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

The Inquiry transactions - XXXX XXXX  Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, was not made by XXXX XXXX. These inquiries were placed on the consumer report of XXXX XXXX by XXXX, TRANSUNION, XXXX fraudulently and by way of identity theft. It was a violation of 15 U.S. Code 1681c2 in the very least. XXXX XXXX never gave XXXX written consent as according to U.S.A. law, to furnish the inquiry information on the consumer report. No evidence of such written consent is in existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts, I like to resolve this with American express themselves I was unsuccessful. Every time I called I was given false promises and it is very well-documented. 


It all began when I realized 4 fraudulent transactions on my American Express credit card, and in accordance with the fear credit billing act and terms and conditions from America express that I am not liable for FRAUD. 

Turns out, after my first call to notify American Express they did indeed give me a temporary credit until they finish investigating. However they reversed it with no explanation. 

I then got numerous letter from American Express that due to the nature of the fraud claim they are unable to help me ( thereby liable to pay it ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Hello this is the third time that I've tried to get the collection companies to verify and check to see that these companies are correct and if not correct to be taken off of my account. I don't know where they got some of these companies from but here they are. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I don't know who these companies are so I would expect you to verify these accounts and check them. If these companies can't be verified then delete them from my account at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company by the name of Enhanced Recovery added information to my report that included account information from another state. After calling to try and resolve this issue numerous times, the company continuously added the information to my report over and over after i worked so hard on my report. The account clearly was fraud and the company only seem to care about adding it to the credit report of anyone to try and collect the debt!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX, Amount {$3300.00}, Account # XXXX Account : XXXX XXXX XXXX Amount {$790.00}, Account # XXXX Account : XXXX XXXX XXXX, Amount {$3900.00}, Account # XXXX Account : XXXX XXXX, Amount {$510.00}, Account # XXXX Account : XXXX  XXXX, Amount {$740.00}, Account # XXXX Account : XXXX XXXX XXXX XXXX, Amount {$26000.00}, Account # XXXX Account : XXXX, Amount {$2800.00}, Account # XXXX Inquiries : XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit card or prepaid card

My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Navy Federal Credit Union Card Card XXXX XXXX XXXX XXXX XX/XX/XXXX Notified Navy Federal of fraud charges on my account on XX/XX/XXXX, XX/XX/XXXX. and again on XX/XX/XXXX to no avail. 

The fraud charges are : XX/XX/XXXX XXXX {$420.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX  bill {$1.00} XX/XX/XXXX XXXX  bill {$39.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX bill {$39.00} XX/XX/XXXX XXXX bill {$29.00} -- -- -- -- -- -- -- -- Total on XX/XX/XXXX {$620.00} And likely more charges since then. 
I sent USPS mail every month and they simply ignore it. Asked them to cancel the card as fraud and send a new one to stop the fraud and it is my requests go on deaf ears.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposit. 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 am requesting your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Equifax account and all of a sudden I had a Fraud Alert as one Co. alerted me when they try to check my credit report, they could not. That Co. was a landlord in a place I trying to move in. So that was ok, but what happened with the Fraud Alert? I did not initiated. On their website the member can initiate a Fraud Alert him/her self. But there is no way for the member to remove it. Can NOT remove it? ( why? ) I had a dispute in XXXX, but that was resolved and case was closed. 
Than I had to call Equifax. Finally after several persons and several hours, the person tells me that he can remove it but I need to Fax over a copy of my Driver License and my Social Security card also one copy of a utility bill. 
Because I'm in a desperate situation to move into my new home I did Fax to the number were given to me by Equifax person. 
1- If the member can initiate an Fraud Alarm, how come we can not remove it. ( Their answer was : Security reason ) That I think is a bit overstatement for this isssue. 
2 - They should not ask for any copies of documents like Social Security Card or Driver Licence over Fax. ( Where is the security here? ) Also when we call they asking for Social Security number on the phone. ( where is security here? )
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX 2017 I FILED A DISPUTE WITH THE 3 CREDIT REPORTING AGENCIES REGARDING AN ERROR ON A WELLS FARGO MORTGAGE PAYMENT STATUS. I RECEIVED A NOTIFICATION YESTERDAY FROM XXXX THAT AS A RESULT OF MY DISPUTE THE ENTIRE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE. THE ACCOUNT IS OPEN, IN GOOD STANDING AND HAS A BALANCE OF OVER $ 30K. I DONT KNOW HOW MY DISPUTING A LATE PAYMENT STATUS WOULD RESULT IN THIS ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. EACH TIME I TRY TO DISPUTE THIS ITEM, IT HAS IMPACTED MY CREDIT SCORE NEGATIVELY. THE PREVIOUS DISPUTE DROPPED MY CREDIT SCORE BY 48 POINTS, AS THE ONLY CHANGES AT THAT TIME WERE THAT I PAID ANOTHER ACCT IN FULL AND MY CREDIT LIMIT WAS RAISED BY ANOTHER CREDITOR.
Product: Checking or savings account

