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

Around XX/XX/2024, I sent three notarized letters to Experian, XXXX and XXXX to remove all old addresses. I have a right to privacy. Also, they have my name listed as XXXX, my name is spelled XXXX. 
I also sent letters to each bureau to send a free copy of my report and I never received my report from all three companies. 
I also never filled for an XXXX loan. This is identity theft. They also have an hard inquiry that I asked them to removed and they still have not. I have a low score from XXXX because they refuse to remove an old XXXX bill that XXXX stated I sent the product back and therefore do not owe any funds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiries on my credit report. I have recently obtained a copy of my credit report and noticed a hard inquiry listed that I did not authorize. 

I understand that hard inquiries can negatively impact my credit score, and it is important to me to maintain an accurate credit report 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.

15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

The accounts below have violated my rights. 

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

I contacted Equifax due a data breach with another service. I contacted equifax and informed them of the problem also this as my reason for XXXX XXXX as I could, it access the reports or the the offered free score on line. I confirmed my identity with My full name, address, social security number, home mailing address, my student loans a, car loans, banking information, name of all employment including being owner of a business, I confirmed my bank accounts checking, business and personal. With all the information give. I was advised to respond to a truest with and also go online to a browser. At this point I disconnected the call. I feel equifax is discriminatory against XXXX XXXX w in its credit reporting and products or services. I have files over a dozen complaints again equifax due to my reports being outdated. Zombie debt collection account not being removed. I have also submitted my DL, and social security card as proof of who I am. Yet this is still not enough. The archaic measure that are in place to prevent XXXX XXXX XXXX from obtaining credit and other financial relief is intended to keep a race of people in poverty. There should, ever be a time where anyone should have to submit massive amounts of information just to GET A COPY OF THEIR CREDIT REPORT AND TO SEE HOW THIS CREDIT AGENCY IS REPORTING THEIR PERSONAL INFORMATION TO THE WORLD. I firmly believe all 3 major credit reporting agencies are discriminatory in its practices against XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information onto my consumer report. My only name is XXXX XXXX. No other name or spellings should be listed on my report. My address is XXXX XXXX XXXX, XXXX, CA XXXX this should be the only address report. Under federal law the credit bureaus are responsible for damages caused my inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX )
Product: Money transfer, virtual currency, or money service

I am trying to express my concerns regarding Zelle.
Product: Credit reporting or other personal consumer reports

We was going to be looking to buy a house and noticed some collections on my report. I have disputed them and they will not remove them as I have no knowledge of these. 
According to XXXX XXXX XXXX law, there should not be any damages on my report. Its a defamation to my character.
Product: Debt collection

Money Man payday which is now called Anytime Cash had an employee who stole my identity. This happened on XXXX XXXX. I just found this out when a sheriff left court paperwork. I was a customer, but I never had an installment loan. When I did reach out to them I was informed that I had an installment loan back in XXXX of XXXX. So, the XXXX worker was the one who possibly stole my ID. The amount was for XXXX with court fees and interest its XXXXThis company is suing me for this amount.
Product: Credit reporting or other personal consumer reports

I uploaded this to XXXX and XXXX, and this is still on my credit report as accurate according to their results. I have the pdf that states paid in full from the company. On my XXXX, it shows on my credit report and has a {$0.00} balance owed.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

The XXXX XXXX account ending XXXX was paid in full, however after paid in full the creditor made an unauthorized charged to the account without consent in the amount of XXXX. I have reach out regarding about this matter and informing the creditor that i will not be responsible for any unauthorized charged made by the creditor without my permission or mistake on their behalf that incurred more fees on top which shows an unfair practice within the creditor. also there's is checking account open without my consent
Product: Credit card or prepaid card

In XXXX I opened one XXXX XXXX account. XXXX and XXXX of XXXX I ordered items from my account. I log into this account with my user name and password associated with the account and my account number. I pay my bills before the due date and every month. I tried to order items and I was denied and XXXX XXXX said I didn't have enough in my credit line and I knew I had more than I needed for what I was ordering. I started to receive late notices in my name and I ignored them due to me paying my bill for my account prior to the due date. I opened one to find out it had a different account number. When I called XXXX XXXX to question the manner they said that they opened the second account, without my knowledge or consent. 
I spoke to several people at XXXX XXXX regarding the mysterious bills and when asking for a supervisor the agents said " you can talk with me ''. XXXX XXXX, XXXX One agent said that they were getting me to a supervisor and when that person got on the phone they never said who they were or what role. I don't believe I ever spoke with a supervisor. I spoke to the " supervisor '' on XXXX XXXX, XXXX they explained that XXXX XXXX merged both of the accounts. XXXX XXXX 's opening the second account put me over my credit limit and now they're demanding money past due and my account has been flagged. I believe their should be some compensated because I took this serious and XXXX XXXX didn't. It was stressful talking with agents representing XXXX XXXX and stress from their fraudulent act of the second account. I contacted them several times over months because I was concerned about my credit and they treated me terrible. The worst part is this fraudulent account they opened in my name is messing with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Checking or savings account

I, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX XXXX XXXX, and XXXX, opened two certificates of deposits, for {$26000.00} and for {$25000.00}, 14 month term, on XX/XX/XXXX. 
Today, the above two accounts matured today. One lady of this notorious XXXX bank, I am a non XXXX XXXX XXXX told me over the telephone, XXXX XXXX, on XX/XX/XXXX, that on XX/XX/XXXX, my total money for the above two certificates of deposit, would be deposited today in our synchronys high yield savings account. 
Since morning, I have been calling this XXXX synchrony bank to deposit, as I requested XXXX XXXX, my total money to our high yield savings account, as mentioned above. 
One notorious XXXX manager of synchrony bank told me at XXXX XXXX  ( eastern daylight time ), XXXX XXXX, that my total money, as mentioned above, shall NOT be deposited today. This is nothing but an illegal and Criminal act. 
Please HELP ME.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account with Credit Bureaus. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution.

