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

15 USC 1681n ( a ) ( 1 ) pertains to any violation amounting to $ XXXX. So any reporting agency that furnished inaccurate reports or violated your rights I want {$1000.00} for. My credit card was charged again with out my authorization which is identity theft and the second violation.To allow anybody to put anything on my credit report with out clarifying it with out my consent is negligence which Is a thirds violation.The fourth is 15 USC 1681s-2 which is furnishing my information and the fifth is failure to disclose.The sixth is how I was giving a car that said maintenance in so many miles along with how it says tire which is a hazard.I was charge extra when the rental should of been reimbursed but I was charged extra.Dollar negligence could of been why I died because of dollar negligence.15 USC 1681s-2 regarding the duty to provide accurate information, 15 USC 1681n ( a ) ( 1 ) regarding the compensation for willful noncompliance, and 15 USC 1681 ( 7 ) regarding the obligation to provide information within a specified timeframe which is 15 days is 10 violations.The FCRA consist of investigating and removing what I demand off of my credit card since my card was charged with out no signature or signature
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for an apartment at XXXX XXXX in XXXX ct and my information was ran using XXXX XXXX and unfortunately I was denied based of credit and debit to ratio I have XXXX collection on my equifax report that doesnt belong to me I been a victim of identity through equifax date breach as well as my employer XXXX where my identity has been stolen I have XXXX XXXX, XXXX and XXXX collection  that I been trying to dispute I also go denied due to inquiries there all mainly soft pulls that we shouldnt be affected by im so discourage with the outcome now Im left with XXXX children homeless due to my credit I want them to be removed they are not even on my XXXX or XXXX report I deserve a fair chance my credit isnt going to affect my ablitlity to pay my rent
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Trade Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and i went through a financial hardship due to her being XXXX  fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure.

Account- XXXX XXXX XXXX XXXX Dispute - late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature- seeking forgiveness due to hardship resolution- reflect late payment statues as current/paid
Product: Credit card or prepaid card

RE : Complaint XXXX In the above-referenced complaint, Synchrony failed to respond to any of the issues regarding the closure of my account. It is clear no employee at this company will respond honestly to this complaint since they will be fired for providing assistance. 

Synchrony claims they could not electronically credit my checking account ; in XXXX this seems highly unlikely and would like this to be investigated further. Had they done this, my overpayment would have been resolved immediately Synchrony claims my payment made on XX/XX/XXXX was rejected due to an invalid account number ; they have provided absolutely no details regarding the message they received. Excluding the absurdity of closing this account for a typo, if they are using this as their reasoning they must provide more details Synchrony claims they can interpret their terms however they see fit and apply them in whatever manner suits them, and the cardholder does not have any recourse
Product: Credit reporting or other personal consumer reports

According t 15 U.S.C 1681B a credir inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, i have the right to dispute inaccurate information on my credit report. The following inquiries werw not authorized by me, and i request that they be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I attempted to check the balance on my XXXX and XXXX gift cards issued by XXXX, XXXX. I did this at XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX It used to be that I could check at least five of my cards before my IP address was blocked. Even though this is annoying, I accepted it as a reasonable security measure. Now, I can only check one card at a time before my IP address is blocked for XXXX hours. This is unacceptable. The website told me to call XXXX for assistance. The person at that number said that he could not assist me, and could not transfer me to anyone who can assist me. This also is unacceptable.
Product: Credit card or prepaid card

XXXX charged us a monthly fee ( {$24.00} ) for several months in late XXXX and early XXXX, charged on or around the XXXX of each month, unauthorized and so fraudulent. During COVID lockdowns and disruption, we did not receive paper Chase statements, timely. We only noted the fraudulent charges upon reviewing paper statements. We live in an area that does not even have XXXX ( XXXX XXXX, NC ). We contacted Chase ( XX/XX/XXXX ) to resolve these fraudulent charges, as XXXX was non-responsive. We also asked how this could possibly happen, as our credit card was replaced during the period of fraudulent charges and we received an inadequate response from Chase that XXXX ( XXXX, Amazon, etc. ) can apply charges to credit cards even after replacement? We then received a letter ( XX/XX/XXXX ) from Chase stating the investigation was resolved, that " ... You notified us that this transaction is valid... ' and that the charges would be applied in a subsequent billing cycle. This is a lie- we never notified Chase that any of these transactions were valid ; it is unacceptable Chase allows our credit card to be subject to fraudulent activity, that Chase apparently is aware of and continues against us and others, to this day. The incompetent 'investigation ' speaks for itself. We have canceled the Chase credit card, and we will not pay for fraudulent charges. This will likely show up on our credit report, adversely to us. What is a consumer to do, to protect themselves from this madness and unethical behaviour?
Product: Credit reporting or other personal consumer reports

Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX  Balance updated {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete ALL
Product: Payday loan, title loan, or personal loan

Took out a loan and never received all the money
Product: Credit card or prepaid card

Subject : US Bank is discriminating against XXXX  Veteran and those on Social Security 1. Dates/days : Cycle Close date XX/XX/2023 Statement Date XX/XX/2023 ( should be ) Date of my complaint : XX/XX/2023 Cycle days : 30-45 days ( month and a half payment on top of regular payments ) 2. My opinion : After having a good relationship with US Bank, I believe the transition or the partnership with another bank ( Union bank ) the new people they see the activity on my account meant to offend other banks are offending the people from Union Bank, not U. S. Bank.

