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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Transunion is continuously reporting inaccurate information. I have submitted documentation countless times regarding my name. My name is XXXX XXXX, not XXXX XXXX. I have been divorced for yrs, I do not use the last name XXXX. 

So to repeatedly contact me and boldly state my file will remain the same with XXXX XXXX is unacceptable. I dont know who Transunion thinks have the time or patience to go back and forth over the same issue for yrs. Im not doing it. Fix my file. Imtired of using stamps and paper and the issue is STILL not resolved in XXXX.My name is XXXX XXXX XXXX want me to spell it and sound it out? Documentation is attached, which Transunuon already has this. Imtired & Im done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries that have appeared on my credit report. Upon reviewing my credit report, I have noticed multiple inquiries that I did not authorize or consent to. 

I am concerned about the potential negative impact these inquiries may have on my credit score and overall creditworthiness. As a responsible and diligent consumer, I take great care to protect my personal information and only authorize inquiries when necessary. 

I believe that these inquiries are a result of identity theft or fraud, and I am requesting that they be immediately removed from my credit report. I would appreciate a prompt investigation into this matter, and any assistance you can provide in resolving this issue would be greatly appreciated. 

Please let me know the steps that I need to take in order to address this matter and provide any necessary documentation that you may require. I also request that you provide me with a written confirmation of the removal of these inquiries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Here are the inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company and the debt collection agency that received payment for my private information are bias and are violating my rights as a consumer
Product: Debt collection

Since we are experiencing a national pandemic. I believed it would be a good idea to keep an eye on my credit by signing up with XXXX XXXX and XXXX XXXX. On XX/XX/2021 I received an alert from XXXX XXXX. The notification advised that Southwest Credit Systems flagged my credit report. I contacted Southwest in regards to this alert because I had/have no knowledge of the account ; the account holder ( Southwest Credit ) failed to verify this debt prior to reporting ; although, they had/have my current address on file ( and this was confirmed by a customer service representative as well as a supervisor ; also all phone calls are recorded so this can be confirmed that they had my " current '' address ) - yet they mailed the correspondence to a over five year old address. I feel as though, since Southwest had my current address they could have validated the account ; however, they decided to go another route which I look at as a scam tactic - which is shameless since we are experiencing a pandemic and money is tight for some.
Product: Checking or savings account

I used to be able to link my bank account to my investment and budgeting apps but now they won't let me. It's super frustrating and limiting my financial growth potential. This is a huge step backwards for a bank at a time when banks need to be more progressive.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is illegally reporting a fraudulent account on my credit file. I made outreach to XXXX XXXX  and explained to them the the account was not mine and that I filed a police report. They explained to me that a XXXX credit card was opened in my name in 2015 which is not true as I have never applied nor used credit at XXXX. So, not only is there a fraudulent account reporting, the information is also inaccurate and outdated which is legally grounds for this account to be permanently deleted. Additionally, the furnisher sent me a copy of a bill that does not verify the account belongs to me. I reached out to Experian to explain my concern as I am in the purchasing process for buying my family a home and I have not heard back from them. I do plan to take legal action if this inaccurate data is not removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY COMPAN Reported : XXXX. XXXX, 2020 {$1000.00} Needs Attention ENHANCED RECOVERY COMPAN Reported : XXXX. XXXX, 2020 {$690.00} To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. There are no contracts, no valid claim ... accounts were settled with original creditor.

Grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Checking or savings account

I received a bank statement from Wells Fargo, with my information, a deposit and withdraws were made. I have never open an account with them. I called customer service and explained the situation. Apparently someone used my Name, address, social security number to open this account without my consent. The representative at Wells Fargo let me know that neither my phone number or email address were used and she explained that she can not provide me with that information. I asked if there was a way of prevent this from happening in the future and was told " No ''. She advise to make a complaint and wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I drove to my local XXXX XXXX XXXX in XXXX, VA. There was met with the Assistant Manager and her trainee. I had discussed reopening my checking and savings account, Im which I was previously a member before. After, being told that a soft credit pull, would be needed. I agreed to only do this if indeed it was only a soft credit pull. Now, waiting for the Manager to reach a Supervisor to handle this request I was told that I needed to contact Equifax to unfreeze my credit report. After returning to work I did exactly that and while not expecting to have my credit file compromised with an Hard Credit Pull. I was told once again by an XXXX  employee over the phone now. That my account was all setup and only a Soft credit pull was done I have called several times to XXXX to ask that this inquiry be removed! However, it seems to be more difficult than I expect.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS ARE NOT VERIFYING OR VALIDATING DEBTS AS REQUIRED UNDER FAIR CREDIT REPORTING ACT. THEY HAVE NOT FURNISHED ANY AUTHENTICATED DOCUMENTS AS REQUIRED PER THE ACT. THEY HAVE INGNORED MY REQUEST FOR W9 'S AND COPIES OF THE SSA 89 FORM WHICH GIVES THEM AUTHORIZATION TO DISCUSS ANY INFORMATION REGARDING MY SOCIAL SECURITY NUMBER. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$260.00} Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 



fcra violations see HIPPA VIOLAITONS
Product: Checking or savings account

On XXXX XXXX I got emails from my Bank, Ally, stating that I need to call them and that my account has been restricted. I can not access my funds nor can I see the state of my account. 

From XX/XX/XXXX to the time I have made this report I have called them several times. Originally daily until my bank told me to stop calling. Each time I called it resulted in them telling me this could last 30 days and that there was no resolution. In this time, I have no access to my funds. I can not pay my rent, insurance, car, and daily necessities. 

My bank refuses to work with me and has denied me access to my own money. They have left me with no way to eat or pay for my own housing.
Product: Student loan

Well, for the last few months has been working on the loan modification process. Every so often I receive an email, status : In process. Then, this morning I received an email your account is now past due. I hope this did not get reported to a credit report because there will be XXXX to pay. Now back to logic, went back to all their email and there is no status : completed. There is a correspondence now available. Which means nothing to me. The other question is why not send me your bill is ready to pay? Like most modern organizations send. I will go even further, why not send an email, which is automated, the next day the first payment is not paid? I am not into conspiracies but is it that you want to ruin people 's credit? I have not yet seen anything negative on my report but XXXX they are so under-prepared for the task that it may be months before they report it to the credit bureaus despite the regular monthly report. The kicker is that on their website, it reads we are overwhelmed with calls and emails, send us regular mail. What kind of a XXXX show is that? Not even a government agency, well maybe a couple will ask for regular postal service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I had a check cashed at Check Smart, signed Without Recourse letting them know that I accept no responsibility for non payment under UCC 3-415. Check Smart has XXXX XXXX Police making threats to my client who cashed the check, I have P.O.A. to settle the matter. I claim no liability for Check Smart 's negligence, they verify any check before cashing. An EFT must have been received by Check Smart and they have insurance on my clients account in which I have sent a request for Validation that's in the works now. I sent the Chief of Police a private correspondence. He will receive tommorow! Officer XXXX has called my client in XXXX XXXX and threatened him over and over, with threats of charges, jail, repayment of the debt. I've sent a private correspondence to the C.F.O of Check Smart in XXXX, Ohio. We had no intention on bouncing a check, that's why I verified threw XXXX XXXX my account is good. Furthermore Check Smart has a performance Bond and a payment Bond to cover any mishaps one of their employees make. My client and I accept no liability and wishes to charge XXXX XXXX with violations of the FDCPA 3 different incidents. {$1500.00} each. For making threats to my client and I. I wish to have the CFO of Check Smart XXXX XXXX comply with my request to resind my clients contract and stop harassing me or XXXX XXXX. The check is under an Estate Check EIN # XXXX. I want CFPD to put a stop to this harassment and threats. To have the insurance of Check Smart close and settle the account for my client via P.O.A. and forever resolve this matter! Close and Settle my clients Account immediately!!! Thank You Mr.XXXX of XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, OHIO XXXX NON-DOMESTIC
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit reports I notices some accounts that did not look familiar and that I was unaware of. I am first asking that you properly verify these accounts and send the original contracts, present signatures, dates, and documentation of when these accounts were opened. I believe that my rights have been violated according to the Fair Credit Reporting Act. because I disputed some of these accounts a while ago and when I pulled my credit recently I noticed that these accounts are still existing. The accounts that are included are the XXXXXXXX XXXX XXXXXXXX which is child support. It states that this account was opened back in XXXX and XXXX. I am asking for all information on this account that exist on my credit report. I need to know who opened this claim of child support and for what children was this support for. There are XXXX different child support account altogether. Please do a thorough investigation on these accounts in which I am not aware of these currently closed accounts. If no verification can be established I am asking that these closed accounts be deleted permanently from my credit reports. 

There are collection accounts that also exist as well. The first account is XXXX XXXX which the original creditor is XXXX XXXX XXXX . This account is stating that the open date was XXXX. Another account is XXXX XXXX, XXXX XXXX XXXX  which the original creditor is XXXX XXXX XXXX XXXX, and last Online Information which XXXX XXXX is the original creditor. I am asking that all contracts and or promissory notes, all documentation pertaining to these accounts that has my personal information attached to it. 

I also noticed that there are inquiries that should not be listed on my credit reports because I did not request any new credit. The inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Per the Consumer Law 15 USC Section 1681c <f> Indication of dispute by consumer also there should be a prompt notice of dispute to furnisher of information per Consumer Law 1681i 2 <a> and <b> Provision of other information -that the consumer reporting agency shall promptly provide to the person who provided the information in dispute all revenant information regarding the dispute that is received by the agency from the consumer or reseller after the period referred to in subparagraph <a> and before the end of the period referred to in paragraph 1<a>. 

Please update on all credit reports as well that name should be XXXX XXXX XXXX XXXX only Address should reflect as XXXX XXXX XXXX XXXX XXXX XXXX XXXX only there should be no listed employers Again please review and investigate in detail all accounts in question. 

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

Credit report inquired : Experian XXXX : XXXX XXXX I learned that this is The XXXX XXXX through XXXX Bank XXXX XXXX Inquiry date : XX/XX/2022 I have not had any contact with The XXXX XXXX or XXXX Bank in the last 6 months ( I was actually overseas on military XXXX ). 
I tried calling the phone number that appears on the inquiry log ( XXXX XXXX ), but that's a phone number for their account holders. 

I was alerted of this inquiry by email by XXXX ( I have a credit card account with them ). The inquiry came a few days after I unfroze my credit reports.
Product: Checking or savings account

I opened an online savings account with Citibank. As part of the account opening process, I transferred a substantial amount of money into the account. At the conclusion of the process, I received an error message and was never provided a full account number. I only received the last four digits by email. However, I did receive notice from my transferring bank that Citibank has received the funds. Without the full account number, I cant get online access to my account, and cant even get access to my account over the phone. I am told I am supposed to wait another 7-10 days to get my account information in the mail before I can access my account, which would mean the bank does not give me access to my funds for up to 14 days after I open up the account. This is a scam. The bank is putting all sorts of roadblocks up so that they can hold my funds and not provide me access to my accounts for weeks. The online application process misrepresented that I would have immediate access to the funds online, which is not true. I had to call over 5 times, and repeatedly was disconnected without my consent. I requested to speak to a supervisor, and was eventually connected to someone named XXXX, who refused to give her last name, but provided the code XXXX. She said I could not access my account until I received the full account number in the mail. I asked to speak to another supervisor and she said it would take them 3 business days before someone could call me back. Citibank has grossly misrepresented its terms in the application process. This is a scam that could be very, very harmful to consumers if they transfer funds into an account based upon representation that immediate access to funds will be provided, when in reality the bank wont give you access to your money for two weeks or more.