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

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy.

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim.

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 

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

I am an authorized user on an account in my wife 's name. We have had the account for many years. I have contacted Citicard 3 times since XXXX. They have yet to report me as an authorized user. Each time they have indicated they had my personal information and would report at the end of the month to credit agencies. on XX/XX/09 I still my credit report still does not reflect that I am an authorized user.
Product: Checking or savings account

At approximately XXXX on XX/XX/XXXX a transaction labeled " XXXX XXXX : XXXX XXXX XXXX XXXX '' took {$1000.00} out of my checking account. I did not approve nor make this transaction. Chime is the bank I use. I have filed a dispute. They tell me it's currently under investigation. I have just recently lost my Job and that money was for the 2 weeks of paid vacation that my company owed me for. I had to use it to pay my truck note and car note and energy bill. I was expected to have XXXX Dollars left to my name. Now I have XXXX $ left to my name because someone authorized the transaction of {$1000.00}. I am in dire need of my money. I have a family to support and am currently having to stress about getting my job back or find another. This money was supposed to support us until I go to my XXXX XXXX to fight for my job. Now I can't afford to travel to fight for my job. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting my previous residence addresses incorrectly. Some do not exist. They do not show correct information regarding the length of time I have lived at my current address. They could/would not tell me who supplied the wrong information. 
Despite trying to remove incorrect & obsolete phone numbers... they still show. 
My employment history is a mess. Misspelled employer, inaccurate length of employment times. Occupation incorrect. No data for the last 6-7 years I was employed. 
Rude, unknowledgeable chat employees at TransUnion. They do not know how to answer questions regarding issues, so they end the chat.
Product: Credit card or prepaid card

Regarding Disputes/Fraud Investigations ... XXXX XXXX XXXX XXXX XXXX XXXX This extremely fouled-up six-week investigation was precipitated by one ( 1 ) improper {$200.00} charge made by XXXX and an over-jealous member of the CitiCard Security team who, when I reported the erroneous {$200.00} charge on XX/XX/XXXX, enlarged the fraud investigation to include ALL of the XXXX transactions. 

As a result, a proper {$530.00} CREDIT ( issued by XXXX ) was removed and has now ( on the XX/XX/23 statement ) has been posted as a CHARGE. 

I have contact CitiBank 5 times in the last 6 weeks, including 3 contacts with your security department. Twice I have sent the requested documents : Doc # 1 : Screenshot of my account taken on XX/XX/XXXX showing both the {$530.00} CREDIT and the {$200.00} Charge both from XXXX. 
Doc # 2 : Email dated XX/XX/XXXX from the XXXX XXXX XXXX verifying that they have issued the {$530.00} CREDIT and that they had not made the charge for {$200.00}. 
Doc # 3 : Email message dated XX/XX/XXXX from XXXX verifying that they issued a CREDIT of {$530.00} AND they had mistakenly charged me {$200.00} in the process, and they have issued a credit of {$200.00}. 

I never disputed any of the other charges by XXXX that was the doing of a member of their security team. 

RESOLUTION NEEDED : 1 ) CitiBank needs to CREDIT my account {$1000.00} ( $ XXXX ) for posting this amount on my current XX/XX/23 statement as a CHARGE. 
2 ) Citibank needs to REMOVE the verified improper charge of {$200.00} ( dated XX/XX/XXXX ) and posted on my XX/XX/23 statement both as a charge and a credit. 

Immediately after my last conversation with several CitiBank security team members, my on line access to recent transactions was blocked as well as my access to the Dispute Center.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX {$25.00} XXXX $ XXXX $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XXXX. The wage earner case number I was discharged from in XXXX is XXXX. Originally filed XXXX XXXX. I paid the courts {$18000.00} in XXXX from a settlement I received from a medical malpractice law sue I filed in XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX Family began to prepare my death.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax dated XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a credit repair agency. I notified this company about an investigation on items that was previously disputed on my account and I haven't received any results back in mail. I have been trying to get these fraudulent items removed. Can you please help me dispute and remove incorrect addresses, inquires, collections, derogatory remarks and any other fraudulent information reported.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL late payment including non-Mailable address, are a violation of consumer rights. Pursuant to CFR 1681b -Permissible Purpose Of Consumer Report Section ( 2 ) EQUIFAX Said company has 4 days according to LAW to Suppress such items. FTC fraud report was filed on behalf of the consumer, consumer is now requesting Equifax to provide the documents used to determine investigation pursuant to, CFR 313.15 ( a ), CFR 313.7 ( 1 ), Equifax, as 15 days to provide me with the name of the person spoke to documents use to determine validation with consumer, WET INK signature. Consumer is not asking for a e-oscar report. if Equifax does not have documents to show, this were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules Equifax commissioner file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX 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 New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX. I will be filing form to 211 treasury omb form to Audit consumer account. EQUIFAX is Securitizing consumer data yet refusing to provide consumer copy of report their CONSUMERS FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet some years ago, after this incident I have been getting bills and letter from different places, that's when I started to become suspicious about my identify been stolen, finally I check my credit an found a numbers of accounts that I don't recognize, so I'd Like to report this event and ask for your help to remove these fraudulent accounts from my credit.
Product: Checking or savings account

HSBC Bank USA, N.A. 
On XX/XX/XXXX, I opened an account with HSBC in California. I opted for HSBC because my client, based in XXXX XXXX, uses this bank, thereby facilitating a more streamlined process for me to receive payments. On XX/XX/XXXX, I received a payment from my client in the sum of {$15000.00}. 
Subsequent to this, I initiated two wire transactions : 1. {$1000.00} to my credit union. 
2. {$8000.00} to a commercial bank account associated with a design studio for services rendered. 
However, without prior notification or explanation, HSBC canceled the {$8000.00} wire transaction. As of XX/XX/2023, the {$8000.00} has not been credited back to my account, and I was informed it would take another 1-2 business days for the amount to be returned. 
To exacerbate the situation, my entire HSBC account has been frozen, denying me any access to my funds. Despite my efforts to communicate with HSBC to rectify this issue, I've been told my money will remain inaccessible until an undisclosed review process is completed.
Product: Checking or savings account

After attempting a wire transfer out of country on XX/XX/XXXX, Wells Fargo Fraud Prevention blocked the transfer and reported me to a State Agency responsible for Adult Protective Services ( APS ). I was attempting to procure electronic equipment through a nonXXXX company. On XX/XX/XXXX, Wells Fargo sent me an email, then a letter, to inform me they were closing my checking account on XX/XX/XXXX. I went to the same Wells Fargo branch on XX/XX/XXXX to close the account and withdraw the funds in the account. Once there I was informed the " review '' or investigation was extended to XX/XX/XXXX ; several days later a letter saying the same thing arrived at my home mailbox. In between this time I was contacted by APS by phone, then by a home visit, where I was subjected to a cognitive test. The APS person determined I was not impaired, and said the case would be closed. This obviously upset me significantly. When at the bank on XX/XX/XXXX, I was again informed that the review was extended to XX/XX/XXXX. I objected, complained that this was the second extension, and asked why. I was told the review was not complete. I asked what was being reviewed since I had no activity on the account since early XXXX. I attempted to explain that the funds were critical for XXXX, and I felt this had gone on long enough. I called the Fraud Prevention phone number on the letter, and was told they weren't going to release the account until XX/XX/XXXX as stated. No reason given. I then submitted a complaint at the branch.
Product: Checking or savings account

Capital one had help my direct deposit for 3 days and I do not have access to my money.
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX and Texas State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. 5 U.S.C. 552a ( b ) - THE PRIVACY ACT OF 1974 In accordance with the requirements of the Privacy Act of 1974, as amended, 5 U.S.C. 552a, the Securities and Exchange Commission gives notice of the amendment of its system of records for Enforcement Files ( SEC-42 ) to clarify its routine uses with respect to disclosures related to the collection of amounts ordered to be paid in civil and administrative proceedings, to incorporate a statement regarding disclosure to consumer credit reporting agencies, to update statutory and regulatory references in certain routine uses, to update addresses of system administrators, and to identify exemptions from disclosure that have been claimed for this system of records under the Privacy Act. There is no 3rd Party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on my deceased friends XXXX XXXX  credit card. I called several times and sent in their required death certificate. I was told it has been taken care of several times. They REFUSE to remove the XXXX dollars owed from my Experian credit report. Experian will do nothing to help. I am. XXXX XXXX  XXXX and financially destitute and can not afford a lawyer. They LIED to me repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In response to CFPB complaint XXXX, and XXXX, Equifax has not provided any physical proof of burden that a collections account from " XXXX XXXX Associates '' is in fact mine. I have tried to call them as well, and they have stated on the phone that they do not have any documentation of proof, and yet refuse to delete this item of my credit report. This is a XXXX of XXXX requests, before a pre-legal notice will be served. Equifax is simply parroting what furnishers claim is correct. This highlights concerns about Equifax 's lack of independent verification of disputed credit information. See relevant cases XXXX v. XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX. The court found these allegations insufficient, highlighting the necessity for credit reporting agencies to conduct independent investigations rather than relying solely on data furnishers.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX, and upon reviewing my credit report from XXXX, TransUnion, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/24 XXXX XXXX  Dated XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted TransUnion to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 

I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile.
Product: Credit card

On XX/XX/24 I made a payment of {$42.00} toward my account via online payment. However, on that same day, I got charged a returned payment fee when they didn't even attempt to take the payment out despite the fact that there was more than enough for the payment to be processed. 

As a result, I was charged nsf and returned payment fees which I believe were unfairly applied due to the failure of the payment being processed correctly within the expected time frame. This has been a consistent pattern and when I tried to ask for an explanation as to why my payments were returned i was told that they couldn't tell me. 


Comenity willfully XXXX  over consumers and banks on the fact that they will not notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Santander Consumer USA regarding their violation of the Fair Credit Reporting Act ( FCRA ). I recently financed my auto loan with Santander and have encountered significant discrepancies in the reporting of my payment history to the credit bureaus. 

My car loan was initiated at the end of XXXX, and my first payment was scheduled for XX/XX/2023. However, upon making a payment on XX/XX/2023, covering both XXXX and XXXX, I noticed that there have been no updates about these payments reported to any of the three major credit bureaus. 

This oversight is a clear violation of the FCRA, which mandates that accurate and timely information be reported by lenders to credit bureaus. I am deeply concerned about the potential negative impact this issue may have on my credit score and financial reputation. 

I have attempted to resolve this matter directly with Santander Consumer USA, but regrettably, my efforts have not yielded any positive results. The lack of responsiveness and inaction on their part has led me to escalate this matter to your esteemed agency. 

I kindly request your immediate attention to this issue and the initiation of an investigation into Santander Consumer USA 's non-compliance with the FCRA. I believe that by taking appropriate action, we can rectify the inaccurate reporting and prevent any further harm to my credit standing. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to reach out if you require any further information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF ED/XXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite XXXX XXXX & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXXXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; SECURITYCRED XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please see my prior complaint # XXXX Reliant Capital Solutions LLC called my number about a debt that is not mine, and other agencies have failed to validate. A validation of debt notice was mailed to Reliant Capital Solutions LLC today. XXXX XXXX XXXX has also closed this case but it seems the debt was bought.