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

I changed car insurance companies and was informed of a claim on my insurance policy which I did not submit. I was informed by the company the claim was dropped ; however, when I transferred my car insurance to another carrier I was informed there was a claim on my car insurance dated XX/XX/23. I contacted Lexus Nexus and XXXX. XXXX stated it was filed in error and was unable to remove the claim from Nexus Lexus. Lexus Nexus placed a dispute with XXXX. 

The information is reported in error. I never gave XXXX permission to report any of my transactions to any third parties. XXXX never gave me the option to opt out of reporting to any third parties including consumer agencies. 

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to report this account on my credit report? No. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, this agency is in violation of USC 15 USC 1681. 

Lastly, I am a victim of aggravated identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized inquiries on my credit report. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent inquiries permanently removed from my credit report. 
The following inquiries were not authorized by me and should be immediately blocked and deleted : XXXX. XXXX XXXX - XXXX Date : XX/XX/year> XXXX. XXXXXXXX XXXX XXXX  - Inquiry Date : XX/XX/year> XXXX. XXXX - XXXX Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX  - Inquiry Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Recently, there was a scammer who was trying to scam me by sending money to random people that I do not even know. With that, they charged me XXXX and even more out of my credit card, and I tried filing a case with the company but they closed the case so quickly that there wasn't enough information. My credit card company is Venmo, but the bank being linked to them is XXXXXXXX XXXX. 

The scammer had asked me to send money like from XXXX XXXXXXXX towards the end of the month. 

XX/XX/2023 TO : XXXX XXXX AMOUNT : {$300.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$200.00} AMOUNT : {$200.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$300.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$500.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt atten
tion to Sincerely, XXXX XXXX
Product: Checking or savings account

I have asked NFCU for a list of which transactions have been placed manually on my checking debit and visa credit account over a dozen times. They appear to be having difficulty understanding the question. I would very much like to include them in my police reports, at the moment, if I do not receive them within a day, I will only be able to include their various responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a collection account that was not supposed to be on my credit report. I disputed this info with all three credit bureaus. XXXX and XXXX removed the collection from my report, Equifax did not. The collection was in the amount of XXXX XXXX and was assigned on XX/XX/XXXX. I have attached screenshots of my credit reports from XX/XX/XXXX and XX/XX/XXXX ( via XXXX ) which show the account deleted from XXXX and XXXX, but not Equifax.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, Bridgecrest, formerly known as XXXX, took possession of the vehicle for which a contract was created on or about XX/XX/XXXX. Bridgecrest at no time provided me with the lawful disclosures regarding rescission at the time of purchase violating 12 CFR 226.15. Bridgecrest also violated my rights by subjugating me into an adhesion contract. An adhesion contract exists if the parties are of such disproportionate bargaining power that the party of weaker bargaining strength could not have negotiated for variations in the terms of the adhesion contract. Such was true in my case with Bridgecrest. Bridgecrest also failed to produce any contracts containing my wet ink signature denoting agreement to the terms and conditions of said contract. Bridgecrest failed to produce a " clean title '' for the vehicle clearly demonstrating ownership and/or any lawful liens placed on the secured interest. Bridgecrest has also failed to provide a Bill of Sale for the automobile for which the allege was sold at auction and for which they received monetary gain but did not provide any credit to me. Bridgecrest has yet to produce any documentation with my wet ink signature, that they engaged in a lawful and legal transaction with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I was a victim of fraudulent activity when someone took out 2 loans under Moneylion using my information. The loans were for the amounts of {$930.00} and {$930.00}. I immediately reached out to the company to dispute these loans and report them as fraudulent. The company claimed to have closed the loans but these loans still show up as unpaid and not closed, which is affecting my overall credit. After, I was unable to get Moneylion to resolve this issue, I contacted XXXX to dispute these loans through them. XXXX was not able to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and do not belong to me : XXXX XXXX XXXX XX/XX/2022 Experian XXXXXXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

PLEASE THESE ARE NOT MINE AND THESE MUST BE COMPLETELY REMOVE FROM MY REPORT
Product: Credit card or prepaid card

Chime bank card falsifies your bank statements and fraudulently tweaks account balance, stealing your monies inconspicuously
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, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX  : # XXXX, Account XXXX Account : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXXXXXX : # XXXX Account XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account 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, credit repair services, or other personal consumer reports

EQUIFAX has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave EQUIFAX permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. This has caused tremendous stress and XXXX in my life. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " 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 '' I never entered into a contract with EQUIFAX giving them permission to furnish any information on me. Also, Pursuant to 15 usc 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX Apt XXXX XXXX NC XXXX. I am a XXXX XXXX XXXX veteran the credit reporting company 's like Transunion, XXXX and XXXX have misused my credit report. My identity has been misused and they haven't removed or deleted any inaccurate information from my credit report. i have sent them proof of my address and i have sent them my police report and bank statements. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Credit reporting or other personal consumer reports

My Lexisnexis clue report is incorrect. It is showing that I am at fault for 2 accidents in 2022. First on XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) and second on XXXX ( fXXXX XXXX XXXX XXXX  ) . My insurance company ( XXXX XXXX ) at the time shows that neither of these are at fault by me. So who is reporting this and how can o get it changed? Please let me know how you can help.

Thanks for your time.
Product: Mortgage

I bought a house at XXXX XXXX XXXX XXXX XXXX WA XXXX. XX/XX/XXXX to XX/XX/XXXX I surrendered my rights to Bank of America, telling them I can no longer stay in this house and make the payments. I was in an accident in XX/XX/XXXX and was reduced in hours at work and just could no longer afford living in my house. I believe my last payments was around XX/XX/XXXX-XX/XX/XXXX with missing payments throughout the year. The bills had begun to pile up, so I voluntarily left. I have just recently found out through XXXX XXXX - Sr. Mortgage Consultant/Manager XXXX # XXXX o : XXXX m : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, WA XXXX XXXX, that 5 years later the house is still in my name. The house has not even been foreclosed as of yet and I am still being shown as the owner of record. I would like for you to contact me about my options at this point.
Product: Credit card

In XXXX of XXXX  Citi Credit Card attempted to take payment for the full balance on my credit card at that time in the amount of {$11000.00}. I had automatic payments setup to pay the minimum amount so that I did not miss any payments. I have an email from Citi Credit Card dated XX/XX/year> showing a payment amount of {$0.00} because my minimum payment had already been met ( I made a payment of {$1000.00} on XX/XX/year> which was more than my minimum required ). When the {$11000.00} payment was returned from my bank for insufficient funds, Citi Credit Card closed my account. When I learned about this issue, I immediately called Citi Credit Card customer service and was told that I 90 days to redeem my rewards points ( approximate cash value of {$3800.00} the last time I had checked ). I tried to have my account re-opened as I had been a customer for 7 years and wanted to keep the card. Citi Credit Card would not re-open the account and then removed all of the rewards points I had earned. Again I called customer service and was told to send a letter and call back in 30 days. I sent a certified letter and did not receive a response. I called somewhere between 8-10 times over the next 60-90 days and have received no response. As of today, they have told me there is nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm using my rights as a Consumer to dispute inaccurate information of my consumer report. XXXX is reporting a charged off on my consumer report with a balance of {$120.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me.

The reporting of such inaccurate information has caused severe dam

age to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

You a

nd your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Re
sponsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Pr

ohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something
Product: Mortgage

I received a letter dated XX/XX/XXXX from XXXX bank stating that Mr Cooper would be servicing my mortgage after an effective transfer date of XX/XX/XXXX. I set up my XXXX bill pay to make sure the payment would not be late and to reflect Mr Coopers payment information. I called Mr Cooper on XX/XX/XXXX to make sure it was ok to make a payment and they told me to wait until XX/XX/XXXX to make the payment. I made the payment on XXXX and noticed the next day that it said it was scheduled for XX/XX/XXXX. I checked my bank on XX/XX/XXXX and saw that money was deducted from my account but after checking Mr Coopers website the next day it said my payment was 18 days late. I called my bank today on XX/XX/XXXX after seeing I was now 19 days late and they said Mr Cooper cashed the check ( that they requested instead of sending the money electronically ) on XX/XX/XXXX. I then googled Mr Cooper complaints and saw XXXX  had XXXX complaints filed and only has a XXXX Star Rating on XXXX reviews. After reading several of the reviews I also noticed they have a court judgement against them basically for predatory business practices which seemed to match the opinions of the consumers reviews being charged additional fees for Mr Coopers incompetence in servicing their loans.
Product: Checking or savings account

I ordered checks for my checking account from Citibank. Although this was the second order and when I ordered the checks - it stated on the website there was NO CHARGE. I have enclosed my receipt. Instead, Citibank charged my checking account nearly {$21.00}, then more money in overdraft fees. I have attached the proof that the checks were to be free. This bank, like many " big box '' banks lies to its customers and then fraudulently offers them services.
Product: Debt collection

On XXXX XXXX, 2017, I received an alert that a new collection was added to my XXXX credit report by Enhanced Recovery Collections in the amount of XXXX dollars on XXXX XXXX, 2017. I do not have any contract with this agency, nor did I receive any notification prior to this date about debt being added to my social security number.I know by law I am to be notified up to XXXX days and this agency did not abide by the law.Please remove this collection from the report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX  Account # XXXX Acc-type- installment XXXX5 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. 

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 reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 we were approved for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX knew we were prequalified for the auto loan. Made many attempts at asking us to finance through them we strong advised we were NOT interested. He slammed his highlighter to the table and broke it. Now we have a letter from Capitol One advising a credit check. So, I pulled our XXXX XXXX report and learned he ran us through XXXX unauthorized hard inquiries on XX/XX/21, as follows : XXXX ) XXXX XXXX XXXX # Pending XXXX ) Capitol One Ref # XXXX XXXX ) XXXX XXXX XXXX Ref # Pending
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a certified mail was received on XX/XX/22 by MEDICAL DATA SYSTEMS INC requesting validation of debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to such medical record. In accordance with Fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.