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

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXXXXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}
Product: Checking or savings account

Bank of America closed my safe deposit box in error. In early part of XX/XX/year> they drilled the lock and emptied the contents without my consent nor me being present. They didn't provide any advance notice of such action. The financial center address is XXXX XXXX XXXX XXXX, NY XXXX. The incompetent manager 's name is XXXX XXXX XXXX XXXX XXXX. This incident caused me great XXXX, mental anguish, and exposure to risk / fraud / loss. I have no idea what is missing, stolen or misplaced. She didn't even bother to authenticate my identity when I arrived to pick up my personal items. I have lost all confidence in this branch because of her failure to execute any of the controls that might have been in place. Her covering manager XXXX XXXX XXXX XXXX XXXX has promised to conduct an investigation into this matter, but has yet to provide any specific conclusions, corrective or compensatory actions aside from filing a claim with the bank for any lost or damaged items. I placed my faith in the BOA " safe '' deposit box services, but in the end there was no safety provided for my personal property.
Product: Vehicle loan or lease

Credit acceptance reported to the 3 credit bureaus that I owe {$8900.00}. I did not receive a letter, or any documentation stating that this vehicle was sold at auction. So I have no proof of owing credit acceptance {$8900.00}. I have no proof that this vehicle was actually sold at an auction.
Product: Checking or savings account

In   XXXX   XXXX   I searched the Navy Federal Credit Union website for my account 's tax statements for  XXXX  and previous years. At that time, it was visible that only the latest (   XXXX   ) was made available through that medium. So, I started checking as far back as the website would allow for months ending in  XXXX , to compare. I came upon a check amount that had been withdrawn in   XXXX   XXXX   that I did not recognize. I phoned th e NFCU to inquire about said check. The customer service person sent a check copy to my email. That check bears my account nu mber, but the other numbers on the bottom of the check do not coincide with the check #, nor is it my name, nor signature on said check. I called the customer service line on several occasions regarding the unrecognized check, questioning how that check was able to clear the bank with wrong information. I spoke to a supervisor on several occasions by the name of   XXXX   ( spelling? ) who concurred the check did not seem right with the information on the check, but it had been a mobile deposit from another location and an investigation would be opened, with an investigator contacting me for further details which never happene d. She did send me a pre-completed form for me to return to NFCU. Today, I received a letter from NFCU that it is my responsibility due " After a thorough investigation, we   concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$500.00}. You have the right to request information concerning the investigation and how we arrived at this conclusion. '' I phoned the toll free number on the letter and all the cs person in their security dept. could tell me was that from available notes, it was due to being past the 60 days from statement, but could not tell me if it had actually been investigated. Now, that does not seem correct to this consumer due there is still no real explanation as to how the withdrawal even went through the account with such discrepancy on the check, regardless of time, once it was discovered. It seems, indeed, an error that it was paid with no further ado. The mobile banking information is in the copy of the check copied to me, the copy tells the name/address of the individual who relates to the check and the name of who it was paid out to, none of it which is my information, not even my location. I am in  XXXX  ; the party on the check notes a  XXXX  address. Again, it is not clear in my mind how that check was able to be cleared, except to opine that attention was not paid to the specifics of the check. The amount of the check was for {$500.00} paid out of my checking account with NFCU. I was given your agency name for who handles credit union matters when the security dept. customer service person was prompted for the info. by me today. I am reaching out to your agency in hopes that you can assist me with this matter. Thank you very much for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report negative and derogatory information disregarding the fact that I already had the account transferred and rehabilitated by XXXX  in which I am paying XXXX a month due to me being on XXXX. They continue to falsely abuse the law and continuously disregard any information and mail that I send them. I have called them on the phone and they ask me to send a letter with information they are the ones illegally reporting the information continuously to Experian and XXXX. XX/XX/2012 was the date the loan was open I was advised the statue of limitations doesn't apply to certain loans but it is already been 7 years reporting negative. The point I am trying to make is that I already did my part by rehabilitating the loan and allowing it to get transferred to XXXX it was with XXXX XXXX XXXX. I did what they told me to do so I can get it removed from my credit and the only one that is blatantly disregarding the law is XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX they continue to report the information and they already know that it should not be reported due to the fact that I have rehabilitated my loan. The keep finding ways to continue reporting information that is not true and is incorrect. I'm getting to the point where I want to sue them in open court for not following the law and also not caring it is also keeping me from getting a home from my family in which they do not care. XXXX  anguish is something that I am affected by this horrible situation and I intend to follow suit if it is not removed within the next 7 days. I am not going to allow this to happen to me by this company.
Product: Checking or savings account

XX/XX/2020 Claim ID Total Amount of Claim Claim Type XXXX {$210.00} Fraud XXXX I received notice that my claim had been denied ( because I shop in the areas it happened, One was at XXXX and one at another store ) Im frustrated because who doesnt shop at there local XXXX XXXX I have also found a third transaction for a steak and shake that was not me. There was also a XXXX charge but the merchant has promised to resolve it ( still waiting ) Im currently being charged {$470.00} dollars in fees because of this. 

I also hold another account that the card was completely locked down on yet they allowed a XXXX dollar charge to go through and then charged me XXXX dollars in overdraft. 

I find it absolutely crazy that Im charged all these fees and Im the victim of my card being skimmed.
Product: Credit reporting or other personal consumer reports

i have tried to dispute incorrect information as payment history that i have never been late on the months shown and i have made on time payment as agreed on all my credit card accounts. AND ASLO PLEASE DELETE AFFIRM ACCOUNT FROM XXXX REPORT
Product: Credit reporting or other personal consumer reports

It seems that my credit file has been compromised once again. While reviewing my records, I discovered numerous items that do not belong to me. As a diligent researcher, I found that Section 605b of the FCRA legally obligates you to remove and block any items identified as resulting from identity theft. The disputed items are not mine. I have attached the necessary FTC Report, which I learned through further research is required by both parties. Please block and remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX  {$780.00} 2 ) XXXX XXXX   {$690.00} 3 ) XXXX XXXX XXXX {$370.00}
Product: Credit reporting or other personal consumer reports

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 

As a result, the courts found that collection of this account is not a valid permissible purpose to obtain a consumer report. 


For collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. ( 15 U.S. Code 6802 ) -SEE ATTACHED FINAL NOTICE!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call expirience so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. 

They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Product: Credit reporting

Experian is listing items on the credit report for XXXX that do not belong to that social security number. I attached a copy of experian credit report. only 3 of these accounts report to XXXX. This means, they are double reporting accounts, which is illegal. For Example XXXX Account # XXXX can not report to XXXX social security numbers. XXXX Account # XXXX is already reporting to XXXX. It can not also report to XXXX because they do not even have that number to report to. Experian is not the government,. and must honor each social as its own entity.
Product: Vehicle loan or lease

I have a current loan for used XXXX  but still have not got my tag or been able to get my tags momentum XXXX  or bank of america have no answers or reasons to the hold up. I have been paying on a car from a dealership but have not got my license plate
Product: Credit reporting

I contacted transunion requesting XXXX be removed was placed twice XXXX diff companies same account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint regarding XXXX XXXX XXXX XXXX inaccurately reporting data on my credit report. The company acknowledged the error and stated that the balance being reported was incorrect and that they would update the credit bureaus. As of XX/XX/XXXX, the information remains unchanged from what I originally reported. 

Furthermore, the account is inaccurately listed as open, despite my rental agreement ending on XX/XX/XXXX. It also falsely indicates that I have scheduled monthly payments, suggesting to potential lenders that I have an ongoing monthly obligation of {$2400.00}, which I do not. The disputed debt of {$7200.00}, currently being litigated in the XXXX of PA courts ( on appeal ), pertains only to XXXX, XXXX, and XXXX of XXXX. No other months were delinquent or unpaid, so the historical data needs to be corrected. 

Additionally, there were never any partial payments or payments less than {$2400.00} made to the landlord, so the last date of payment XX/XX/XXXX indicating {$1600.00} needs to be corrected as well. The balance of {$13000.00} listed as past due is completely inaccurate and must be corrected immediately as it is significantly damaging my credit rating. At this point, XXXX XXXX XXXX 's negligence in correcting their error from a landlord is unacceptable and a clear violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA, consumers have the right to dispute inaccurate information, and the credit reporting agency is required to correct or remove inaccurate, incomplete, or unverifiable information, usually within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is disputing fraudulent accounts and incorrect addresses on his credit report, which are preventing him from achieving financial goals and securing loans. He identified multiple inaccurate addresses and unauthorized credit inquiries, as well as accounts that he claims were opened fraudulently. To resolve the issue, he filed a formal dispute with the credit bureau, citing consumer protection laws such as the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. He also reported identity theft to the Federal Trade Commission ( FTC ) and requested the immediate removal of the incorrect information. XXXX is seeking a prompt investigation, deletion of fraudulent entries, and a free updated credit report to reflect the corrections.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased {$1900.00} worth of Bitcoin. I sold my position on XXXX XXXX, XXXX, and should have seen a transfer to my bank account in the amount of {$2900.00} in 3-5 business days. I still have not seen my money. 

