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

On XX/XX/year>, there was a hard inquiry conducted by XXXX XXXX XXXX XXXX in Maine which I did not authorize for the purpose it was used for. 
I have reached out to XXXX XXXX XXXX XXXX multiple times regarding this matter, requesting the removal of this unauthorized inquiry or proof that I authorized them to pull my credit for the purpose they used for. Despite my efforts, they have refused to remove the inquiry and have not provided any documentation that shows I authorized this specific credit pull.
Product: Credit reporting or other personal consumer reports

TO WHOM IT XXXX CONCERN, THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. PLEASE DELETE IMMEDIATELY. 

WHEN THE REQUESTED ABOVE DELETIONS ARE MADE, PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT : XXXX XXXX XXXX
Product: Debt collection

I have a loan with XXXX. I hired XXXX XXXX XXXX XXXX to consolidate my payday loan debt and I pay them no weekly to do so. XXXX XXXX, XXXX XXXX has been calling my cell and work stating that he is representing XXXX to collect the debt. XXXX contacted XXXX and they still have the account and are settling for a lesser amount. The amount XXXX is asking for does n't match what XXXX   states the balance is either. The man has called my work 6 times in 2 days.
Product: Credit reporting

I am unsure if this is the right department to be contacting, but after applying for a job, I received a copy of a background report from Transunion stating that I have a felony on my record. XXXX. This is not me!! The report stated that I have a right to dispute inaccurate information and offered a generic link to consumerfinance.gov. So, here I am. Please help!! Thank you.
Product: Credit reporting or other personal consumer reports

Experian has several credit inquiries that should not be on my credit report : - XXXX XXXX from XX/XX/XXXX XXXX over XXXX years old. 

- XXXX XXXX from XX/XX/XXXX This inquiry was obtained without authorization. I have requested clarification from both XXXX XXXX and Experian, and neither has been able to provide any written or signed authorization. 

- XXXX XXXX XXXX XXXX from XX/XX/XXXX This inquiry was obtained without authorization. I have requested clarification from both XXXX XXXX and Experian, and neither has been able to provide any written or signed authorization.
Product: Checking or savings account

In XX/XX/2022, Ally Bank offered customers a 1 % cash bonus on new funds transferred to Ally Bank by XXXX. On XX/XX/2022 I received an email from Ally confirming I had successfully enrolled in the promotion. I transferred {$33000.00} in new money to my Ally savings account before XXXX, and maintained the money in the account through the required time period ( XXXX. ) The bonus was supposed to have been paid by XXXX. To date I have not received the {$330.00} bonus I qualified for, despite having called about it several times. I have been told that the bonuses were not credited as was promised to customers, and that there are so many customers with missing bonus payments that they do not know how long it will take to credit customers the monies they are owed. One Ally rep I spoke with confirmed that I met the criteria and should have received a {$330.00} cash bonus.
Product: Payday loan, title loan, or personal loan

I have gotten a loan with high interest rates, but they had told me I could pay it off in a week or month if i wanted, but they are refusing to take my calls, and their online website doesn't actually let you log in to an account to pay anything off. They won't give me information on my loan and by not responding to my attempts to pay off the loan to avoid interest rates, I'm being locked into a 777 % interest rate for a year and I can not financially afford this. I have been attempting to reach out to them to pay this off but they are using deceptive tactics to avoid this. The last phone call I had with them, I had asked them if I can pay off the loan, they replied to that with " sorry I can't hear you, and if I don't get a response, I am permitted to hang up '' and then my number seemed to have been blocked after that call.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX : - XXXX  Employer XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I was falsely reported as having an open debt by a medical provider. The medical provider stated I was reported to the debt collector Glass Mountain capital in error and i was provided a receipt which shows proof of payment. For nearly two years Glass Mountain capital has attempted to collect this debt despite being provided proof of payment by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There Are XXXX XXXX Reporting To My Credit Report. I Did Not Authorize For Any Third Parties To Have My Personal Information Nor Did I Sign A Consent Form. Thats A HIPAA Violation. I Also Have Been Called And Harassed About Paying Other Collections And Pursuant To 15 U.S.C. 1692c ( a ) ( 1 ) And 15 U.S. Code 1692b ( 3 ), Thats A Violation. Because Of These Fraudulent Collections, I Haven't Been Able To Get Approved For Anything. This Is XXXX Me. Im Not Able To Take Care Of My Family How I Want To Due To This Situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX XXXX XXXX XXXX Account number : XXXX... 
Date of charge-off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies must ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Bank account or service

