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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX 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

The response from XXXX  XXXX XXXX is false. XXXX  stated several times that they never received any response from XXXX XXXX XXXX or FACTUAL DATA to remove this Hard Inquiry from my credit report that was requested by XXXX XXXX in the first place. There have been no documents given to me showing that Transunion was notified of the hard Inquiry from XXXX XXXX XXXX or FACTUAL DATA. 
I have also Been Harassed by XXXX XXXX with Text messages and repeated Phone calls all different times of the day and night. This company XXXX XXXX has harassed me and damaged my Credit report regarding a loan I did not authorized or request. XXXX XXXX has not done all that could have been done to correct the Hard Inquiry in my credit report. Then harass me on top of it. Then threaten me in a letter stating that if I file further complaints, it would be marked as a duplicate when my Issue is still unresolved. The issue is still not resolved and I plan to exercise my legal right against XXXX XXXX. I will also be filing complaints with the Attorney General as well. Unresolved prior complaint below. 


I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agencies to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX  XXXX Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from XXXX XXXX XXXX via FACTUAL DATA is still in my XXXX  credit report. I was informed in the attached letter from XXXX  XXXX, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my XXXX  credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Product: Credit reporting or other personal consumer reports

I lived in XXXX XXXX XXXX for several years, untiXXXX XXXX ( I think ). XXXX they did my walk through after I moved out, I was signing papers for my house at the same time so I couldnt attend. I received a call saying that everything went fine and I should receive back some of my deposit but I would have to pay for a door. A month later, I got a XXXX bill bc they stated they had to replace my entire carpet. I immediately tried calling telling them that I was told by the lady who showed me the apt that they change the carpet bt each owner and she said they didnt do that anymore and I had to pay. I believe bc I was told something different I shouldnt have to pay. Its not my fault that the new company does things different.
Product: Credit reporting or other personal consumer reports

Greetings! There are two unknown hard inquiries that have shown up on my personal credit report in the past week that were not initiated by me personally. I do not recognize these inquiries and they are fraudulently reporting on my credit report which is causing damage to my personal life.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


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

This is my complaint to inform you that I am a victim of identity theft. I found certain items in my file resulting from the crime. Please have this investigate and have this items be deleted on my file as fast as you could. The item I am disputing do not relate to any transactions. Based on FCRA Section 605b, It was the responsibility of the 3 credit bureaus to remove some inaccurate information which are not belong to the owner. These following items should be deleted as they were fraudulent : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Refinance was refused due to improper appraisal. I was charged for incorrect appraisal. Appraiser did not know market area ; did not perform a complete inspection ; included blatantly false and misleading statements on appraisal ; did not use similar properties in similar locations for comparable values ; misidentified zoning classification ; misidentified neighborhood and amenities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Amount : {$1300.00} I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists. 

Also In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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

I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX/XXXX with no successful resolution. XXXX, XXXX, and XXXX   only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act ( XXXX Account number XXXX ) ( XXXX XXXX XXXX Account number XXXX ), ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry XXXX XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/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
Product: Money transfer, virtual currency, or money service

I DID TRANSFER WITH WORLDREMIT TO DEPOSIT {$1000.00} IN XXXX XXXX TO TAKE OF MY ELDERLY PARENT ON XXXX DAY OF XX/XX/2023 AND THE MONEY WAS NOT DEPOSITED AS PROMISED DESPITE THAT THEY SENT EMAIL THAT THE MONEY IS DEPOSITED IN TO THE ACCOUNT. ON THE XXXX DAY OF XXXX, I CALLED AND COMPLAINED TO THE COMPANY. THEY REQUESTED THE BANK STATEMENT TO CONFIRM AND I DID AND SINCE THEN, I HAVE BEEN SENDING EMAILS AND CALLS BUT NO POSITIVE RESONSE THAN TO BE PATIENT WITH THEM. I SPOKE TO ONE MANAGER NAMED XXXX AND SHE PROMISED TO RESOLVE THE ISSUE THAT IT WAS THEIR LOCAL AGENT THAT CAUSED THE PROBLEM BUT TILL NOW MY MONEY IS NOT PAID OR REFUNDED BACK TO MY ACCOUNT. PLEASE HELP ME OUT.
Product: Checking or savings account

Xref : complaint ID XXXX XXXX story short, one of these financial institutions has essentially stolen {$490.00} from me, and neither will acknowledge. 

On XX/XX/year>, I instructed my financial institution Dave.com to issue a check to my private party mortgage holder and send it directly to her bank XXXX XXXX  XXXX XXXX ). 

On XX/XX/year>, my private party mortgage holder advised that XXXX  XXXX XXXX had charged her account for a returned item. I subsequently deposited another payment for XXXX, and followed up with Dave.com. 

After multiple emails, letters and telephone conversations, Dave.com insists that the check was successfully cashed and provided a canceled check as proof of payment. 

I wrote to XXXX XXXX XXXX on XX/XX/year> with a copy of their returned item as well as proof of payment from Dave.com. I received no response. '' I filed a first complaint with CNFB ( XXXX ) and received a response from XXXX XXXX XXXX that they had made no error, and refused my complaint, Documentation of both the returned item and canceled check are attached to the cross referenced complaint, One of these financial institutions has my funds, and I want then returned.
Product: Checking or savings account

XX/XX/2022 XXXX Capital One Bank knows that their ATMs are faulty and that they regularly take customers. I spoke with a member of one of their branch locations and they stated that their ATMs regularly take customers deposits and that customers are forced to wait for a credit from the bank. While I know there are federal regulations in place to protect customers and for them to be able to file disputes, however if Capital One Bank and their staff are aware of the issues revolving their ATMs and are failing to remediate the situation seems like something that should be further investigated by you. I made a deposit of {$1400.00} into their ATM at their XXXX XXXX, MD location and was told by their claims department that I would receive a credit between 1 hour and 10 days from now. How many other customers are having their deposits going missing and have to wait for credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX MS XXXX ; XXXX XXXX XXXX XXXX XXXX MS XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$2000.00} ; XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been with LoanCare for the past 10 months and on XX/XX/XXXX i  refinanced my mortgage with another lender. LoanCare sent my escrow in to cover my taxes 10 days prior to close knowing I was in a refinance. The tax office sent a {$2300.00} refund back to LoanCares 3rd party tax office XXXX which in return sent the refund back to LoanCare once it was processed. LoanCare received the refund at their office on XX/XX/XXXX. I have called numerous times and spoke with 3 different supervisors who have stated that they have escalated the refund information to their tax office to issue a check to me. I have called everyday and get different information as to the status of my refund. XXXX received the refund from the county tax office back in XXXX after I closed.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to re-investigate these accounts listed below because XXXX XXXX XXXX open date is not reporting correctly, I did not open this account, account has been charged off, still reporting negatively on my report, this account is not accurate XXXX XXXX XXXX  this account is not accurate, account has been charged off, I did not open an account with his lender, reporting negatively on my report, XXXX XXXX this account is not accurate, account has been charged off, reporting negatively on my report XXXX XXXX XXXX XXXX XXXXXXXX this account is not accurate, I do not own this account, reporting negatively on my report, open date is reporting incorrectly XXXX XXXX XXXX this account is not accurate, reporting negatively on my report, account is paid off XXXX XXXX XXXX XXXX I never had a contract with this debt collector, this account is inaccurate,
Product: Credit reporting or other personal consumer reports

XXXX XXXX is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times? 
According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.
Product: Debt collection

During Covid p to present experienced financial hardship, strain and health issues due to taking care of my elder parents. I let my personal business fall by the wayside especially, morning two unexpected deaths of my grandparents during the time. I tried to reach out to the credit companies to try to figure out a way to pay back before going to collections and was placed on an agreement of which I completed. I reached out to continue to contact to try and be put on another agreement and was just recently denied. The company will be sending mu account to collections. 


Discover XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally request the removal of all negative information from my credit profile due to significant concerns surrounding data security breaches and inadequate dispute investigations that have recently come to light.

