23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Okay, so the main reason why my new account is closed because its linked to terms of violation, however my first accounts that open with cash app I had never violated anything and the reason my first account got closed is because someone has compromise my cash app debit card for my first which is under the XXXX XXXX XXXXXXXX under my email address XXXX and I noticed on my first account where someone managed to make suspicious transactions on my account activity that I do not know about so I decided to block those transactions of the people who received money from me and by the time I received my first account back, thats when cashapp decided to close my account. However my first account was compromised and there little I could do however after I regain the account back, I took fully control of my first account and I have pictures provided my cashapp card that was linked to my first account XXXX XXXXXXXX. As well so after cashapp closed my first account. I decided to open up a new account however my new account got closed due to terms of violations. So I here am I wanting to appeal this closure because my first cashapp account got hacked by a person who I dont recognize and stole my login credentials. And the reason they was able to successfully login because they had my email address in my password which after they compromise my account, I had to change my password as soon as possible. However it was too late and cashapp closed my account. So please Im begging you that those illegal activities that was a link to my first account wasnt me and I deserve to have my new account XXXX XXXXXXXX to be reopened because I dont use cashapp all the time if Im completely honest. The only time I use Cash app if Im receiving money family friends or coworkers of Im paying my barber money for the service he provides like getting a haircut. So thats my additional information that I would like you to share with you.
Product: Credit reporting or other personal consumer reports

I went to XXXX  at XXXX XXXX XXXX in XXXX MA XXXX in 2017. I have tried to pay these payments ever since and they are still showing that i still owe to the XXXX. of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers ', accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Thes failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing for years. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I received XXXX hard inquiries on my Experian credit card profile from one XXXX credit card application. The XXXX inquiries are listed below : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

There was a problem with address verification on the initial application on XX/XX/XXXX. I had to submit documentation multiple times through XXXX 's portal and docusign. Then no one from XXXX would review the documentation until I called back. 
Eventually I was approved on XX/XX/XXXX for the card after only providing my IRS XXXX confirmation letter. However, this had already been supplied on XX/XX/XXXX per XXXX records. As a result, I should have been approved for the card within XXXX  days of the initial application date of XX/XX/XXXX, therefore only resulting in one hard pull. Please remove one of the duplicate hard pulls.

I tried to resolve the matter directly with XXXX, and their reprensentative said " hard pulls are not necessarily bad '' ( This is a completely false statement as hard pulls always result in a person 's credit score declining which is objectionally " bad ''. ). XXXX also stated they have the right to pull my credit report as many times as necessary which doesn't seem right.
Product: Money transfer, virtual currency, or money service

XXXX totaling to {$900.00} were paid to XXXX XXXX XXXX via XXXX deposited to an account they had in Wells Fargo. Turns out the school had closed their account, and the XXXX  that were paid from XXXX of my banks were never returned to me from Wellsfargo. 
XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$260.00} The school confirmed they closed their account, however I was not aware. I've contacted Wellsfargo, however since I don't have an account they say they can not help me. The school went to Wellsfargo and they stated Wellfargo told them they don't know where that money is. I contacted the XXXX, they were not helpful at all. I have been trying to get my money back for months now. I have letters from my banks stating the dates the amounts were debited from my account and credited to the account in Wells Fargo. They even provided trace numbers. I really need help.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have never applied for any credit products from the companies listed in this FTC report. I have not authorized any such company to use my credit profile for obtaining services or goods. Please remove these fraudulent hard inquiries.
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 XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have student loans from XXXX XXXX called XXXX loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX to the new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. As of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using XXXX but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all 3 credit bureaus ( XXXX, XXXX, Equifax ) Regards, XXXX XXXX XXXX XXXX*FCRA, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Product: Credit card

On XXXX XXXX, 2015 we decided to purchase new appliances from Lowe 's in XXXX ( XXXX # XXXX ). The total amounted to {$5100.00}. I offered to pay for these items with my existing XXXX XXXX to earn miles on XXXX XXXX, this is what I usually do for any large expenditure. However, I was advised to apply for a Lowe 's credit card to receive an additional 5 % discount off our purchase. That additional discount would amount to approximately {$250.00}. I was approved for the Lowe 's credit card at the Customer Service counter then proceeded in finalizing the transaction. Since the transaction was a bit complicated, it was n't until I got home and later reviewed our receipts that I noticed we did not receive the 5 % discount for using the Lowe 's credit card. I have emailed Lowe 's customer service, spoke to the Assistant Manager, requested assistance from upper management but to no avail. Now they do n't return phone calls and my only communication is with Lowe 's Customer Service, located on the mainland. 
I would have never applied for a credit card that charges 24 % + interest if I were n't able to receive a XXXX % discount. I have other credit cards I prefer to use. I believe we were misled and ill advised. In the promotional material from Lowe 's at the store and in the mailings I have received from Lowe 's when I received their credit card it states " XXXX % off every day. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly ask you to clarify the situation and help me to understand why I have these strange unknow accounts in my credit report. I do not recognize these accounts and feel that its misleading information. I want you to ask to apply investigation and remove these unknown accounts. Thank you for your help and support
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnionXXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit card

Someone at an Old Navy store opened an Old Navy Visa account for me XX/XX/2016. They put the wrong address for me into the computer and their computers were down, so the typical process of checking your address on the screen of the credit card machine did n't occur. Fast forward, now it is 11 months later and my credit card is in collections. I only used the receipt to purchase goods in the store and one other time had the person in the store look up my account. I never received the card in the mail. After getting my credit report, I saw that the account was listed under the same address but different city state. This means that all the statements and card were sent to a completely different address. Now my credit has negatively been affected and the amount that I owe XXXX is in collections with a shoddy debt collection company. The solution that I would like is for me to pay the debt and not get the run around by the debt company and for the record of this debt to be expunged from my credit report.
Product: Debt collection

In XX/XX/2018 we moved from XXXX XXXX XXXX, XXXX XXXX, NJ to our current address. We had to cancel our XXXX XXXX service and they sent a box and prepaid XXXX  ground label, tracking number XXXX to return their equipment. The equipment was sent back on XX/XX/2018 and received at their facility in XXXX, PA on XX/XX/2018 at XXXX. Despite having concrete evidence the equipment was returned, XXXX billed me for the equipment. I'd call, give the tracking number, be told it would be taken care of and just get a new bill. XXXX then sent it off to collections and I've been being harassed by collection agencies since. The collection companies, upon being told by me the " debt '' doesn't exist, simply pass it off to another company. I am currently in receipt if a notice from Convergent, their reference XXXX demanding payment. This is at least the 2nd, if not the third time Convergent has handled this same debt. Please note this matter has also impacted my credit report. Can you please advise how to resolve this matter? Many thanks in advance for your kind attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, AVANT XXXX is inaccurately reporting a balance amount of {$570.00} and {$510.00} on my credit report for an account that has been charged off and resold to another creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a copy of Official Form 106G Schedule G : Executory Contracts and Unexpired Leases. Outlining proof that my lease with XXXX XXXX XXXX XXXX was excluded from my XXXX  XXXX bankruptcy filed on XX/XX/2021. XXXX XXXX should be reporting my payments as well as reflecting the account is indeed still opened and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. states I have the right to privacy.

It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are violating my rights! I sent disputes which you arnt investigating. I have electronic trracking saying you Equifax received my dispute via fax XX/XX/23 at XXXX XXXX XXXX. I have information from USPS saying you received my dispute in the mail XX/XX/23 at XXXX XXXX XXXX XXXX Why are you not doing a proper investigation. Delete these inquiries. You need to re investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with DCS/Division of Child SupportXXXX , is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this DCS/Division of Child Support account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report . The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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, block the noteworthy of any information in my credit record that came about due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. 
You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! 
I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately
Product: Checking or savings account

XX/XX/year> a dispute was submitted to USAA Bank regarding disputed charges for merchandise purchased from XXXX. XXXX, merchant refuse to issue a return for defective merchandise purchased. Items were dame and incorrect size and very poor quality. Amount in question were {$110.00}. USAA issue credit, however reversed the credit. We provided USAA with purchase documents and a statement regarding our claim. We provided emails documents we try with merchant to resolve the matter but refuse to issue an authorized return.
Product: Mortgage

Wells Fargo home bank has securitized my mortgage and stolen money from my escrow account and owes me funds that was never applied to my account. They have also created multiple accounts in my name. The original servicer was ASC and is Now Wells Fargo Home Bank with a different fraudulent account number. I want full accounting and disclosure on Loan. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST I am writing to you to dispute the accounting and servicing of my mortgage, and to inform you of my need for additional information regarding various charges, credits, debits, transactions, reversals, actions, payments, analyses, and records related to the servicing of my loan from its origination to date. To date, the documents and information you have sent me, and the conversations with your service representatives, have not answered my questions. 

Because of concerns regarding predatory lending, I am disputing the validity of the current debt you claim I owe, including, without limitation, the principal balance, calculated monthly payment, calculated escrow payment, and any fees claimed to be owed and any trust or entity you may represent or service. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST
Product: Credit card or prepaid card

I have a loan with MODERN FINANCE COMPANY. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and MODERN FINANCE COMPANY with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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