have opted out of their fee agreement on several occasions, most recently the XXXX of XXXX. The previous times with their customer service dept. over the phone and fees were refunded. They have again illegally charged my personal account {$72.00} in overdraft fees and have refused any refund. These fees are illegal according to the Overdraft Protection Law. This is not first time this has happened. I contacted BBT and they said I was opted in, how convenient for them. I have never nor would I ever opt into a fee agreement. I believe it is BBT that has changed my opt out to suit their needs. My goal is to recover my lost fees and you to investigate BBT for illegal practices. Thank you
Product: Credit reporting or other personal consumer reports

I filed a dispute with the consumer reporting agency disputing inaccurate and incomplete information on my consumer report. The consumer reporting agency responded to the dispute " nothing changed ''. I filed for a re-investigation of the disputed inaccurate and incomplete information. The consumer reporting agency responded to the re-investigation as '' nothing changed ''. It's is a " FACT '' that inaccurate and incomplete information is reporting on my consumer report. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act. The reference accounts are as followed : -XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX & XXXX XXXX account # XXXX These accounts are inaccurately and incompletely reporting on my consumer report. The consumer reporting agency has the duty to report 100 % percent accurate and complete information to the best of the responsibility. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

On or about XX/XX/XXXX, Everbank contacted me multiple times from a blocked or masked phone number to collect a debt, which is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ).