23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 XXXXXXXX, 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

When receiving credit card information, there was misleading information. 
Once I received the card, I requested to close the account as I no longer wanted it. 
Account is now showing closed on my credit report and affecting my score negatively
Product: Credit card

These hard inquiries are reporting on my credit report and are inaccurate and I am a victim of identify theft from the following companies through Transunion XXXX XXXX XXXX Bank ) XX/XX/2024 XXXX XXXXXXXX ( Bank ) XX/XX/2024 XXXX XXXXXXXX ( Bank ) XX/XX/2024 Auto XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXi ( Finance ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX 2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX
Product: Debt collection

This card was opened in my name and I had no knowledge of it at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

XXXX XXXX XXXX XXXX -XXXX  XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018 XXXX XXXX Experian XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018
Product: Money transfer, virtual currency, or money service

I sent a Moneygram to XXXX XXXX to buy a car for my daughter from Texas to Iowa in the amount of XXXX. I sent this electronically from Moneygram to his savings account. Moneygram called to verify and we went over the account number to be deposited. The bank received the transaction with the incorrect account number and declined the payment. Moneygram kept my money and will not refund it. They took my money in XXXX seconds but can not credit it to my online account with them. It clearly says on my account with Moneygram that the transaction was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. I said to them to review and delete all inaccurate reports on my credit reports.
Product: Checking or savings account

Wells Fargo is not giving me the redtess remediation lawsuit funds funds for my friends account as I am hos benificiary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable by perjury under 18 U.S.C. 1621. These items in my credit report are not related to any transactions I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money. If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that i received goods or services. These companies are in violation for putting these unknown hard inquiries on my credit report. This has caused unwanted suffering and is defamation of my character. These hard inquiries are not mine and I did not authorize it. 


XXXX. Consumers XXXX XXXX Date : XXXX XXXX. Consumers XXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXX Date : XXXX
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 XXXX  Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights under 15 USC 1681 Section 602 A, which states, I have the Right to Privacy 15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681 c ( a ) ( 5 ) 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 antedate the report by more than seven years 15 USC 1681 s-2 ( A ) ( 1 ) states that 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this letter to inform you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00} These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy the reported payment history of these accounts are a mystery to me. As required by FCRA 605B ( c ) ( XXXX ) ( C ) Authority to decline or rescind.
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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 card

Closed this account with Bank of America, and paid more than the minimum This card interest rate is ridiculous. Can not ever get it down already this year over XXXX in interest. It was XXXX and I paid XXXX which would have brought it down to XXXX, now it is back up to over XXXX. I closed this Credit a while ago it was XXXX, to start and I paid XXXX at the beginning. I always pay more than the minimum. Too much interest rate is being put on this account. Which is Bank of America. Not getting anywhere with this Credit Card because of their higher than average interest rate that was raised, because I closed the account.
Product: Credit card or prepaid card

I have an acct with current card acct number XXXX and i also have another acct with them for some reason when i lost my card and they were suppose to send me a new card they sent me a whole new acct number also so XXXX  has been putting my stimulus money in the acct XXXX witch i open so long ago i dont remember the phone number or email i used at the time and dont have access to them anyway i have sent my picture of my id in to them all the correct info of my adress and ss # and i. Still haveing problems getting to this acct i have been trying since XXXX to get this resolved they kept the money and didnt send it back to irs for me to get the money from them they kept it and now wont let me have access to it
Product: Mortgage

I've been having a very difficult time after my father XXXX XXXX its been very hard on me financially at the present time I'm also XXXX I've trying to explain this to my mortgage company I requested a mortgage assistance for my payments they have not responded I need my mortgage payments lowered to something I can afford to make please I need your assistance in dealing with my mortgage company.
Product: Debt collection

Rent Recovery Solutions since XX/XX/XXXX has been attempting to collect a debt owed by me for a leasing contract. They have the debt listed in my name and my XXXX  daughters name. I informed the first two reps over the phone and the second rep advised me to send in documents. The collection letter also stated I owed {$1000.00} with no interest or payments being applied. I sent them a for a dispute letter via certified mail in late XXXX beginning of XX/XX/XXXX to remove my daughters name from collection item as she was not a lease holder along with copy of lease showing she is an occupant as well as a copy of the statement from the apartment leasing company of the balance owed being {$960.00} and to provide new letters with the minors name removed as well as the correct balance or why they are saying I owe additional {$87.00}. To date I have received nothing but on XX/XX/XXXX I received a call from XXXX XXXX leaving a voicemail on my phone yet again asking for my XXXX  daughter. I called him back to explain for the now 3rd time what had occurred and that I sent a dispute and he proceeded to hang the phone up in my face.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the blocking and deletion of fraudulent accounts from my credit report under 15 U.S.C. 1681c-2 ( a ), as I am a victim of identity theft. Due to the compromise of my personal information, fraudulent accounts have been reported under my name, which I did not authorize.

Fraudulent Accounts to Be Blocked and Deleted I am disputing the following accounts as fraudulent and request their immediate removal from my credit file : Closed Accounts - XXXX XXXXXXXX XXXX XXXXXXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Closed on XX/XX/XXXX - XXXX XXXX XXXX XXXXlosed on XX/XX/XXXX - XXXX  XXXX - Closed on XX/XX/XXXX XXXX XXXX  - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Closed on XX/XX/XXXX Collection Accounts- XXXX XXXX XXXX- {$400.00} ( Opened XX/XX/XXXX ) - XXXX XXXX XXXX - {$690.00} ( Opened XX/XX/XXXX ) - XXXX XXXX XXXX - {$4400.00} ( Opened XX/XX/XXXX ) Hard Inquiries - XXXX ( Finance ) - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX  Retailer ) - XX/XX/XXXX - XXXX XXXX ( Retailer ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Dear Experian Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXXXXXX XXXX  Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXXXXXX Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX DELETE XXXX
Product: Mortgage

In XX/XX/XXXX, my wife and I was told by my account manager at Bank America that due to Hurricane Irma which affected our home in XXXX Florida, we /I would be eligible for a 90 Days Forbearance so that we/I may repair our home damaged by Hurricane Irma and at the end of 90 day Forbearance that I may request another 90 days Forbearance period and it would be put on the end of the loan. Over the past 5 months we were also told that we did not have to apply for a modification and there is no needed for a modification since the bank would automatically place any missing payments on the backend of the mortgage loan and the loan would be extended automaically. Today our roof is still not fixed and some repairs were made and we are also l awaiting resolution with our public adjuster estimated lost of {$160000.00}. which has been submitted to the home insurance company for a new roof. Since XX/XX/XXXX when trying to make payment arrangements we are told that any months behind during forbearance will be put on the end of the loan and we can extend the forbearance again to XX/XX/XXXX. We are told again that we would have to wait until the forbearance is finished before any payments arrangements could be made. As of today my wife wante to make payment arrangements to pay regular payment plus additional funds o XXXX starting XX/XX/XXXX however again my wife is told that the bank could not accept payment arrangements without modification application. So we have completed application for modification and payment arrangements. As of today we are also that the Mortgage would no longer be serviced by Bank of America and it will now be serviced by XXXX XXXX as ofXX/XX/XXXXand this was requested by XXXX XXXX XXXX XXXX The Investor request. As of XX/XX/XXXX to date since we are consistently being mislead we are asking for XXXX to help us to come to a resolution for Bank of America to accept payment arrangements so we could bring our mortgage payments current and not be transferred to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these hard inquries removed from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The address on the account, was incorrect.
Product: Money transfer, virtual currency, or money service

Ik filing a complaint against cash app ( Block , inc due to inadequate customer service and unfair practices which violet the costumer financial protection act CFPA SPECIFICALLY cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected further more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial lost and I seek appropriate redress for those violations
Product: Credit card

XXXX XXXX XXXX TX. XXXX I opened a Target store card in 2015 at the register after first refusing but the cashier pushed and I finally caved and it has been the worst nightmare since. I have several credit accounts, standard accounts and store accounts. I pay on time with payments that cover all or on occasion most of the current balance. I made a one-time purchase at Target using their temporary card for a little over {$100.00} purchase of toys for my grandchildren. I never received the card or the bill and it being XXXX I did n't think about it. I did n't know my account number then or now. 
A few weeks later, I got a bill with a {$35.00} dollar late charge. I called and explained to a rep and it was removed ; however I did not receive a later bill. I called and asked for the balance stating I was tired of the extra charges and wanted to pay it off. I was given an amount of {$94.00} and I paid it with an online check. Apparently the routing number was n't correct and if so it had to be the clerk on their side because I know my number by heart without reading it off. I was n't notified and thought my next bill was a mistake since I knew I paid it off. I called and was told it was the wrong routing number so I gave it again. I still got bills and called again. This time I was told that I had n't made the full payment of {$100.00} and was billed late charges again on top of the difference. I explained that I asked for the total and paid what I was told. I offered to pay the difference and one late charge which I did, but would n't pay the extra late charges. To date I keep getting bills for late charges and I do n't feel I should. 
I called them numerous times during all of this and asked to speak to supervisors a few times. I informed them I was a teacher and could n't pick up until XXXX daily. I did n't know the number that would call and it never said Target, but in any case they were before XXXX when I ca n't answer. When I did n't get a call I went to Target to talk to them in person. It was then that I found there is no one physically in any store to handle credit problems. The person I finally talked to called on a Saturday and was not a supervisor as requested and was very rude. He is one I paid the difference to and one late charge. Needless to say this situation is still continuing and although the store admits that they made mistakes they are not willing to drop the late charges or comp. I closed the account I never received a card for and am hoping that it is noticed that I am not behind on any other bill and had excellent credit until this. I do n't think that the consumer should foot the bill for a company that uses these type of tactics. XXXX is a website I wish I had seen earlier showing how many people received the same type of treatment as I did. I am hoping you will attach this as an explanation for this black mark on my credit report. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer XXXX XXXX have an inaccurate account on my consumer report. There was a charged off account on my report from XXXX XXXX that is being reported on Experian, XXXX, and XXXX, but I paid it off. There should no longer be a charge off on my consumer report. If the balance equals {$0.00}, then the debt is gone and I demand that XXXX XXXX and the consumer reporting agencies do their part and remove this derogatory item from my report. Pursuant to 15usc1681e ( b ) consumer reporting agencies must ensure maximum accuracy on our reports. Calling a paid off charge-off account that should no longer be on my report a derogatory mark is not ensuring maximum accuracy. I want this account removed from my consumer report per Experian, XXXX, and XXXX. 
XXXX XXXX Account # XXXX opened XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I've informed Transunion, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse this matter