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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) .Please delete the following accounts. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since 2019 I have called repeatedly to close my account with XXXX  XXXX and they refuse to stop drafting my account. ( 15 USC 1692f ) says this is a violation. 

Also there is a civil Liabialty ( remedy ) ( 15 USC 1692k ) Where there is in fact a remedy for my losses wages. 

SCRA Civil relief act says. That I am able to terminate any and all contracts due to me being a service member. 

After numerous attempts to communicate with my bank as well as XXXX  XXXX. I was advised by a military Jag Officer to file a complain here.
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. 


Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is reguarding a open complaint # XXXX if clam that be thet they are having trouble to conform my identity. its been wellover XXXX scence my first dispute correct my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

****Hello, My name is *XXXX XXXX* . I have been trying to complaint about incorrect problems exist in my credit report over past year but it has no success. According to my recent credit report request from XXXX, there are several inaccurate name, addresses on my report that might cause really bad effect to my credit profile. I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are the name and addresses that need to be removed urgently off my credit report : ************************************************ *NAMES REPORTED : XXXX  XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ************************************* & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & Please investigate all of the negative collections : XXXX XXXX XXXX Reported : XX/XX/XXXX ** XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX , Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX , Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, Reported : XX/XX/XXXX **XXXX XXXX XXXX, Reported : XX/XX/XXXX and all of the hard inquiries : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing  Contact the inquirer : MAIL ONLY _XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg.
Product: Credit reporting

I have sent in 2 certified affidavit in regard to my file. I did not au authorize anyone to pull my credit and put inquiries on them. ple please have these inquiries removed : ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XX/XX/XXXX ( 3 ) XXXX XX/XX/XXXX XX/XX/XXXX ( 4 ) XXXX XX/XX/XXXX ( 5 ) XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX A ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX & XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am writing to formally submit a complaint against Western Alliance Bank regarding the failure to link my new account, despite my request submitted.

I received confirmation that my funding method change was being processed, and I was informed that this process could take up to 30 days. However, my expiration date of XX/XX/year> has now passed, and my account remains unlinked.

This delay has caused significant inconvenience and potential financial repercussions for me. Despite my attempts to follow up, I have not received resolutions from the bank.
Product: Consumer Loan

My XXXX i-35 infinite vehicle was wrecked back in XXXX XXXX. The owner that hit my vehicle his insurance company paid off my vehicle in XXXX XXXX. It was total paid off to the " Go Financial '' company. My name should have been submitted so that my credit score could improve. 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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This public record or XXXX XXXX Bankruptcy account is fraudulent due to I have never done business with your 3rd party vendors XXXX XXXX XXXX XXXX XXXX and I never give them my express written permission to put anything on any of my consumer reports or they should not have any of my personal non public information. 

I do not recognize the 3rd party vendor that Equifax where they get their data from, nor did i ever done business with them for them to have of my nonpublic personal information. The aforementioned account are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned account are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block the said account, in this CFPB complaint from my consumer credit file or consumer report within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to my private email address listed in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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.
Product: Debt collection

i called creditor and they want all my personal information and will not give me the proof that I owe XXXX over {$40000.00}. Them they want to charge for the report. XXXX XXXX XXXX  and I rolled over my account without owing XXXX any money
Product: Debt collection

I inquired online to see if I qualified for a loan with their company using my car title as collateral, which I did but decided I didn't want risk my car so I never picked up the check to cash it. Now they are calling threatening to do all sorts or unsavory things to me
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments have attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. This is a clear inaccuracy on my credit report. Im now requesting you investigate this account and update this payment to Paid on time immediately.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. The following account is the one I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Bank account or service