I tried to open an account, but apparently the staff there are the " do n't care '' attitude kings. After nearly 4 weeks, I still ca n't get an account. Do n't expect them to return a call or offer any help. They are rude and XXXX.
Product: Credit card

On today 's date I receive a letter from the creditor informing that the account is past due on {$1000.00}. Attached the letter to the complaint. I procced to contact the creditor by phone and the representative suggest contacting Recovery Department at XXXX ( XXXX ) XXXX. Then, the representative was not able to find any account associated with my social security number. Additionally, this account payment history has been reported inaccurately, XXXXXXXX XXXX XXXX XXXX data until XXXXXX/XX/XXXX XXXX : No Data until XX/XX/XXXXXXXX XXXXXXXX : XXXX. Moreover, accounts numbers from the credit reports are different from the one provided on the bank letter. The account shows no balance and paid as agreed status. This account was closed on XXXX XXXXXX/XX/XXXX, with no late payment. This information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX/XXXX/XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a complaint with the CFPB against XXXX, XXXX and XXXX, due to fraudulent accounts listed on my consumer report. I was notified that the accounts in question were verified as accurate by the alleged creditor, however nothing I requested disputing these alleged accounts was returned to me. I requested that validation and proof of claim of the disputed debt was requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) 15 USC 1601 et seq. I specifically stated that this is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I have yet to receive such request and the information has not been blocked from my report and is still fraudulently reporting, damaging my reputation greatly. Amid submitting this complaint, I also submitted a copy of my FTC report as well. Delete these fraudulent accounts.
Product: Debt collection

i am constantly and have been constantly disputing this account with this company for inaccurate reporting because they debt their reporting does n't belong to me. i am getting frustrated and i need this to stop. i will not pay for an account that is being reported inaccurately, that 's a scam and i 'm so tired of this company and their aggressiveness about getting me to pay for something that i have no attachments too. i 'm about ready to file a law suit, their reporting inaccurately and bullying people.
Product: Credit card

As a XXXX AMEX customer, I was to be transferred to the XXXX XXXX Visa Card by AMEX. I was informed to sign up for a new AMEX card as my existing one would be transferred. They did a credit check and I was approved. However before the transition, AMEX changed my AMEX XXXX to a XXXX XXXX XXXX and never transferred by account. I now have XXXX AMEX Blue Cash cards ( XXXX with my old AMEX number and the new XXXX they signed me up for ). XXXX tells me that AMEX never transferred the account and AMEX customer service has confirmed this. 

I need AMEX to transfer XXXX of those XXXX AMEX cards over to XXXX AS THEY WERE SUPPOSED TO. I do NOT want to apply for the XXXX card as it is a XXXX credit check when XXXX credit checks were promised in a smooth transition. 

AMEX staff say they are aware of the problem but I do not have a resolution. AMEX is guilty of the following : - Convincing me to sign up for a new Blue Cash Card on the basis my existing XXXX AMEX card was to be transferred to XXXX - Doing a needless credit check for a credit card I did not need ( the XXXX AMEX ) - Converting my AMEX XXXX into a AMEX Blue Cash prior to the transition WITHOUT MY KNOWLEDGE OR APPROVAL - Failing to transfer my XXXX credit card account over to XXXX. 
- Failing to communicate with me with a resolution after I have filed a complaint with them ( # XXXX ). 

What I want is simple : - AMEX to contact XXXX and transfer my credit account to a XXXX XXXX Card WITHOUT ANOTHER CREDIT CHECK or a re-application. 
- An explanation as to why my complaint to AMEX was not addressed and I was forced to file this one at CFPB. 

