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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give your credit reporting agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 


The following information on my credit report needs to be removed : ADDRESS XXXXXXXX XXXX XXXXXXXX NJ XXXX IT DOES NOT MATCH MY NJ GOVT ID THERE ARE INQUIRIES LISTED ON MY REPORT I DID NOT AUTHORIZE XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX 

Please note that you have 15 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

Capital One has been spamming me with their ads for almost 2 weeks... often as many as 3 ads per DAY! 
Their ads do NOT have the delete or block option available ... .so I see their UNWANTED garbage and must delete each ad ... ..enough OF this already. I want those ads STOPPED... .permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed accounts and noticed accounts I did not authorized.
Product: Money transfer, virtual currency, or money service

I recently accepted a XXXX in Washington XXXX and was looking at some rental properties  to contact. XXXX property I found was listed for a XXXX XXXX XXXX. I sent him an email stating that I was interested in the rental and he immediately sent an email back going over the details. We conversed back and forth over email about the property and agreed upon a move in date as well as a lease. He then asked for first months rent, last months rent, a security fee, and a pet fee for the initial deposit. He asked that I write him a cashiers check and to deposit it into his account at Bank of America. I obliged and wrote the check out to him. After I took the cashiers check to Bank of America and deposited into the account he provided, I contacted him via email to let him know it was in and that i submitted it in his name. He immediately sent me an email back stating that i did it wrong and that it should have been submitted under his cooperate account name of XXXX XXXX. I became very concerned and called Bank of America to place a stop payment. They stated that it had already been deposited, and that the best they could do was put a hold on the account. After multiple conversations with individuals in different departments at Bank of America, I was finally told that I would need to reach back out to them on XX/XX/14 to proceed, that there is nothing they could do since the account was on hold until then. I went there this morning to resolve this and was informed that the account had already been emptied, and that Bank of America could do nothing for me since I wasn't an account holder. I then proceeded to contact XXXX XXXX and was told that there is nothing they could do either.
Product: Credit reporting or other personal consumer reports

According to the CFPB law 15 U.S. code 1601, the XXXX XXXX account # XXXX ( with XXXX ), XXXX, Transunion and XXXX are in violation and should be fined for not adhering to the federal government laws on incorrect reporting or delete. 
I have disputed this account many of times and is very much looking to seek legal help against the credit bureaus because I am not getting help from the protection agency meaning " I'm not being helped ''. 

I am/will not take responsibility for the debt as it is and it needs to be corrected or " DELETED '' according to the CPFB laws for credit agency reporting. 

EVERYTIME I dispute, the company updates the account with a balance and recent update date and then add XXXX more years to the update, THAT IS ILLEGAL. 

I spoke to a representative and the account was charged off in XXXX of XXXX and it is showing a balance of {$810.00} and was update as of XX/XX/XXXX. This account should NOT be updated with a balance and new date. 

I included XXXX credit reports from XXXX ; XXXX that was update as of XXXX of XXXX and another with the payment history that shows that it was charged of in XXXX of XXXX. 

This is very illegal to keep this account as " OPEN '' on my credit file and a violation of the CFPB. Please acknowledge this complaint as valid and will seek legal advice because NOTHING IS BEING DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT TRANSUNION AND XXXX ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH CINVERGENT!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE XXXX!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE CONVERGENT AGAIN
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

These inquiries were not started by me, and I have no any connections to the creditors mentioned. I urge you to promptly remove them from my credit report.
Product: Credit card or prepaid card

On or about XX/XX/2018 I made a request to PNC Bank to refund an overpayment of {$8000.00} linked to my PNC credit card. As of XX/XX/2018 PNC has refused refund the {$8000.00}.
Product: Debt collection

On  XXXX / XXXX /17 I have tried to send a dispute letter to NCAC to the address which was on my credit profile which is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    TX. XXXX  for the amount of {$4300.00}. I have received the letter back stating undeliverable. They are reporting inaccurate and false information about me to the credit bureaus. I can send proof
Product: Debt collection

I had fraud on my bank account account so I had it frozen. TPS recovery services then sent me several notices for collection of debt that I do not owe.
Product: Debt collection

