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

I have been turned down many times. My husband and I have the same name and XXXX XXXX doesn't believe us. No he has pasted away and still have people looking for my deceased but using my name doing it. I have many companies going into my account for information I don't know. I just got my report in many years as I was turned down my one company in Texas after reviewing your report at XXXX as their reason for declining me. I would like all my inquiry 's removed as I don't know up to 99 % of any name I saw on my report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and very deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Information/Late Payments And Bankruptcy and Reimbursement For Damages Under 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) i ) I hope this message finds you well. I am writing to formally request the removal of all late transactions and any bankruptcies ( its been over 10 years for bankruptcy ) as they are in violation of the Fair Credit Reporting Act, specifically 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) i ) As stipulated by the law, transaction are not supposed to be on your credit report.

Additionally, I would like to request reimbursement for any damages incurred as a result of this error. It is important to me that my credit report accurately reflects my financial history, and I believe that this mistake has caused undue harm. 

Please confirm receipt of this request and provide an update on the status of my credit report and the reimbursement process. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I filed an ID Theft report with the FTC and submitted a complaint to the CFPB on XXXX, TransUnion, and XXXX to investigate my accounts and remove the inaccurate information. 
XXXX, TransUnion, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. 
According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. 

The consumer reporting agencies XXXX, TransUnion, and XXXX did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed XXXX XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.
Product: Checking or savings account

I attempted to open an account with PNC bank to take advantage of their compensation if you get direct deposit. PNC bank opened multiple accounts in my name then sent me notices saying they were all closed. In addition, they sent me a card but I have been unable to access the account online and customer service is of no assistance. I am unsure how or why they would have done this in the first place. My concern is that they are actually using these fake accounts in my name to borrow money under my social security number. Im asking for an investigation into whether PNC is opening extra fake accounts in customers names then sending them notices that they are closed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$1600.00}, {$430.00}, {$420.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$130.00}, {$2400.00}, {$470.00}, {$440.00}, {$420.00}, {$1800.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

14. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Product: Mortgage

Well this is about the bank being told about a Person who committed mortgage fraud with them. And Even with all the information you would need to open and close an investigation in less then days if you included filing paper work. Umpqua Bank did not start any investigation into it. XXXX $ owner occupied HELOC were the owner was already closing on their new more expensive home on XX/XX/XXXX and the Heloc Closed XX/XX/XXXX. had new tenants in XX/XX/XXXX and still reside their and owner is 1 mile away. Told Umpqua who does not offer ANY income property loans the loan number and all information stated here. told them new tenants name and the person who committed the fraud is a commercial loan officer for another bank and full aware of the repercussions if institutions cared about white collar crime. But no investigation or effort. But everywhere I look is an article about stopping fraud?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending certified letters to Comenity Bank/Victoria Secret, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, XXXX, XXXX or XXXX  have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX
Product: Credit reporting

we has a bankruptcy that was discharged in 2006, however it continues to show on our credit report. We need this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : OK STUDENT LOAN AUTH XXXX Date Opened : XX/XX/XXXX Balance : {$91000.00}, OK STUDENT LOAN AUTH XXXX Date Opened : XX/XX/XXXX Balance : {$86000.00}
Product: Debt collection

I get XXXX or more calls XXXX to XXXX daily and wkds.
Product: Debt collection

I did not owe the XXXX XXXX that sold their roster of debt to them. The building was abandoned post covid. I was told by management countless times that I could leave the property before the end of my lease term due to theft, assault, homeless people living in the stairwells, and people coming to my door threatening me. I filed several police reports. Due to the building being abandoned, there was no way to pay by check and I was forced to pay online and pay an additional fee each month. When I moved out there was no one there to come and do a final walk-thru. This place was a nightmare and once I could afford to leave I did. I have been called and harassed by Genesis despite my telling and showing them proof that I did not owe them anything. They have not placed collections on my credit report.
Product: Credit reporting or other personal consumer reports

Hi Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. I recently discovered that certain accounts, specifically the XXXX listed below, have been reported illegally due to my status as a victim of the XXXX data breach : Account : WF XXXX Account Number : XXXX I have attached documentation proving that XXXX has acknowledged the data breach and my compromised information. Despite this admission, there has been no action taken by XXXX to rectify the situation, and these inaccuracies continue to adversely affect my credit score. 

As a victim of the XXXX data breach, I request the immediate removal of the aforementioned account from my credit reports. The sale and purchase of my information without my consent have led to these inaccurate and unauthorized accounts tarnishing my credit history. 

I kindly request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. I believe that the inclusion of this erroneous information is a violation of my consumer rights, and I trust that the bureau will take the necessary steps to rectify the situation. 

Please find attached copies of relevant documents, including XXXX 's admission of the data breach. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your time and assistance.
Product: Consumer Loan

Springleaf Financial of XXXX, CA Office refused to give me an approved loan after the review of my XXXX Bank Statement showing that I was making Installment Loan payments to XXXX XXXX and offered Today to reimburse me for gas and mileage from XXXX CA to XXXX and return.
Product: Student loan

I was contacted by phone number XXXX XXXX XXXX How you were contacted by phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX ( XXXX ) XXXX The date you were first contacted was XX/XX/2019 3 payments of XXXX up front payments XXXX Checking account The date you were second contacted XX/XX/2019 3 emails Scam Lost {$1100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX. 
XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), they may be liable for false reporting.
Product: Debt collection

On XX/XX/XXXX we returned a rental car to the XXXX XXXX XXXX in XXXX, CO. There was no damage to the car and we were given our receipt and went on our way. We were surprised to receive the following letter. 
On XX/XX/XXXX, almost three months after we retuned the car, we received a bill from XXXX in the amount of {$490.00} for damages to the car. We made attempts to reach XXXX on the number on the letter ( XXXX ) with no return call. 
On XX/XX/XXXX we received an email from XXXX stating the damage was our responsibility. We responded the same day via email, stating it was not damaged when we returned and had our receipt and we would not be accepting their statement that there was damage. 
In XXXX, we received a letter from Viking Client Services dated XX/XX/XXXX with an attempt to collect {$490.00}. I telephoned and spoke to a Viking agent XXXX XXXX to discuss. I advised her we did not have damages to the car and I had my receipt from when we retuned the car. I asked for documentation and she said she would send us information. 
On XX/XX/XXXX, we finally received documentation from Viking including pictures.The odometer reading did not match what we had on our receipt. 
On XX/XX/XXXX we responded in writing that it was obvious the car had been driven by someone after we dropped it off, indicated by the mileage of XXXX on the odometer when the images of damage were taken. We attached our rental agreement receipt showing the odometer reading was XXXX when we returned the car. There has been no response to our letter. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX offering us a repayment plan for the {$490.00}. There has been no acknowledgement from our written response from XX/XX/XXXX showing the discrepancies with the odometer reading. 
Once again, we did not return a damaged car and we want these charges to be removed from our name. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct Service {$65.00} Opened XX/XX/XXXXXXXX XXXX  {$3700.00} OpenedXX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} OpenedXX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud. I have been requesting TransUnion to remove the fraudulent accounts from my consumer report due to the transactions not belonging to me. TransUnion has responded stating that the accounts are verified however they have not sent the proof of the fraudulent accounts being verified. I have not received any documents with my signature on them or any validity of contracts. I have not attempted to obtain any form of credit in several years so I should not have any inquires reflecting on my consumer report. I have submitted police reports, showing that my personal information was stolen in XXXX. I have submitted my social security card and ID to show that I am who I claim to be. I have called serval times and spoken to TransUnion along with written communication and they have failed to remove the inquires and fraudulent accounts. At this point I am being victimized my TransUnion!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}