I have contacted : - XXXX XXXX ( MGR Membership Consulting Services ) -Shyra XXXX ( Customer Service ) - XXXX ID # XXXX ( Customer Services )
Product: Checking or savings account

I opened a XXXX Banking checking account on XX/XX/XXXX without issue. I was validated and verified with paperwork from my attorney in XXXX XXXX, XXXX. I deposited {$500.00} and began useing Mobile and Online banking without issue. Between waiting for my Debit Card to be received by mail, I deposited {$6500.00} using a Cashier 's check issued by XXXX XXXX XXXX check number XXXX and to the name XXXX XXXX, the same name for the new account with Truist. 
I received my new Debit Card the week of XX/XX/XXXX and upon attempting to Activate the card and use my account, I was informed the account was Blocked by the Fraud Division. I was not told why the new account was blocked, nor for how long. I was only told an Analysis did so, and there is a case opened. I made it very clear on this initial call, that there has only been two deposits since this account was opened for one week : One deposit {$500.00} from my personal checking account to fund the account initially, and the second, a cashier 's check issued by a creditable financial institution ( XXXX XXXX XXXX  ) so I can begin using it ( making XXXX  purchases ). Additionally, NO transactions have even occurred on this account as of this writing. I have made no purchases or used it yet. I asked for this to be escalated at that time. 
I called again XX/XX/XXXX and spoke to this same department and again provided NO reasonable explanation or causality to why my new business account has been blocked. Words like " new account '' and " large deposit '' were used between many calls I've made, as if guesswork to the persons attempting to help to why this account is blocked. 
If a block has been applied because it's a new account, this institution never informed prior to opening, nor contacted me at any point to inform me of such, and on its face is penalizing to new customers and against your claim that opening a business account will provide a lasting relationship ( poster in branch ). 
If the block has been applied because there was a large deposit, then 1 ) You already applied a " Funds Availability Delay '' of {$940.00} for these funds, which I am perfectly fine with and 2 ) is patently absurd given this " large deposit '' was single cashier 's check issued by a credible and large regional bank, XXXX XXXX XXXX. 
At this time however, no actual reason has been given to me. I am a new startup and I need to either have this account working or have it closed in a timely manner. This bank can choice, as I need a trusted financial entity to serve business needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Card was removed from my XXXX Credit Bureau report in XXXX. As of today this account is appearing on my report once again. I contacted the creditor Navy Federal Credit Union and they agreed to remove this account do to major discrepancy.
Product: Debt collection

XXXX {$1200.00} Ask for docs no responses Also it say it was charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

I tried to open a checking 's account with XXXX Bank, and US Bank in XXXX XXXX, and I was denied a checking 's account with XXXX banks because XXXX is reporting innacurate information to the banks stated above, intervening with my future banking. This matter was cleared in XXXX, should n't be reporting innacurate information to banks under any circumstances. Please clear this matter at your earliest convenience. I have already provided XXXX with a police report from XXXX Police Department regarding this matter.
Product: Debt collection

HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP
Product: Credit reporting, credit repair services, or other personal consumer reports

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, and BANK OF AMERICA XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 


According to FCRA Section 605B ( 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 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/year> I applied for a rental located at XXXX XXXX XXXX # XXXX XXXX XXXX. I applied for the rental through the property manager. I forwarded all necessary information such as a copy of my drivers license and signed application to apply for the unit. Later that afternoon I was informed that I was approved for tenancy. I received through an email attachment the requested documentation that would enable me to rent this apartment. I was also informed that a {$2900.00} security deposit was needed to secure the unit. It was Friday afternoon and I was expected to do a wire transfer to the owner of the property as soon as possible as other individuals were wanting the apartment. As it turned out, I had to wait until the following morning, Saturday XX/XX/year> to complete the transfer as the banks were already closed Friday afternoon. 

The following morning I went to Wells Fargo Bank to complete the wire transfer. The bank representative, XXXX XXXX, inquired if I had seen the unit. I had no idea why he was asking me this as he failed to elaborate any further information to me. I answered by simply telling him no and he completed the transfer. 

There was an undeniable sense of urgency by the property manager to complete the wire transfer as he made me return to the bank on Monday XX/XX/year> that the wire transfer was complete. I was informed by the bank that my copy of the wire transfer was proof that the transaction was complete. There was never a point in time that Wells Fargo Bank questioned the validity of this transaction that I requested. While obviously I was the one applying for the rental and forwarding the security deposit, I had nonetheless never dealt with fraud of this nature. But obviously as initially inquired by XXXX XXXX there was a question of validity of this wire transfer that wasnt communicated to me at all other than asking if I had seen the rental. I had paperwork on letterhead that I believed held the property manager responsible for returning my security deposit if I chose not to rent it. 

For a well established banking institution such as Wells Fargo it is their responsibility to further question the validation of a transfer of this nature as I would have stopped this wire transfer immediately but had no reliable information to go on other than being asked if I had simply seen the rental as that fails to convey any validity to me. As a result, I was scammed out of {$2900.00}.
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX