23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

List of 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 XXXX XXXXXXXX 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

I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. 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 XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX
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 u Der 15 USC 1681. XXXXXXXX XXXX  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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I started receiving 100 % VA disability in XX/XX/XXXX. A few months ago I got some letters from my student loan lenders saying that my debt has been forgiven/canceled. This XX/XX/XXXX I filed a dispute on Experian to remove the debt from my credit report. 15 days later the debt was updated to show the full balance on all 3 agencies and made my scored go down 7-10 points. It isn't going away automatically like the forgiveness letter stated and trying to report the forgiveness seemed to make things worse. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX noticed an inquiry from XXXX I did not authorized this credit pull on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding balance on my XXXX XXXX XXXX card witch I did not authorize. i lost my card when I was moving into my new house. I want this outstanding balance resolved. I did not authorize anyone to use my card.
Product: Checking or savings account

On XX/XX/XXXXmy bank account was frozen. I contacted BB & T ( my bank ) they stated there was a judgement against me. When they provided the name it clearly didn't belong to me. 

I was directed to the attorney for judgement/order - XXXX XXXX who requested proof that the account didn't belong to their debtor. I requested the bank to furnish letter, account owner information and signature cards multiple times. I was told by the bank that they couldn't locate that info at the moment. After 8 days of requesting more info the bank finally furnished the restraining notice along with their Q & A from subpoena onXX/XX/XXXXwhich irrefutably verified and documented I was NOT the debtor and the debtor had nothing to do with my bank account. My account was levied that day after 8 days of being on hold for {$1800.00} which was all the funds I had in my account. 

This debt does not belong to me and my account is not associated with this defendant in question. All of my funds have been taken. 

BB & T was legally responsible to verify that the bank account levied was titled in the debtor 's name and that ownership matched the judgement. Title did not match, ownership did not match, and in fact the Q & A documentation that BB & T sent back to the attorney verified that the debtor in question is not associated with the bank account that was levied and that the account was not titled in the debtor 's name. None the less, BB & T still allowed the levy to proceed in spite of the facts which is highly suspect and raises reasonable doubt of BB & T 's practices. 

The bank account number the attorney added does not belong to the debtor ; BB & T must now be held responsible for my losses. The attorney added my bank account number and BB & T knowingly allowed the levy even though that bank account was not titled in the debtor 's name and did not belong to the debtor. 

I would appreciate your support holding the bank you are suppose to be governing responsible for irresponsible and fraudulent misconduct. 

This is completely unjust and unethical.
Product: Credit reporting or other personal consumer reports

I filled out an auto loan application, and they ran my credit without proper authorization, meaning it was only supposed to be ran once. They ran it multiple times XXXX and XXXX XXXX on my Experian Credit Report. I called Experian but they trying to sell me a package to some unauthorized inquiries. Totally ridiculous on their part.
Product: Checking or savings account

On XX/XX/2020, I discovered that my online bill pay scheduled recurring payments were showing up as 'cancelled ' 7 days after showing as 'completed '. 
I requested assistance with this issue from SunTrust several times, and to this date I have not only NOT received any help, but I have discovered several more problems with my account, caused by XXXX, difficult, and nasty CSR 's.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Please see attached file with all the documentation and explanations. 
I am sure both Lowes and Synchrony will know who I am so my name and address info is included in the attached file. 

All these transactions were apparently conducted at the XXXX Lowes store without my presence or credit card. What Lowes employee created and processed these transactions using my Lowes credit card without my authorization, knowledge, approval, my actual credit card or my presence? 

The {$200.00} additional charge for stucco work was fraud because my house does not have stucco. 

The {$100.00} credit is reimbursement for the caulking that I had to do because the installer lied and said it was extra even though it was included in my total cost of {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and XXXX XXXX is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with XXXX XXXX and all I would like for the account to be removed.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts, inquiries, incorrect addresses, and inaccurate names appearing on my credit report Reported without valid evidence Americredit Financial XXXX  Please remove inaccurate information from my credit report I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C. 1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice. Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. I am sending this letter as the sender, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. Thank you for your prompt attention to this matter. I anticipate a swift resolution. Sincerely, XXXX XXXX.
Product: Credit card

There was a fee on my Amazon store account through Synchronicity Bank that should not have been there. They are promoting a 6 month interest free payment plan, however I purchased something outside of that promotion, and then made a payment, they did not apply the credit to the non-promotional balance, thus fees started to incur. I contacted them and I assume the funds have been properly reallocated so I will no longer incur fees while the promotional balance is paid off. However, I believe they are in violation of the law by not applying payments to higher interest purchases first. I just want to make this aware to CFPB so they can remedy any illegal actions by this bank and protect other consumers that might not be aware. Thank you.
Product: Debt collection

This collection company is ruining my life and I can not take it anymore. It has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately or I will come for them legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer of the United States, I sent Experian a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 5 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX CU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. STOP using stall tactics. You have my permission and have been had my permission to look into these accounts which i what I instructed you to do in my formal complaint. YOU KEEP CHOOSING TO BREAK THE LAW. Ive sent multiple letter regarding me and me only which is XXXX XXXX. Your time is up by law and you have to delete these fraudulent negative items from my report that you should of been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling XXXX countless times as well as the credit card companies themselves and they just don't seem to get it.

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized.

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On Transunion It Is Saying I applied for XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On XXXX It Is Saying I applied For XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$330.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$15000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I agreed to settle my account for {$600.00}. Before paying I requested a letter be mailed laying out the terms of the settlement agreement. I was denied and given no reason as to why the letter couldn't be mailed. Instead, I was sent a XXXX link to pay which I found odd and sent a generic email stating their " terms ''. I was told once paid I could see the closed status on the website which I'm locked out of.This has been going on for several months. After getting nowhere with any of the agents, I asked that all texts/emails/phone calls stop and that I only be contacted by mail. They've continued. I have screenshots of our most recent conversations.
Product: Debt collection

the covid pandemic caused me to need to sell my vehicle to rearrange my finances. mbfs has been paid in full and still months later shows a locator lien with the contact info for XXXX XXXX preventing me from selling my vehicle. I needed to handle some things and there actions is causing me extra financial stress. they have also incorrectly reported information to the credit bureaus which needs to be fixed along with all notes removed from all credit bureaus. mbfs was paid off early yet seek to place derogatory notes on my credit profile along with having a lien locator on my vehicle after being paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS FREELY, AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACCOUNT WAS PROPERLY INVESTIGATED, BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INCORRECT, THE LAST ACTIVE DATE IS INCORRECT, AND THE LAST REPORTED DATE IS INCORRECT? THEY ALSO VIOLATED MY RIGHTS UNDER THIS GROUND FOR REMOVAL. 

I HAVE THE RIGHT TO PRIVACY, according to 15 U.S.C. 1681 SECTION 602 A.

IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS IN 15 U.S.C. 1681 SECTION 604 SECTION 2. 

PLEASE REFER TO THE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax and XXXX XXXX data breach caused my credit to have th XXXX  account ftc that was removed and put back on fcra violation
Product: Checking or savings account

The below complaint was submitted prior, a rep by the name of XXXX XXXX with Wells Fargo replied stating the ODCR EO, ( Overdraft Deposit Collections Recovery Executive Office ), has made several efforts to resolve my concerns and exhausted all resources.. I will again assure the CFPB this reply is first off, a form reply. Second, it is a lie as there were no such efforts and or attempts to resolve concerns/issues brought forth. Wells Fargo has tried and failed to use this general form reply numerous times in the past and has worn it out ... If there were such attempts they would be detailed and would include calls, emails, or other attempts reaching out which there aren't any. Please see complaint below.. 
Numerous CFPB complaints have been submitted prior against Wells Fargo in regard to unauthorized checking and savings accounts opened in my name by Wells Fargo reps in the past, as late as 2104.. Wells Fargo reps reply to CFPB stating in part ... " Numerous attempts at resolution made, exhausted all efforts '', which I can assure the CFPB and any other third party is a lie.. A XXXX XXXX replied to last complaint,  this is the fifth rep to use such bogus reply as detailed earlier ... If anyone at Wells Fargo has made any such resolution attempts, they would be detailed and would include reaching out by Phone, email, mail..etc ... There were no such attempts, this is a general form reply Wells Fargo reps use and is blatantly obvious.. Complaints were filed in regard to fees charged to unauthrorized accounts, specifically overdraft fees. Wells Fargo has replied in part by sending me mediation request forms, a total of five of these such forms have been filled out, mailed in. XXXX XXXX with mediation at Wells Fargo contacted in me XXXX, offered a settlement amount of {$3700.00} which was accepted.. A check was sent in that amount including estimated income tax to IRS, a total of {$5100.00}, which was intercepted by another party and cashed in my name. I've been working with a XXXX XXXX, a supervisor with mediation, he is looking into fraud check and he was provided info as of XX/XX/XXXXwhich was provided by myself from an XXXX in fraud investigation ... I was told by XXXX the funds from check were returned on XXXX I believe to the account issued from with Wells Fargo.. I relayed this info to XXXX on XX/XX/, do not have any confirmation check is or will be reissued as of yet..