I opened a lifegreen checking account on  XXXX . I called to inquire about the details of account promotion and was told that i needed to have  10  transactions take place in the first 90 days of account opening and i would get {$400.00}. I did this ( 9 debit transactions and  1  direct deposit ), but now am told i do n't qualify because it had to be 10 debit transactions - not  10 t ransactions total.     I am disappointed because i took notes on exactly what i had to do. I inquired with regions and was told they would do an investigation. When i inquired again about the outcome of the investigation i was told that they might or might not tell me about the results of the investigation. This does n't make any sense to me on why the ca n't tell me what they found when they went back to listen to phone records.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I made the mistake of not bridging the original transaction, because of my newness to this industry. I have sent {$18000.00} to the hash address at XXXX in coinbase. This was a mistake obviously and the transaction shows my funds just sitting there but not in coinbase. 

I filed a Case # XXXX to Coinbase to access help to make my funds available on my coinbase account, through the XXXX coin using that particular coins transaction hash ( address ) to accomplish this transfer. 
I was told that coinbase couldn't find my transaction hash on XXXX, and rightfully so, because this wasn't done on XXXX, but was done on XXXX., this is a XXXX transaction whereby I made apparently made 2 mistakes by not bridging my XXXX coin funds from XXXX ( XXXX XXXX ) to XXXX blockchain, through XXXX a ( XXXX XXXX ) exchange and by mistake, ( DUE TO POOR DISCLOSURE ) approved my transaction, that shouldn't have been permissible to go through, to XXXX XXXX transaction hash address. 
-- Mistake # 1 I tried sending my XXXX XXXX to my XXXX XXXX hash address ( obviously not the correct way ) according to XXXX wallet, who still allows you to continue with your transaction, even though it's going to not work. 
Mistake # 2 I didn't Bridge to XXXX XXXX as they call Exchanges like Coinbase and XXXX XXXX XXXX. This creates the need for a bridge ; which, is not explained very well XXXX XXXX the XXXX XXXX XXXX site. I thought I was doing this correctly AND HAD NO POP-UPS TO STOP MY ACTIONS, only to find out I didn't and now have over {$18000.00} trapped in Cyberspace, that I can not access. 

THE URL BELOW IS THE LEDGER OF MY TRANSACTION SHOWING MY MONEY JUST SITTING THERE UNABLE TO BE ACCESSED : https : XXXX
Product: Mortgage

I am XXXX XXXX woman who became very ill with a long term illness and had lost my husband. I had a XXXX XXXX. I have applied several times for a modification. The lender after many attempts finally acknowledged that I submitted a full package.. How ever the lender did not tell me about my denial until approximately two weeks later by their attorney. Please note that my initial mortgage was a pick a payment mortgage.

The lender says that they will not give me an modification because their desktop appraisal is too high. Prior to this they told me I was not getting a modification because I defaulted on a previous one. Ironically, they did not ask for an interior appraisal which would have resulted in a much less valuation.. I believe that no matter what I say or provide them they will not modify my loan. All I keep hearing is sell or refinance somewhere else. 
I believe that these actions are discriminatory because of my medical condition and race. I have seen others get streamline modifications without even applying for a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

On XX/XX/year>, XXXX XXXX WESTLAKE PORTFOLIO MANAGEMENT a written request for debt validation through the Consumer Financial Protection Bureau ( CFPB ). Despite this lawful request, they have failed to provide the necessary information required to validate the alleged debt. 
WESTLAKE PORTFOLIO MANAGEMENT 'S failure to respond adequately and lawfully constitutes a default under the provisions of the FDCPA. Moreover, any further attempts to collect this alleged debt without proper verification are in direct violation of 15 U.S.C. 1692g ( b ), which explicitly prohibits collection activities until verification of the debt has been provided. This refusal is a clear violation of the FDCPA, and your actions may constitute unfair and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I started a dispute with XXXX credit reporting due to Synchrony Bank/ PayPal Credit card reporting an open account with a {$6000.00} balance that IS NOT MINE. The name and social on this account do NOT match, Ive called Synchrony endless amount of times. They refuse to talk to me since Im not the account holder even though it has my social. Synchrony ended my dispute with XXXX stating that the information on my credit report is true despite the name they are reporting does not match my social. So since XX/XX/XXXX Synchrony bought PayPal credit and messed up and have been reporting the wrong person credit card under my social disregarding the name does not match the social but still have attached it to my report on a monthly basis. I have gotten no where with both companies.
Product: Debt collection

While checking my XXXX credit report, I noticed a collections account for {$5700.00} placed on my report by United Credit and Collections , Inc. This debt collector has NEVER contacted me about this debt. Had I not checked my credit report I would not even be aware of it. It was a debt that was allegedly incurred over 7 years ago, which is not only past Missouri 's five-year statute of limitations for collecting a debt, but also has never been validated, despite my written request for a validation letter to confirm the debt 's ownership, detailed breakdown and validity. It is negatively impacting my credit score and yet can not even be validated.
Product: Debt collection

got a loan from upstart for XXXX paid XXXX and lost one of my incomes. I fell behind and asked for a settlement amount to prevent me from adding to consolidation they said they only offer settlements if payment is more than 60 days behind. Every XXXX day they send me an email stating that my " hardship '' application was approved and start the days over. I never applied for a hardship loan this will be the 2nd time they did this. I am sure they would need my signature for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX  ran another Hard Inquiry on my credit report without my permission for the thrid time. I went to the doctor office to schedule my dental procedure then received a alert stating they made a hard inquiry. 

I call there number provided XXXX and asked why did they submit another inquiry accessing my credit report without permission. I was transferred to four different departments and was told since I couldn't prove it was them that made the inquiry I have to file with Transunion. This is Four Hard Inquiries from the same bank in two months that they claim it's not there doing so I'm left with a rapidly dropping credit score do to them breaking the law and violating my consumer rights. I want proof you had permission to continuously run my credit and Transunion to allow without stating the reason it was checked. This is such XXXX! So know here I am filling another dispute! 

Sincerely XXXX off and tired of constantly filling complaints about these two companies. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. These accounts are fraudulent and were the result of a data breach, as I have no association with them. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file.

Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7800.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$33000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$370.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$33000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$18000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

In accordance to fair credit reporting act the list of account below has violated my protect consumers rights to privacy and confidentiality under the 15 usc 1681 Accounts : debt recovery solutions XXXX I look at my XXXX report XX/XX/year> notice some things where inaccurate or not complete according to fair credit report act whenever Consumer reporting agency prepares consumer report it shall follow procedures to assure maximum possible accuracy of information concerning individual about whoms report relates according to 15 usc 1681. Accordance to 15 usc 1681 they not suppose to do this inaccurate or unverifiable information
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX