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

I recently submitted a complaint to Equifax. Equifax did not remove all fraudulent items. instead Equifax responded that the fraudulent XXXX XXXX and fraudulent XXXX XXXX XXXX account have been verified. I would like to how is it that a fraudulent account is verified belonging to me when I am stating that I am a victim of identity theft. I did not open up or authorize any of these fraudulent accounts. I would like to to know how these fraudulent accounts were verified what day and what method is used to verify these fraudulent accounts
Product: Student loan

Fax and email over the information they was asking for also tried calling to see if they got the information from but make claims they dont have it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a serious matter regarding the violation of my privacy rights under federal laws and regulations. It has come to my attention that the credit bureaus XXXX and Experian have failed to comply with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), and also have violated the 15 U.S. Code 6802, and 15 U.S.C. 1681 sections 604, 607, 610, and 621. I have attempted numerous times to resolve this incorrect reporting of my consumer credit information and they have failed to comply even after having many phone calls and speaking to several supervisors they still after I had clearly pointed out their many mistakes did not comply with the FRCA and the 15 U.S.C.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX informed me the XXXX XXXX there XXXX department that this would be taking care of and I would not have to worry about this fraud account and then came back a put it on my report for no reason also said I made payments with checking account I dont even have XXXX also they change the information from the balance to the account being current when they already closed the account they are doing this in bad faith.Im requesting this be removed immediately thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I find out that I have 2 accounts on my credit report in which I do not have knowledge of it. I sent a dispute to trans union and XXXX on XX/XX/2020, after XXXX investigation they find out I was right and they delete these two accounts from my credit report. But TransUnion did not respond about these accounts dispute. On XX/XX/2020 I sent another dispute to TransUnion, this time I event sent a copy of deletion from experian as a proof that these accounts doesnt belong to me and must be remove immediately. Because under the FCRA these informations is not 100 % accurate, but TransUnion still refuse to remove the accounts and to respond. I need your help.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX - Account # : - XXXX PAID OFF IN FULL PLEASE REMOVE XXXX  - Account # : - XXXXXXXX XXXX - Account # : - XXXXXXXX XXXX - Account # : - XXXXXXXX XXXX XXXX - Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # : - XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Account # : - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : - XXXX XXXX  Account # : - XXXXXXXX XXXX Account # : - XXXXXXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXX XXXX XXXX XXXXXXXX - Original creditor : XXXX XXXX  - Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and found that a bankruptcy is being reported. After contacting the court that handled my case, they confirmed that they do not share bankruptcy information with credit bureaus or third-party data providers. 

Since the court does not report this information, I am requesting that you provide verification of the source of this data or remove the bankruptcy from my records immediately under the Fair Credit Reporting Act ( FCRA ). If you can not verify the accuracy of this reporting, I expect this information to be deleted. 

Please respond in writing within 30 days to confirm your findings and the actions taken. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally resubmit my complaint to TRANSUNION regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX CT XXXX XXXX, MI XXXX. My date of birth is XX/XX/1986. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.
Product: Credit card or prepaid card

While reviewing my credit card charges I found 2 unautorized charges which I had never made under the name google electronics. Each charge was on the amount of XXXX $ CDL. I had contacted my credit card company and they cancelled my card and ordered a new one. After cancelling my card someone was still trying to buy with him through google. I contact google to claim a refund for those unautorized charges. Google claimed that also those charges didnt came from my account they wont refund my money back because it was autorized. They refused to give me any information regarding who made those charges which are also not showing in my google account. Im still waiting for refund from my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised after careful review of my consumer report I have come across the following items on my consumer report. 
XXXXXXXX XXXX  Account # XXXX This account is currently reported as charged-off. 
This account exceeds the 600 dollar threshold, I was never sent a 1099c which is a CANCELATION OF DEBT which this account qualifies as realized earned income, which means the status of this account has changed. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete This account IMMEDIATELY Failure to respond satisfactorily with the above late payments deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX XXXX
Product: Debt collection

i have received several threatening calls from this # telling me im facing fraud charges and i have nothing in my credit report with this information. ive asked for documents proving they are a legit company and i get threatened with a court summons
Product: Mortgage

Chase refuses to deposit money to escrow to cover projected shortages which would allow the borrow 's payment to remain the same. Instead, Chase demands the payments go up with taxes and insurance stating RESPA requires 1/12 of taxes and insurance be collected each month even if the rule, if it exists, is satisfied by sufficient escrow funding. Chase refuses to provide the law or even cite the law. Chase refuses to accommodate the needs of borrowers who try to keep their payments the same in case of hard times such as now! Borrower is not asking to lower the payment but to keep it the same by depositing to escrow more than sufficient funds to cover the projected tax and insurance increases. Chase can not justify their action if the 1/12 rule is satisfied by an adequate escrow balance, refuses to accept escrow deposits, and demands payments be increased. Also, Chase applied escrow funds to principle without authority and refuses to apply those funds as directed and refuses to return the escrow funds applied to principle. Chase 's actions are unfair and abusive.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] : This account has been incorrectly reported and should be removed due to identity theft. I have also filed a police report with XXXX XXXX police department in Maryland due to this incident. XXXX, XXXX and Equifax are reporting this information. I have contacted all three bureaus requesting this account to be removed. 

date issued : XXXX XXXX XXXX balance {$6400.00}
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 XXXX  Account XXXX XXXX XXXX XXXX XXXX  Original creditor PORTFOLIO RECOVERY Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, 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 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 ( 7 ) 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. 

