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

XXXX still has NOT addressed my concerns regardiing obtaining my CREDIT BUREAU consumer report on XXXX, XXXX without my permission, or without a permissible purpose by law, pursuant to Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

Instead, they keep referencing an old dispute from XX/XX/XXXX case number XXXX which is NOT the same issue at hand! 

To : Discover Financial Services-Date of inquiry : XX/XX/XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Regards, XXXX XXXX ( FCRA ). CC : XXXX XXXX XXXX, XXXX, XXXX and Transunion Consumer Solutions
Product: Credit reporting or other personal consumer reports

I provided information that the credit was violating the Fair Credit Reporting Act by having XXXX charge offs on XXXX debt and the debt is still open after all these charge offs. This is in violation of the law. Experian reported back within XXXX days of their investigation stating everything was accurate and will remain on my credit report I need experian to inforce my request from XXXX XXXX because they are in violation of the law above.
Product: Checking or savings account

On XX/XX/2019, JP Chase Morgan closed my accounts without informing me due to the " risk of keeping my accounts open ''. They did not let me withdraw my money at a branch, nor ATM, nor send me any check. As of today XX/XX/2019, they still keep my {$77000.00} and not offer me any way to get my money. I don't have any cash or credit card on hand and need my money for everyday spending. They need to release me my money STAT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and 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. 
XXXX XXXX Code XXXX ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card

I have had someone fraudulently sign up for a credit card twice at Chase bank. The first attempt they were able to open the account. I put a fraud alert on my account and after the 90 days, the fraudsters did the exact same thing. Chase Bank is telling me that it 's because they are getting amazon gift cards the fraudsters are applying for cards. Chase 's system catches it but still leaves a hard hit on my credit card.
Product: Credit reporting or other personal consumer reports

the information on the credit report was not authorized and needs to be removed. I have spoken with XXXX, Equifax and XXXX however they are not complying with this request and failing to provide information about the information on the report. I have told them that that information was not valid on my credit report however they states that its going to stay on them. the following inquires needs to be removed from my report due to it being XXXX unauthorized. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I want this remove from my credit file this is illegal by this being reported and its not mines 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Product: Checking or savings account

On XX/XX/23, I checked my account to see the balance. At that time, I had a positive account balance. On XX/XX/23, I received an email notification of an overdraft. When I logged in to my account, a fee has already been charged. I contacted Fifth Third to ask that the fee be waived as I would have brought the account positive prior to a fee if I had been aware. They maintained that a notification was present in their system on XX/XX/23. I explained I had not received this and my first notification occured after the fee had been charged. They declined to waive the fee based on this internal notification that I was not sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX  XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Midland Credit Management and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account still reflect on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation have been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

about XXXX  years ago i lost my wallet and all my personal information was in there, ever since then someone has been using my identityand opening new lines of credit and using various address all around town and applying for credit and trying to obtain goods and services there many fraudulant address and many credit inquires currently being reported on my credit report
Product: Vehicle loan or lease

I sent a message to Prestige Financial after they removed a 5 year credit history from my report. I filed chapter XXXX in XXXX, and my car was not included. My car payment was paid in thru the bank from XXXX. They removed the entire credit history citing it is their new policy. It should be illegal for the trade line history to be removed prior to bankruptcy filing I asked for a copy of the policy and here is the response they sent : Disputeresponse XXXX To : XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX XXXX, My name is XXXX, I am the supervisor here in the Credit Reporting Department XXXX 



We are unable to send you the policy, as upper management has decided that if an account is included in any type of Bankruptcy we are deleting the tradeline. I understand that your Bankruptcy has been dismissed however, we are unable to update your credit to show this account. The tradeline was deleted from your report. 

Please advise Consumer finance. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX open dateXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. XXXX, Experian and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.
Product: Mortgage

I called NBAZ ( National Bank of Arizona ) a division of Zions Bancorporation. I talked with the VP of Mortgage Loan Department, XXXX XXXX. I informed her that my contractor was fraudulently drawing money from my Construction Loan Account. He was using false receipts to draw money against my account. My request was that the bank pursue the contractor to get my money back. I also asked that the bank put the money back into my account. The bank approved at least XXXX that I know of plus a personal check for {$5000.00}, from my personal account. 

The Bank informed me that they would not pursue the contractor for bank fraud even though he may have committed Bank Fraud by using false receipts to get the money, and wire fraud because this was all done on the internet. 

This loan uses a draw system where the contractor has the ability to request Draws. This is the Draw where I know that there are issues. I know that fake receipts are posted on my Built account. I thought nothing of it at the time. Then I went researching and found the below : There was a Draw requested on XX/XX/2023. This draw included {$4400.00} for Ext/Int doors and trim. I called the people on the receipts after I discovered that XXXX XXXX of XXXX XXXX XXXX had lost his Contractors License, my realtor suggested that I check on the validity of the receipts. There is a receipt in the built file for this amount from XXXX XXXX XXXX XXXX XXXX. I called and talked with XXXX. I gave him the invoice number and asked when these were scheduled to be delivered. He informed me that there were no doors on order for XXXX XXXX XXXX in XXXX. He stated that he had recently done business with XXXX XXXX but had issues getting his payment, he said he is not interested in doing business with them any more. He stated that there is something fishy with your receipt and it was probably just an estimate with no money ever put down. 
There is a Draw for {$12000.00} for Cabinets. I called the people on the receipts after I discovered that XXXX had lost his license, my realtor suggested that I check on the validity of the receipts. There is a receipt in the built file for this amount from hardware resources, in XXXX, Ca. I called the cabinet maker, hardware resources, and talked with XXXX. I asked when the cabinets were scheduled to be delivered to our house, I told her I needed a date because I was looking at ordering countertops. I gave her the invoice number and she looked it up. XXXX told me that that invoice was paid. The date on the invoice is XX/XX/2023. The draw that was authorized had a request on XX/XX/2023. Then she went on to say that that order was completed and delivered. I knew it was not delivered to our property. I gave her my address and asked when they were delivered to the address. She then told me the delivery address on the invoice that I have was not the address where those cabinets were delivered to. She also said that was not the address on my invoice is not in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX EQUIFAX : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. 
This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Product: Credit card

XXXX/XXXX/XXXX made a purchase for {$2500.00} at Home Depot using my Home Depot credit card through Citi Bank. Transaction was supposed to be set up for 24 months same as cash. I made a second purchase on XXXX/XXXX/XXXX for {$230.00}. 
I have been paying $ XXXX month since XXXX XXXX. Instead of setting my original purchase up for XXXX mos they set it up for 6 months in be known to me they started charging me interest on my purchase. Once I realized the issue I called credit services on XXXX/XXXX/XXXX and pointed out it was supposed to be 24 months same as cash. They have corrected that and out both totals due on XXXX mos however I have made at least XXXX additional calls since XXXX because they are not crediting me the {$720.00} in back interest that they charged me when they ended my promotion at the 6 mos mark. I have called 4 times and have gotten the same response to allow XXXX billing cycles ( which has come and gone ) and then have been passed around customer service to the customer advocate unit and they all say " oh I see where it was requested but nothing has been done, I will send another request ''. I am done with their excuses when I owe money I get calls and emails and threatening late payment fees but when they are due to credit me they drag their feet and nothing is being done!
Product: Mortgage

This company charges additional fees and cost ( inspection fees ), hold payments to make them late so that they can charge late fees. And then changes amount owes monthly so alway something new or different. Have tried for two plus years to get this fixed. Still not done and a very difficult company. This company then wanted to report this incorrect information to the credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing..
Product: Mortgage

I was applying for a mortgage refinance and the the broker identified below from Amerisave provided misleading information leading to me disclosing personal information I would not have disclosed had he been transparent. Specifically we exchanged several emails and texts and where Mr. XXXX informed me my total fee would be {$4000.00}. I specifically asked if this amount included " appraisal, title and recording, and discount, origination, and all other lender fees. '' He responded in the affirmative, stating " the only fee we take up front is an application fee which is credited back ... .and the appraisal fee of {$440.00} is included in the {$4000.00}. '' Based on this, I agreed to provide my personal information ( SSN, income, etc ) so he could initiate the full loan application. The loan estimate he provided at that point included ~ {$1300.00} in additional fees ( including the appraisal fee ) on top of the {$4000.00} he quotes. All of these fee are in one was or another " appraisal, title and recording, and discount, origination, and all other lender fees. '' He tried in many ways put the blame on me because I never asked specifically for the total closing costs. This is disingenuous and not working in good faith at best, and more likely misleading and potentially fraudulent behavior. 

XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I was looking at a rental property on XXXX  and had several email interactions with the person calling himself XXXX XXXX. He said that he would be unable to show us the property since he lived in California there was another family currently living there. We were told that we could walk around the outside of the property. Once we decided to move forward, the person calling himself XXXX XXXX requested the {$3700.00} for the first month rent and security deposit through Venmo. He was supposed to ship us the key along with some othe documents prior to our move-in date which was XX/XX/XXXX. A little over a week before our move-in date, I reached out via email and did not receive a response. I sent another email 6 days and then again 5 days before our move-in date. I also started calling multiple times a day starting 7 days before our move-in date. Nothing was responded to. 5 days before our move-in date, we went to the rental property and managed to speak with the neighbor who lived in the adjoining complex. He said that XXXXthere was a family who had just moved into the property we had been promised and that his landlord, XXXX XXXX, lived in Arizona. It was only at this point that we truly realized we had been taken in and were not only out of a rental house but also out {$3700.00}. I tried to request the money back from the Venmo account, but I am met with an error that says, " We're sorry, the transaction could not be completed. Please contact the person you are trying to pay. ''
Product: Payday loan, title loan, personal loan, or advance loan

I heard about the Title Max Loan settlement. I had took out two different title loans with this company & one of my vehicles was repossessed twice, very high interest rates and was trying to get more information!
Product: Credit reporting or other personal consumer reports

1. Creditor Name : SOUTHWEST CREDIT SYSTEMS Open date : XX/XX/XXXX Original creditor name : XXXX XXXX XXXX Open Balance : {$210.00} XXXX XXXXXXXX XXXX XXXXXXXX dollars 2. Creditor Name : XXXX XXXX XXXX Open date : XX/XX/XXXX Original creditor name : XXXX XXXX XXXX XXXX Open Balance : {$840.00} XXXX XXXXXXXX XXXX XXXX dollars I haven't the clue of were these came from are what they are, but they are on my credit report. These are all Fraudulent collections. I'm the victim of identity theft and all documents will be submitted below.