23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Three credit inquiries from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are erroneously reported on my credit report. I have no recollection of applying for credit with these institutions. These inquiries are negatively impacting my credit score, hindering my ability to secure loans and potentially causing financial harm. I request an investigation into these inquiries and production of any credit applications bearing my signature for these reported inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  have constantly used their position of being consumer reporting agencies. The misuse and inaccurate reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the XXXX seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. 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 XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items 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 is 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 XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX  Balance Owed XXXX {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} 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 According to FCRA XXXX XXXX ( 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX XXXXXXXX account number XXXX XXXX XXXXXXXX account number 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 XXXXXXXX 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: Checking or savings account

A cashiers check was issued by XXXX XXXX XXXX  for {$440000.00} on XXXX and deposited into XXXX XXXX XXXX  Truist Bank account number XXXX. No hold was placed on the account at that time. Bills were paid, payroll processed, wires sent to pay for materials. 

On XXXX I received an email indicating a hold was placed on the account to which I called Truist. They put the account on a 7 day hold. I waited until XXXX for the 7 day review. The hold was released and I was able to use the account for 24 hours before another hold was placed on our account. I called Truist and they said that the account was under review and no other information was available. I was in XXXX at the time for work and a local Truist branch was not available but I called back to XXXX XXXX, Branch Leader, in the XXXX branch ( where the cashiers check was deposited ) who indicated there was nothing she could do as it was XXXX  XXXX XXXX who put the hold on the account. 

I traveled to a XXXX  XXXX XXXX Branch in XXXX and spoke with XXXX XXXX. XXXX. He gave me a copy of the cashiers check that was processed and paid to Truist on the XXXX. 
He called Truist and spoke with the back end services personnel indicating the funds are definitely transferred. The back end said they would make a note in the system and then call back the next day as it was past XXXX East Coast time. I never received a call back. 

On XXXX XXXX I traveled to Truist Bank at XXXX XXXX XXXX XXXX XXXX, PA XXXX and spoke with Branch Leader XXXX XXXX. She contacted an ops manager as well as the Truist Back end services contact who stated the account is under review and XXXX will receive a letter in the mail. She gave me a number of XXXX to call to speak with the Fraud Line. I have called 4 times in the last two days trying to find out what is going on and no one has any answers. 

To date we have incurred {$10000.00} a day fines for non performance since last Wednesday. Payroll is suspended and is effecting all the employees including myself. Electric Bill, Cable Bill, Insurance, State Department renewals/licensing are all returned and we are subject to fees.
Product: Student loan

On XXXX XXXX, after receiving numerous harassing calls from Navient, I visited their website, Navient.com to check on a recent payment in the amount of {$140.00}. This payment was in response to I noticed that there was no payment in the amount of {$140.00} instead there was a payment in the amount of {$270.00}. I immediately called them and spoke with their representative, XXXX. She transferred me to XXXX. Her response was as follows : " The {$140.00} was split between account ending in XXXX ; {$130.00} and account ending in XXXX ; {$4.00}. The balance of the {$270.00} was to help keep your account out of default. {$45.00} and XXXX " I informed her that this was clearly fraud. Navient was falsely documenting the files. XXXX ( Navient 's representative ) continued to inform me that account ending in XXXX was a " charge off ''. Surprised at her statement, I clearly gave her the definition of " charge off '' and questioned : ( 1 ) why I had not been notified, ( 2 ) how is Navient still having this on the books as collectable and why have my payments been largely credited to a " charged off '' account. I then requested a supervisor. I was transferred to XXXX. 
XXXX responded to my inquiry into Navient 's irregular accounting practices. He justified it by initially stating that he did not see what I was seeing. When I went further about the defined columns on the Navient 's site, he disputed what I was in fact seeing. He stated that the {$270.00} was not a line item recorded as " received ''. Please see attachment. I informed him of XXXX 's clarification of the item and again, repeated that Navient had done irregular accounting practices. XXXX insisted on blaming the problem on XXXX XXXX, their local office. Upon questioning him on the " charge off '', XXXX had another tale. 
Navient is practicing irregular accounting practices on top of continuous harassment.
Product: Checking or savings account

On XX/XX/2022 I tried to purchase a dog through a reputable dog rescue shelter out of Ohio. Pictures were posted on their website and I messaged them telling them I applied for the dog. At this point I have never adopted a dog so I'm not aware of how it works. I did what they asked for application and then they asked for payment. I went through my XXXX app on my phone which is connected to Zelle as that is the form of payment they were asking for. I set Zelle up for this transaction because I have never used Zelle before. I sent over the {$300.00} they were asking for and never heard from them after that. When I reached out to the animal shelter on XXXX the same day they never responded to me until they got their account back from being hacked. 

I filed a police report and a dispute with XXXX on XX/XX/XXXX. XXXX stated that I would receive the {$300.00} within 10 business days because it was fraudulent activity and that they had 45 days to dispute it with Zelle. I never received my money to only receive a denial letter in the mail that XXXX denied my claim and I had to go through Zelle to file a dispute. 

I have been unable to get ahold of Zelle since then, until today after going to XXXX yesterday ( XXXX ) and them escalating my request. For that employee to tell me today that they will not refund my money because it was a SCAM and not FRAUD. Stating that all they can do is educate the customers on how to use Zelle so this doesn't happen again. XXXX will also not pay me back due to their policy with Zelle. 

I did not receive anything for the {$300.00} that I paid out and I'm not understanding how any of this is my fault and how I am suppose to know that the XXXX page would get hacked. XXXX is partnered with Zelle and they are doing nothing to help out their customers.
Product: Credit card or prepaid card

Recently on XX/XX/XXXX because of a phone call received from Citi credit card company I became aware that a credit card had been issued in my name to a person living in XXXX XXXX Ga who had the same first and last name. The total balance owed being {$9000.00}. A payment Citi received was less than the monthly {$850.00} owed. 
I have never lived in Ga.. I have lived in Florida since XX/XX/XXXX. I have never had a Citi credit card. Yet the individual had obtained all my personal information according to the Citi rep. 
Citi called Florida on our landline phone number and we spoke regarding the bill. Apparently contacting the person who was issued the card and had made the payment did not occur to Citi. 
Therefore it is difficult to believe Citi can or is willing to do the right thing. 
To be told a credit card with my name has an unpaid balance of over {$9000.00} is frightening.
Product: Debt collection

I have taken XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX on XXXX XXXX they checked my insurance and ask my out of pocket that was full amount of that service, as I was having deductible plan and that was not meet till that time so at the time of service on XX/XX/XXXX, I paid full amount of XXXX $ that was full fee of XXXX XXXX 

all of sudden I received one mail from RSI Enterprise to collect my debt of XXXX XXXX first I called XXXX XXXX XXXX XXXX to confirm if there is any outstanding as I paid full in advance, they confirmed there is no outstanding and same they confirmermed over the email. 
then I contacted to Debt Collector company via phone and explained the same, that time they assured me that they are going to work and close the same. 
second time also I got one, mail from them and did the same. 
that time XXXX XXXX XXXX XXXX also confirmed that they will make sure to send required docs to Debt collector agency so that I wont get any such collection mails in future. 

now third time again I got the same letter from RSI Enterprise for the same amount.

That executive was not ready to listen to me and blaming me that I am having this debt to pay. again and again I was explaining to her that I already talked to XXXX XXXX XXXX XXXX and there is no due, even if there was a outstanding balance the should reach out to me rather a debt collection company directly but that executive was not ready to listen me. 
then I took XXXX XXXX XXXX XXXX and RSI over the conference bridge and XXXX XXXX XXXX XXXX billing department explained that there is no due on XXXX XXXX, and she will send this to his manager so that we can send close letter to RSI I am really very frustrated and disappointed due to such irresponsible behaviour of this DEBT collection company and want to take some action against them, Please refer attached email that have attached receipt and confirmation of no dues from XXXX XXXX XXXX XXXX that I send to RSI on XX/XX/XXXX ( Second time )
Product: Credit reporting or other personal consumer reports

Dear HWARFIELD, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report. This violation contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina state laws governing credit reporting and identity theft.

It has come to my attention that HWARFIELD has reported information to my credit report without my explicit consent. Federal law, as outlined in the FCRA, requires that any credit reporting activities must be conducted with the consumers explicit permission as per Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law mandates similar protections. South Carolina Code Section 37-20-80 requires consent from the consumer for credit reporting. Moreover, South Carolina Code Section 16-13-510 addresses identity theft, emphasizing the severity of unauthorized access and misuse of personal information.

I assert unequivocally that I have not provided consent for HWARFIELD to report any information to my credit report. This lack of authorization constitutes a violation of my rights and has the potential to damage my creditworthiness, disregarding both federal and South Carolina state laws.

I demand that HWARFIELD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and South Carolina state laws including Sections 37-20-80 and 16-13-510. Failure to address this issue within the next 30 days will be considered willful noncompliance and could result in legal action and penalties under applicable laws.

Please understand that obtaining consent is not optional but a legal requirement under the FCRA and South Carolina state regulations. This is a formal demand for compliance to ensure that my consumer rights are protected. 

I expect your prompt attention to this matter and anticipate a swift resolution to rectify these violations.
Product: Credit card or prepaid card

Comenity bank bought out my XXXX from XXXX. I had accumulated approx. XXXX in rewards, comenity took over and now my rewards value has dropped to XXXX they say they are working on the problem. I have sent 2 bill pmts.and have had to stop pmt on both of them, one of the pmts had been in limbo for 16 days ( they said the mail is slow ) the first one they started finance charges. I have sat on hold for hours trying to get answers trying to straighten things out to no avail. I have sent a secure message to them and no answer. I am not a financial guru but I feel they bit off way more than they can handle. Thank you for looking in to this for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ) XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- - EXPERIAN 1 ) XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

4 ) Inquiry from XXXXXXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

5 ) Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

6 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

7 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

8 ) Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

9 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- -- - XXXX 1 ) XXXXXXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 a hard inquiry appeared on my Experian credit report in the name of XXXX. I called Experian. They bounced me from agent to agent and then finally told me to call the phone number associated with XXXX  showing on my credit report. I called the number and the system demanded my account number or social security number just to speak with someone. There was no option to report fraud or any option to speak with a human w/o entering my social security number. I finally got through to an agent who simply told me I had no account and that I needed to contact Experian to have the hard inquiry removed. Below is the contact information that appeared on my credit report. 
Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX {$2700.00} XXXX {$710.00} inquiries XXXX These lenders have accessed your credit file : XXXX XXXXXXXX XXXX  XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date These are NOT my accounts I've uploaded police and ftc and nothing has been done these accounts are reporting on all three bureaus. Also Equifax refuses to remove fraudulent inquires that has been reported as well.
Product: Debt collection

My name is XXXX XXXX and I suffered identity theft with my XXXX XXXX card which has been canceled and the debt belongs to the company Rausch Sturm and they are trying to charge me {XXXX  and it is not in XXXX XXXX court. I need help and I have already sent a report of identity theft.