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

In accordance with the Fair Credit Reporting Act this creditors ( PNC ) Account number XXXX, ( XXXX ) acc ending XXXX, ( XXXX XXXX XXXX  ) acc ending XXXX has violated my Rights. Under Act 15 U.S.C 1681 section 602 says " 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 an account without my written instructions ''. Under 15 U.S.C 1666 B. '' A creditor may not treat a payment on a credit card account an under an open and consumer credit plan as late for any purpose ''. Thus shall be updated immediately according to ordinance stated above, Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Money transfer, virtual currency, or money service

Hi there, I have a small business checking and savings account with Chase Banking. We used a service called XXXX XXXXWePay to receive clients ' payments via credit card. The payment gets sent to WePay which is usually automatically transferred into our Chase business checking account. 

The screenshot below with the title " Sales Activity '' is the app from WePay. On there, you can see that my customers have made 3 payments : XX/XX/XXXX : {$400.00}, XX/XX/XXXX : {$400.00}, and XX/XX/XXXX : {$650.00}. These payments were NOT transferred into my Chase business checking account as they normally are supposed to. 

Furthermore, WePay emailed me saying that my WePay account has been closed for " high risk of chargebacks or dispute ''. Now when trying to log in to the WePay account, it is no longer accessible and they have not released the total funds of {$1400.00}. 

When I called WePay for clarification, they did not give any information about why the account was closed without notification and did not share what they meant by " high risk of chargebacks or dispute ''. They said that we needed to appeal via email ( XXXX ) for the funds to be released. I have emailed them and have not heard back and am concerned about my money being held captive by them. 

I have already met with my bank representative at Chase Banking and they can not get clarity on how funds can be released accordingly as they are not WePay. My customers have already been charged and WePay is holding the money in reserve. 

I would really appreciate any assistance in helping my funds get released. This has been really frustrating and I need help. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These are unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), which I have not approved or given written permission to furnish in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX
Product: Debt collection

This company has not provided proof of contract with wet-ink signature on the contract confirming I signed and contracted with XXXX and/or Aldous & Associates. Claims money is owed and shows an unsigned " Member Agreement '' but nothing with a signature. They are a third-party who stole my information without my consent and are trying to defraud me.
Product: Credit reporting or other personal consumer reports

There has been ZERO XXXX XXXX updates to any of the 3 major credit bureaus in almost 4 months, the missed payment in XXXX is also incorrect. My XXXX XXXX no longer shows on my TransUnionXXXX reports. XXXX shows no payments since XX/XX/XXXX, all my recent payments are not properly being reported. I have called multiple times, I always get told their " activity '' looking into it and to expect an email but it's been almost 4 months with nothing! They are not holding up their end of the cardholder agreement, yet they're still charging me interest!
Product: Debt collection

I WAS A VICTIM OF THE XXXX DATA BREACH AND HAVE MULTIPLE ACCOUNTS THAT WERE FRAUDELANTLY OPENED IN MY NAME. THESE CREDIT CARD ACCOUNTS EVENTUALLY WENT INTO COLLECTIONS WITH MIDLAND CREDIT AND ARE AFFECTING MY CREDIT REPORT. I ALSO HAD RECENT INQUIRIES TO DIFFERENT MORTGAGE COMPANIES AS WELL ALL DUE TO THE XXXX DATA BREACH. I HAVE WRITTEN SEVERAL LETTERS TO THE THREE CREDIT BUREAUS ASKING THAT THEY REMOVE SAID ACCOUNTS AND INQUIRIES WITH NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXX XXXX AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown on my report.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

Bank of America opened an account in my name without my consent or request. Since about XX/XX/1922 I have been receiving monthly bank statements in my name that contain no balance but includes a service fee of {$4.00} per month. I have not approached the bank about this because I understand this is an illegal practice as per the XXXX XXXX fraud case years ago. I do not have any personal accounts with Bank of America but my company does have a business account with them.
Product: Credit reporting or other personal consumer reports

credit inquiry on XXXX from XXXX XXXX  not authorized with me. credit inquiry on XXXX from capital one not authorized with me.
Product: Prepaid card

I had an over charge from my insurance company XXXX XXXX. I filed a dispute, for the overpaid amount. I was called by Bluebird and told that I would not get a provisional credit. I was then in contact with XXXX XXXX, who told me they sent the whole amount of the bill paid back to my card on XXXX XXXX, XXXX. I still have not received this refund. I called Bluebird AMEX every day since XXXX XXXX, and each time I am called I am told a different story. It takes 3-5 days to process refunds. Then it takes 8 days for AMEX to process refund. Then I was told that my dispute was closed without ensuring that I got a refund. That it would not be until XXXX XXXX, XXXX before I could get any more information about this dispute from them. Then I was told that my dispute was closed on XXXX/XXXX/XXXX. When I tried to open the dispute again, I was told that the dispute was not closed but the provisional credit was. Then I was told that AMEX Bluebird talked to XXXX XXXX last on XXXX/XXXX/XXXX, which is impossible since it was a Saturday, and the corporate office is not open. I was also told that AMEX was told by XXXX XXXX, they were processing a refund. I asked for a corporate office number and they would not give me one. No one is trying to help me resolve this problem. I was also told that XXXX XXXX is the reason that I was declined for the provisional credit. I am not understanding why? How can XXXX XXXX dictate AMEX Bluebird policies. I orginally filed my dispute on XXXX XXXX, XXXX, and it should be resolved way before XXXX XXXX, XXXX. It 's like they closed the provisional credit, and opened another dispute to extend the 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore I proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason. 
XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX card - XXXX/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

Complaint Against Equifax for Violations of 15 USC 6802 and 15 USC 1681b Resulting in Unauthorized Accounts, Addresses, and Inquiries Dear Sir/Madam, I am filing a complaint against Equifax for violations of 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681b ( Fair Credit Reporting Act ), which have resulted in significant harm to my credit report and financial standing. Details of the Violation : Unauthorized Accounts : Several accounts were opened in my name without my knowledge or consent. Unauthorized Addresses : Incorrect and unauthorized addresses were added to my credit report, which do not belong to me. Unauthorized Inquiries : Inquiries from creditors I have no relationship with appeared on my credit report without my authorization. Impact on Me : As a result of these violations, my personal and financial information has been compromised, leading to severe stress and significant financial consequences. This includes difficulty obtaining credit, potential financial losses, and emotional distress caused by identity theft. Actions Taken : I have taken the following actions to address these issues : Filed an identity theft report with the FTC ( Report Number : XXXX ). Submitted disputes with each credit bureau, including Equifax, to remove the unauthorized information. Requested Resolution : I request the following actions to be taken by Equifax : Immediate Deletion : Remove all unauthorized accounts, addresses, and inquiries from my credit report. Investigation : Conduct a thorough investigation into how my personal information was mishandled and ensure corrective actions are implemented. Assurance : Provide assurance that Equifax will comply with 15 USC 6802 and 15 USC 1681b to prevent such incidents in the future. Corrective Actions : Take appropriate actions against the responsible parties to prevent recurrence. I appreciate your prompt attention to this matter and request confirmation of the actions taken to resolve my complaint. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ON XX/XX/XXXXXXXX XXXX  XXXX Assigned two loans in my name, which appear on my credit report. One in the. amount of {$240.00} and the second one assigned on XX/XX/XXXX in the amount of {$270.00}. both with the report date of XX/XX/XXXX. I am stating that both if these accounts are not mine. I have no knowledge of either one. either they have the wrong person or this is clearly fraud/identity theft. I have filed disputes with the credit bureau. and I would like this accounts removed from my credit report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Communications on XX/XX/XXXX assigned credit in the amount of {$690.00}. and reported to my credit on XX/XX/XXXX. I am stating that this account is not mine. I have no knowledge of the account. either they have the wrong person or this is clearly fraud/identity theft. I would like this account removed immediately fro. my credit report.
Product: Credit reporting

XXXX submitted a hard inquiry on my Equifax report to obtain a credit card on XXXX/XXXX/2014, which I did n't apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

50 States business permits scams and IDs scams frauding my documents Frauding scams using XXXX XXXX XXXX of XXXX XXXX Indiana of my documents of birth of XX/XX/XXXX Frauding scams using my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams frauding my brother documents of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX of XX/XX/XXXX Indiana XXXX XXXX Indiana of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per tracking, its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC XXXX XXXX  reporting a higher balance and the credit limit is $ XXXX but reports I owe $ XXXX I dont know this company. I dont owe these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the subject of identity theft and am trying to place a credit freeze on my credit report with Experian. When attempting to do so, the Experian website is requiring that I set up an account but an account has already been setup at Experian by whoever stole my identity. The forgot username option on the Experian website is sending the account information to an email address that I do not recognize and that, presumably, was setup by whoever stole my identity. Have attempted numerous times to contact Experian by phone but the automated system doesn't have an option for this issue and there is no ability to speak with a representative. Each time I request to speak with a representative, the automate system says that phone support is only available in limited circumstances and then sends me back to the start of the automated system. The Experian website has no email address published to send this issue by email. I'm at a loss how to contact Experian and gain access to the account setup fraudulently to access to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on both of my XXXX XXXX, XXXX XXXX XXXX accounts they are way too old and wasn't useful
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over XXXX XXXX heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX  did fraud with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX OF XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.