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

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name/ Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. I fell victim of fraud my XXXX XXXX accounts was comprimised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Cares Act creditors/credit bureaus are not allowed to put late payment info during times of covid XXXX XXXX XXXX XXXX XXXX XXXX  Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report it states that I also go by the name XXXX XXXX. This is incorrect. I believe she attempted to steal my identity and use my information to obtain internet services. 

Also my criminal background report is incorrect.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law a my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I spoke with Equifax fraud dept on several occasions also provided FTC and Police report I was told all time that these fraudulent inquires would be deleted from my consumer report but yet they are still being furnished. This is my 3rd complaint via CFPB to Equifax regarding these inquiries DELETE THESE FRAUDULENT INQUIRIES. This is the confirmation code I was given from a previous dispute confirmation # XXXX stating these inquires would be deleted. I Also received CFPB complaint back on XX/XX/XXXX that the inquires would be deleted and its still being furnished on my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. 
XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX for the account opened XXXX XXXX with account number XXXX XXXX, XXXX XXXX XXXX for the account opened XX/XX/year> with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( TRANSUNION ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the fair credit reporting act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
XX/XX/scrub>XXXXXXXX I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX XXXX XXXX XXXX Account # XXXX into my credit report without proper certification of accuracy and notification to me as mandated by FCRA section 611 ( B ). 
Despite waiting for 35 days after sending the latter, Equifax has failed to remove the reinserted account from my credit report continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Money transfer, virtual currency, or money service

Wanted to speech with a representative but none was available.It was an a I representative and could not get to what I needed to talk about direct deposit being in my account
Product: Debt collection

I made the monthly payment of {$1400.00} on XX/XX/2021 to satisfy my monthly mortgage due on XX/XX/2021. The amount was taken out from my XXXX Bank account. However, on XX/XX/2021, this mortgage company reversed the payment, claiming that it was " Misapplication Reversal ''. I have been trying to contact with them, but they refused to respond. Furthermore, I am not sure where {$1000.00} payment and reversal came from. 

I am in fear that they are using this tactic to foreclose my property. This is unconscionable and I hope CFPB would investigate it.
Product: Vehicle loan or lease

I received a letter from Credit Appentance stating do to the Pandemic Covid-19. All late payments wouldn't effect my credit report. However I have late payments on my report. I was effected by the Pandemic.I have contacted the company on several occasions trying to get this issue resolved. I would like all late payments removed from all 3 credit bureaus as the account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a cash advance that totaled {$1000.00} with my Citi AAdvantage Mastercard ( account ending in XXXX ). Unknown to me, my credit card was then hacked, spoofed, or whatever the term is. And someone that was NOT ME made two more cash advances as the same place for the same amounts ( XX/XX/XXXX for {$1000.00} and XX/XX/XXXX for {$1000.0

0} ). I was unaware of this fraudulent transaction. Approximately two weeks later, when reviewing my statement, I noticed these two fraudulent charges. I called the company. We reviewed all my charges prior, these two charges, and all the charges afterwards. I told them that I was responsible for many charges prior and after, but I was NOT responsible for these TWO
cash advances. We closed the account and had a new card account issued as a result.

On XX/XX/XXXX, I received a letter from the bank stating that the NO CREDIT would be issued for these two fraudulent charges. The reason : " Valid charges were made with the credit care issued in the name of XXXX XXXX XXXX both before and after the disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''.

This reason is nonsensical. I already agreed and affirmed valid charges with the company after I reviewed my statement. This is what caused me to call the company : these two fraudulent charges. My card and associated information was obviously hacked at the machine and malign actors used this to steal ~ $ XXXX in cash advances. The reason specified by the company makes no sense. I attempted over the last 2 months to call and get more information and rationale, but to no avail. 

I am being denied protections afforded to me under the Economic Growth, Regulatory Relief, and Consumer Protection Act and the Fair Credit Reporting Act and I request immediate remedy.
Product: Mortgage

I have been a Foreclosure Prevention XXXX with a Nonprofit, HUD XXXX XXXX for over XXXX years. I have been trying to assist my client since XX/XX/2016 who clearly qualifies for XXXX. The servicer, Fay Servicing, has done nothing but put my client in a situation where they will lose their home. Fay Servicing acknowledges the investor on the loan participates in XXXX, but Fay Servicing refuses to communicate how they calculated the client 's income to state the borrower does not qualify for XXXX. XXXX XXXX has verbally communicated with me that the loan was approved for an " In House XXXX XXXX '' which will be almost $ XXXX more than the current payment. Fay Servicing then forwarded a XXXX letter dated XXXX, to the borrower stating the borrower must respond on XXXX, yet the borrower received the letter on the XX/XX/XXXX BUT the letter does not include any information about the Trial Period Plan whatsoever!. Therefore, what is he agreeing to??!!! I just now called Fay Servicing and although I was verified as third party authorized on the account by the woman that answered the phone, I am now being told by the supervisor, XXXX I am not authorized on the account! I have been told that they will not answer my questions yet they will not give the homeowner anything in writing. This is an unbelievable situation that the homeowner has been put in!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Consumer ID : XXXX XXXX XXXX ID Type : Drivers License ID Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with ChexSystems. I have NEVER opened, authorized, or used the accounts listed below, Im requesting the following information to be deleted from my ChexStems consumer report immediately I attached a copy of my report to this request. Account Name : Please confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. Thank you for your cooperation. Sincerely, XXXX XXXX Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Numbers : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthorized and affecting me to get credit. I am in the military and this is defamation of my character. I am not searching for credit. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

MIDLAND CREDIT MANAGEMENT , INC. is being unfair and negligent. They are not respecting my consumer rights. I am demanding the following item to be removed from my 3 credit reports : Account number : XXXX Date Opened : XX/XX/2019 Original Balance : {$3400.00} I have suffered several damages in my credit score and personal life due to they're wrong reporting : 1.  Unfair business practices. 
2. Failing to mark account as disputed.

3. Re-aging account. ( Serious violation because it kills my credit score ).

4. Reporting incorrect activity and first delinquency date.

5. Negligence.

6. Failure to provide customer adequate customer service.

7. inconsistent report across bureaus.

I have attached some documents. Please send it to the company.

Thank you very much.
Product: Checking or savings account

I was scammed by a phone call on XXXX  @ XXXXXXXX XXXX by what I thought was a customer rep from Chase bank since my caller ID on my cell phone number was the identical number for Chase bank. The caller instructed me that a wire transfer was happening in real time from a female in Florida named XXXX XXXX who was attempting to fraudently wire transfer {$9.00} from my checking account with Chase. I was driving down the street when this call occurred doing an errand and then I was planning to go back to my XXXX shift as a school bus driver on duty at XXXX XXXX. i was in a frenazy mentally my min d racing at this sudden bad news. The caller then instructed me to initiate another wire transfer to a supposed new Chase routing number and account number by doing a reverse transaction and submitting it to the new account which I did. Afterwards I started thinking after I parked the car and thought this couldn't be right and I hung up the phone on the caller but it ended up being too late since I submitted the wire transfer. The caller called me back within a minute or two and asked me if i indeed submitted the transfer and at this point I finally started to realize that this could well be a scam and I hung up the phone again. I hurriedly called off my job that afternoon and drove to the nearest Chase bank branch in XXXX XXXX XXXX to report this incident and I was hoping that somehow they could stop this transaction to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX but it was too late I learned later through their bank website security messages. I haven't heard anything since now being 3 weeks apparently since I was tricked into doing this wire fraud they refuse to get my funds returned to my account. i had impending bill withdrawals the next morning from my account so I had to get an emergency credit card cash advance to deposit into my personal checking account so my debits wouldn't bounce. I'm writing this story to this site in the hopes somehow I can get my {$1500.00} back since i had read on internet similar stories where the bank did refund the customer 's money. Thanks for whatever help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX hereby makes a request for assistance with Equifax Information Services LLC, as there is a lock on my credit report with this bureau, and only with this bureau. The reason being that my daughter XXXX XXXX has her social security number applied to my Equifax report. A similar problem did exist with my daughter, where my social security number was tied to her credit bureaus, especially Equifax, but has since been resolved. Accordingly, I need any connection to my daughter removed from my Equifax report, and the lock on my credit report to be removed immediately. I am trying to purchase a new car, and the fraud alert on my Equifax report is holding up hat process. Please remove the fraud alert from my Equifax report permanently and remove any connection to my daughter XXXX XXXX. 
Thank you. 

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

these two accounts ( documents attached ), are not mine, i have been disputing these two inaccurate accounts for the longest time, i have called equifax so many times that i have lost count, this is inaccurate and haunting experience, this can not go on like this, please have this inaccuracies removed from my equifax credit reports. 
they are literately saying they can not help me in this matter, please, i beg of you this is not a good experience that someone would be taking for the longest time. 
please find attached the documents and as consumer please i need you help to have these inaccuracies removed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I analyzed my credit report, I discovered that there are inaccurate information. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

applied for truck denied not for having a low credit cause some third party inaccurate information I reached out to them an was given some fair reporting act lies some XXXX they havent read they violated the truth an lending act federal reserve act an consumer rights act an I will be reaching out to FCRA an S.E.C. for stealing securities Ive ask to send me my perk for value applied for or send me my truck I applied for this illegal practice is to common and I will not take this stealing my securities if not taken care of I will pursue with the IRS ALSO to do a forensic audit on that account that was created with my securities an I will be seeking federal charges stealing from me