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

This summary addresses the issue of inaccurate reporting on my credit profile, which has resulted in the unauthorized use of my Social Security Number ( SSN ) by someone else. I am seeking resolution and assistance from the Consumer Financial Protection Bureau ( CFPB ) to rectify the situation.I have discovered inaccuracies in my credit profile, specifically related to the unauthorized use of my SSN. These inaccuracies have led to fraudulent activities, with someone else falsely assuming my identity and utilizing my SSN for financial transactions and credit applications. As a result, I have experienced significant financial harm and potential damage to my creditworthiness.I have taken initial steps to address the issue by contacting relevant credit bureaus and reporting the fraudulent activity. However, the situation remains unresolved, and I now seek the CFPB 's intervention to ensure a thorough investigation and resolution of the matter. XXXX, XXXX, Transunion both received letters from me dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each credit bureaus have failed to provide proper validation for the alleged accounts : eastern account systems ( reporting on Transunion ) and XXXX XXXX  ( reporting on all XXXX bureaus ) None of the credit bureaus have provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. I have requested that all information that could not be properly validated be deleted immediately and my requests have been ignored. Based on FCRA 611 ( a ) ( 2 ) ( B ), Each bureau is required to forward all relevant information provided by the creditor for their investigation of my dispute. All each bureau has done is merely update the account date and imputed my name with the alleged debt. This blatant negligence to be compliant and refusal to take my request for proper validation will no longer be tolerated. The unverified items Eastern account systems and XXXX remain on my credit report and are a violation of Federal Law. As a consumer my rights have been violated by the credit bureaus. This refusal to remove the accounts after requesting proper validation is " negligent noncompliance '' under ( Section 617 ) I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times.

I demand the accounts listed below remove because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I DISAGREE WITH THE REPORTING OF THE ACCOUNT LIST BELOW, WHICH PERSIST ON MY CREDIT REPORT DESPITE YOUR PREVIOUS INVESTIGATION I REQUEST AN IMMIDIATELY RE-INVESTIGATION OF THIS ITEMS AS ITS INACCURACIES SERVELY IMPACT MY XXXX XXXX. PER THE FCRA ( PUBLIC LAW 91-506 ), TITLE VI, SECTION 611 SUBSECTION 1-D, PLEASE PROVIDE ME WITH THE NAME OF THE BUSINESS AND ADDRESS OF EACH INDIVIDUAL WHOM YOU VERIFIED AND VALIDATED THE ABOVE INFORMATION WITH, SO THAT I MAY FOLLOW UP ACCORDINGLY. ADDITIONALLY, PLEASE SEND ME AN UPDATED OF COPY OF MY CREDIT REPORT AFTER COMPLETING YOUR INVESTIGATION. 15 USC 1681 ( I ) ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company says, '' it's the alternative credit bureau ''. Upon their solicitation, I sent them a letter asking them to remove my name and adrress from their services/data-base. I told them I wanted to opt-out, and that I had already opted out for services, and pre-screen offers from the 3 '' major '' credit bureaus. They responded, and told me to send it in witing, I did. Now they say they need the last four digits of my social, my name, and address, ( which was on the letter, and envelope I had already sent them ). When I called to tell them just that, they said they needed my last four of social, which I don't fell they need, because I don't know them, and have never did business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted TransUnion to get inquires removed no action was taken
Product: Credit card

I had credit protection with the card. I became involuntary unemployed in XX/XX/year>, and notified the company to enable credit protection. They never did or would and now my credit score has dropped and the account is showing past due. They have sent me a " settlement offer '' to pay off the debt at a reduced amount. I've called, written and emailed them about this issue.
Product: Checking or savings account

We called twice first asking them to reverse the money and they did reversed it for {$140.00} and then it came charging me the same amount same day. I told them I did not authorize that charge. Never did I ever would do that to authorize twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00}
Product: Credit card or prepaid card

I am a Home Depot credit card user I do not get a paper bill only online email notifications of payment due I do have a balance which I noticed after viewing activity there is a fee called Balance Protection which I knew nothing about, when I called the number listed I was told I purchased the protection which I informed the agent I had not as it made no sense to pay for something I am able to make monthly payments on with out the need of balance protection, I requested a refund for the fees charged for something I did not need or purchased I was inform I would receive a refund. On a letter dated XX/XX/XXXX I was informed that since I purchased this on XX/XX/XXXX and my account was protected by the program benefits no refund due I canceled the protection prior to this letter. If I had known I had this protection I would certainly have used it while I was out on sick leave for 9 months in XXXX till XXXX but I made all my payments with out any help as I didnt know I had this protection. Im not sure how I was enrolled as I did not knowingly add more debt to a store credit card with a high interest rate as it is. Any help with this issue will be greatly appreciated thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : In accordance with the fair credit reporting act, this creditor ( XXXX XXXX XXXX ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, MI XXXX My only date of birth is XX/XX/year> You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX-Finance Manager at XXXX XXXX agreed to hold contract for 3 days until I seek a better interest rate. On, XX/XX/XXXX, I informed him that I'd received a better interest rate and that he is to cancel the previous contract. He submitted the previous contract anyway be cause he didn't believe that I actually got a better rate and that his boss was pressuring him to submit it due to end-of-month sales. I went into the dealership on XX/XX/XXXX to demand a cancellation of the contract. Since XX/XX/XXXX, I have been trying to get this contract cancelled. I've gotten no cooperation from the dealership. I contacted American Honda Finance to inform them of this fraudulent loan but they said that the dealership has to cancel the loan contract. This is truly a case of discrimination. I have voice recordings of all meetings with everyone I met with at the dealership. Even the Finance Manager who submitted the loan contract admitted to his actions and the discrimination behind it.
Product: Vehicle loan or lease

I am writing in today in regards to my account with Lincoln Auto Finance Account # XXXX an inaccurate late pay is reporting in XX/XX/2021. I have tried to get a copy of my original contract with no avail. I am therefore requesting a copy of the original contract along with full payment history.
Product: Checking or savings account

On XX/XX/2022, I was a victim of a Fake Support Scam. 
While reviewing transactions in my Wells Fargo checking account online on my computer, I noticed an unidentified transaction for {$300.00} from XXXX, phone XXXX. I did as my bank ; Wells Fargo had instructed me to do in the past and called the number next to the merchants name to try to resolve the situation. The person that answered the phone apologized for the error and said that he would help me reverse the transaction. While still on the phone with him, I provided my name and email address and only my name and email address so he could send me confirmation of the transaction reversal. I noticed that he had somehow taken control of my computer. I immediately turned off my computer and hung up the phone. 
I called Wells Fargo at the number on the back of my debit card. I spoke to XXXX and explained to her what had just happened. She said that we needed to file a claim, cancel my checking account and debit card and I needed to change my password. She gave me the claim # XXXX and said that I would receive a new debit card in 3-5 days. 
I checked my WF bank account using my laptop and noticed a wire transfer for {$25000.00}. I panicked and immediately called the number on the back of my debit card again. I spoke to XXXX in the WF Fraud Dept. and told him about the unauthorized wire transfer for {$25000.00} and a wire transfer fee of {$30.00}. XXXX filed a claim and gave me the claim no. XXXX. 
I later found out that the scammer tried to send ( 2 ) wire transfers of {$25000.00} each. 
For the 1st wire transfer attempt, my bank, Wells Fargo, did not send me a text message with a One Time Passcode to approve or cancel the transaction. They sent the {$25000.00} wire transfer without my approval. For the 2nd wire transfer attempt by the scammer, Wells Fargo did send me a text message with a One Time Passcode. I did not enter the authorization code and the transaction was cancelled. 
Wells Fargo should have sent me a One Time Passcode for both wire transfer attempts, not just one. 
Four weeks later, Wells Fargo sent me a letter ( attached ) saying that my online security claim was denied and the case was closed because the transaction was requested during an online banking session and because they sent me a One Time Passcode. I believe that Wells Fargos reason for denying my request is not justified because they only sent me one pass code for one of the ( 2 ) wire transfer attempts for {$25000.00} each. They sent the other wire transfer without my approval. I do not know what else I could have done to prevent this scam. 
I am XXXX XXXX XXXX, retired and living on a fixed income. This {$25000.00} was part of my life savings. I feel that Wells Fargo did not do enough to fulfill their legal responsibility to protect my money. 
My Attorneys name is XXXX XXXX XXXX. Please let me know if you have any questions or if you need additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. XXXX, XXXX, Experian ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXXXXXX XXXX opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX 4. XXXXXXXX XXXX opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax posted a account on my credit report that doesn't belong to me and which has not been verified. XXXX XXXX XXXX under the direction of XXXX submitted and alleged debt that I owe without giving me proper notification. I was never allowed to review this alleged debt to see if I was the correct person it who owed it or if it was a situation of fraudulent activity. XXXX XXXX XXXX stated that it sent to my address a debt letter, but the address they sent the letter to was an address that I moved from in XX/XX/2012. I have moved three different times since I lived at the address they claimed to have sent their debt letter. I am currently a XXXX customer, whom have my current mailing address. There is no reason why there could be a mix-up in my current address. Again, I am denying that this debt belongs to me and I am asking that it be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

My father incurred medical bills due to a XXXX. We have the same name. He is XXXX and I am XXXX. The collection agency keeps sending me the bills
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX is the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX and Experian never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to XXXX XXXX XXXX, in which they have not responded to. The law states that the company has 21 days to respond and they have not, as of yet.
Product: Checking or savings account

Yes I got ripped off on an online purchase from a XXXX XXXX XXXX  web-site on the XXXX app and I bought 2 different products. With 2 different debit cards. I used my XXXX debit card to buy the XXXX XXXX XXXX card that ended up being plastic and not gold. They also claim their gold products can be brought to banks to exchange for cash. That is not true either. I filed a dispute and got my {$100.00} back within 2 weeks. I used my Chime debit card to buy the XXXX XXXX XXXX for {$140.00}. That ended up being magnetic. Thereby another fraudulent product was sold to me. I filed a dispute and they keep denying it. Then reopening it under a rebuttal stage of the game. I am now at my 5th rebuttal and they refuse to quit giving me the run around and simply refund my NON golden  XXXX XXXX XXXX  that is magnetic. Even with pictures sent to them.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX with XXXX XXXX XXXX. I am renting and own no property. I live from a small IRA, Social Security and a large contribution monthly from my oldest son. 
My XXXX son, XXXX XXXX XXXX borrowed from a private lender while attending XXXX XXXX XXXX  school. I ended up cosigning XXXX student loans while he was a student almost XXXX years ago. 
He has been unable to pay off his loans due to the overall size of his debt. The company now handling the loans is XXXX. He is currently on a repayment plan with XXXX for loan XXXX  XXXX XXXX XXXX XXXX. 
My wife died in XX/XX/2023 of complications of XXXX. We had all of our credit cards in her name because she had excellent credit scores. We have never had consumer debt, always paid our obligations on time and we have never use any credit except mortgages when we owned our home. 
I am now left with being unable to obtain any credit cards in my name because the XXXX  loans reported by XXXX are in arrears. I have no debts except a car loan which I pay monthly and always on time. 
I would simply ask that XXXX remove me from the credit report since I have no assets and they will not have anything to collect when I die. It serves no purpose to continue to have me on this loan as a co-signer since I have no assets and limited income. 
It remains a source of family stress in my/our relations and there is no hope that XXXX  will received any proceeds when I die. I have life insurance and a small IRA both of which are not available to lenders.