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

It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX. After reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my Information being exposed, I have submitted a FTC complaint reporting the information that I am not familiar with. Please find attached a copy of my drivers license, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and validation of debt letter.
Product: Checking or savings account

I linked an external account to my new account at BBVA Compass and did a transfer of XXXX dollars. I didnt see the withdrawal on my online banking so I called XXXX and learned that they allow ACH deposits but not withdrawals. I notified BBVA both over the phone and via online banking about the problem. I also did a XXXX XXXX direct to bank deposit for XXXX dollars and another for XXXX, the account was never overdrawn and I continued to use it. Several days later I was told the account would be closed due to fraudulent ach transactions I disagreed with that stance but I dont have any recourse with their decision. Now I just want the funds sent back to me. Its been more than two weeks and I cant get an answer from BBVA compass on where the funds are or when I will get them.
Product: Debt collection

I switched insurance company 's before my renewal with XXXX  and went with XXXX, i eventually found XXXX sent this matter to a debt collect as if i was obligated to continue my business with them and owed them {$730.00} renewal charges. 

I will attach the new policy insurance card that is dated XX/XX/2016 with XXXX, never a laps on my insurance. 

This was written off XXXX by XXXX.
Product: Checking or savings account

On XX/XX/21, I got an email that my sim-card of my cell phone was changed in California, as I am currently in and live in New York. My cell phone then immediately didnt work there after. 
I then checked my bank account soon after and two large withdrawals were made at my bank, Chase of approx. {$3000.00}. I then immediately called chase and couldnt speak to anyone important. All they could say was it was an ATM withdrawal, therefore someone created a new card and withdrew money fraudulently. 
Chase wont be available until Monday as it is late Saturday night. Spoke with so many representatives and they couldnt do anything ....
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX are confirming the information their reporting are correct this is violation I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; Experian acc # XXXX XXXX dispute resolved - consumer disagrees. Debt included in or discharged through Bankruptcy XXXX XXXX. XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX  XXXX. ( XXXX Acct # XXXX  XXXX Account involved in XXXX  XXXX debt adj. Auto Included in XXXX XXXX XXXX ( TransUnion XXXX XXXX  XXXX ; dispute resolved/ consumer disagrees/ These accounts aren't supposed to be showing negative. These accounts should be deleted since their part of my Bankruptcy. Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these accounts from my consumer report and all your systems.
Product: Debt collection

Company has made no attempt to contact me to collect this debt. Improper dates recorded on my credit report as well as past payment history.
Product: Credit reporting or other personal consumer reports

My name ia XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries appear on my credit report that I dont recognize they should be remove promptly XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I cancelled my Macy 's credit card in XXXX 2015 after paying off the entire balance. I did not realize that they continued to charge me {$2.00} a month until XX/XX/XXXX when I emailed Macy 's ( to have it in writing ) and called to cancel the card again. Nothing happened. By XX/XX/XXXX, I owed {$22.00}. I decided to just pay it and try to close the account for the third time. Yet, I continued to get charged this {$2.00} every month! When I called the " Specialist Department '' at XXXX, they said that I never cancelled it and that they kept charging me because I paid the balance after the billing period. They have also reported me to the credit bureaus because of this. My XX/XX/XXXX statement was back up to {$14.00}.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. XXXX. XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

After sending this information to Experian no investigation, update, or any action was taken to resolve the incorrect information. I did not receive any information and it has been over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 late payment on a credit card account under d open end consumer credit plan as late for any purpose.
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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I authorized XXXX 's XXXX XXXX in XXXX Idaho located at XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX to pull my credit report from XXXX XXXX XXXX XXXX, and that they would come to me prior to going to other lending sources. I made that very clear to the finance manager. What they did is go to 12 plus lenders without my consent. I have made it very clear on how I feel regarding this. What are my options?
Product: Checking or savings account

On or around XX/XX/2022 I received a overdraft notice from Netspend. I logged into my account to see that there had been several unauthorized ATM transactions by a worker/contractor who I had in my home doing work. I filed a police report and contacted the issuer of my Debit card ( NetSpend XXXX ) and I was told I had 0 liability due to the Mastercard branded card. Thye said they had to " investigate '' the incident and would get back to me. Now they are claiming " No Error '' occurred. Im still out the {$370.00} plus fee 's and loss time and use of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a minority owned business and this incorrect information is ruining the chances of saving my company. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to significant inaccuracies and unauthorized activities reflected on my credit report that have negatively impacted my financial well-being. Specifically, there are inquiries and a collection account that I have no knowledge of or record of authorizing. These items are unjustly damaging my credit score, creating financial hardship, and jeopardizing my ability to provide for my family. 

Despite my efforts to maintain responsible financial habits, these erroneous and unauthorized entries have resulted in unnecessary stress and hardship. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as these inaccuracies remain unverified and unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to say the date was a while back probably XXXX or 2019 when I had XXXX XXXX The problem was I closed my account with a XXXX  balance and a few months later they said I owe them a balance. I dont know why most cable companies charge a balance and say money is still owed when someone closes their account because he or she no longer needs it. But, I was getting these phone calls from a collection ( EOS ) saying I owe money to a cable company which later I paid. Its still showing on my credit report as in collections and open impacting my credit score. I tried one company XXXX XXXX XXXX to have it removed and to fix my credit report but they were just taken me around in circles telling me the same thing over and over again ; so, I canceled my service with them and went with someone else who has made progress with in a month. But EOS has my credit score hostage when I gain points that it drops back down and when I try to earn points by renting things and paying them off on time I do not receive any points what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint to XXXX directly and a third party company who unlawfully purchased this alleged outstanding debt from XXXX for the amount of {$100.00} account number XXXX. This account was removed in XXXX from all of my consumer reports. I recently noticed a change in my consumer report. 
The XXXX account number XXXX which was added furnished back to my consumer report is not only inaccurate but according to the FCRA XXXX unlawful and violates my right to privacy according to 15 USC 1681 a ( 4 ). According to 15 USC 1681 a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for consumers right to privacy which XXXX nor this third party has done! 
Not only is this account being furnished to my consumer reports illegally but this account does not follow XXXXcompliant reporting guidelines/standards when reporting any information that is furnished to a consumers consumer report. 
Please see the attached letter that was sent to the third party listed in addition to my consumer report which shows the violation according to the FCRA and XXXX compliance standards.
Product: Mortgage

On XX/XX/XXXX my XXXX  and I applied for a mortgage with Wells Fargo in XXXX, NJ. 
The bank provided us with the loan pre-approval letter. Our credit score are XXXX and XXXX respectively yet our loan application was denied. On XX/XX/XXXX we have received a denial letter. A few of the adverse decision factors were : level of delinquency on accounts ; to short time from the recent account opening ; to many credit inquires within the last XXXX  months. We have never had any delinquency. The XXXX out of XXXX credit inquires were by Wells Fargo, and all of our accounts were opened a long time ago and are in perfect standings. On XX/XX/XXXX we have closed the house purchase using our funds from the retirement account ( XXXX XXXX paying in cash. However, this will impact hugely our next year taxes as the money taken out of the XXXX  will be considered as a taxable amount. Our potential loss will be about $ XXXX to be paid in taxes as a lump sum as opposed to mortgage interest of the XXXX yrs fixed loan.
Product: Credit reporting or other personal consumer reports

Hello I'm reaching out today because it has come to my attention 2 educational student loan accounts are currently reporting on my consumer report that myself or my parents did not authorize or review before funds were released on my behalf. This is a direct violation of 20 USC 1232g ( b ) under the Family educational rights and privacy act because my parents were not allowed to review the private education records before deciding if they wanted the information to be released to the public. I'm requesting both these accounts be deleted immediately as this is fraud under 12 CFR 1022.3 since experian, XXXX and XXXX do not have authority to report these vital records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding account : XXXX After Reinvestigation account still reporting inaccuracies. violates 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information. 

Submitted to the CFPB on XX/XX/XXXX CFPB Report : XXXX - Requested Reinvestigation. 

Submitted to the CFPB on XX/XX/XXXX XXXX- Requested the description : XXXX  reported as verified. 

Submitted to the CFPB on XX/XX/XXXX XXXX- Company responded on XX/XX/XXXX : violation of 15 USC 1681i ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries on my credit report. I recently checked my credit report and noticed that there are several inquiries that I did not authorize or request. These inquiries are negatively affecting my credit score and I would like them removed immediately.

I did not apply for any credit or loans during the time that these inquiries were made. I have never authorized any company or individual to check my credit history without my permission. Therefore, I believe that these inquiries are fraudulent and should be removed from my credit report. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I also request that you provide me with a written explanation of how these inquiries were made and how I can prevent such unauthorized inquiries from happening again in the future.

I understand that it may take some time to investigate this matter, but I appreciate your prompt attention to this issue. Thank you for your cooperation and assistance in resolving this matter. 

The inquiries : XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. My personal information has been used without my authorization, resulting in the fraudulent accounts and inquiries listed below appearing on my credit report. I am requesting that you block and delete these items from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXX XXXX/ - XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$940.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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 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 or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws.

This is a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX co has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, XXXX has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports XXXX has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand XXXX show me the balance and return to me what is due with proper tax forms for my accounts.
Product: Credit reporting or other personal consumer reports

Please help me get these unauthorized inquiries off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian They have several misrepresenting name so and addresses on my report. They just keep putting wroing info on my report
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 has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights Collection # 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 with out my written instruction. 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 XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2023 I bought a XXXX XXXX in TV thur Affrim via XXXX. On XX/XX/2023 I returned the TV XXXX has to come back to pick up the TV as they where not aware that the back door even though a sighn is posted all deliveries at the back door due to the front door being rented by upstairs and down stairs being rented by us. I opened up a claim that got approved for a lost item. I was told bye bye XXXX I had to wait 60 days to report this a lost item and my money was supposed to be refunded to me. XXXX admitted to the driver not scanning said item and issued me a claim number of XXXX, unfortunately I need a account number in order to upload payment documents. I have call Affrim 3 times about this a 22 times into XXXX. XXXX with them stating theirs nothing they can due nor Affrim.