23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Vehicle loan or lease

XXXX XXXX, a salesman along with the finance XXXX XXXX XXXX from XXXX XXXX Dealer ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) scammed us with many wrong information. 

1 ) XXXX asked us to come to the dealer and finished the buy out my leased vehicle and that was a must. It's wrong since we can handle it via customer service instead of going to them. They failed to mention they charge extra fees for processing the docs. They didn't even disclose it on the docs. 

2 ) XXXX told us he needed our SSN even though we already had an approval loan from my credit union. He also said he won't initiate a hard inquiry on our credit reports. He lied and scammed me. 

3 ) XXXX told us the buyout amount on Kia finance website quoted us did not include the sales tax. It's a lie because it included the sale tax. ( almost plus 10 % more on top of the final buyout we suppose to pay ) KIA Finance customer service confirmed it. The difference was about {$2000.00} which is not small. 

4 ) XXXX, charged us {$300.00} fee and {$450.00} final check fee. Per the lease contract, if we buy out the lease at the originating dealer the dealer fee would be waived. XXXX denied such agreement even though it's in our contract. We brought our car in for the periodic inspection and oil change. However they still wanted to charge {$450.00} for " making sure it's safe to release ''. We said there was no need for checking since it's already been checked at the oil change. On a side note, another nearby dealer would only charge {$250.00} and they were willing to waive it since we just got our car checked. 

They scammed us many above issues and damage my credit report with unnecessary hard inquiry. We cancelled the deal after finding out about their lies. We asked them unground my car so we can finish the buyout process with Kia Finance Customer Service but they sill haven't done it an entire week later.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I notified Early Warning they have incorrect information regarding myself w XXXX XXXX -- - Matter was adjudicated with XXXX back in XXXX -- - It is now XXXX. And they report incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i received a notification that i have a credit inquiry from XXXX/XXXX ... ..I did not apply for credit with this company.Im not even sure as to who this company is.
Product: Money transfer, virtual currency, or money service

Coinbase froze my account on payday, I am partnered by Stake.us online social casino, and they restricted my account due transactions, I verified everything, uploaded my ID, answered their questions. They have {$23000.00} pending of mine and I need this money to live, I am getting behind on everything its been XXXX weeks. 

My transaction is completed in the XXXX  of XXXX XXXX or {$23000.00}, they refuse to give me my money. 

This is my case number # XXXX
Product: Credit card

My father and I had an account that was closed XX/XX/XXXX for {$700.00} over a dispute that was due to XXXX, also a fraud company that did not provide services to us. Capital One charged us $ XXXX for the services and we settled for {$700.00} because it was back and forth of calling them over 30 times in the last year from XXXX over this issue that we no longer wanted to deal with them anymore. After settling the account, they continued to hassle my father with snail mail asking for {$900.00} more continuing for the following two months after we settled every week, even though balance had already been paid. I am asking that they stop sending snail mail and emails to my father who is a XXXX and does not need the anxiety of having to deal with the terrible and poor customer service weve received since using the card over the last year. Every time I call them they say I dont have authorization because Im not the primary cardholder and even when my father calls they say that he cant do anything because its a closed account and they continue to send him mail to try to get more money! This has to be stopped! Please help us by getting Capital One to stop sending my father charges for accounts already settled. No more emails and no more snail mail! I would even ask for the {$700.00} back that they took from us to settle the account for services not rendered!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Asked the credit Credit bureaus to complete a verification on everything on my credit report. They did complete the report and stated that everything was accurate. I went and did a thorough research myself and found improper and in accuracies on my report every after there report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the recordings of the Fair credit reporting act # 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 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions
Product: Credit reporting or other personal consumer reports

I have reached out to Experian several times to dispute my personal information. Experian has continued to report addresses, and names that are inaccurate on my credit report as can be adversely affecting me. I only have one name, and one address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because I still believe there are errors on my credit report. I would like the Credit Bureaus to verify the account below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the account : XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the derogatory status since they have already been paid for. Please investigate these illogical statuses and provide me with the date of the last activity for the account. REMOVE this account if unable to provide proper verification. The Credit Bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Product: Credit reporting 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 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 XXXXXXXX and list of Inquiries 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

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing for 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of these items to prevent any further fraudulent activity under my name. 
Accounts to be Deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Capital One Auto Finance -Inquiry XX/XX/2017 XXXX XXXX -Inquiry XX/XX/2017 XXXX XXXX XXXX -Inquiry XX/XX/2017 XXXX -Inquiry XX/XX/2017 XXXX XXXX  and XXXX -Inquiry XX/XX/2017 XXXX/XXXX  XXXX - Inquiry XX/XX/2017 XXXX  XXXX XXXX  -Inquiry XX/XX/2017 XXXX -Inquiry XX/XX/2017 XXXX  XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report the Bank of America account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by Bank of America itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.
Product: Checking or savings account

On XX/XX/2020, I realized by the time I got off work that I had lost my debit card and that there was a transaction of a temporary credit adjustment to my account of {$2100.00}. I was at work the entire day of XX/XX/XXXX. I then logged onto my online banking app and saw that there were various amounts of money taken out of my account at local XXXX 's around town. One transaction was {$300.00}, another was {$500.00} and the final amount was {$1100.00}. I then canceled my debit card, ordered a new one, and changed my pin to ensure my safety. I then proceeded to call about trying to get the dispute off of my account just so no further actions could be done. My bank then proceeded to cancel the claim and start a new one with further investigation. I since then have sent a FAX of my clock in and clock out times at work on the day of XX/XX/XXXX so that they can see that the time those transactions were made, I was however at work and could not have made them. I am currently going to go to the local XXXX 's and request camera footage of the person who used my card so that I can further speed up the process and get all of the negative dispute out of my account.
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 XXXX - Account number - XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX = Account number - XXXX RXXXX XXXX XXXX  Original creditor : XXXX XXXX - Account number - XXXX 15 U.S.C 1681 S

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

I was in the process of applying forXX/XX/XXXXand it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain XX/XX/XXXXdue to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Bank account or service

Santander Consumer USA took an unauthorized withdrawal from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a mortgage loan with a major bank. I authorized them to pull my credit reports. I was told by the bank that my mortgage is not on my credit report. I explained to the bank that in XXXX of XXXX that my mortgage was sold to a new mortgage company which I was well aware of because my mortgage is current because I have been making all my payments on time to my previous and my current mortgage companies. I called my mortgage company and spoke with a customer Rep and explained my situation. The Rep stated there was no reason for my mortgage not being on my credit report. 
She stated she would open a claim, but that could take 30-60 days. I told her that was unacceptable due to the fact that I had just lost out on a home I was trying to purchase and I took a Hard Hit on my credit report which will happen again when I reapply once this is corrected. She stated that's the best she could do. I asked for a claim number, but she said she didn't have one. I work really hard at keeping my credit in good standing, but then I get penalized for someone else 's error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries and 3 accounts I was never late on and one account that is identity theft and another account I do not know why it is on my report. I also have a chapter XXXX I never filed and I am asking for proof of papers I signed but you never gave them to me by law See letter attached
Product: Credit card or prepaid card

I opened a credit card with Best Buy at a local store for a purchase of a computer. I completed the application with a sales agent and was approved for the purchase there on the spot back in 2011. My statements were set up to be done online as my payments, have always been done online. I have since paid off that computer and have done numerous purchases and paid them off online as well. Not until recently that I have made larger purchases that I noticed my payments will not decrease the balance on my credit card, so I looked closely at the statements online and I noticed that I was being charged without my permission for enhanced card protection services. Needless to say I immediately called the company where they informed me to call to another 800 number. I called them directly as well and the service representative told me that she would submit my inquiry to cancel services and request a refund of the service charges that I had been done without my consent. A week later I received and email stating the following : " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' How is this possible?!
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXXXXXX - {$3900.00} XXXX XXXX XXXXXXXX - {$910.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$1300.00} XXXX XXXX XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$2700.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # 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 AN # 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
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run hard inquiries on my behalf. 

Wells Fargo XXXX XXXX