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

I am writing to formally dispute several fraudulent credit inquiries that have been reported on my credit file. Upon reviewing my credit report, I have identified multiple unauthorized inquiries that I did not initiate or authorize. These inquiries are concerning to me, and I suspect that they may be the result of identity theft or fraud. 

The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have not authorized any of these inquiries, and I request that they be investigated and removed from my credit report immediately. Please provide me with a written confirmation of your findings and any actions taken to remove these fraudulent inquiries. 

I have attached a copy of my government-issued ID and proof of address for your reference, in case additional verification is needed. 

Please treat this matter with urgency, as it may indicate fraudulent activity associated with my personal information. Should you require further details or documents from my side, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

I write to express my extreme dissatisfaction and distress upon uncovering severe inaccuracies during my recent investigation of my credit report. The unverifiable, invalidated, inaccurate, and questionable items discovered have not only caused severe XXXX but have also highlighted a blatant disregard for reporting accuracy by your agency. 

The Fair Credit Reporting Act explicitly demands 100 % accuracy in credit reporting. Unfortunately, the accounts under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) are in direct violation, as they fail to provide information that is 100 % accurate. 

I have attached copies of all previously sent letters to your agency, outlining these violations. This letter serves as an urgent demand for immediate action to rectify these inaccuracies and ensure compliance with the legal standards mandated by the Fair Credit Reporting Act. 

The emotional toll and severe impact on my well-being due to these discrepancies are unacceptable. I expect a swift and comprehensive resolution to this matter. Failure to address these issues promptly will force me to explore all available legal avenues to protect my rights as a consumer. 

I anticipate your urgent attention and a timely resolution to this matter.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im looking for assistance or direction on how to handle a situation with XXXX XXXX  XXXX XXXX as their teller XXXX XXXX who is dating my ex spouse who Im in child custody court with At the time and she did that at his request or her thought to do it, he then called me and told me she did XXXX which time I reached out directly to the branch manager XXXX XXXX to inform her - commando was in placed on suspension and I and I received two letters from the corporate office to let me know the situation was resolved with an apology. I thought that was the end of it however I still had to keep my vehicle loan with them as I refinanced it at the same time I refinance my car due to the separation after nine years with my spouse and we have two children in common together I have three total so now Im being a single mother and paying a lawyer I have since had nothing but issues with my car payments which I have made duplicate payments the entire year last year where they have side has went to XXXX XXXX XXXX that they have put on my vehicle XXXX  I have XXXX I have sent that policy to them numerous times, Ive uploaded it to their portal which is allied insurance, Ive had my insurance agent who does my house insurance my liability insurance for my company and my vehicle insurance speak to them they have yet to takeoff XXXX XXXX XXXX they have yet to credit back the account and then when they do say if they did wan na credit it back it would go to principal only which is not something I agreed she was a single mom I can not afford to pay duplicate payments to go to principal only they have updated this to my credit report so now I do have a bad credit score because I have late payments unnecessarily, and I also have money sitting in a bank account because they refused to put it towards my vehicle payment and the collector I spoke with XXXX and I quote would not let me speak to a supervisor numerous times they did a audit in XXXX which they refused to provide to me after I asked for it numerous times they locked me out of my online banking, and it has been nothing but harassment since the situation which just happens to be the branch she worked at. They still have {$900.00} they have not applied to my vehicle loan sitting in a bank account that I did not open and I requested to be closed win their teller got caught going for my accounts. I have all the text messages screenshots letters from the bank and communications so I would greatly appreciate any assistance you can offer with us or direction on who I need to reach out to. Ive already reported this to the XXXX as well but the bank is offering no assistance they will not speak to me I am at a loss.
Product: Checking or savings account

1 month ago, on or around XX/XX/XXXX, I started a new account with Venmo. I had added some banking information onto the account. I was having some issues adding a bank account. There was no explanation as to what the problem was. I transfered XXXX dollar into the Venmo account. 
3 days ago I receive and email from company stating that my account had been frozen due to " activity '' that had taken place, and in order to keep my account I was supposed to upload a copy of my identification, which reluctantly I did after a couple of days. Mind you this company is known for it's Shady business practices. 
Today I receive an email from Venmo that my account was going to be permanently deactivated for " the safety of Venmo users ''. I've not had the account nearly 2 months, and my " activity '' is against their policy. Transferring funds and adding banks is against their policy. What a joke. A company who doesn't use names, goes by " Account Specialist '' is sitting in some back office, demanding my identification; holding my money and account hostage, is saying that my activity is a risk to the safety of their users??? What a joke. 
I finally said I didn't want the account anymore, that I just wanted my money returned. They're refusing to do so. This complaint is the first step in trying to recover my funds. VENMO IS NOT KEEPING MY MONEY. This company is a joke and needs to be shut down.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting and failure to service loans by XXXX. Specifically, I have discovered that two student loans, originally held by the Department of Education and subsequently transferred to XXXX, have not been serviced by XXXX since XXXX. I received this information directly from XXXX. 

Despite numerous attempts to resolve this issue through XXXX 's customer service and investigative processes, I have not received any satisfactory resolution. These loans have not been serviced for almost a decade and are beyond the seven-year term of reporting. Therefore, they should be removed from my credit report immediately. 

This inaccurate reporting and lack of servicing have caused significant distress and potential damage to my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX for their failure to adhere to regulatory standards and consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and urge for a prompt resolution.
Product: Credit reporting or other personal consumer reports

I recently went into my XXXX XXXX and noticed a ton of inquires that I did not authorize. A lot of them are from dealerships who advised credit would not be pulled and now there's a ton of inquiries that I never authorized nor did I ever purchase a vehicle or finance through them. I disputed the inquiries with the bureaus but no change was made
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that there was a hard inquiry on my credit report on XX/XX/ by XXXX XXXX ( BANK ). I called the SYNCB number and they were unable to find what a credit inquiry was requested and forwarded me to XXXX. XXXX said, before they could do anything further, that I needed to file a report with the FBI, who sent me to this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has multiple balance increases in a row on my XXXX  and XXXX  credit reports that need to be removed, as my credit score has plummeted because of it. I contacted XXXX XXXX XXXX   and they said this never should have happened but those ticks against me are still there!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.
Product: Debt collection

They have not answered the phone for me the past 3 months.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini XXXX ( XXXX currency website ) So on XX/XX/XXXX My account has been frozen. 

This is the message that they sent me on XX/XX/XXXX. 
" Your Gemini account has been frozen due to a failed {$2100.00} bank deposit from XXXX XXXX  - XXXX, and you are urged to contact customer support promptly ''. 

I have contacted customer support and submitted multiple tickets ID since XX/XX/XXXX to reopen my account without any solution. Please see below some of the XXXX tickets that I have submitted : XXXX XXXX XXXX XXXX on XX/XX/XXXX they sent me an email requesting for me to send a current photo holding an ID on my hands and a ticket #. 

Since then I haven't received any response.
Product: Checking or savings account

On Saturday XX/XX/XXXX, Simple ( www.simple.com ) was shut down and transitioned to BBVA. For several months, BBVA and Simple sent emails detailing the transition process. I was told I'd be able to open an online account with BBVA to be able to access and mange my checking and savings accounts. 

When the date came, BBVA 's website did not allow me to sign up for an account and prompted me to call them. I tried calling several times to multiple numbers they've published. Every time I called, the call was disconnected. 

On Sunday XX/XX/XXXX, BBVA tweeted that they had extended customer service hours and published phone number to call ( XXXX ). Calling this number resulted in a representative pretending they couldn't hear me and immediately hanging up. I tried calling several times and always had this response. 

I am currently locked out of my account and no longer have access to over {$50000.00} in my savings and checking accounts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXT XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my account opened on XX/XX/year> the amount of XXXX.Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

Hello, Im writing to see if you can advocate on my behalf to Moneygram that I receive a refund for a transaction that they are holding funds for. They will not liberate the funds in the receiving country of XXXX and they are also refusing to refund that money to me as a sender until 90 days from now. This has to be illegal since they shouldnt have the right to hold funds for 90 days if the transaction can not be completed. 
I initiated a transaction with them on XX/XX/21 they withdrew the money from my XXXX  checking account the same day in the amount of {$2600.00}. 
They dated the transaction as processing on XX/XX/21 and sent an email saying funds were available to claim in the destination country of XXXX. 
They did not send any further communications and by the end of business on XX/XX/21 I called to ask where the money was. They proceeded to tell me that there was some sort of verification process I had to go through and that funds would be deposited within a couple of hours or up to 4 business days. 
I called yesterday, XX/XX/21, by the end of business to inquire about funds. They said there is an investigation pending and that it would take up to 90 days. 
I replied that it is unacceptable and to cancel the transaction to which they refused and said they would make a note of my preference and I had to wait and see. 
They also proceeded to blame the receiving bank in XXXX, who I contacted, and confirmed that they have absolutely nothing to do with Moneygram holding the money and that all they do is pay out the cash or deposit to account. They are not responsible for compliance nor liberating funds when they have been flagged. To this effect, Moneygram, is lying or ill-informing their employees on what to say. 
The money I sent is not money from illicit sources. I am a glass business owner and it is my salary. Moneygram should not be allowed to hold a customers money however long they want. These are funds that people send out of need not something to be played with. 
Please contact Moneygram on my behalf and demand that Transaction # XXXX be cancelled and refunded immediately.
Product: Credit card

HelloCapital One took me to small court in XXXX Texas, court dismissed case, capital one attorney discover it 's fraud account, capital one will not take it of my credit bureauI do have certified letter from court, please what is my optionsmy name XXXX XXXX XXXXXXXXXXXXphone number XXXX XXXX XXXXTHANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone put an inquiry for XXXX XXXX in my credit report Experian on XX/XX/23 without my knowledge
Product: Credit card

I had a Capital One Spark card that I used to pay my bills primarily with Western Union. 

There was several XXXX XXXXXXXX payments that did not get sent from Western Union and as such disputes were opened with Capital One to assist in locating the funds and making sure that the payments were found. 

On several occaisions Capital One charged me interest and fees in violation of the Visa network agreement. On several recorded calls, I was misled due to no fault of my own that certain actions would be performed and never were. For example in XX/XX/XXXX, I was told that the rep would continue processing the disputes and would call me back after it was completed and that I did not need to remain on the line, when I followed up a week later after not hearing back, that rep informed me that it was against bank policy, however confirmed that the call recording had been listened to and I was told it would be processed with out me on the line. Capital One refused to refund the interest fees that were applied. 

After the disputes were submitted late, I was charged interest and fees. Western Union then processed the items in question and I was made whole, however 1 XXXX was refunded resulting in a credit balance on my card for {$990.00} which Capital One is refusing to refund. 

I was informed, despite not owing anything to Capital One, my account remains in Collections and " Credit Balance Refund will be blocked indefinitely '' Additionally, I was told that my rewards balance would be paid out because it had been " redeemed '' prior to being closed. The balance is {$4400.00} I am asking Capital One to issue me a check for the following : 1. {$4400.00} -- Rewards 2. {$990.00} -- Credit Balance on the Card 3. {$800.00} -- Interest from XX/XX/XXXX 4. {$1800.00} -- Interest from XX/XX/XXXX 5. {$3200.00} -- Interest from XX/XX/XXXX Total : {$11000.00}
Product: Credit reporting or other personal consumer reports

I contacted CREDENCE RESOURCE MANAGEMENT, in regards to an XXXX account that was reporting on my report with a balance of XXXX. The rep I spoke with offered me a settlement amount of XXXX in which I paid and they advised that the account would be deleted off my report once the payment has been made. I tried to get the rep to send me information in writing to confirm that the account would be deleted once paymemtn is deleted and the rep advised that they do not send letters, and confirmed that our call was being recorded and assured me that it would be deleted. Upon checking my credit report the account status only lists as settlement and has not been deleted. I am requesting that the account be deleted per my discussion with the rep once payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A criminal background check was initiated using my personal information. I received a copy of the report via US mail several days later. The report contained a criminal history report with dates beyond the XXXX  requirement for reporting of XXXX years. The only exception to this XXXX year law is if the employment salary exceeds XXXX in which this position applied for reaches XXXX. This information was unlawfully reported and needs to be removed expeditiously. 

I filed a dispute via the company ( dispute # XXXX XXXX as well as the BBB ( case # XXXX ) and received a response from the company confirming they will not follow XXXX XXXX regulations. They stated they will only follow XXXX regulations, not XXXX. I have spoken with several attorneys regarding the issue and all have assured me that consumer reporting agencies not only have to follow XXXX regulations, but XXXX specific as well. I attached a copy of their response. They are in direct violation of XXXX XXXX and no one is offering assistance with removing the information from the consumer report to reflect properly. 

BUSINESS AND COMMERCE CODE TITLE 2. COMPETITION AND TRADE PRACTICES CHAPTER 20. REGULATION OF CONSUMER CREDIT REPORTING AGENCIES SUBCHAPTER A. GENERAL REQUIREMENTS Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than XXXX years ; or ( 5 ) another item or event that predates the consumer report by more than XXXX years.
Product: Debt collection

My information was used incorrectly to open credit cards/pay debt. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.
Product: Credit reporting or other personal consumer reports

This company violated my rights as a consumer. They were reporting to the credit bureau late payments during Covid under the Covid cares act Discover Was Reporting to the Credit bureau as late payments instead of current, when I fell behind on my payments due to XXXX, causing me to lose my credit card, I called and contacted them regarding this, and I was forced to make payment arrangements even though I did not have the money to make the payments after they continuous begin to hit my credit multiple times they violated the law, which states The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. They did not comply with this during my financial hardship, causing me to lose my credit card that I had been making payments on time until XX/XX/year> I fell on hard times and was unable to make those payments, and I called them stressing to them that I was unable to make the payments due to Covid and still end up losing my credit card
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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

I have already disputed these accounts and collections XXXX XXXX but they do not delete me I don't know why I need someone to help me I have already disputed XXXX XXXX and nothing that erases from my credit three XXXX XXXX and three closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX