23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an email from XXXX offering a free credit score report. When I replied and thus submitted the request I unwittingly must have agreed to a continuing charge, etc. which was hidden in the usual flabberjabber but which was not clearly stated or I would not have submitted the request. I only discovered this when I found a {$39.00} charge on my Chase Freedom card. They have made cancelling the " membership '' difficult by not providing for an opportunity to cancel online and have only provided a telephone number with limited hours. According to online complaints actually canceltion is often ignored. 
I received an email from them on XXXX which I did not read telling me that I had until XXXX to cancel the membership of which I was not aware or desiring.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, AMEX added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. According to the FCRA, AMEX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Unauthorized Credit Inquiries Dear Experian, I am writing to formally dispute the accuracy of certain credit inquiries listed on my credit report. These inquiries were made without my knowledge or authorization and may constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically section 1681b ( c ), which protects consumers ' privacy and rights against unauthorized access to their credit information. 

**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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 **Request for Investigation and Removal : ** Under section 1681b ( c ) of the FCRA, only authorized parties with my consent or a permissible purpose may access my credit report. I have not authorized any of the above entities to access my credit file, and I did not provide consent for these inquiries. This represents a potential breach of my privacy rights. 

I respectfully request that Experian conduct an investigation into these inquiries. If it is determined that any of these inquiries were made without proper authorization, I demand their immediate removal from my credit report. Failure to do so would constitute a violation of the FCRA and may result in further legal action.

**Supporting Information : ** - Please provide any documentation that shows authorization or consent for these inquiries. 
- If no such authorization exists, I request the removal of these inquiries from my credit report. 

Please complete this investigation and respond within the legally mandated 30-day period as specified in the FCRA.

Thank you for your prompt attention to this matter. Please contact me at the address or phone number above should you require further information. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian on XX/XX/XXXX because they were reporting a negative XXXX account # XXXX on my credit. The account came back verified. So I reached out to XXXX and they did not validate the account according to the laws. So how was Experian able to validate the debt. XXXX sent me an account summary which is not proper validation. I submitted it to Experian on XX/XX/XXXX and requested they remove the account again. They did not.
Product: Credit card or prepaid card

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 Navy Federal XXXX. has violated my rights.15 U.S.C 1681 section 602 A. States I have rights 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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

They lied saying I claimed I didnt create an account with them and have banned me from using their services which doesnt help me. Or isnt fair to me as a consumer all I told them was I needed help creating an account because I lost access to a old account
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and XXXX credit Bureaus have not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$1900.00}
Product: Debt collection

On two separate occasions Bank of America has tried calling to collect a Credit Card Payment for an individual that is known to my mother and I but we are not listed on this individuals Credit Card for any reason and on numbers they should not have access to. The first attempt to collect was made by cell phone to my number on Tuesday, XXXX XXXX, XXXX about XXXX XXXX and I told Bank of America that I had nothing to do what this individuals credit card account and to not contact me any further. Then on Tuesday, XXXX XXXX, XXXX Bank of America called my mother asking about this individual again and my mother who is a Senior told them nothing and hung up. Bank of America then called back later that day and left a message that they were calling from XXXX XXXX XXXX for the individual and left a name and phone number for them to be reached at. I called Bank of America Thursday, XXXX XXXX, XXXX at the number they left on my mothers answering machine and told them that my mother does not have any financial responsibility or ties to this individual and should not be harassed about this individuals credit card and why are they calling her number and how did they get her number as again she has no financial ties to this individual. I gave the Bank of America phone representative my mothers number after she asked me to look up the call in question and when she did she stated that she would remove the number from this individuals account as I told her what was being done was illegal and harassment and that they would be reported for doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reachead out to Experian on several attempts to removed incorrect information on my credit report, and i have also send written letters with my correct information for them to correct the problem and no action has been taken, I was told to call the company thats reporting my information. I have have also reached out to the company and they don't have any exsisting accounts for me. So I'm confuse as to why they are reporting incorrect accounts and addresses, also my name.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and fraud as well as mail theft and fraud I have had {$4.00} stolen from my bank I will come back with everything else on a different report it seems we are to enter separate reports?

I have unauthorized credit cards that have been opened in my name and used fraudulently without my knowledge and are now deported on my credit reports Im asking to have every single one
removed please. I want my identity BACK Im having a very hard time fighting with cybercrime and need major assistance with cybersecurity. I have recovered all resources to gain records of all information included as follows. I have filed a police report and have my claim started with my insurance adjuster at XXXX XXXX  report # XXXX XXXX  has my debit now the XXXX I spoke to a XXXX she had stated to just fax anything to her at XXXX she would wipe clean and off my credit report all of these fraudulent charges I dont have the dates unfortunately and neither did she I dont have account numbers for the others as well This is still being reported can we please get this resolved and off my credit ASAP Innovis XXXX XXXX XXXX {$470.00} acct XXXX Spoke with XXXX she said she would add fraud and needs confirmation that this was turned in as fraudulent activity and reported with you and need this confirmed and something sent out to Innovis and will remove from my credit report she did add a 7 year fraud Alert XXXX XXXX XXXX XXXX XXXX, GA XXXX THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$470.00} This is listed twice on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}
Product: Credit reporting or other personal consumer reports

Formal Demand to Correct Inaccurate Resident Score and Cease Reporting Harmful Data Dear TransUnion Rental Screening Solutions ( TURSS ), I am contacting you to formally dispute the accuracy of my reported resident score of XXXX, as indicated in a letter I received from XXXX on XX/XX/year> ( Application Reference Number : XXXX ). This score is entirely inaccurate and does not reflect my rental history, financial responsibility, or creditworthiness. 

Furthermore, I do not authorize or consent to TransUnion Rental Screening Solutions reporting negative or inaccurate information on my credit or rental screening reports. Your continued reporting of false or harmful information violates my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me significant and ongoing harm. 

My Demands : 1. Immediately correct my resident score to no less than XXXX within 24 hours, as the current reported score of XXXX is demonstrably inaccurate.

2. Cease reporting any negative or inaccurate information about me in connection with my rental history or creditworthiness.

3. Provide a full explanation of how the initial score was calculated, including all contributing factors.

4. Confirm the updated resident score and notify all entities that previously received the incorrect score of the correction. 

Legal Framework Supporting My Request : 1. FCRA 611 ( 15 U.S.C. 1681i ) : Requires you to investigate disputed information and correct inaccuracies.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits data furnishers from reporting information they know or should know to be inaccurate.

3. FCRA 604 ( 15 U.S.C. 1681b ) : Limits the use of inaccurate or outdated information in consumer reports.

Your actions to date suggest a disregard for my consumer rights under federal law. I demand that you comply immediately to prevent further escalation of this matter.

Urgency of Request : This inaccurate score is causing material harm to my ability to secure housing. If you fail to correct my resident score and cease reporting harmful data within 24 hours, I will file complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also pursue all available legal remedies to protect my rights.

Please confirm in writing the corrective actions you have taken no later than 24 hours from the receipt of this email. If you require additional information to resolve this dispute, you may contact me directly.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had an unauthorized charge on Friday, XX/XX/2021 for {$300.00}. On XX/XX/2021 I realized that my debit card was missing, and I had not been aware of the charge until that day. I called Chase bank on Saturday, XX/XX/2021 at XXXX on a 15 minute call notifying them about the fraudulent charge on my account. I received an email notice/letter from Chase Bank on XX/XX/2021 stating that it my provisional credit will be removed because it was an authorized charge when in fact it was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX XXXX XXXX these account are fraud, having my false identity. They gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX IN XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent the attached letter to me in response to my advocates reaching out to Experian on my behalf. 
I wrote to my State Senator and to the US Secretary of Veteran 's Affairs for help. When they reached out to Experian, the company refused to allow them to advocate on my behalf. 

Experian dismissed my advocates work on my behalf in what is a clear violation of the Fair Credit Reporting Act. Furthermore, Experian claims my request for advocacy is " alleged '' and they seem to be acting in a vindictive manner toward me as a result of my dispute of their false claim that I have an " insufficient credit history, ' when I have an extensive, positive credit history dating back over XXXX  years. Experian should not act in such a childish manner and I have reinforced my position with Senator XXXX and Secretary XXXX on this point. 

Please ensure that Experian is revealed to be the out of control organization that they are, having made the decision to punatively sanction me ; A person who served his Country twice with honor - once as XXXX XXXX military and again in XXXX  XXXX XXXX, but who isn't even allowed to open a checking account at XXXX XXXX XXXX XXXX now because of Experian 's vindictive actions against me.
Product: Checking or savings account

I knew it was a federal holiday this last XXXX of XXXX and i desposited my check into my bank account that evening when i got out of work, the atm told me my check would not be processed until the next business day. Upon checking my account the following day the check was still pending against the word of my financial institution and i have reached my wits end trying to go through with them to handle my finances. I have worked excessive hours these last few weeks, while trying to keep a sleep schedule for my job so i dont make mistakes i have found it difficult to operate eith this institution during their regular business hours and i find myself without money because of the withholding of my checks inside their atm. I put in approx. XXXX into my account, recieved XXXX from it, which went towards my automatic car payment, and now can not get the rest of the money i earned from my blood sweat and tears so that the bank i utilize can hold it and do whatever they can with those holdings themselves. I will be filing this complaint before removing myself from this institution to take my money and keep it in my matress, because at least then i will have access to the payment ive been given for the work i have done. I will not be associated with so called entities that have more lobbying power with my legislators than i myself do. I hope every person who cherishes these scam set ups called banks dies in a massive firestorm, and rots in XXXX for all of eternity.
Product: Bank account or service

On Thursday XXXX XXXX, 2015 I went to SunTrust Bank, the branch located at XXXX XXXX XXXX in XXXX, Florida. I opened a new account. Included in my itnitial deposit was a check in the amount of {$10000.00} and cash in the amount of {$2000.00}. The cash amount was broken and deposit was made into checking {$1900.00} and savings {$100.00}. I left the bank and returned the next day on XXXX/XXXX/2015 to withdraw {$1400.00} to pay some bills. I was told at this time my money had been frozen and I could not have access to my cash funds. The bank representative XXXX XXXX told me the check looked funny and they suspected to have an issue with the check. It would take 5 to 15 days for the bank to review my account. The cash money the bank held and is still holding todays date XXXX/XXXX/2015 was my monthly income to pay my bills with and to purchase gas for my car and groceries. I tried to call SunTrust Bank on Monday XXXX/XXXX/2015 to find out the status of my money. I could not get through to the bank calling the number I had been provided. I called the local phone company operator to help me with getting me through to the number. i was informed that both my home phone number and my cell number had been blocked at the account holders request. SunTrust bank allowed an employee to block my calls when they were holding my funds and would not give me access to my cash deposit. I am enclosing the notice of hold dated XXXX/XXXX/2015 that gives the reason the hold was placed on my deposit. Code XXXX states deposit exceeds clients average balance. This is a fabrication as I did not have an average balance, this was a new account. Also the notice advises my funds will be available on XXXX/XXXX/2015. This letter is dated XXXX/XXXX/2015. I did not receive this letter until XXXX/XXXX/2015 almost a week later. The next correspondence dated XXXX/XXXX/2015 received on XXXX/XXXX/2015 states my funds will be returned to me within 5 business days. 5 business days would be XXXX/XXXX/2015. As of todays date XXXX/XXXX/2015, 10 days later, still no funds. My health insurance is being terminated, my electric is due to be cut off. i have no food in the house. 

Yesterdays date XXXX/XXXX/2015 I again tried to reach SunTrust bank regarding the status of my funds. For a period of XXXX and XXXX half hours i was transferred to XXXX different people. None of the XXXX people could tell me when I would be getting my money. I want my money or a good reason my cash funds are being held and reviewed. 
I would appreciate help in gaining my money back from this bank. Do I have any recourse to recover for any damage caused by this unreasonable delay in allowing me to have my money. Also is SunTrust responsible to pay me interest on these withheld funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, Transunion and XXXX   report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both Transunion and XXXX have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. XXXX XXXX