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

THESE INQUIRES HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NOT BENEFITTED IN ANY WAY FROM ANY OF THEM LISTED BELOW. PLEASE REMOVE THEM WITHIN 4 DAYS. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA, Im unable to get my credit report due to a failed website and information that is either mixed or fraudulent. I can not access my personal information for being locked out of Trans Unions online website. Once I login to XXXX XXXX which I dont know who this company is, it does not sat Trans Union but redirects me to this site. Once account is setup accessed and then logged off, it locks you out. There must be some fraudulent activity associated with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

I leased my vehicle in XXXX  at the price of XXXX. I have only been late 3 times and pay $ XXXX  monthly. My issue is that my payments arent going down, even with paying the finance charges/ late fees as well. Santander is saying that I owe XXXX left on my vehicle. How if i've been paying it down XXXX  MONTHLY. My account payment should be way lower with paying a {$800.00} carnote.
Product: Credit reporting or other personal consumer reports

Every time I mail in a request to receive my credit report its ALWAYS an issue and i NEVER receive what I ask for.. Its always the same cycle of sending in " verifications '' for your identity such as your drivers licenses ( which is unconstitutional ), a bill/lease and your social security card.. XXXX XXXX XXXX and Experian are ALL NON GOVERMENT AGENCIES. THEY ARE PRIVATE OWNED CORPORATIONS HENCE THEIR COMPANIES HISTORY. YOU ARE A PRIVATELY OWND ENTITY THAT CONGRESS HAS SAID " Consumer reporting agencies have assumed ( ASSUMED?? ) a vital role in assembling and evaluating consumer credit and other information on consumers..There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " .... if yalls private entities gone have my social security number without my prior written consent I think i should be able to receive my credit reports when I ask and not have to go through any ridiculous cycles. This has really impacted not only my financial situations but also estate/family situations. This is defamation of character
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unfortunately, I became a victim of Identity theft, my identity was stollen and as a result I got several hard inquires on my report that I have never authorized. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
you are reporting the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I am well aware of my rights as a consumer. It is with this in mind that I request that these listed items and items be DELETED!
Product: Money transfer, virtual currency, or money service

Balance being charged for purchases instead of payment method selected by customer. 
When using PayPal checkout to make a purchase with a 3rd party XXXX XXXX XXXX XXXX XXXX, I was presented with a screen asking me how I would like to pay. I selected my Credit Card on file with PayPal. However, upon further inspection I found that PayPal charged my PP balance without my consent instead of charging my credit card. 

Funds from my PayPal balance were withdrawn without my consent and used to pay for a transaction that I had chosen to put on a Credit Card. 

I filed a complaint also with the XXXX, and PayPal replied, expressly verifying my claim and stating that they did nothing wrong and will not change their behavior.
Product: Credit reporting or other personal consumer reports

I have reviewed a recent credit report and several unauthorized inquires are reporting that were not authorized or done so by myself, I believe someone has gained access to my personal information and is actively attempting to gan credit under my personal information, due to the several amount of unauthorized inquiries it is negatively affecting my credit score and I would like for them to be removed, the following inquires are 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 sent letters into XXXX, equifax, & XXXX. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}
Product: Checking or savings account

I have not contacted Huntington at this time due to them not being opened at this time. On XX/XX/2023, I attempted to deposit {$1200.00} to the ATM on the outside of my local branch. I did another transaction of {$380.00} since it can only read XXXX bills at a time. The first transaction read as {$1000.00}. The second transaction was accurate however.
Product: Credit reporting

On Friday, XX/XX/2017, I received in the U.S. mail my " Experian '' credit report dated " XX/XX/2017. '' On " Page 28 of 30 '' under the " Record Of Requests For Your Credit History '' column it noted that " XXXX Resident Screening '' of " XXXX, MA XXXX '' unlawfully accessed my " Experian '' credit report on " XX/XX/2017. '' On XX/XX/2017, I was on vacation in Hawaii. I am a victim of " Identity Theft. '' I then called up " Experian '' and they refused to " Delete '' this unlawful " Identity Theft '' entry off of my " Experian '' credit report!!!
Product: Checking or savings account

Hello- The is regards to a wire transfer sent from my account at Huntington Bank XXXX On XXXX/XXXX/XXXX I initiated a wire to XXXX XXXX XXXX via XXXX XXXX XXXX. I received a phone call on XXXX/XXXX/XXXX advising me as follows. I have a recorded transcription of this as well. " This is XXXX from Huntington bank and I am calling about the wire on the XXXX for {$2400.00} this wire was going to XXXX to XXXX XXXX XXXX they are unable to apply these funds stating that the beneficiary name is incorrect. we are requesting these funds be returned to us, if you have any questions please call us at XXXX reference # XXXX " I called on XXXX/XXXX/XXXX and was advised that the beneficiary did not receive the funds and would NOT receive the funds as a recall had been initiated. I subsequently initiated a wire in the same amount of {$2400.00} on XXXX/XXXX/XXXX under the auspice that my original funds had not been received by our vendor. 

I was advised to call back in a week and check if the funds from the 1st wire had been credited back. When I called back I was advised that the funds from the first wire had not been credited to the XXXX XXXX XXXX, and that Huntington was waiting on XXXX XXXX and XXXX XXXX XXXX to return the funds. I was advised that this process can take up to 30 days. 

I continued to call in weekly and check the status of the {$2400.00} from my original wire that Huntington repeatedly advised me was not received by the beneficiary. And was told the same thing each time. Nothing to worry about. Recording of all these phone calls should be available. 

Finally on XXXX/XXXX/XXXX I received a phone call from Huntington bank, XXXX in the wire transfer department. in regards to the recall request that was sent on XXXX/XXXX/XXXX. There is a denial from XXXX XXXX XXXX to return the money. And we are considering this case closed. Please contact the beneficiary for any further information. reference # XXXX I am requesting my original wire of {$2400.00} be credited to my account immediately by Huntington Bank. I was repeatedly advised throughout the process that the money would be coming back to me and the beneficiary never received the money only to be told 30 DAYS later that the beneficiary in fact received both wires and was refusing to return them. 

The communication breakdown in the wire system with Huntington Bank is unacceptable and fraudulent. They repeatedly advised me no further action was necessary and " not to worry '' all while the stood idlely by doing nothing to recall the original funds. There wire process and wire department needs to be investigated throughly so this does not happen to customers in the future.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : 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 fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an personal loan opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The inclusion of these accounts and inquiries on my credit report is fraudulent and unauthorized, and I am entitled to have them removed as they resulted from identity theft or unauthorized access. 
The following accounts are to be blocked and deleted : Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$29000.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$10.00} XXXX. XXXXN o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$590.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$910.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$270.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$820.00} XXXXXXXX XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} Additionally, I request that the following inquiries be blocked and deleted from my credit report : Inquiries : XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX OF XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX
Product: Debt collection

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that the credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the XXXX, XXXX, and TransUnion has not replied to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts : XXXX  XXXX Balance Owed : {$3900.00} ; XXXX  XXXX Balance Owed : {$4600.00} ; XXXX  XXXX Balance Owed : {$3300.00} ; XXXX  XXXX Balance Owed : {$0.00}, as I believe these are reporting in error. I request an investigation and verification of these accounts to appear accurate information on my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Early Warning Services, I am writing regarding a dispute involving inaccurate information re-inserted onto my credit file related to formal disputing I have sent you over the last couple of months. Despite my requests for method verification, and you have not been following and abiding the Federal law. I would like to refer to the recent CFPB lawsuit against Early Warning Services XX/XX/XXXX, which highlights failures to provide consumers with proper dispute resolution and method verification. This aligns with my situation, where XXXX XXXX XXXXXXXX and XXXX XXXX and XXXX XXXX XXXX  failed to assist and conduct proper investigations regarding my case. As a victim of identity theft, I have already submitted a notarized affidavit. Pervious I request that you promptly provide the necessary method of verification which you fail to due this is required under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX. I demand you conduct proper investigation as required by FCRA law. Do not accept the findings of furnishers who do not provide thorough results of their investigation ; such as names, dates, affidavits under penalty and perjury, interviews which I will demand you to provide to me in detail via mail. You're instructed to delete the disputed information within the timeline provided by federal law.
Product: Vehicle loan or lease

I bought a car in  XXXX   XXXX  from  XXXX  at  XXXX   XXXX   XXXX ,   XXXX   and w as approved by Santander consumer USA. Inc. for financing. After I bought the car but before reg istering the car in  XXXX  county,   XXXX   I relocated to  XXXX   XXXX ,  XXXX . I was informed by  XXXX  Dept. motor vehicle. I could not register the car in  XXXX  without proof of permanent residence. The end date for the temporary tag issued by  XXXX  ended my wife was stopped by law enforcement. My wife called the dealership to explain we did not have a permanent address to register the car. The business office informed my wife the temporary tag would be good for as long as we did not have a permanent address just to provide our bill of sale to law enforcement to prove we owned the car and that it was insured. Bottom l ine is Santander Consumer USA INC. rescind ed the financing for the car without any prior notice to me. I did not become aware of their actions until a recovery agent called me on behalf of  XXXX  on  XXXX   XXXX ,  XXXX . I am unable to get alternate financing. The agreement I had with  Santander w as in good standing the company had accepted every payment from  XXXX   XXXX  to  XXXX   XXXX . At no time did either   XXXX   XXXX   no r Santander advise me that if I did not register this car with a motor vehicle department that they would rescind the financing. I believed that since I was making payments on time that everything was in orde r.
Product: Credit reporting, credit repair services, or other personal consumer reports

I identified items on my credit report that are the result of identity theft, as I did not authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. Tracking confirms all documents were received by Transunion on XX/XX/XXXX. So, these items should have been removed by XX/XX/XXXX. Today is XX/XX/XXXX. The remaining items must be removed immediately. 

I will be including the tracking data from the XXXX priority tracking number associated with this matter.
Product: Mortgage

Lakeview loan servicing has force placed a XXXX policy even though I already have XXXX. I've been on the phone with them three times for over a hour. I've even patched my insurance broker in on one call to have them email the insurance docs directly to them. This doesn't seem to ever get resolved. I originally had a escrow account but had to file multiple complaints to get it removed as they were paying my taxes in XXXX. So I have been paying my own taxes and insurance diligently yet this mortgage company keeps harassing me with frivolous charges due to force placed insurance policy which I already have.
Product: Prepaid card

I am unable to use my AMEX Gift card anywhere. XXXX is {$2.00} and even if I try online purchases. When I call AMEX to get assistance, they indicate that they do not provide support for this type of issue. So now Im stuck with an AMEX card Im unable to use.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Experian Credit Report and I noticed there was a fraudulent account on my credit report. Please remove this account from my credit report because it is hurting my ability to obtain new credit.