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

n 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 XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX, Account name : # XXXX Account name : # XXXX Account # XXXX Account XXXX XXXXXXXX Account XXXX XXXXXXXX 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 am writing to request the removal of unauthorized credit Inquiries from WELLS FARGO. 
They did multiple credit hard pulls for XXXX credit card. I have XXXX inquiries with only XXXX account opened with Wells Fargo These XXXX inquires were unauthorized Inquiry dates : XX/XX/2022 Inquiry : WF CARD SVC They did hard pull I didnt apply for anything Inquiry dates XX/XX/2022 Inquiry : WF CARD SVC They did hard pull when I didnt apply for anything.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME 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: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer. Partial verification was received however the documents were incomplete ; forms did not include a payment and delinquency history, lease agreement was not in its entirety, no verification of eviction process being filed was received and documented fees are contradictory to what is on the lease agreement. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation to include all items that were missing. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX  file date of XX/XX/XXXX to experian, XXXX, and XXXX about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. XXXX court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Mortgage

Bethpage Federal Credit Union will not allow me to make a principal payment on my XXXX loan unless I do so from an account at the XXXXredit union, according to a representative from the bank. 

Because I live nowhere near the bank, online payments from another bank are my only option for paying down the principal, and Bethpage had allowed me to do this in the past. 

The company will not explain to me why it has disabled this capability on its website and is unfairly earning extra interest on my loan by not accepting a principal payment online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This to me is crazy. So Im submitting it again hopefully for the last time. XXXX and Equifax have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my report and I noticed a few errors being reported on my report. I would like you to Please review my report throughly so you can see all the inaccuracies being reported. 
Accounts in question are below. 

Account Name : XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Account Name : XXXX XXXX Account XXXX Please investigate i every piece of information is correct. if not, please remove i from my credit Account Name : XXXX Account Number. XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name XXXX XXXX Account Number XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX 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: Debt collection

According to my consumer law 15 USC 1681 ( E ) B it states that " They must follow reasonable procedures to assure maximum possible accuracy of consumer reports1. " While this company is reporting a current charge off on my credit report, according the irs charge off is a paid of debt that the agency already collected which is now income according to the irs. Income should not be reporting on my credit report. A charge off is taxable income .Not only is the account reporting wrong information I have reached out to the company serval times I have filled identity theft reports also.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX 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

I opened a Bank of America XXXX XXXX credit Card on XX/XX/2021 pursuant to a promotion of 50,000 bonus points for spending {$3000.00} within the first 90 days. Bank of America charged me a {$95.00} annual fee before I made even a single purchase with the card. I then satisfied the {$3000.00} purchase minimum within 90 days. The 50,000 reward points should have posted months ago by the express terms of the promotion ( attached ). I called Customer Service on XXXX XXXX, XXXX  to ask about the reward points. XXXX confirmed that I met the minimum purchase requirement to receive the promotional points, and said the rewards take at least a statement cycle to post. He said the points would post soon ( in next statement cycle ). Five months later, the points still have not posted. Instead, BofA imposed another {$95.00} annual fee on my account, reflected on the card statement I just received today. Apparently BofA is deliberately dragging out the promised reward posting to receive at least one more annual fee. This should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$490.00} XXXX XXXX {$87.00} XXXX   XXXX {$78.00}
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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I mailed a check to pay off my Synchrony Lowes Home Improvement card in full and they received it XX/XX/XXXX. I even over paid and they issued a refund. I see today that I have a new balance and when I called because I made no new purchase Representative said it's due to new interest. I explained i paid in full should be no interest. She said that due to anti money laundering feature they won't post payments till XX/XX/XXXX so therefore system issued new interest on XX/XX/XXXX. I asked for a waive of interest as they show my payment received and it's not my fault they have such feature. She denied and said she submitted request snd was denied. However, I made a good faith effort to pay them off in time. The check i sent was from my closing attorney used from my bank refinance loan so no money laundering issue to be had.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have informed transunion that I should not have a suffix of XXXX. I am not a male. I have contacted transunion multiple times. Yet the issue has not been resolved. Thanks so much. I have put you on notice and reporting this to consumer financial protection as you have failed to correct your error. I have reported this to the executive of transunion team with no response XXXX XXXX
Product: Debt collection

Dear Credit Corp Solutions, I am writing to formally dispute the debt referenced in your communications and to assert my rights under relevant consumer protection laws. Please be advised that I am disputing any and all debts that you claim I owe. This letter serves as my formal notice that I do not acknowledge any debt or obligation to your agency. As such, I request that you cease all communication with me via email, text messages, phone calls, or U.S. mail. In addition to disputing the debt, I am requesting that you provide the following documentation : 1. Validation of the Debt : Please provide proof that I am legally obligated to pay this debt, including a detailed account of the original amount and any adjustments or fees added. 2. Purchase Agreement : Send me a copy of the agreement or contract between your agency and the original creditor, demonstrating your right to collect this debt. 3. Proof of Licensing and Bonding : Provide evidence that your agency is properly licensed and bonded to collect debts in my jurisdiction. Please be advised that my dispute and requests are based on violations of the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) This regulation addresses the requirement to cease communications with a consumer upon request. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This regulation relates to the validation of debts and the necessity of providing verification when requested. 12 CFR 1006.34 ( d ) This pertains to the prohibition against continuing debt collection efforts without proper validation. 15 USC 1681-S2 ( 7 ) ( A ) This provision under the Fair Credit Reporting Act requires that entities ensure the accuracy and validity of the information they report. Due to these violations, I request that this debt be removed from all records and reporting agencies. Any continued reporting of this debt after receiving this dispute will be considered inaccurate and in violation of consumer protection laws. Please acknowledge receipt of this letter and confirm that you will cease all collection activities and communication until you have provided the requested validation and documentation. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Check, XXXX XXXX XXXX XX/XX/2023.
Product: Checking or savings account

On XX/XX/XXXX, at the XXXX ATM on XXXX XXXX ( at XXXX XXXX ) in XXXX, I tried to access my checking account two times with no result. The first try was for {$200.00}. The second try was for {$300.00}. I tried a third time successfully and received {$300.00}. At the time I did not expect any deductions for the first and second try as I had not accessed any cash. I didn't know there was a problem until I checked my account days later. On XX/XX/XXXX, I called customer service. They said they would reverse the withdrawal and they did. On XX/XX/XXXX, I noticed the {$200.00} and {$300.00} were showing as withdrawals. I called customer service again but got no explanation other than, " That's what the record shows. '' On XX/XX/XXXX, I went to the bank in person and told the teller that I money I never got out was taken from my account. He said, " That machine has been giving us issues lately, '' and directed me to the branch manager " XXXX '' ( XXXX XXXX XXXX ). XXXX XXXX called customer service and repeated the same " that's what the record shows ''. I asked him to check the camera footage. He totally dismissed me. On XX/XX/XXXX, I gave XXXX XXXX with the XXXX Police Department the information. He left me a voice message saying he contacted XXXX XXXX, a XXXX XXXX, who said he would call me. I never heard from him. On XX/XX/XXXX, I went back to XXXX and asked for XXXX XXXX, but the manager I'd spoken with before, XXXX XXXX, denied knowing XXXX XXXX. The same day I went to the XXXX Police to ask for a copy of the incident report which took about XXXX days to obtain. It is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies reporting these alleged accounts on my credit report is false and need to be removed immediately. They are in violation of Permissible Purpose 15 USC 1681b and I am also requesting a copy of my written instructions from the credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX Sychrkny Bank Credit card customer service for paypal encourages me to file a fraud dispute for unauthorized charges on the account With the first charge on the first statement in XXXX and all transactions that have occurred since. 

He insisted that it was fraud because there was no Activity within my PayPal account concerning a PayPal credit card. Additionally, there was no prior PayPal credit card statement or access to a PayPal account prior to the year of XXXX. Synchrony credit card for PayPal and the online app did not allow for any payments to be made on the account as well. Despite the fact they were trying to report me previously. 

They also confirmed that the available balance was not able to be used on any purchases Everyone I've spoken to insisted it's impossible for me to have made a purchase using a PayPal synchrony bank credit card being that you can only use it for online purchases with certain merchants. Insist it was not for all merchants.

With that said, I gave in and file the dispute with the fraud department for all the charges on the account. After three weeks past and no response, I called to check on the status Of the dispute. I was informed that I've been given a permanent credit. The new balance will be XXXX and the account would be deleted. This is detailed below. 

XX/XX/XXXX : Account XXXX adjusted to {$0.00} and Account is removed from my paypal account and is deleted from my credit reports. 

XX/XX/XXXX- XX/XX/XXXXXXXX XXXX XXXX XXXXDENTiTY Alerts potential identity theft and or fraud Due to a new credit card being added to my credit profile. 

Current balance is {$2500.00} Report is late to the bureaus for 30 days as of right now. The payment due including the past due amount is supposedly {$290.00}. They are also charging interest in cash advance interest. They have stated the only reason there is a balance due to interest on fraudulent charges manager fraud charges. I've been adjusted in my favor permanently however there's a balance of this amount because of the interest.. I asked her What bases, the investigators approve the interest charges in the amount of The entire balance on the account. She said they do not know why they do not have an explanation for it nor would they be willing to provide it. Her a little further on your website with CFPB. She then hung up. This has occurred each of the last five times I have called.
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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX and Reporting Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681 section 602 states I have right to privacy.

15 U.S.C. 1681 section 604 Section A states a consumer reporting agency may furnish a consumer report 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 items of adverse information, other than records of conviction 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.