As you are likely aware, XXXX was involved in a major data breach, exposing sensitive personal and financial data of millions of consumers, including myself. This breach has raised concerns about the accuracy and security of the data currently being held and reported by your credit bureau. Given the gravity of this issue, I believe that it is reasonable to request that all negative items be removed from my credit report until a thorough and independent review can confirm the accuracy and integrity of the information associated with my profile. 
Additionally, Experian is currently under investigation by the Consumer Financial Protection Bureau ( CFPB ) for its failure to properly investigate consumer disputes, leading to inaccurate or incomplete information remaining on credit reports. As a consumer, I am entitled to an accurate and fair representation of my credit history, and I am requesting that you act accordingly to ensure that no erroneous or unfair negative items remain on my credit file, especially in light of the ongoing legal scrutiny of the credit reporting process. 
Therefore, I respectfully request the immediate removal of all negative information from my credit profile. I understand that federal law provides rights to consumers regarding the accuracy and integrity of the information on their credit reports, and I trust that you will act in good faith to ensure that my credit history is a fair and accurate reflection of my financial conduct. 
Please confirm the removal of these items in writing at your earliest convenience. Should you require any further documentation or verification from my end, I would be happy to provide it. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX THIS ACCOUNT WAS REMOVE FROM MY RECORDS DUE TO NEGLANCE REGARDING LEASE AGREEMENT. WHERE I WON INSIDE THE COURTS IN MY FAVOR. EVERY BUREAU REMOVE IT EXCEPT TRANSUNION AND THIS UNACCEPTABLE.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian on numerous occasions about them furnishing information i did not give them permission to. They are violating me as a consumer at this point this is aggravated identity theft
Product: Debt collection

Attempted to settle the debt, they asked for multiple personal details ( rent, dependents, etc ) I refused to give that information. I asked for a manager. The woman was instantly aggressive and began yelling at me. She was yelling that I owe this debt I have to pay it etc. I couldnt get a word in to explain I was attempting to settle the debt, so I got frustrated reacted and hung up. After that they tried to put a duplicate collection on my XXXX credit report, which I had to dispute.
Product: Credit reporting or other personal consumer reports

There is collection & derogatory also unauthorized inquiry in my credit report. I contacted XXXX, XXXX, equifax, about the matter I asked for any proof that I initiated any inquiries they have yet to give me anything. Ive had identity theft in pass so I mentioned it can be from that as well. The things are out dated starting from 2007. These things are causing hardships in my life Im unable to obtain credit and having trouble with getting apartment. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my Experian credit reports that do not belong to me. I have disputed these accounts and they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX XXXX # XXXX, 2. XXXX Acct # XXXX, 3.  XXXX XXXX Acct # XXXX. These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am now opting out of any and all authorization, I the consumer did not give XXXX, XXXX, Transunion, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, nor XXXX XXXX XXXX my written unwritten verbal and nonverbal consent to furnish my information per 12 CFR 1016.7 ( h ) 15 U.S. Code 6802 ( a ) ( 1 ) ( B ) 15 U.S. Code 1681 ( b ). 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX are not maintaining reasonable procedures. I want all charge offs deleted for being certificates of indebtedness and late payments removed for being transactions per the Privacy Act of 1974 5 U.S. Code 552 ( a ). I also want all hard inquiries removed, all phone numbers deleted besides XXXX XXXX XXXX XXXX  due to inaccuracies, have all addresses removed for being a non-mailable address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX, and student loans removed per 34 CFR 99.31 and The Famiy Educational Rights and Privacy Act 20 U.S. Code 1232 ( g ) because my written consent was not given in order for you to release my information. I expect compliance per 15 U.S. Code 6805 - Enforcement
Product: Checking or savings account

On the morning of XX/XX/2022, I was notified via text that my Ally Bank debit card may have been used in a fraudulent transaction. When I attempted to call into Ally Bank to dispute the charge, I was told it was a nearly 2 hour wait, which is very abnormal because Ally usually has very low wait times. 

After doing some research, it seems like many users of Ally Bank debit cards experienced similar cases of fraudulent transactions on their Ally debit cards over the past week or so. ( I found many similar cases on XXXX at XXXX  ). 

It appears that Ally Bank has had some kind of hack or data leak take place for so many Debit Card uses to suddenly experience fraudulent charges in such a short period of time. It also seems like this issue has been going on for many days and Ally has not yet made a statement. I think this is to protect their stakeholders while they continue to leave customers in the lurch.