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

I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately. 

I am formally request the blocking and permanent deletion of all accounts associated with my personal information due to the recent data breach. 

Also, I never lived at the address associated with these accounts in New Jersey. 
I have lived at XXXX XXXX XXXX, XXXX NJ XXXX since I was a kid at the age of XXXX. I previously lost my wallet back in 2018. I have been told by XXXX XXXX that someone at the address, XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX NJ I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I NEVER SIGNED FOR THESE ACCOUNTS AT ALL. I PROMISE NOT ONE OF THESE ACCOUNTS CAN PROVIDE YOU WITH A VERIFIABLE SIGNATURE OR SIGNED CONTRACT AGREEING FOR THEM TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT. Thats because these accounts were not opened by me. 

According to The FCRA, You must provide verifiable documents, signatures, contracts etc in order to verify that these accounts belong to me in which they do not. 
Aside from everything stated above, all of these accounts were exposed and compromised due to XXXX XXXX XXXX XXXX. Proof is Attached. 

If These Accounts Are Not Removed From My Credit Report, My Lawyer & I Will Pursue Litigation with XXXX followed by XXXX XXXX Transunion since the FCRA States that all accounts affected by a data breach must be removed from my credit report. 

I Already lost over {$10000.00} + Spent over {$5000.00} mailing letters and receiving legal guidance on how to remove these accounts from my report. 
If I have to send XXXX more dispute, I am coming for everything I lost through litigation
Product: Checking or savings account

XXXX XXXX XXXX 
Somebody is trying to use my email address to open an account with Truist. The accounts they are opening are Truist One Checking and Truist One Money Market. 
I have the " Client Name '' they are opening it under and the application ID sent by Truist I called truist twice and they did nothing to confirm who I was or if they could look into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for fraudulent hard inquiries. They have not been deleted despite several letters in the mail saying they were deleted. 

Transunion - XXXX  XX/XX/XXXX XXXX  - XXXX  XXXX/XXXX  XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2019 I opened a checking and savings account at my local chase bank. The lady that assisted me Told me that there was a possibility I could get denied after she submitted my application. I was accepted when she submitted the application and deposited {$250.00} into my new checking account and {$50.00} into my savings account. I left the bank happy to have opened a new bank account. Today which is XX/XX/2019 I  tried logging into my bank account and was denied. I called the number offered and was told that my account was being closed due to unspecified reasons. I spoke to multiple people trying to figure out why this happened and if it could be reversed and to no avail they said it was irreversible. My problem is that I was never made aware of the possibility of still getting denied after I was approved. I would have never deposited the amount i did had I known this was a possibility. Now my money is unavailable and to me which is a major inconvenience as I have bills to pay. This was a very unprofessional way for the company to handle this situation.
Product: Debt collection

I disputed this as identity theft. Caine and Weiner have no rights to my privacy. Yet they, stated, meets FCRA requirements. They received my information without my permission. Where is the proof I signed over permission for them to access my information?
Product: Credit card or prepaid card

This XXXX XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX
Product: Credit reporting

XXXX XXXX MD, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXXThis dentist filed a delinquent report on my credit report. He my dentist and I have never used him.
Product: Mortgage

I stopped at our local Huntington Bank in XXXX OH. to get information about a construction mortgage loan. They took my information and XXXX XXXX XXXX called me. I told him we currently own property that I 've corrected the drainage, cleared the trees and installed the driveway. He stated that they could not provide a loan because that 's considered preconstruction. I have done everything to what the country Building Department has wanted. I 've pulled the permits had the inspections and everything passed. So, how can a bank supercede a county building inspector? He was more concerned about my land, that I own, than modeling a loan. How is this fair? I feel discriminated against for upgrading my property. What lending laws did I break?
Product: Credit card or prepaid card

XXXX offered to refund my shipping fee purchasing a textbook online, XXXX XXXX, if I joined their free membership and entered the tracking number upon receiving the book. Book was delivered over a week later and I went to enter the tracking number but saw I had to pay a monthly fee to qualify for refund. I did not subscribe and absorbed the fee. But there were two charges from XXXX on my Sun Trust credit card statement ( XXXX XXXX XX/XX/XXXX ) a {$2.00} on XXXX XXXX posted XXXX XXXX and {$13.00} on XXXX XXXX posted XXXX XXXX. 

I told Sun Trust credit card XXXX XXXX, when I received XXXX statement, what had happened and disputed the charges. Sun Trust FRAUD ASSISTANCE CENTER emailed me XXXX XXXX denying my dispute because I had not canceled membership within the agreed time frame per terms and conditions, and I was responsible for the transactions and any applicable fees/ finance charges. Email is attached. 

I called on XXXX XXXX at XXXX XXXX, XXXX said Sun Trust credit card had denied the dispute because the cancellation was after transaction was processed, 24 hours after charges were filed. I said the transaction was for a book that I did receive, I had disputed the unauthorized charges from XXXX, not the book seller. 

I called again on XXXX XXXX at XXXX XXXX XXXX XXXX said they denied my case # XXXX on XXXX XXXX, because I had not canceled within the agreed time frame. I said I had to wait for book to arrive, more than a week after the date of transaction, to send its tracking number to freeshipping.com, and disputed unauthorized charges of XXXX, based on misleading advertisement. What had the FRAUD ASSICTANCE CENTER investigated? XXXX said she was going to file escalation to re-investigate and investigators would contact me for detail information in 3 business days. I asked why they had not asked before, how they concluded without hearing the customers side. I was filing a complaint against Sun Trust with the FTC. 

I called again at XXXX XXXX to clarify whose time frame the investigators had based their decision on. XXXX said it was Sun Trust time frame, and time frame was 3 days before charge went through. I asked how in the world can a customer dispute a charge 3 days before it happens? Who had accesses to that part of agreement? She did not know. 

While It is hard to say who is a bigger scammer XXXX or Sun Trust? It is obvious Sun Trust relies on its legal department to take advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a credit card and they told me someone is using my social security with different bank companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I recently received a Copy of my ( XXXX, XXXX and XXXX ) Credit report, and I noticed some late payment posted on my credit report : Credit Car Account : ( Discover IT ). Card ending in XXXX Showing late on the following dates ; XXXX XXXX *XXXX  XXXX, XXXX XXXX XXXX, XXXX * XX/XX/XXXX XXXX XXXX *XXXX  XXXX, XXXX *XXXX  XXXX, XXXX. 
Credit Car account ; ( XXXX XXXX XXXX ) ending XXXX Showing late on the following dates. 
*XXXX  XXXX *XXXX XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX The companies is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

The account should have been deleted from XXXX, XXXX and TransUnion. It is still being reported
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to Transunion to resolve this isssue but they send me back a letter saying the unauthorized open sky bank account is verified. Transunion is not complying and allowing me the right to a fair credit report with only accurate and authorized information being reported. I request Transunion remove the OPEN SKY bank account asap and if they continue to report the innacurate and unauthorized account then I will sue them under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX XXXX - XXXX and XXXX ; XXXX - XXXX ; XXXX - XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX and XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; XXXX ; and XXXX ; XXXX XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to remove incorrect addresses from my account immediately. I have sent them a letter telling them that these addresses don't belong to me and they refuse to remove them.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX  Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance I test drove a vehicle XX/XX/2021. It was not the vehicle that I wanted so I decided against it. I purchased another vehicle from the same dealership but my bank financed it. The Capital One approval should have been reversed. Instead, they charged me {$790.00} for a $ XXXX vehicle and they have no explanation as to why. I never took ownership of the vehicle. The salesperson drove the vehicle back and forth to work for at least 3 weeks. I know this because when I picked up my new vehicle, he was still in it. Capital One sent my a loan contract with someone elses signature on it. I initiated a fraud report and I sent in all of the documents that they asked for. They still will not remove it because I wont send them a copy of my social security card. They dont have any proof of the validity of this debt. Ive been fighting with them for 60 days. I didnt know of the debt until recently when I was trying to purchase s home. Theyve reported it as a charge off monthly for the last 18 months.
Product: Credit reporting or other personal consumer reports

Hello, I am asking that my credit file be wiped clean of all negative and delinquent accounts due to the Equifax credit breach that has been discovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need XXXX XXXX XXXX XXXX, Certified Credit Inquiries removed off my credit report, I do not recognize these inquiries nor did I authorize them. They have been removed from XXXX and XXXX already this month but not XXXX. I would like them removed immediately. I have sent letters to these companies and my next step is to file a lawsuit if they are not removed immediately.
Product: Credit reporting or other personal consumer reports

I have did disputes with Equifax and XXXX for over 8 months on inquiries that i disputed on their respected sites, going all the way back to XX/XX/2023, they refuse to removed them, I've disputed the same items again multiple times since XXXX when i learned of them via my credit report. Their still there, I'm a XXXX XXXX XXXX XXXX XXXX XXXX, with XXXX, I'm working thru a temp agency now, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have to ride the city bus which exacerbates my injuries, I've been trying for over 8 months to get and auto loan. I've been turned down twice just recently, because when the Banks look at all the inquiries they get spooked. This is effecting my ability to get fair treatment in lending, a vehicle would give me more opportunity in the job market outside the bus areas. I've called them both and each time i wait and nothing changes. I have plenty medical issues, I'm on about XXXX XXXX XXXX XXXX XXXX, i have XXXX, i live in a cold climate, if i slip and fall this winter while on a bus stop in 30 below zero weather, someone will be to blame. I've done all the appropriate things, to build good credit, i never been late on payments on the new cards i received over the last 8 months. I've explained this to the Car agencies and the answer is till no. I think if you look into this, it's discrimination going on in this current climate more than usual, PLEASE ASSIST THE DEAD OF WINTER IS COMING THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, i am writing you about my XXXX XXXX i have had since XX/XX/XXXX. Over the past 6 years I have always paid on time and build a solid reputation with XXXX A while back i got with a late free XX/XX/XXXX. I had got XXXX to agree to remove to all credit reporting agencies so that payment history should be 100 %. I will send you a picture of XXXX which was only fixed and you will see there is no late fee but for whatever odd reason transunion has still updated. I have called a few times with mixed answers. Under fair credit reporting act this should have been taken off years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is doing fraud to my credit report and dont want to remove inquiries and accounts thats not mine
Product: Bank account or service

I have went to numerous Wells Fargo Bank XXXX locations in Minnesota trying to open up a checking account with Wells Fargo Bank, but Wells Fargo Bank refused to open a checking account for me because of a fraudulent checking account someone who stole my identity opened up with XXXX XXXX. I sent numerous letters, copies of personal identification and police reports informing Wells Fargo Bank, I am a victim of identity theft. Wells Fargo Bank cleared my name, but wo n't open up a checking account for me all because XXXX XXXX notified Wells Fargo Bank about me being a risk because someone who stole my identity opened up a fraudulent checking account with XXXX XXXX using my personal information and made fraudulent transactions with the XXXX XXXX checking account.
Product: Checking or savings account

When I split insurance from my ex-wife in XXXX of XXXX they failed to remove my vehicle and my bank account number even though they said they split our profiles. The charges stopped that fall but restarted in XXXX of XXXX. I could not figure out the duplicative charges and XXXX assured me it was fine. They would not tell me then as well as now where the payments on my banking account were going. I called Navy Federal and only now after they began to show on the bank account when asked where the charges were going that it was my ex-wife XXXX XXXX ( now XXXX ). She had been removed from the bank account in XXXX of XXXX as well and they don't view it as wire or bank fraud even though she is not an authorized user. XXXX still insists that is up to my ex-wife XXXX to call them back and removed the bank account. She has no incentive to do this and would continue to charge it if I had not found out. XXXX continues to insist that I authorized the charges however I didn't and XXXX is not an authorized user of the bank account. Navy Federal also does not consider this bank or wire fraud. Navy Federal will not reimburse me for my charges more than 60 days old and wants XXXX to cover them.
Product: Debt collection

XXXX XXXX  sold debt to XXXX XXXX who has attorney Gordan & Wong filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX   : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.