All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of XXXX, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Product: Checking or savings account

Wells Fargo I have a inherited IRA. I want to transfer it to XXXX. Wells Fargo requires a bank statement along with the form from XXXX in order to permit the transfer. However, Wells Fargo only will create a statement in XXXX and XXXX. There are no other remedies, they wont make me a statement even for this purpose.
Product: Credit card or prepaid card

I received a letter from you about me enrolling in the credit protector and you charged me a monthly fee, I never enrolled in this program so I am following instructions on the letter and filing a complaint to get this money refunded to me. my ref # is  XXXX  NAME,  XXXX   XXXX
Product: Debt collection

Your company cashed checks from the insurance. THIS AUTOMOBILE WAS IN A FLOOD AND TOTALED OUT. Nothing received mentions that. At the time of the sell did you disclose that this automobile was in a flood? I do not agree with this statement says I owe XXXX when I had insurance and the car was deemed totaled out. I need some help
Product: Checking or savings account

Navy Federal has already begun investigating this case, but I am still having a difficult time getting this settled. I need Navy Federal to ensure that it has flagged every payment made to XXXX XXXX, because, according to XXXX XXXX, it appears that there were additional charges in addition to the one flagged. Navy Federal has also had incredibly long call wait times, which has made settling this manner increasingly difficult to manage.
Product: Debt collection

They keep calling me anywhere from XXXX 6 times a day. I have written Portfolio Recovery twice via XXXX XXXX mail to please stop, yet they continue. I have also requested that the only communication I will have with them is via XXXX XXXX mail only.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020, my account was reported late 90 days ( XX/XX/2020 ) XXXX and again XX/XX/2020 with XXXX and Experian. However, the account was paid on time. I have reached out to the company on numerous times to try and get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fradulent line of credit was opened under my name for " COMENITYCB/XXXX " on XX/XX/XXXX. In XXXX, {$130.00} was placed on this line of credit. 

I also received a notice of fradulent credit inquiry from " COMENITYCAPITAL/IKEAPC '' on XX/XX/XXXX.
Product: Student loan

My school loans have been forgiven to due fraudulent actions and eventual school closure by XXXX XXXX. I had private loans serviced by Navient that I paid off in full but feel there is legal precendent to have these funds refunded. Navient has failed to provide proper insight or willingness to comply.
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items : Chapter 13 Bankruptcy 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PRIVATE AND CONFIDENTIAL Subject : Second Request for Immediate Removal of Incorrect Delinquent Child Support from Credit Report. 

Dear Sir/Madam, I am writing to follow up on my previous request dated XX/XX/XXXX, XXXX, regarding the removal of the delinquent child support account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from my credit report. I am pleased to inform you that both XXXX and XXXX have already complied and removed this account from their records. However, I have not yet received confirmation of the same action from your agency. 
As stated in my prior communications, recent federal court rulings have confirmed that delinquent child support obligations do not qualify as a " credit transaction '' under the Fair Credit Reporting Act ( FCRA ) amendments ( FACT Act ). Therefore, the reporting of this account violates the permissible purpose standards under the FCRA. 
Moreover, this is not a credit account, and the Office of the Attorney General is not mandated to report or update this account with credit bureaus monthly, as is required for traditional credit accounts. This further underscores why this account should not be included in my credit report. 
In addition to these points, the information being reported is completely inaccurate. This account has never had a late payment, and I have attached my payment record as evidence. The delinquency being reported is false, and this violation of the FCRA must be corrected immediately. 
Given that both XXXX and Equifax have already removed this account, I insist that you take similar action and promptly remove XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX from my credit file. Please provide written confirmation of the removal. 
Should this matter not be resolved in a timely manner, I will be forced to consider legal or regulatory action. I trust you will handle this issue with the urgency and attention it deserves to ensure compliance with federal law. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
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 loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I had some suspicious charges on my bank card so my bank contacted me. I told them that I had not made any charges that day then they proceeded to tell me it was from and escort/ dating service. I don't use such sites. So then the card was canceled and a new one is being sent out to me, in the meantime I had an {$800.00} withdrawal from cash app with my already canceled card, and even the bank let it go through, on a card that should no more exist. They return the {$200.00} in cash app that was supposed to go through
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was initially exposed in the XXXX breach and gained access to credit and identity monitoring after that incident. Since then, I regularly check all alerts that typically include normal inquiries for credit or new accounts being opened that were my own. I recently found out that my information was also exposed again during the recent Equifax breach and yesterday I got another alert that XXXX XXXX XXXX had done an inquiry on my credit via Equifax. Knowing this was n't initiated by me, I contacted XXXX XXXX XXXX 's fraud department and found out that on XXXX/XXXX/XXXX, a wireless account was opened with my SSN using someone else 's name and address. XXXX XXXX XXXX 's fraud department actually did close the account as of yesterday and marked it as fraudulent but now I have confirmed that my SSN has been exposed and was stolen with the intent to use it to steal my identity. I have reported fraud alerts with XXXX who said that fraud alerts would then be sent to the other XXXX major bureaus
Product: Debt collection

Hey its been 6 months to a year and I have not gotten any updates or responses regarding these fraudulent accounts. I know my rights! And by law after 30 days with no proof of verification of items you must remove them. So can you please remove them its been long overdue.