3. My problem with other banks is they will let the smaller transactions go through, especially over the weekend, and then push the bigger transaction right behind them.

4. The discrimination part Is against those who get social security or who are no longer working. Who gets paid on the third Wednesday of the month and not the XXXX. Is preyed on by banks who wants these fees. The third Wednesday of the month does not always fall on the XXXX. It can. Vary from the XXXX to. The XXXX is only good for banks. When youre more concerned with the working class those who are thrown on the bus are those who receive XXXX in the disenfranchised.
Product: Debt collection

Have been in contact with Bank OF America on XX/XX/2021. I sent in an affidavit. I was then contacted by XXXX XXXX XX/XX/2021 A Bank Of America Officer, Resolution Specialist and Regulatory Complaints Manager. I sent out another demand for my due remedy via email where I attached Bank Of America CEO and CFO to the complaint and request for remedy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd part affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Innovis is collecting my data without my knowledge or consent, reporting inaccurate information, not providing a report, has made it difficult to obtain a customer service rep or an actual report. I have requested a freeze and also to stop collecting my information and distributing it to any Third-party, etc.
Product: Credit reporting or other personal consumer reports

Good afternoon, below I attach information from inquires and collections not recognized or authorized by me, the information that exists in my credit report is incorrect and I immediately need it to be removed from my credit report in EQUIFAX, XXXX, XXXX. I appreciate your timely collaboration and I remain attentive to your effective and prompt response XXXX INQUIRES DONT RECOGNIZED XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX / XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX INQUIRES DONT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES DONT RECOGNIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXXXXXX was open in my name in all 3 credit reports XXXX, Equifax, XXXX in XX/XX/year> its a collection account balance is XXXX I never give my consent to open this account my information has been compromised due to identity theft would like this account removed asap please
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was reviewing my credit reports. XXXX, XXXX and Transunion. 

I noticed that on XX/XX/XXXX there was a hard inquiry on my credit reports from XXXX XXXX XXXX XXXX XXXX, OH XXXX. I knew that I did not have nor did I attempt to obtain any creditcard from XXXX. 

I called XXXX at XXXX and spoke to them two times which is their fraud department. The fraud department checked my concern about someone applying for credit against my name, first and last name, date of birth, social security number and each time could not find any attempt to obtain credit with that information or any active account. 

I explained to them that the acocunt was listed on my credit reports, XXXX, XXXX and transunion XX/XX/XXXX. The Fraud department stated they can't report to have it removed from my credit report because they do not show any active account or any attempt that I have even tried to apply for credit via my social security number, date of birth, first name last name, etc. 

I then called the credit reporting agency XXXX who states that XXXX  need to tell them to remove it they just can't remove something. I explained to them what XXXX services said then the guy told me I have to file an FTC report so they can remove it from my credit report. 

I just want all of my credit reports updated to have this hard inquiry removed asap! ~
Product: Credit card or prepaid card

A fraudulent credit card was opened in my name with Comenity Bank/My Place rewards in around XX/XX/2022 with a balance of {$2300.00}. 

I learned and made a complaint in XX/XX/2022. I contacted the bank to start an initial dispute and to have the account closed. The bank responded saying the account stands with no further information of the investigation they conducted. 

The account is still fraudulent and negatively impacts my credit score.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/XXXX * Early Warning Services , LLC * Attn : Consumer Services * XXXX North XXXX XXXX * XXXX, AZ XXXX Request to remove accounts from XXXX XXXX Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a personal loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a personal loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights XXXX XXXX XXXX account # XXXX XXXX has violated my rights XXXX XXXX  XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates 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: Mortgage

On XX/XX/XXXX I filed an application with Pentagon Federal Credit for a VA TYPE II refinance. Penfed did not provide an opportunity to explain seasoning is not required for type II VA loans and that the applicant already met seasoning requirements if they could apply. Penfed also failed to provide a loan estimate within 72 hours from applying. Because the XXXX loan being refinanced closed in XXXX, the first payments where due more than 210 days prior on XX/XX/XXXX or the date of the application. Because the covid forbearance credit suppression did not stop until XX/XX/XXXX, Penfed assumed seasoning requirements could not be met for a government backed loan product that can not include seasoning. XXXX  delayed credit suppression protection removal due to an erroneous Escrow Analysis from XXXX when the Veteran was found permanent and totally XXXX. The Escrow Analysis was not resolved until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX FIN Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone 3. please validate as I believe you are in violation of my rights XXXX XXXX Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation
Product: Credit reporting

They have person information on my credit report that is inaccurate. I would like to up date and remove any person information that is n't current. Names, address and phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC. Included with this complaint are : FTC Identity Theft Report, Letter to XXXX, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft Report.