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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX  XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Product: Checking or savings account

My checking account ending in XXXX was involved in a fraudulant account take-over ( ATO ). The criminal went to a capital one branch on XX/XX/2022 and walked away with {$2000.00} plus {$2400.00} cash. On the same day, I was alerted by another branch that they had my I.D.. I went to a local branch to sort things out as instructed and was told the matter would be investigated and handled with the urgency it requires. I have made multiple calls to the customer protection line ( XXXX ) with " no updates. '' On XXXX XXXX I called again and spoke to XXXX who admitted " everything was not handled properly. '' At that time, XXXX closed the account and a new account number was opened. Today on XX/XX/XXXX, over a month since the fraudulant act, I still am out {$4400.00}. 
XXXX XXXX XXXX. XXXX XXXX # XXXX
Product: Student loan

I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XXXX of 2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and faxed Transunion several times and they refuse to remove inquiries on my report related to idenitity theft. They are infringing on my rights covered under the FCRA. I have reattached my Identity Theft form that I sent to them. As a summary, the following inquiries need to be removed as I gave no permission and my SSN was compromised : - XXXX XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - XXXX XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Please remove these fraud inquiries ASAP. I have asked several times and have provided supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.
Product: Vehicle loan or lease

In XX/XX/2020, the vehicle was stolen. The lending loan company or bank Citizens Bank was notified. After a few weeks the vehicle was located but unfortunately at that time due to work being an hour away from my home I had to purchase another vehicle. Due to the fact I couldnt afford XXXX vehicles I had Citizens pick up the vehicle. The vehicle was worth more than XXXX they sold the vehicle for $ XXXX and request I pay the remainder which is completely inhumane being that this all occurred due to unforeseen circumstances. As a disputed this with credit bureaus showing the police report it didnt correct anything except show that I have been attempting to make payments. But Im really in a hardship and discuss this with citizens but theres no one who can help me.
Product: Debt collection

I am making this complaint in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit maintain accurate information per the Fair Credit Reporting Act. I do not have a contract with this company. I am not responsible for this debt. please validate the debt and provide my signature in which I signed stating obligation to pay said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$870.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Consumer Service Employees accessed my credit report on XX/XX/XXXX and on XX/XX/XXXX. One location in XXXX, GA and the other in XXXX GA. I believe that this is an employee that may have know me from my past that is trying to access my information to find out where I live, These types of access make my credit score go down by 27 points every time and internal employees does this and it is against federal regulation. Equifax is not a business that I do business with, they are a credit reporting agency. When they do this it alerts the other 2 credit bureaus XXXX and XXXX and all 3 scores drop.

I only have 2 active accounts on my credit report. XXXX  XXXX XXXX Credit Card and XXXX XXXX. They both report pay on time. My fico score was XXXX XXXX and by the internal hits they are deliberately making my credit score drop each time by XXXX points. 

There is no other activity on my reports that would drop my score if you review it. I have attached my credit report document as evidence. The other accounts are student loans which are showing o owed due to the loans are not to be paid until XXXX. 

I want the 27 points placed back on my account per every time they did a soft inquiry to access my account. There should be no soft inquiries on my account from a credit bureau
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ny XXXX EQUIFAX XXXX XXXX XXXX, XXXX, GA XXXX INACCURATE INFORMATION To Whom It XXXX Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. XXXX  1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX SSN- XXXX DOB - XX/XX/year> Phone - XXXX Account that need to be removed below XXXX XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

A family member send me XXXX on XX/XX/2021 instant transfer its still now available in my account
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my XXXX my XXXX, my XXXX XXXX XXXX and to my XXXX! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Consumer Financial Protection Bureau To Whom It May Concern : I am writing to complain about Non-Compliance for the following Credit Bureaus ( XXXX, Experian and XXXX ). I have requested my Full Consumer Disclosure File ... They have all failed to comply with FCRA, Section 609 ( a ) ( 1 ) by not providing the date of first delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. I've enclosed all 3 letters sent to the Bureaus requesting my Disclusure File. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX  is the Original Creditor and Original Account # XXXX   that I am concerned about ... I believe that a junk debt buyer of this account has violated FTC and FCRA Laws by re-aging debt. Please see attachment of XXXX XXXX. I sent all 3 Bureaus the processing fee of {$12.00} dollars, so far only XXXX cashed theirs, but XXXX  and Experian has not done so, nor returned to me. I am including a copy of a canceled check cashed by XXXX for the processing fee for my Consumer Disclosure fileXXXX  and Experian has not cash the checks sent for the processing fees so far. I am requesting that the CFPB engages all 3 Bureaus for Violating Consumer Credit Laws and especially FCRA, Section 609 ( a ) ( 1 ). This information is very important to me in defending myself and correcting my CR against a junk debt buyer that is hurting my report by Violating Consumer protection laws.

Kindest Regards
Product: Credit card or prepaid card

Sunday XX/XX/XXXX my XXXX kids received Netspend cards with {$25.00} each as reward for chores. When attempting to activate card was told I needed to provide picture of driver license, social security card, and piece of mail to them. The info was provided reluctantly after questioning why such documents are needed for {$25.00} gift card. The info was submitted and activation was still refused for the 2 cards. We then asked for a refund to my brother in laws account for the cards, which was denied. They offer to send a check to me, after a {$5.00} fee paid to them. This is with 2 separate cards, the same thing happened. 
Card # 's XXXX and XXXX
Product: Debt collection

Midland credit filed a lawsuit against me for debt XXXX XXXX. 
The court date was set and I obtained a lawyer. 
Midland credit voluntarily dismissed the case. The collections was removed off my credit files. 
I just reviewed my credit file and the have put the same two collections back on my credit file. 
This happened this year XXXX. This case was dismissed in XXXX I want the collections removed immediately from all 3 bureaus. This is against the law and they should be brought to justice for trying this. 
I want the collections removed NOW!!!
Product: Credit reporting

the following accounts were disputed over 30 days ago and were not either validated or investigated fully. the receipt of the initial investigations are attached. the following accounts should be deleted from my credit file for non-compliance. 
XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX CRA 611-15 USC 1681 5 ( A ) 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 promptly DELETE that item of of information from the file
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. Wrong Date of Birth : NONE My Date of Birth is : XX/XX/year> 4.Wrong Employers : - Wrong Employers XXXX : XXXX XXXX XXXX Wrong Employers 2 : XXXX XXXX My employers is XXXX XXXX XXXX XXXX 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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 an account without my written instructions
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 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 XXXX XXXX XXXX account number XXXX and XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an another account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened at XXXX XXXX on XX/XX/XXXX using account number XXXX and another account for XXXX XXXXXXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in fraudulent activities appearing on my consumer fico credit report. I demand aforementioned fraudulent items be removed from each of my consumer credit reports related to the said items cease pursuant to my rights within the FCRA and FDCPA laws.collections appearing on my consumer FICO credit report. All of the aforementioned accounts, credit 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, the result of identity theft and fraud I am filing this cfpb complaint and identity theft affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which i know do not recognize after research as reported and which are a result of identity theft and fraud. These accounts have resulted in fraudulent activities appearing on my consumer fico credit report. I demand aforementioned fraudulent items be removed from each of my consumer credit reports related to the said items cease pursuant to my rights within the FCRA and FDCPA laws. Below I will also attach information of mine such as social and more being exposed from XXXX through XXXX from Equifax! Also have had obtained a new social security card back in XXXX as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, and ally financial ran my credit without my knowledge and permission and add an hard inquiry to my account On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account I bought a XXXX car on XX/XX/XXXX. I authorized XXXX consumer to run my credit this day