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being.

I kindly request the following actions be taken urgently : Please promptly remove all fraudulent items and transactions associated with my account.

Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence.

Keep me informed about the progress of the investigation and the steps being taken to resolve this matter.

Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services.

If the necessary actions are not taken promptly, I may have to explore alternative avenues, including reporting this matter to relevant consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An unauthorized hard inquiry from XXXX XXXX XXXX Credit Card appeared on my credit reports with Experian and XXXX on XX/XX/year>. I did not authorize or initiate this inquiry, and it violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires explicit consumer consent for credit inquiries. 

I discovered this error while reviewing my credit report, and I have taken steps to dispute the issue directly with both Experian and XXXX. Despite providing all necessary documentation, I have not yet received confirmation of the removal of this inquiry or adequate resolution. This unauthorized inquiry negatively impacts my credit profile and is a breach of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had a credit card with USAA Federal Savings Bank for more than 15 years and Ive never been delinquent. To avoid delinquency I schedule auto pay to ensure payments are successful and timely.

A few years ago, I discovered a 30+ day delinquent notation on my account and I called USAA . I was unaware that my autopay stopped. I didnt receive calls or information in the mail to avoid the situation. I asked if this could be waived and they told me they would remove the fee and negative comments. 

Its been almost 5 years and they havent removed the negative information. I have sent multiple emails and called to have the delinquent comments removed. This situation has affected how my family and I operate especially during the pandemic as I am trying to help my extended family in other ways. The delinquent information has really impacted my future financial transactions. Please remove the delinquency status from all three credit bureaus and the bank.
Product: Checking or savings account

I deposited a XXXX dollar check on XX/XX/23 from a customer I did a job for. I expected to have a two week hold on the check but after the two weeks we're up I wasn't able to use my debit card and I went to the bank and they told me they closed my account and had a fraud hold put on the check it has been on it since the XXXX and they told me today that it could be another 90 days until I get the hold lifted for suspected fraud. I talked to the customer and the funds have already been taken out of her account and the check cleared on her end but regions bank will not lift the hold for me to withdrawal any of my money or give me any kind of solutions other than they are working on it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquired on : XX/XX/2023 Reasons ; the inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized
Product: Debt collection

I sent over debt validation letter requesting company 1.The amount of the alleged debt.

2.The name of the creditor to whom the debt is owed.

3.A copy of the original contract or agreement that created the debt.

4.Any judgment details if applicable.

5.Proof that you are licensed to collect debts in my state. 

Company refuses to send me all information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewing my XXXX XXXX account I noticed a new collection account place there. This information is inaccurate and was already deleted from my XXXX, and now has been duplicated on my TransUnion and reduced my score by XXXX points. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. FCRA /USC 1681 states inaccurate reporting is a violation of my rights and can be subject to penalties up {$1000.00} per item. I'm requiring you to reverse that entry on my report and add the XXXX points back to my score immediately. This information has also been transmitted to Transunion. Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unfortualy they haven't delete this account from credit file, I am asking to please delete this account from credit file. Thank you so much.
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9300.00} XXXX  ( Original Creditor : XXXX PREFERRED XXXX XXXX XXXXXXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : 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

There is a charge off from XXXX  XXXX that is ten years old. I have already wrote them a letter to take it off. They did nothing that car was stolen and due to my insurance being new they tried to use every excuse not to pay it off and they kept the car. I want that taken off my credit report. also there's a bunch of hard pulls that brought my credit score way down. Like one for credit one I never applied for that credit card I want those taken off and my score back where it was.
Product: Vehicle loan or lease

Santander charges high interest rates and daily interest charges and other fees for each day you 're late on a payment. I have paid in 2 years over {$8000.00} that has just gone to interest and nothing to the principal. The vehicle is now worth {$6000.00} and their payoff quote was for {$22000.00}. Their fees are astronomical.
Product: Debt collection

I received a debt collection letter from LVNV Funding LLC in XX/XX/2022. I sent the company a letter via mail, indicating that the debt does not belong to me. The company did not respond to my letter, but rather proceeded to report the account to the credit bureaus which has negatively impacted my credit.
Product: Prepaid card

My XXXX XXXX card never was connected to my SSI account. We had called them at Social Security but they didn't complete what was needed to add payment to the card
Product: Other financial service

Global Client Solutions accepted a total of {$1500.00} in payments on my outstanding debt they paid {$420.00} out to said debt and kept {$1000.00} of the money with no explanation as to where that money went. I was originally told that {$370.00} would go toward my initial fee for their services which leaves {$700.00} unaccounted for and never returned.