On Coinbase.com, I have opened case Case # XXXX with them on XX/XX/XXXX, and Case # XXXX on XXXX XXXX, and have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

I have sent several written requests to TransUnion to remove erroneous accounts and information from my credit report. I have sent numerous letters over the last eight months, yet they have not removed the information and accounts, nor have they provided valid proof that the information is correctly reported. I have provided all information as instructed when I submitted my letters and I have given ample time for TransUnion to review my request and rectify the situation. At this point, they are refusing to process my requests and have failed to do their part in verifying all information that they are reporting. I have attached all of the letters I sent to them for your reference.
Product: Credit reporting or other personal consumer reports

The following financial institution listed below is illegally disclosing, thru their affiliates, non affiliates, third part affiliates and non-third party affiliates, my personal information. 
Under Congress law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer that : Part a : as a consumer, any financial institution wishes to disclose my information, I have to be notified, either via phone, electronically or by mail. AND IT MUST ALSO COINCIDE WITH Part B ; before a financial institution discloses my information, I have to say yes or no. And finally, it must also coincide with part c : if I say no, I am to be given all options in securing my rights to ensure that they dont report my information before such actions are taken by the financial institution.

And lastly, under Congress law 15 U.S. Code 1681a, part ( 2 ) Exclusions. the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions ( late fees or charge offs ) or experiences between the consumer and the financial institution, unless authorized based on Congress law 15 U.S. Code 6802, parts A, B, & C. I did not authorized or agreed for these financial institution, or otherwise to disclose any of my transaction history with any third party of any kind, that includes consumer reporting agencies. Most importantly, I was never contacted by this financial institution and given the choices liste
d above ( 15 U.S. Code 6802, parts A, B, & C. ) My rights as a consumer, Under the Fair Credit Reporting Act ( FCRA ) a consumer report ( CR ) is any written, oral, or other communication of any information bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for : ( i ) credit or insurance to be used primarily for personal, family, or household purposes ; ( ii ) employment purposes ; or ( iii ) any other FCRA permissible purpose ( Section 1681b. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX
Product: Debt collection

I hereby formally request the removal of the erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim.
Product: Credit card or prepaid card

Synchrony Home closed my {$1000.00} credit card in good standings, due to inactive use however this card was closed in XXXX ( according to the customer service representative ). I was never advised that the card was going to be closed, or that it was even closed I had to call in to see why my card wasnt working. When I opened the credit card I was told that it will stay open and I do not have to continually use it throughout the year, however the phone representative told me I have to make a home purchase every 4 months to keep the card open, which is weird to me. So now because they closed my account that was in GOOD standings, its going to drop my XXXX XXXX. The representative on the phone said that I would have to resign up for the card which will also have a hard credit pull on my account which will drop the XXXX XXXX again. I have credit cards that I have had open for years - that was never closed, I shouldnt have to make a purchase every 4 months just to keep this open.
Product: Credit reporting or other personal consumer reports

To Whom it may concern. I am writing this complaint in lieu of information on my credit report ( Late Payments ) that I have not authorized whatsoever. I have been violated and I am requesting and demanding that these matters be taken care of immediately, Deleted. As the law states. 15 U.S.C. 1681a, Sec 2 Exclusions 1 states, ) They are not allowed to share any information with third-party entities and they have indeed done so. Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. You are not allowed by Law to report late Payments to anyone without my Permission. ( A ) subject to section 624, any 1 ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And the fact that these companies have shared my personal information with third-party entities is a violation of my rights and it is against the law. I am demanding that the late payments be deleted from my credit report from the following violators. I will continue to press this matter until it is completely resolved, and I am asking that a full investigation be done. They have shared information in regard to my personal accounts with third-party entities without my consent or permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these late payments be deleted from my account as they are a violation of my constitutional rights. And further a violation of 603 - 15 U.S.C. 1681a.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to company in regards to Equifax in regards to fraudulent account on report. Supplied documentation and opened dispute backed in XX/XX/2022. 
Account came back " verified '' without proof & verification of debt that i requested. 
Equifax failed to remove accounts which is a violation of my consumer rights. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence