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

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Locked out of newly opened savings account : on XXXX I applied to Discover, via website, for an online savings account, completing all requested information & signing required forms. Once it was submitted, I immediately received a confirmation with account # and a list of the documents I had signed. I logged on 10 minutes later, to add an external account, I was then knocked out of the system ; I logged back in & message appeared " account is locked, call XXXX. '' On XXXX, XXXX, I spoke to CS rep XXXX XXXX XXXX at above #, she couldn't help. At XXXX I spoke to XXXX XXXX XXXX XXXX XXXX who spent 40 minutes with me trying to figure out the cause of lockout, & finally found that the acct had gone to the bank fraud unit???, and gave me phone # 's XXXX and XXXX to call & apologized for not being able to help. For ( 3 ) days straight I called each of the numbers, never got through, and each had waiting times from 1 hr - 3hrs!

I never received a letter or email notifying me of the reason for the lockout. I've lived in New York all my life, XXXX XXXX, all my credit & personal info is readily verifiable. In looking for a new online savings account, I read a reviewer 's remarks- don't remember bank - who experienced what I'm going through and I thought how crazy is that? Something is very wrong with the identification systems if it can not easily identify readily available personal & credit info of an applicant!
Product: Mortgage

I just went thought your database and found some very interesting information. Of the XXXX XXXX complaints against BofA over XXXX of them were for Loan Modification, Collection and Foreclosure complaints. Of the ones that listed the consumer complaint they were for strong arm action or action taken without their knowledge. This seems pervasive and and like sever bullying of consumers. I am requesting a formal investigation to be started on this BofA issue. I feel strongly if different levels of employees are questioned with immunity and under penalty of law for lying you will find a lot of illegal and maybe XXXX actions going on at BofA. I personally would volunteer my assistance ( I have a degree in finance ) and have business ownership experience. There is a lot of smoke and evidence here and needs further investigation. These actions caused undue harm to local housing values and local tax revenues. Please feel free to contact me me. 
XXXX XXXXXXXXAlso, your writing box on thes site is not working properly. The person typing cannots see the words typed.
Product: Credit reporting or other personal consumer reports

I disputed information that is on my Experian credit report on XX/XX/year> on XX/XX/year> Experian sent me a email stating that I didn't send them the correct documents I believe this was a stall letter trying to discourage me from disputing information on my credit file. in my letter that I sent to them was a copy of my DRIVERS LICENSE, SOCIAL SECURITY CARD AND MY UTILITY BILL. I also stated in the letter what was incorrect and what I was disputing. attached is the letter I sent and also the documents I sent
Product: Credit card or prepaid card

Capital One has restricted access to my account ; of note they owe me money. Repeated phone calls have proven useless. They have asked for copies of ID, which has been provided. 

My credit score has been in excess of 800 for I think 20 years. There have been no questionable transactions on this account that I am aware of. 

The account number is XXXX
Product: Credit reporting or other personal consumer reports

I recently locked my credit report with the assistance of my fiance. She is helping me. I am a XXXXXXXX XXXX XXXX XXXX. In XXXX, I got XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since then, I have been XXXX XXXX XXXXXXXX XXXX each year. I am now XXXX XXXXXXXX. I have a XXXX XXXX and have no Drivers License in any state as I can not see XXXX foot in front of me currently. I have XXXX XXXX XXXXXXXX with the XXXX due to this XXXX. I am not sure who is attempting to apply for cars or automobile loans in my name, but it is not me. I have not provided anyone with permission to apply for anything in my name that pertains to a car since I can not drive one and I XXXX everywhere I go, unless someone drives me. See attached my state ID, and XXXX. I have been trying to lock or freeze my credit report. Your office stated it would be activated timely. It has yet to be activated to allow me to freeze my report to prevent future unauthorized and unwarranted inquiries. Please advise how you can fix it. I do not want to call your office to freeze and unfreeze my report. I should be able to do it through your app. The other bureaus allow me to do it. 

I need this address removed as it belongs to a relative and it is not mine. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Hard inquiries to be removed : XXXXXXXX XXXX XXXX XXXX  - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX I also have not been known by these names. My name is XXXX XXXX XXXX, XXXX. The following names are not who I identify with. Please remove the following names from my report. 

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

MY HOME DEPOT CC # XXXX LAST TIME WE CHECKED OUR LIMIT IS NOT {$2000.00} > SHOULD BE {$10000.00}.
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 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 losses and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dispute the following accounts. They were opened without my knowledge, authority or consent. 



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 reporting, credit repair services, or other personal consumer reports

I have submitted this letter to all the credit agencies, Equifax, XXXX and XXXX  and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.
Product: Credit card

I keep getting scam calls from Amex numbers ( XXXX XXXX XXXX  ). They know my name, my parents ' address back in XXXX, and a lot of information, and claim that there are fraudulent charges under my name. However, when I call the same numbers back, I was always told there is no fraudulent charge. I asked Amex to fix this but I still keep getting such scam calls. PLEASE fix this and stop leaking my information! 

( BTW, I know Amex is selling my information because I started receiving spams to my parents ' names immediately after I added my parents to my Amex account as additional users. They had no footprint in the US before that. )
Product: Debt collection

This collection was just added to my report XXXX. 
But it is NOT my account does not belong to me. It says it is from XXXX. The account is not mine and needs to be removed immediately I am going to take LEGAL ACTION. 
15 U.S.C 1681 section 604 A Section 2
Product: Credit reporting or other personal consumer reports

I am writing for a fourth time in response to false information TransUnion is reporting on my account. They claim to have 'investigated ' and 'verified ' the information is accurate, if so then i should be provided with documentation proving the validity of this account XXXX XXXXXXXX as I did not authorize nor did I apply for it. 

I have provided TransUnion with documents 3 times including police reports, FTC reports, my sensitive personal information and documents as well as fraud packets. I have received nothing in reply showing this account was authorized by me. Neither of the other two major credit agencies ( XXXX and XXXX ) are reporting this account on my credit file. Please help!
Product: Debt collection

This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. XX/XX/17. XXXX. And this belongs to my wife not me.
Product: Debt collection

XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I sent them a certified letter on XX/XX/year> requesting that they provide me with the original creditors contract with my signature. I also requested to provide me the original pay history and proof of assignment. They responded back with letter dated XX/XX/year> with their contact with my signature not the original creditor. They also sent their pay history not the original creditor. 
Please assist in getting this information so I can make sure it is accurate. 

My Equifax report is reporting many inaccurate information on many accounts. Please assist in getting this corrected. 
Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I was just informed today randomly after sending money on XXXX XXXX via my account with Chime, that they have closed my account effective immediately today XX/XX/22. No warning or notice was given, which is very strange and feels like a scam in my book due to my direct deposit hitting as well as me having almost {$900.00} already in the account, and then right after my deposit hits my account you all just close it? And then tell me I have to wait 30 days for MY MONEY THAT I WORKED FOR! I HAVE TO PAH MY BILLS TO WHICH YOU ALL ARE HOLDING MY MONEY AND CAN NOT GOVE ME A REASON AS TO WHY YOU JUST CLOSED MY ACCOUNT! I have seen numerous complaints of the same tactics with this online bank and thought after being a valued customer for the past XXXX years it would never happen to me.! I NEED MY MONEY IMMEDIATELY!!!!! I DONT HAVE TIME TO WAIT FOR 30 DAYS AS I HAVE BILLS AND FOOD TO PURCHASE FOR MYSELF AND MY FAMILY!!! THIS IS RIDICULOUS AND IT NEEDS TO BE RECTIFIED IMMEDIATELY!!! I CAN CARE LESS IF THE ACCOUNT IS CLOSED, BUT I DO CARE THAT I GET MY MONEY TOMORROW! I need it NOW!!!!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 with XXXX XXXX on XX/XX/XXXX, a collection account opened with XXXX XXXX XXXX on XX/XX/XXXX, and 3 collection accounts opened with XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a auto loan account opened with XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and another personal loan account opened with XXXX XXXX credit card accounts opened with XXXX XXXX on XX/XX/XXXX and the other on XX/XX/XXXX, a credit card account opened with XXXX XXXXXXXX on XX/XX/XXXX, a installment loan account opened at XXXX on XX/XX/XXXX 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 any of the 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 # ( 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: Credit card

there are three charges on my statement that were voided bc i paid cash for the transaction there refusing to take my dispute there following XXXX law not american law in violation of the FCBA please help these charges are almost XXXX charges are XX/XX/05 XXXX XXXX XX/XX/05 XXXX XXXX XX/XX/05 XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX and I'd like to file a complaint against XXXX, Transunion and XXXX and all the secondary bureaus. They have my or had my complete consumer file under the wrong name alltogether. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. With that being said, I'm requesting that : XXXX ) My name is uptated on all XXXX bureaus. 
XXXX ) That ALL accounts that report any name other than mine : XXXX be removed immediately please. These account are not mine and I have for way too long suffer the consequences of inacurate reporting which has negatively affected my life and that of my wife and XXXX children. 
XXXX ) There are list of XXXX loans that are questionable and I'd like to have them investigated and removed if there's any inacurracy. 
Thank you!
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 on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX 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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FCRA XXXX XXXX ( 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 XXXX XXXX XXXX  after the date of receipt.
Product: Money transfer, virtual currency, or money service

I was having email with my real estate agent from this XXXX from XXXX. His name is XXXX XXXX, XXXX real estate agent, XXXX. I send an email and got feedback lastly on XX/XX/XXXX, and submitted some documents on XX/XX/XXXX. For XXXX XXXX payment and change my information, I send an email asking about that to XXXX. However, I got an email with information about certain bank account, Account Number : XXXX XXXX Number ( Routing ) : XXXX Originally I have to pay my rent through online portal for tenants, but at XX/XX/XXXX, the bank system was down so I thought this is onetime adjustment. So I paid XXXXUSD from my Bank of America account to the scammer 's XXXX account. I trusted him because on XX/XX/XXXX I requested tenant portal update and I got an email about it. Also I replied to original lease email from XXXX so the email conversation was between me and the real estate agent. I don't know how he could break into the conversation and reply to the right original email address ( XXXX ), because the scammer 's email address was diffrent ( XXXX - no 'S ' in the address, I found yesterday ). So this is how I paid to scammer 's account {$1200.00}. I asked to my bank and they said it is hard to reverse the transfer and will take times. The police does not care this case. I just want to get my money back. If the scammer 's bank account can be concealed, it would be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being displayed on my credit file. Which is in violation of the FAIR CREDIT REPORTING ACT, SECTION 609 & 623. I have contacted you about this information for over a year. that is way beyond the 30 days you are allotted by the law. 

1. XXXX  XXXX XXXX ( closed account ) Account # : XXXX Payment history is being shown as " CO '' 39 times when it should not be. The account was paid and should not longer be shown on my account at all. 

2. XXXX XXXX XXXX  ( closed account ) Account # XXXX I have never had a personal loan. This information is fraudulent. so why is a fraudulent closed account being shown on my account. I reported the fraud months ago to every agency and it was removed by every other credit bureau but yours.
Product: Credit reporting or other personal consumer reports

I HAVE ATTACHED PROOF FROM XXXX  PROVING THAT I HAVE BEEN A VICTIM OF A DATA BREACH AND VICTIM OF FRAUD AND IDENTITY. THEFT ACCOUNTS WERE OPENED, USING MY NAME AND PRIVATE INFORMATION, AND THESE ACCOUNTS WERE NOT OPEN BY ME AND ARE A RESULT OF IDENTITY, THEFT, AND POWER OF ATTORNEY FRAUD. I DID NOT GIVE THESE COMPANIES, PERMISSIBLE, PURPOSE OR CONSENT, AND I WAS NEVER CONTACTED TO VALIDATE THE ACCURACY OF THESE ACCOUNTS. XXXX, XXXX, TRANSUNION, AND ALONG WITH THE CREDITORS, ARE IN VIOLATION OF FCRA XXXX XXXX. You may be held liable pursuant to title 15 USC 1681o and XXXX XXXX XXXX XXXX. Pursuant to FCRA XXXX and XXXX 15 USC 1681 c-2 I must demand these accounts to be removed within XXXX business days as permitted by federal law. Please provide me with a purchase agreement and not a copy of a contract. Failure to block and remove the accounts may result in initiation of arbitration or lawsuit against your company.
Product: Credit reporting or other personal consumer reports

Requested a consumer report XXXX on XX/XX/23 when received and looking for inaccuracies this company is sharing my information incorrectly with other companies. According to 15 USC 6802 ( a ) ( b ) - obligations with respect to disclosures of personal information. You are prohibited from disclosing my personal information to any third party without my consent. I did not give my permission to disclose my personal information. The following information is inaccurate and needs to be removed from my teletrack consumer report ; Names Reported : XXXX XXXX, XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, Phone # XXXX. AS NONE OF THIS INFORMATION IS ASSOCIATED WITH MYSELF AND IS ACCURATE WITH MY DL AND SS #. 
All Hard inquiries On my consumer report are also were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof Is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. Furthermore, in accordance with The Fair Credit Reporting act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

I request the following information to be sent to me via mail with all HARD DOCUMENTS to show how it was verified : iF IT CAN NOT BE VERIFIED IT NEEDS TO BE DELETED FROM MY TELETRACK CONSUMER REPORT.