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

I would like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX Account Number XXXX XXXX {$160.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiryXXXX
Product: Credit card

My XXXX rewards is trying to steal my firearms thru Marcus. 
Last XXXX of card XXXX XXXX XXXX XXXX XX/XX/year> They are controlled items and must be delivered to my home address. Said item has been put on hold for 2 months due to attempted identity theft.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose 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 instruction of the consumer to whom it relates. I consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

Back in XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX, illegally took XXXX out of my checking through a court order. I called the firm to let them know that I knew nothing about the account theyre referring to and requested that I get my money back, but the law firm has been refusing to give me my money back. I have been going back and forth the them since XX/XX/2023, but they been refusing to refund my money. I just would like to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and leaked by someone I do not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$0.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A Unauthorized account INQUIRES and Unknown address XXXX XXXX XXXX XXXX, MI XXXX on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX  XX/XX/2019,. 
Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In  accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer social security number : XXXX. Consumer DOB : XX/XX/1996. This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C -1681c-2 ) that'd be you. The Experian, XXXX, XXXXn credit reporting agency block Information appearing on my consumer credit report that is the result of Identity theft and Fraud withing 5 days of you receiving this Complaint, This Fraudulent, inaccurate and False Information has Charge off 's from XXXX XXXX for {$100.00} for Experian but shows as {$300.00} FOR XXXX. XXXX XXXX for {$140.00} for and Collections from XXXX for {$860.00}, XXXX is showing for {$100.00} on one account then XXXX on another account. XXXX XXXX for {$990.00}, XXXXXXXX XXXX for {$830.00} and XXXX XXXX XXXX these are accounts ranging from the last 3 years and I have never been informed of ay of it as I've been homeless the last 7 years in and out of shelters. I do not recognize these accounts being reported. I will attach the copy of the FTC Identity theft Criminal report Complaint NUMBER XXXX as proof from the US Federal trade commission that all mentioned are the result of Identity fraud. XXXX had XXXX Hard Inquiries needed to be removed and XXXX had 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

15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance.

15 USC 1681c ( 2 ) ( 4 ) - information is not related to me
Product: Debt collection

This company ( XXXX XXXX  XXXX ) contacted me several times, and has been informed several times the debt has been paid. They have never once, until today given me a way to prove that the debt was paid. In the past, they have hung up on me once I have told them the debt is resolved, that I have the evidence of such, ect. They claim that they have been trying to contact me, which when I have answered their harassing calls from the same numbers, they never told me the company they are from. 

It is my belief that Kay Jewelers is attempting to collect this debt or this company is attempting to collect this debt fraudulently, and they are harassing me over it.
Product: Credit card

I closed my credit card with USAA. Months later a merchant refunded money to them, and they reopened the account without asking me. Furthermore, since I no longer have a physical card, I have no way to get my money from it outside of a cash advance which has a fee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under FCRA and Consumer Law To Whom It May Concern, 1 am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( ECRA ) 15 lIC C 81681i which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX  failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. $ 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations XXXX to handle this dispute witn utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX  These Are The Accounts, I marked inaccurate. 
SELF/XXXX XXXX XXXX XXXX SELF FINANCIAL/LEAD XXXX XXXX XXXX SELF/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL/LEAD BA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, an unauthorized payment was charged to my cash app account in the amount of {$59.00} dollars from XXXX XXXX. On XX/XX/XXXX, Ive attempted to reach out to the merchant but I was unable to get ahold of anyone. I Then reached out to cash apps customer service on XX/XX/XXXX as well and they still have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 u.s.c. 1681 Account Name... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... 15 u.s.c 1681 section 602 A. state 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.. 15 u.s.c. 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reports containing any of the adverse item of information, other than record 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I kindly request that you promptly remove this unauthorized inquiry from my credit report. I have enclosed a copy of my credit report highlighting the disputed inquiry, as well as supporting documentation that verifies my claim.
Product: Money transfer, virtual currency, or money service

I have had an account with Veem for some time and today, I received a somewhat large ( to me ) payment from a client for a deposit on funds I need to access today to complete work for them. 

Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. 

The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. 

So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because Veem is withholding my money.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit card

I was informed my Sam 's Club account had been closed yesterday after making my required payment ( over the phone today ) without any written warnings from this creditor, I 've been paying on my account monthly and my credit limit was {$1000.00}, I only used {$450.00} in credit. The online account summary states my account is open. They had previously closed my account due to a lost card and made my credit score go down XXXX points. I believe they are practicing unfair credit practices. I 'm requesting my current account be reinstated and a letter issued to all XXXX credit reporting agencies explaining the closing of the previous account due to a lost card.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. States l have the right to privacy.

15 u.s.c 1681 section 604 A sectio 2 : lt also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2024, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

Thank you very much. 

XXXX XXXX
Product: Mortgage

We are filing a complaint against SunTrust Mortgage Inc. which relates to our current Construction Loan. SunTrust is currently holding {$29000.00} of construction loan funds and is not responding to our numerous requests to move our loan to a permanent loan vehicle. The deadline for loan conversion was XXXX/XXXX/XXXX. Due to the persistent unresponsiveness of SunTrust representatives, we have been forced into a default situation, which has now been referred to counsel. Despite repeated attempts to contact SunTrust representatives, our attorney has been unable to even schedule a telephone meeting with anyone from SunTrust. At this point, we are likely incurring extra fees and interest charges. We would move our business elsewhere, but, due to a lien claim filed by our General Contractor, another institution can not process a new mortgage, which would convert the construction loan to permanent. 

Background : On XXXX/XXXX/XXXX, my husband and I signed a contract to build a custom home with XXXX XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, we closed on a Construction Loan with SunTrust. 

We raised some significant design issues with the builder in XXXX XXXX. After repeated denials to resolve or discuss the issues, we engaged legal counsel for guidance. The Builder became irritated and began taking confrontational actions from this point. 

The builder informed us in writing that he would not allow us to move into our home until we fired our counsel, despite the fact that the Builder dealt with us through counsel. 
Our scheduled move in date was XXXX/XXXX/XXXX. 
Per our contract, we are required to resolve disputes via XXXX. 

After unexplained and possibly intentional delays caused by the builder, the Certificate of Occupancy for the home was finally received on XXXX/XXXX/XXXX. 

The Builder requested a final inspection by SunTrust for the final draw. 
The SunTrust Inspector found that there was no vanity/sink installed in the powder room and could not mark the home at 100 % complete in order to authorize release of the final payment. 

On XXXX/XXXX/XXXX, a Loan Originator from SunTrust, XXXX XXXX, who had not previously been involved on this matter, called the Builder to advise him that we were intentionally withholding funds, which was a false statement. 
The Builder sent us an email and promptly filed a lien on the property. 
We received a filed Claim of Lien via certified mail on XXXX/XXXX/XXXX. 

Due to the pending lien claim, SunTrust issued a " cease funding notice '' on XXXX/XXXX/XXXX.
Product: Money transfer, virtual currency, or money service

The only way to get my money out of XXXX XXXX Account in excess of $ XXXXmo is to wire transfer it to another institution with a fee of {$25.00}. I attempted to transfer {$50.00} ; XXXX from XXXX XXXX to my Chase Bank Private Client checking account so I could set up a new investment account with them. The transfer was to take place XX/XX/2022. I spoke to XXXX Wire Transfer department who said everything looks good and the transfer went through. On XX/XX/2022 I notice that there was a {$49000.00} deposit into XXXX XXXX account with a {$15.00} fee. I asked XXXX what was that about and they said Chase rejected the transfer and kept {$50.00} of my money. XXXX refunded {$15.00} for the inbound transfer fee since I wasnt the one who requested it. I called Chase and they said theyve never received a wire transfer for that amount this year and did not charge me a {$50.00} fee. I called XXXX back and they said it was Chase that kept the {$50.00} and gave me a Federal transaction number for Chase to look it up. I called Chase on XX/XX/2022 and gave them the transaction number and they said they needed 48 hours to investigate it. I called them back XX/XX/2022 and they said the reason it got rejected was it didnt have my name, just my checking account number so they took {$50.00} and sent the rest back to XXXX XXXX I asked for proof of this transaction and charge in writing and they said they were unable to provide that. I find this highly unethical. I searched everywhere I could look online for Chase rules on wire transfers and fees and never found any of what Ive witnessed, therefore, to me, this feels like Ive been robbed.
Product: Credit card

Less than XXXX weeks ago Kohls credit cards were being issued by Capital One. I received a replacement card XX/XX/year>, but requested it not be activated because it was a Visa card to be used everywhere. I wanted only the store card. I was told that could be but had to be reissued by Capital. I was to contact Kohls store for their credit card, which in turn automatically sent me to Capital One. I wanted to use my current Kolhs for the weekend 40 % off discount. Told I could do that and my card was good until XX/XX/year> and then i would have to request a new one. My store card was cancelled and couldn't be used. Again, they wanted me to activate the Visa card. I called a XXXX time, explained what happened and was told it was Visa card or nothing. I called a XXXX time, XX/XX/year>, the representative supposed took care of it and issuing a new STORE card only. They asked for my ss and other personal information. Next day of XXXX I received notification from XXXX that my SS and personal information is on the dark web. Today, XX/XX/year>, I received XXXX notifications from Capital one congratulating me on my new Visa card. I spoke with 3 people today. One representative stating I was processed incorrectly as a new applicant and she would take care of it, send a cc for Store only and not activate the first new Visa, haven't received the other yet. 

It was after the sixth person did they connect to their fraud customer service in XXXX FL to ask what are they going to do about getting my info on the dark web. Prior to this connection the previous XXXX representatives had no idea where to send me. Asked to speak to a supervisor only to be left on hold for long periods of time and to say no one available. The FL representative gave me XXXX # for ID theft and to request fraud alert. He would straighten out the store credit card with Kohls. I was then hearing prerecorded message from Kohls about their store cc, online, return options. No idea if he did anything. I will wait for the mail to see what arrives. 

Due to Capital One mishandling, I have received at least XXXX emails from XXXX in XXXX FL about a rental contract. I haven't left the state or rented a car in years. Spam or scam, time will tell if they claim I owe them a car.
Product: Credit card

Website no longer shows promotional balance total or each promotional purchase balance expiration dates leaving consumers are risk of paying thousands in deferred interest simply because these terms are hidden on the website. I've complained for two months about this with no resolution.
Product: Credit card or prepaid card

On XX/XX/2022, I paid the ENTIRE balance due on my Capital One credit card of {$160.00}. After paying this, on XX/XX/2022, I was assessed ( unknowingly ) an interest charge of {$3.00}. On XX/XX/2022, I was assessed a past due fee on the " interest charge '' of {$3.00}. On XX/XX/2022, I was charged XXXX interest on the past due fee and the interest fees. On XX/XX/2022, I was charged another {$6.00} past due fee. And on XX/XX/2022, I was charged XXXX for interest AGAIN. 
THIS IS PREDATORY LENDING AT ITS FINEST. I PAID THE ACCOUNT IN FULL. MY BALANCE WAS XXXX. 

AND ON TOP OF ALL OF THAT, I NOW HAVE A LATE PAYMENT ON MY CREDIT REPORT FOR THE {$3.00} INTEREST CHARGE THAT WAS ASSESSED ON A XXXX BALANCE. 

I SPENT OVER AN HOUR ON THE PHONE WITH TWO DIFFERENT ASSOCIATES, THE LAST BEING XXXX, EMPLOYEE ID # XXXX