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

XX/XX/24 - XXXX notification below, I submitted I did not recognize the alert New transaction detected Hi XXXX, A transaction at USAA that required authentication questions ( such as " what was the name of your first pet? '' or " what is the make and model of the car you currently drive? '' ) was attempted or completed. 

XX/XX/24, XX/XX/24 - XXXX notification XXXX XXXX, We detected new activity on XXXX of your financial accounts. 

XX/XX/24 - First discussion with XXXX over the phone regarding the notifications, was sent preventative measures XXXX - XXXX notification XXXX XXXX, We detected new activity on XXXX of your financial accounts. 

XXXX, XXXX - Call with XXXX and USAA : was informed by XXXX that someone updated information on the USAA account on XXXX, Called USAA with XXXX on XXXX. They requested my name and date of birth, and were able to submit to their back office for further review. As per USAA 's recommendation shortly after the conversation, I am submitting a direct dispute following the review of my early warning report.
Product: Checking or savings account

Someone opened two Bank of America accounts in my name, with my social security number and address. Once I found out I called Bank of America three times and requested they investigate and close the account. They will not close the account without investigating. In order to do so, they claim to need a photo copy of my social security card, driver 's license and additional personal information I do not feel comfortable sending them considering their security measures are clearly not very strong. They already have app of my necessary information and confirmed the account was opened online with a fake email address and phone number. I want these fraudulent accounts in my name closed without having to give this bank sensitive material that could further compromise my safety and identity. Each time I have called I receive an apology, but absolutely no help whatsoever.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance regarding an issue with my Experian credit account. Despite following all necessary steps to unfreeze my account online, I am facing a significant problem. 

I successfully initiated the unfreeze process on XX/XX/year> through my dashboard, which confirmed that the account had been unfrozen. However, when a financial service attempted to access my credit report, it was still showing as frozen. More than two hours have passed, and the financial service has confirmed that Experian has not processed the unfreeze request.

I attempted to resolve the matter by contacting Experians customer service, but my experience was unhelpful. The automated system informed me that no assistance could be provided at this time and ended the call. Additionally, when I tried to request a live agent, I was informed that only certain issues qualify for direct support, and my request was not granted. 

According to legal requirements, an online security unfreeze should take no more than one hour to reflect in credit reports. Given that this delay has far exceeded that time frame, I am facing potential financial harm. This situation is causing unnecessary stress and could result in significant financial burdens, which I find unacceptable.

I request immediate action to ensure that my account is fully unfrozen and that I receive confirmation of this. I also seek clarification regarding why this delay has occurred and what measures will be taken to prevent it from happening in the future.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am a victim of the EQUIFAX data breach and have discovered an unhealthy amount of inquiries on my credit profile, all of which i NEVER AUTHORIZED nor INITIATED OR GAVE CONSENT TOO. The inquiries below are fraudulent and must be deleted immediately from all reporting Bureaus : 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

the above account does not belong to me nor did I have any knowledge of the account the account was open in result of identity theft sync/ppc  XX/XX/19 {$5500.00} .ive sent copy of the police report to the creditor
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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

This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. 

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXXXXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. You are now on notice and I am hoping you obey the FCRA so we can avoid any court situations. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

incorrect accounts and inquires on my report that I would like to be remove ACCOUNT 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  ) XX/XX/XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Product: Debt collection

In XX/XX/XXXX I purchased a stove from Conns. In XX/XX/XXXX my wife and I went back to purchase furniture for our living room we were told by XXXX the sales rep that in XX/XX/XXXX we could come back in and purchase a small dollar item and that he would allow us to combine the accounts. On XXXX the XXXX we returned to the store and purchased an item to combine the accounts. I started getting calls saying it had not been combined. I paid another payment to combine the accounts and started getting calls again. I returned the store and talked to the manager on XX/XX/XXXX who told me another mistake had been made and he gave me paperwork that said I did n't have a payment until XX/XX/XXXX. Since then I have been consatantly hararassed by telephone callas at my home, cell, text, and email repeatedly saying I still owe a payment that 's not due. It has gotten to the point where they have even called my wife who is not on the account. It is rediculous trying to talk to them because they want me to have their own store manager call them instead of resolving the issue for the customer. I have faxed them cease and desist calls other than to my home and the documents have been ignored and the calls continue. I feel violated and attacked by this company for something that 's not my fault. On all three occasions they gave me paperwork but continued the harassment.
Product: Debt collection

ARS ( account resolution services ) did not verify what they are stating that I owe all it says is you owe this much to us for services at a company. They would tell me nothing more then that. The refuse to tell me what services I had or how much these services I supposedly had were. No one can tell me why I owe that much or what I owe that much for. But they keep sending me letters that it is valid and I do owe them. They refused to remove it several times. Furthermore they only sent me letters saying it was valid debt after 30+ days from receiving my validation letter. So they should have removed it on this alone. I cant work with them and they give me no information other then paying them they dont offer any information or solutions
Product: Credit card

This is against Synchrony Bank as representatives of Care Credit and JC Penney 's. In XXXX, XXXX, I paid my JC Penney 's account in full ; Synchrony immediately closed the account although it was an account in good standing. They did the same thing as a representative of Care Credit in XXXX, XXXX. Not long after arbitrarily closing the JC Penney 's account, Care Credit through Synchrony Bank issued a credit line of {$1000.00} to me ; they subsequently arbitrarily reduced the line to {$530.00} ( the approximate outstanding balance ) in XXXX, XXXX, although the account is in good standing. These actions serve to negatively affect my credit scores with all 3 credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. These have taken similar actions against accounts in my husband 's and daughter 's names, both of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Product: Debt collection

I had an apartment in XXXX ga in XXXX. I had a XXXX in XX/XX/XXXX and was in a XXXX for several months. My family was taking care of my affairs while I was in a XXXX. My family had worked out a resolution to remove my personal belongings and settle the rest of lease. The lease was closed out in XX/XX/XXXX. My family kept. The paperwork and proof of resolution of lease. Sometime while I was in rehab the leasing company sent me to collections claiming no resolution was ever made.
Product: Debt collection

The original creditor is XXXX XXXX XXXX Now it Americollect the date was XX/XX/2018 1 year and 8 months ago I had no idea it was in collections
Product: Mortgage

Seeking copies of Lender Placed insurance, Period, XXXX
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX, I received well over twenty calls from XXXX, often calling me three times in a single day. The number primarily used " robo-callers, '' but all my research suggests this was a debt collection agency acting on behalf of XXXX card, of which I had recently signed up for a credit card. The calling was essentially nonstop, and it was very frustrating. I sent a certified letter to XXXX explaining the problem. I received a signed confirmation that they received my letter, but I never got an actual response.
Product: Credit reporting or other personal consumer reports

I have been disputing a bankruptcy on my credit report for a about 18 months now. I've contacted the courts and other third party public records company like XXXX XXXX and had this issue resolved. I've contacted Transunion on several occasion about this matter to no avail. Their actions are very harmful to me as a consumer and break several federal laws. As you will see from the documents I provided this item could not be verified as accurate from the furnisher as stated by Transunion 's response letter. No investigation was conducted is this matter my Transunion.
Product: Debt collection

Per XXXX LAWS you must notify me of the auction and time to retain it - XXXX HAS A 10 day law- I never received and since you didnt include I assume you never sent. you included everything besides that Id also like copies of all letters not a text you typed up.
Product: Debt collection

Credit co did not Bill insurance Company XXXX take {$0.00} copay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX sold my information to a debt solutions company. I was contacted by strategic financial solutions and they had my credit report score and details about my finances. This is a violation of my privacy and I never gave them permission to sell my information. Please cease from using my personal information as I feel like this is identity theft. Ask strategic solutions phone number XXXX to Never contact me again. If my information is stolen or used I will file suit.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the bureaus ' delayed response to my request. I have been a victim of identity theft and have been trying to have all fraudulent information, inquiries, and accounts removed from my credit reports. However, the bureaus have not taken any action despite my repeated attempts to contact them. Each time I call, I receive conflicting information and encounter further delays, and as of today, my issue remains unresolved. 

I am requesting assistance with correcting my address, removing fraudulent accounts and inquiries. 

Address Update : This is my only address : XXXX XXXX XXXX, XXXX, MA XXXX. Please remove all other addresses associated with my name. 

Fraudulent Accounts : - XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX. 

Fraudulent Inquiries : XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXXXXXX - XX/XX/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 XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX I have attached my FTC report, ID, and proof of address for your reference XXXX Your prompt attention to this matter is greatly appreciated.
Product: Mortgage

On  XXXX   XXXX ,  2017 , a shortsale packet was sent  to Penny Mac for their review. We followed up every 2-3 days throughout this process. I understand that the file was orig inally set up to review for a short sale, but was declined because the file needed to go through a " waterfall '' process wherein it would be reviewed for other loss mitigation options which the borrower did not qualify for nor did he request. An escalated " waterfall '' review was set up, and around  XXXX   XXXX ,  XXXX   XXXX  called in to confirm his financial information, at the request o f Penny Mac. O n  XXXX   XXXX ,  Penny Mac r equested thei r RMA a nd IRS form  XXXX . We had provided the standard  RMA  and  XXXX  forms, however , Penny Mac informed us that those forms, while standard, needed to be updated with the specific Penny Mac  forms, so we provided those on  XXXX   XXXX . Subsequent follow up  with Penny Mac s howed they received but did not process paperwork sent to them, so we resent the documents again on  XXXX   XXXX , and again on  XXXX   XXXX . We were then told that  XXXX   XXXX  had been declined from the " waterfall '' process and was eligible for a short sale. The next day, we were told that the short sale review could not be completed because  the " waterfall '' review took too long and put us within 37 days of the foreclosure sale date. Because of Penny Mac 's mishandling of the file originally with the wrong review track, and their repeated misplacing of necessary documents, their " waterfall '' review took too long and because of it, they failed and refused to reschedule the foreclosure sale date to allow the short sale review, though they have been asked, twice, in writing,  to postpone the sale.