23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or consent. Nor did I gain anything from these accounts. I know as an consumer any inaccuracies need to be removed from my Credit Report. I have tried to fix this matter with Experian but they didn't remove these inaccuraices from my report. 

The inquiries are XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of my previous dispute and I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review and help me these items to be removed as soon as possible in my credit file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.
Product: Credit card or prepaid card

On XX/XX/XXXX there was transcations that i did not authorized for a total of XXXX on my unemployment debit card. I called bank of America to file a claim. They did nothing to help me they are saying i authorized the charges. I did not authorized the charges.
Product: Credit card

Allegiant visa signature card received an application for pre-approved credit. The property was taken and I got nothing in return. Bank of America has opened an account ( # XXXX ) in my name without my consent and denied credit, which is identity theft, restraint of trade, Misappropriation of funds and unjust enrichment. Furthermore, banks can't use credit reports based on privacy rights. I demand the bank to discharge credits to the United States Treasury for my redemption. 
Interest and money are due to me. Set off discharge dollar per dollar of application preset in honor and good faith.
Product: Checking or savings account

I got a scam call from an individual that was posing to be my financial institution- Wells Fargo XXXX They were able to hoax their way into accessing my Online Banking and adding their card to my XXXX XXXX. When money was then deposited through the ATM by myself, the cash was added into the wrong account/ fraudulent card .I started a fraud dispute with my bank to let them know of the fraud and unauthorized activity ( Including with pictures of screen shots, phone Log, and the card that was " added '' to my mobile wallet and received those funds. Wells fargo still is denying to provide any relief, or even listen to the complete story. They are NOT looking out for their Consumers, This is why a Bank is FDIC Insured, to assist in protecting and safe guarding funds, not to turn their back.
Product: Credit reporting or other personal consumer reports

Base on my credit report A creditor reported me as deceased meanwhile I am still Alive. The report about being deceased isnt accurate I am not deceased.
Product: Credit card

I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. PNC has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges PNC is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew PNC would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against PNC now using this CFPB service. They still have not done anything. I have not seen any proof that any of those charges were mine ever since they occurred back in 2015. All the charges on the account, I have not even seen statements, hence I do not recognize any of the charges on this account at all. It has been a year and a half almost two years, and I have not seen credits. The policy of the card is such that if the customer does not recognize charges, PNC provides credits, and PNC still has not done so ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of a year and after several phone conversations and letters with Transunion regarding a Bankruptcy showing on my reports have refused to remove and states has been verified by third part XXXX XXXX. Per XXXX5 usc 1681b definitions there is no such things as public record and as a protected consumer I have a right to privacy. XXXX did not call me to ask if said bankruptcy could be posted on my consumer report. Nor did i give permission to steal information from courts to be sold to XXXX. As a invasion to my privacy I am demanding this be deleted from my report just like XXXX has done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint concerning the fraudulent information being reported on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was on XX/XX/XXXX, accompanied by complete attachments of my personal information. I am a victim of identity theft and have duly reported the theft to the FTC. The disputed items have no connection to any transactions I have authorized or benefited from as a result of the identity theft. As per Section 605b of the FCRA, it is the obligation of the Credit Reporting Agencies to remove any accounts and information listed on an ID Theft Report. According to Section 605B ( a ) of the FCRA, the CREDIT REPORTING AGENCIES are mandated to promptly block any information in the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. The items listed below are direct consequences of the identity theft, and thus, I am requesting the Credit Bureaus to adhere to the law and remove them from my Credit File : 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 XX/XX/XXXX. As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law.
Product: Credit reporting or other personal consumer reports

I make use of my mental, physical and emotional faculties that, those hard inquiries made on friday, XXXX XXXX made by : XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX bank XXXX I cordially request that they be withdrawn. I expect them to be removed from my credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, US DEPT . OF EDUCATIO # 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, Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following fraudulent inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ) : Fraudulent Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I want this inquiry removed from my credit report. I sent FTC to this company and they still have not taken this off my report. Under law I ' am now seeking damages as this matter has caused me stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # Case XXXX FTC # Report Number XXXX Attorney General Attachment also included. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 XXXX XXXX is violating 15 U.S.C. Sec. 1681i ( a )? I want this accounts deleted since its not being reported correctly. I called and confirmed with XXXX that this account is being reported open and also has been charged off, which is an illegal violation. I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please reinvestigate and delete off my report, or else I will be seeking {$1000.00} in Monetary compensation per violation.

Once an account is charged-off it should never appear as open. With a charge-off the original creditor is declaring the debt to be uncollectible. It could be that the debt has gone to a collection agency and what you may be seeing is an open account in collection. Collection accounts are reported with an open status, until the debt is paid or the collection agencys authority to seek payment is terminated.
Product: Credit reporting

On XX/XX/XXXX I called Experian about an ongoing issue with my Credit Report for in accurate items that are listed on my credit report. I talked to a representative named XXXX from team edge for XXXX minutes and XXXX seconds. She went on to tell me that the incorrect account status that I 'm viewing is n't the same thing that she is seeing on Experian 's system, which is a charged off account with the bankruptcy notation. I have XXXX accounts that are listed under bankruptcy that are supposed to be deleted after 7 years of the discharged date. These accounts list that they will be removed XX/XX/XXXX. These accounts are still listed as negative items after my discharge. I then asked to speak to a Supervisor and she stated within XXXX seconds that there was n't one available. I then told her that I recorded our conversation and she immediately said that I did n't have a right to do so, but that Experian records all phone calls. I asked for the CEO and she refused to give me that info but gave me a pone number to call. My rights have not been abrogated.
Product: Mortgage

I called BMO on XX/XX/XXXX to request a mortgage payoff amount. BMO told me on the phone the payoff letter would arrive in a couple of weeks and for me not to pay my monthly mortgage as it would change the final amount. I waited for the letter but it never came. On XX/XX/XXXX, I requested a refinance from my bank for an auto loan as I needed a score of 750 or higher to qualify for the low rate, however BMO reported that I missed my XXXX payment and my score dropped nearly 100 points and I was denied for the loan. I wired the payment in the BMO that very day. I called BMO on XX/XX/XXXX to submit a dispute on the matter. They verified my email address and mailing address at that time. I have called BMO three times over the past few months to request a status of the dispute. Each time they told me someone would call me back but I never received a call. I called BMO again on XX/XX/XXXX to request another mortgage payoff letter. I again waited and NEVER received the letter in the two weeks they told me it would take to arrive. Covid came and I decided not to pay off the mortgage and would continue making payments in case I needed the extra money for emergency use. I have paid BMO two additional monthly payments this month proving I have the funds to pay them. Today I talked with a BMO representative and stayed on the line until they sent the letter to my proper email address. After I finally received the denied dispute, BMO simply says in the letter " The XX/XX/XXXX bill was not satisfied until XX/XX/XXXX. The late mark is valid ''. My aim is to get the late payment mark removed to restore my good credit rating. I feel I have done nothing wrong and BMO has denied my dispute without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter to XXXX XXXX XXXX XXXX agency to inform them that I am not aware of an account with them when I noticed they were reporting on my credit report. 
Account was then sold to XXXX XXXX  in XX/XX/XXXX in which XXXX XXXX  claimed I owed them money as well. I explained to XXXX XXXX  that I did not have an account with XXXX  but XXXX also started reporting on my credit report. XXXX XXXX  is currently on my credit report twice with two separate account numbers for the same supposed original creditor ( in which I explained to them, that I have no knowledge of the original creditor ). 
As of today, XX/XX/XXXX, I have been contacted by XXXX XXXX services that they are now in receipt of the account from XXXX XXXX, in which again I do not acknowledge having received any credit from XXXX XXXX.
Product: Checking or savings account

On XX/XX/year>, I deposited a {$200000.00} cashiers check to my joint account at Navy Federal Credit Union. The check was issued by XXXX XXXX XXXX XXXX and taken from my money market account at XXXX XXXX. This check cleared my account at XXXX XXXX on XX/XX/year>. At the time of deposit I was told by the Navy Federal teller that the funds would be available the next day. The check was placed on a 3 to 5 day hold instead. As of this date my funds at Navy Federal are still on hold. I have made several visits to my local Navy Federal in an attempt to clear this up. I have also made several phone calls Navy Federal member services, their fraud and security departments. Navy Federal requested a Hold Harmless letter from XXXX XXXX to release the funds. A Hold Harmless was prepared and faxed to Navy Federal on XX/XX/year>. I Delivered a copy to the Navy Federal branch on the same day. Since XX/XX/year> Navy Federal has received by email, fax and personal delivery at least 4 Hold Harmless letters. Every time I called Navy Federal for status I'm told it's being worked and it would 3 to 5 days. There is no reason for this to drag out this long. On a positive note the employees i spoke with were very professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I contacted all 3 credit reporting agencies and made them aware that I am a victim of Identity Theft and provided them with a copy of my police report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605 ( b ), by blocking the information that I have detailed to them that was fraudulent on my credit file. All 3 credit reporting agencies ultimately blocked the fraudulent information, until recently. In XX/XX/XXXX, I learned that 3 of the fraudulent accounts ( all XXXX XXXX XXXX XXXX accounts ) that were previously deleted from my credit file, had been reinserted by Equifax. I have made several attempts to resolve this issue directly with Equifax. Each time I call, I am transferred to many different departments and representatives before I am finally connected with their Office of Consumer Affairs and I get nowhere from there either. I have spent countless hours on the phone with Equifax over the past month trying to resolve this issue, to no avail. Equifax has stated that they do not have to comply with the FCRA and that they will treat the Identity Theft as an average dispute and contact the creditor in that respect on my behalf. Any attempt to try to access the dispute status online or to view a copy of my current credit file online, are quickly rejected by their system. When asked why I am unable to access my file online, Equifax informed me that since I have been a victim of Identity Theft, all online access to my credit file has been removed and that I may only discuss my file with Equifaxs Office of Consumer Affairs. This denial of access to my credit file leaves me vulnerable as I am unable to monitor my file for any potential suspicious activity. The representatives that I have spoken to in Equifaxs Office of Consumer Affairs are very rude and condescending and during my latest follow-up call, when I informed the representative that I had received a letter from Equifax informing me that my personal information had indeed been accessed during their XX/XX/XXXX data breach, and suggested that this Identity Theft is likely a direct result of that data breach, the representative literally hung up on me. Additionally, Equifax is also in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), requiring them to notify me of the reinsertion in writing within 5 business days. I have received no such notice. Equifax is deliberately refusing to comply with the laws that govern them and should be held accountable. I have simply asked that they comply with the law and block certain fraudulent information from my credit file after having provided all of the required documentation, but they refuse to do so. This is unethical behavior that they are displaying and I hope that they will not be allowed to continue to operate in this way.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some fraudulent accounts on it along with hard inquiries ( XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX ) Pleas remove these fraudulent accounts and hard inquiries from my credit report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

WayPoint Resource Group put a collection on my credit report on XX/XX/XXXX for {$120.00} due to XXXX. I never received internet services from XXXX as I was outside of there grid and cancelled the account within 5 days on XX/XX/XXXX. I have a letter from XXXX admitting fault that they should have never submitted my account to WayPoint Resource Group collection agency. XXXX and XXXX   have deleted the collection off of my credit report. However, I have disputed with XXXX 3 times and it won't get deleted. WayPoint keeps telling me they have notify all 3 credit bureaus on XX/XX/XXXX. XXXX  keeps telling me Waypoint tells them the account belongs to me. The 2nd dispute with XXXX  they updated the balance to XXXX showing paid on XX/XX/XXXX. I never paid anything off. XXXX or Waypoint is not helping me out. It shouldn't be this complicated to remove this off of my report since it was an ERROR. I am trying to apply for a loan this is making it difficult for me financially due to my FICO score.
Product: Debt collection

After looking at my credit report I saw this company, IQ Data had reported a collection account on my file. Knowing each company is to be bonded, I searched the Texas Secretary of State 's website and saw that their bond expired about 2 years ago. I wrote to them stating they are not operating their business legally and to cease collection as well as remove the item from my report. Despite me pointing this out to them they responded with a bill and has still yet to get a bond to try and collect the alleged debt.
Product: Student loan

Alum Financial scams people with student loans by representing they provide services that will result in either loan forgiveness or forbearance. I have a loan with XXXX that was suspended during the Covid pandemic. Somehow Alum Financial started charging me a monthly without my knowledge. The company either fraudulently obtained my loan information or misrepresented who they were. In no case did I hire them knowing who they were or what they did. The company was the subject of federal class action suit for these practices. I plan to participate in the class action suit or undertake a small claims court case here in Oregon. The company scammed me out of {$1300.00} over a 9 month period. All one has to do is XXXX their name to find numerous complaints similar to mine. I found no one who believed this company acted in good faith. My XXXX is in XXXX XXXX and I can attest to the fact that this company exists for the sole purpose of preying on students with loans they either can't afford to pay or simply want financial relief. In my case the company did not pay XXXX cent toward my loan and did absolutely nothing to earn the money they extracted from me. - XXXX XXXX XXXX, XXXX XXXXXXXX