BALANCE XXXX PURSUANT TO 15 USC 1692 IT IS ILLEGAL FOR A COLLECTION AGENCY TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS AND THE HARASSMENT I DO NOT KNOW WHO THEY ARE AND HAVE BINDING CONTRACT WITH THEM PLEASE COMPLETELY REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX 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/year> XXXX. XXXX  XXXX  - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a medical bill off my credit report. I did not give the hospital permission to sell my information to a third party. I keep telling the credit bureau to remove it but it has yet to be removed. This is a matter that my old employer is responsible for this bill. The company is XXXX XXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute on  XXXX   XXXX ,   XXXX   with Experian credit bureau and tried to delete inaccurate addresses, I was told to call in, in which I did. I spoke with a representative named  XXXX  from team  XXXX . She was very rude, I tried to explain to her that the addresses associated with my credit report are inaccurate and that my name is being tied up to addresses that I have never lived at. She did not want to hear my dispute, after I got off the phone with  XXXX , I received an email that my dispute was finished. I looked at my new report and nothing changed. By law my disputes are to be investigated appropriately. It was not investigated appropriately because I received an updated dispute the same day. This is not legal, just because  XXXX  did not like my disputes or what I had to say does not give her legal action or rights to close out my disputes without properly investigating.
Product: Credit card or prepaid card

Please send me the review findings of your assertion that it was determined you can no longer service any accounts for me. 
If you do not send me the findings, I consider this a hearsay which is usually disallowed as evidence in the court of law. 
Lack of supporting evidence will be me consider by me as a discrimination and discouragement to apply for your credit card. At that point I will consider to take legal action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a dispute against Experian. I mailed out a letter on XX/XX/XXXX disputing collections, inquiries and information on my credit file. It is now XX/XX/XXXX and Experian has not responded. According to the FDCPA the items I disputed must be removed. I am also disputed 2 addresses they have on my file that are incorrect. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX this is a non existing address period that is my home address with an apt number added. Experian remove this false address. 
2. XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I have never lived at this address this is an Ohio address and my home is at XXXX XXXX XXXX XXXX NC. 
I have asked Experian to update my file many times this year to remove the multiple names they have listed for me, just written differently. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX current and only address need to be showing XXXX XXXX XXXX , XXXX NC XXXX. 
They have also added back a company they removed last year in XX/XX/XXXX which is XXXX balance XXXX, this is illegal. I have attached my credit report I pulled 4mthus ago which shows this company was not on there because they was removed. This is the only collection showing on my credit file with them, because I had to contact them about 2 other collections they removed last year and placed back on my report, which is reflected in the credit report I pulled 4mths ago. 
I have even spoken to a representative to have my name and address updated and was assured it was would be completed. When I sent off my letter on XX/XX/XXXX I asked again to update my name and address, to remove all the unauthorized inquires and requested Validation not verification and I also asked them to removed collections that was stilp showing on my account. I have n't received my response letter and according to the FDCPA the items must be removed.
Product: Debt collection

ATG Credit answered to my complaint ID XXXX XXXX this : The information provided is not adequate enough for us to identify the consumer. We would need the name of the original creditor the consumer is requesting documents for. The email, phone number and address do not match any accounts in our system. 

The only thing I can help with to provide the informarmation I can see on my XXXX credit report. The original creditor is XXXX XXXX XXXX XXXX. I do not have any other information. 
If my information doesn't match any accounts in your system, please remove my account from the collection. Thank you.
Product: Credit reporting or other personal consumer reports

I am reaching out to address issue regarding incorrect personal information in my credit report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX XXXX XXXX
Product: Bank account or service

I signed up for a Key Bank account based on a bonus offer I had seen. I opened the account in person and confirmed with XXXX XXXX I was eligible. I met the bonus requirements and confirmed that I had done so. However, Key never gave me the bonus. 

I was also misled many times to believe that a resolution was forthcoming, however, it never materialized. I am now being assessed fees, I do not want the account, and I want my bonus as was promised.
Product: Checking or savings account

In 2017, I had an business checking account closed by BBVA ( now is PNC Bank ) and issued a check for the remaining balance of {$650.00}. I've never received that check and never cashed it. I've told by a BBVA representative about the check was deposited in FL at some credit union. I have been emailed the Affidavit for forery-negotiable instrument form to BBVA at XXXX a few times never heard back from them Thanks so much
Product: Debt collection