In XXXXXX/XX/XXXX I purchased a 12-month Certificate of Deposit for {$250000.00} from Synchrony Bank ( then called GE Capital Bank ) from money which came from the sale of our house, which would be needed in XXXX, XX/XX/XXXX to pay the large capital gains tax on the house. I sent instructions to Synchrony Bank to immediately transfer the money when the CD was mature to my checking account at XXXX XXXX XXXX, and I provided them with a voided check with the bank routing number and my account number at XXXX XXXX XXXX. Synchrony Bank sent the money with an incorrect account number to XXXX XXXX XXXX on XXXX XXXX ( this bank error was acknowledged by the supervisor at Synchrony Bank, XXXX XXXX, telephone XXXX XXXX XXXX extension XXXX ). The money was returned by XXXX XXXX XXXX XXXX Synchrony Bank on XXXX XXXX because of the incorrect account number. Synchrony Bank, through XXXX XXXX, acknowledges receiving the money on XXXX XXXX but as of now, over XXXX hours later they " can not find '' the money ( the amount missing is {$250000.00} ) and it has neither been returned to my account nor sent to the correct account at XXXX XXXX XXXX. Numerous phone calls to XXXX have been met with the claim that they do n't know what happened to my money, that they are working on it, and that there is no one I can talk to at the bank who can solve the problem. It is now likely that I will not be able to pay my income taxes next week and will thus incur significant interest and penalties on the tax owed ( over {$200000.00} ). I am now retired and have minimal income and no other way to raise this money. I have been treated very poorly by Synchrony Bank both in their incompetence in using an incorrect account number and in their alleged inability to fix the problem or to find my money even though they acknowledge it is somewhere in their own bank system. This amounts to negligence, incompetence, and possibly fraud and will have a materially harmful effect on my wife and me.
Product: Credit card

I made a payment on XX/XX/year>, under the assumption my available credit will become available once the payment posted or at the most in a XXXX hrs. period. Now they have the funds on hold until XX/XX/year> ( 11 days ). I had my internet and cell phone bills on a pre-arranged payment plan and because of this hold I was unable to keep my promise as they decline my internet payment. I have never not honored my payments to them. I did have to cancel XXXX payments in the past because I had paid them w/ another card and I simply did not have enough funds to cover both payments. I need to have the available credit become available now. The funds have been taken out of my checking account and if you look at my payment record I honored e/one of them. My internet is about to be disconnected if I dont pay by the end of this week. I work from home and need my internet to be able to provide to my family.
Product: Credit reporting or other personal consumer reports

I trust this message finds you in good spirits. I am reaching out regarding my recent examination of the credit report obtained from your bureau. Upon careful scrutiny, I observed the presence of reported late payments on my account. I have taken proactive steps to address and rectify any tardy payments, and I'm pleased to report that other credit bureaus have already removed these late payments from their records. I am curious about the discrepancy in reporting between your bureau and others. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Lexis Nexus on XX/XX/XXXX requesting them to send me a copy of my consumer report. As of today they still have not provided me with this information and they continue to share my information on XX/XX/XXXX I received a letter stating they verified my information without my permisson.
Product: Credit reporting or other personal consumer reports

Regarding XXXX XXXX : I viewed my Equifax credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from Equifax it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XXXX. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/XXXX  I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/XXXX  to XX/XX/XXXX  when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX/19 myself XXXX XXXX and my wife XXXX XXXX went to Ashley Furniture in XXXX Ca. 

The salesman XXXX XXXX offered us a 18 month no interest store credit. I put XXXX down on XXXX on a separate receipt. 

My wife on a separate credit account with same terms 18 months, spent about the same. 
Also present was XXXX XXXX our adult son. 

The print out I was given to sign showed 12/months. I told the salesman that I refused to sign that because it said 12 mos. not 18. 


He said he it was wrong, took it to the back office, then returned. He said they put in the correction, that it is 18/mo for both of our orders, not to worry. He said paperwork would issue when the furniture was delivered. 

I informed him that I not sign anything that said 12/months. He not to worry. He gave me his card and cell number if I had a problem. 

The bed set was delivered, nothing mentioned 12/mos. I set the automatic payment up at XXXX month to end just short of 18 months. 

Last month my wife noted the promotion period to end in XXXX 2019. I called and to my dismay, we both are stuck with either a XXXX payment to clear it up, or 30 % interest. 


I checked my receipts, I found the unsigned receipt showing 12/mo. I called synchrony and was told to contact Ashely Furniture. I called the Mr. XXXX the salesman XXXX/XXXX/19, that made the contract with me for 18/mos. He said he recalled that 18/mo, no interest given to us. 
He said he no longer works there, and told us to speak to XXXX. I called XXXX today and he gave me a message that he doesnt no how to help me. 

I am returning to speak to XXXX the store XXXX. I have 3 witnesses, 2 documents that show the 12 month was NOT signed. 
I have the salesman that told us it was 18 months promotion, XXXX XXXX card. His number is XXXX. 
My bank shows every payment was made timely in an amount that was divided evenly between 18/mo. 

I wouldnt have bought that if it were a 12 month payoff promotion. 

I feel this was extremely wrong. I was denied the opportunity to terms of no interest by being given information that ensured we would not pay it off in time to enjoy the benefit. I think it was someone just forgot to make the change, rather than deliberately being deceptive. I am not sure why the salesman no long works there, but we know what he told us : 18/mo no interest. 
Through meeting of the minds and absence of my signature on documents ( we were told were a mistake ) misstating terms, us 3 adults confirmation of facts and the salesmans corroboration of facts, We want to be given the terms we were promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just find this morning capital one inquiry was made without me known, I did authorized this inquiry, therefor I want it removed, it lower my score with XXXX by 70 points, please removed this inquiry and I notice more inquiries that are not mine XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX I do not recognize neither and did not authorized, there for I want them removed and deleted from my XXXX and XXXX I been working very hard to fix my credit report of all inaccuracies and unauthorized transactions, thank you this inquiries are in my XXXX and XXXX and also XXXX
Product: Bank account or service

Bank of America cleared a cashiers check that I had deposited. I spent {$3300.00} of the {$7500.00}. BofA notified me today that the cashiers check was fraudulent and that they are holding me responsible for the money spent. They are at fault for clearing the check not me. I want the money reimbursed to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/X/2017 Equifax had a security breach and I have been informed that my personal and financial information mat have been compromised. Not sure what else to say besides this is gross negligence and under no circumstances is it acceptable for such a large company with access to credit information to nearly all of the population of the U.S. to all this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard inquiries. I did not authorize for these companies to pull my credit. I am demanding that these unauthorized inquiries be removed from my credit reports w/ all three major repositories. If these companies refuse and state that I did authorize this, I demand for an application w/ my wet signature be sent via mail to me. If these companies can not provide this info I ( once again ) demand that these unauthorized inquiries be removed from my credit reports. 

XXXX XXXX XXXX XXXX Pulled XX/XX/2018 ( I told the sales counselor not to pull my report because I had gotten approved already from a financial institution ) SARMA- Pulled XX/XX/2018
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 the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, EXPRESS RECOVERY add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Department Store-paid off account in XXXX, made a small purchase after on credit card. In XXXX XXXX, my statements were switched to paperless-not be me-with an incorrect email address also. As soon as it was realized, account was paid in full. Told by Kohls for months ( XXXX XXXX ) that it would be updated as it was Kohl 's error, lied to repeatedly, told the credit bureaus were the ones who would n't fix it, etc. Kohls is refusing to remove the one time late payment being reported to the credit bureaus, when it was indeed Kohl 's error.
Product: Mortgage

Hard credit inquiry issued against me and my wife without authorization. Equifax ( unlike Transunion ), has refused to remove hard credit inquiry thus negatively impacting both of our credit scores. 

I 'm going to keep submitting these complaints here and to the XXXX until the hard credit inquiry is removed from both of our accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i checked all three of my credit reports and discovered that in XX/XX/2022 my old roommate opened a credit line from XXXX XXXX Bank for {$2000.00} and charged {$2500.00} on it in total. I did not open this account and am reporting this fraud. I have reported this to the Federal Trade Commision report number XXXX