I am in receipt of a follow up dunning notice dated XX/XX/2021, that was mailed to me after GC Services documented and signed for my certified letter to their company on XX/XX/2021, which was to CEASE and DESIST and provide me with validation of debt under the FDCPA. l had sent this letter within the allotted 30 days of their original notice to collect a debt. 
I placed a call to you GC Services on XX/XX/2021 which was on a recorded line in which a manager XXXX XXXX stated in fact that the dispute letter was on file, but GC Services had sent another dunning notice. I had requested proof of debt including contract signature, signed purchases and other. As of this letter, I am not in receipt of any such demands. 
GC Services did not send any validation of the proposed debt and did not cease and desist all collection activity regarding my request but rather sent another dunning notice which is clearly a violation of the FDCPA. Furthermore, the representative that took my call neglected to read me the mini-Miranda and verify my identity although we were discussing the proposed account which is another violation of the FDCPA. Not until I spoke to XXXX XXXX was my identity verified. 
GC Services violated the law when they sent me another bill and clearly disregarded my request to provide to me validation that I owed the debt,
Product: Debt collection

NCC Business Services from Florida called me on XXXX/XXXX/15 XXXX times and asked for my mother ( I am her guardian and have POA ) but they would not tell me anything about why a debt collection company was calling her. They asked me to fax over my POA papers but I refused since I did not know who they were or what they were referring to. I thought it was over and then on XXXX/XXXX/15 the same fellow called me back. I had my mother call them and give them permission to talk to me. I called the company back later in the day and he mentioned the amount was {$2000.00} for repair of an apartment my mother had moved out of in XXXX. I thought I had paid this and told him I would look into it and call him back. When I contacted my bank, it was confirmed that I actually did pay this same amount for apartment repairs in XXXX and the bank is sending me a copy of the cleared check. So I called the company back and told them that they have the wrong information, the bill was paid and I was told to hang on. They had not asked for my name at this time or any information. It was a girl this time on the line and she came back on after a couple of minutes, apologized for the delay, and then the call was terminated. I called directly back, had the same girl, and the same termination of the call from their end. 

I reported this to the FBI and they suggested I report it to you as well. 

The name of the company they gave over the phone is NCC Business Services Debt CollectionPhone # XXXXThey were trying to get me to pay a bill which was already paid a few months ago. They are attempting to take money from the elderly. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), Account Number XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need to remove these accounts i've been sending letters in for the past 6 months.
Product: Credit reporting or other personal consumer reports

The following companies reported inquiries without my knowledge or authorization on my Equifax credit report. Someone has used my information try and obtain a vehicle. I am not aware of these inquires or the account connected to these inquires. This is not my doing and I have not authorized these companies to access my credit report. This has yet to be verified and validated. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Inquiry Date Company XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX  XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPE regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Checking or savings account

On XXXX XXXX someone had access to my account without any authorization from me. They deposited a fake check of {$25000.00} and withdrawn {$5000.00} from my checking and {$6000.00} from my savings. I saw it and I called citi bank and they did a dispute and give me a claim number and told me to wait until 90 for the investigation to complete. They write telling they need more info I mail them the info they requested. When it was about to reach 90 days they send me a letter in the mail saying they denied to give me back my money and saying investigation complete. I need my money to pay my bills because Im not working and also need it to buy me and my newborn food to eat. Please help me get my money back I will gladly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX 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: Vehicle loan or lease

In XXXX, I purchased the vehicle I had been leasing through Volvo Car Financial Services. They were paid for the vehicle plus the taxes for the state of Ohio. They sent a check to the state of Ohio for the taxes but the amount was incorrect so they voided the check. In XXXX my credit union called and asked me to call VCFS because the check had not been received. I called VCFS and was told that they had sent a check to me made out to the state of Ohio on XX/XX/XXXX and that I should wait because the postal service is running behind. On XX/XX/XXXX I contact VCFS and talked to XXXX. She submitted to have the check recut and requested that it be send overnight with a tracking number. She stated that she would call me back to confirm that it would be over nighted. She did not call back. On XX/XX/XXXX I called VCFS and talked to XXXX. She confirmed with XXXX that the check was supposed to be overnighted and promised to look into it and call me back. She did not call me back. On XX/XX/XXXX I called VCFS and talked to XXXX and then XXXX XXXX the customer service lead who tried to confirm that the check would be overnighted but could not. XXXX assured me that she will call me back.