23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 8. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 20. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
21. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. Other information I would like changed XXXX XXXX Account Number : XXXX Please verify and update late payments from XX/XX/XXXX and XX/XX/XXXX 5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 


In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Product: Checking or savings account

My USBank CD for {$100000.00} matured on XX/XX/2020. This was a transfer account from XXXX XXXX XXXX  I call the XXXX XXXX /USBank number at XXXX on XX/XX/2020 in the 10 day window for CD instructions prior to maturation. I spoke to XXXX who took my instructions to transfer the balance into my savings account. He confirmed this would take 7-10 days and a letter would be sent to confirm. No letter was ever received. 

I called on XX/XX/2020 to the number above and spoke to XXXX. After discussion and hold time for her to confirm actions to be taken the call was disconnected. I called back same day and spoke to XXXX at XXXX XXXX  AZ time. She confirmed my requests was " done '' and action would reflect in 7-10 days. 

I went online today XX/XX/2020 and the CD information no longer appears and the money was not transferred into my savings. I called number above and spoke to XXXX who confirmed that the CD was closed and a certified check was sent. Since the CD was closed they can not stop payment and take the requested transfer action. This check will not be received for ANOTHER 7-10 days. US Bank has denied me access to my funds for what could be a total of 19 days!!!
Product: Checking or savings account

Marcus Goldman Sachs is engaging in a pattern of manipulation and dishonesty to prevent customers from withdrawing money from their institution. Here are the details : I opened a certificate of deposit account with Marcus at Goldman Sachs on XX/XX/XXXX in the amount of $ XXXX. I funded the account via an ACH transfer through my XXXX XXXX Account. The money was debited from my XXXX XXXX account and credited to the Marcus account on XX/XX/XXXX ( i.e., the same day it was opened ). 

After attempting to add my husband to the account and having a terrible customer service experience doing so, I tried to close the account. I was told via their customer service chat function that this could only be done by calling their customer service number. 

On XX/XX/XXXX I called and spoke to a representative named XXXX. I asked to close the account. He placed me on hold and the call was cut off. 

On XX/XX/XXXX I called and spoke to a representative named XXXX. I asked to close the account. She executed the account closure, but told me that the money would be on hold until XX/XX/XXXX, and so I needed to call back on that day to complete the account closure process. 

On XX/XX/XXXX I called and spoke to a representative named XXXX. She told me that the money was on hold until XX/XX/XXXX, and that I needed to call back on XX/XX/XXXX to close the account. 

On XX/XX/XXXX I called and spoke to a representative named XXXX. XXXX confirmed that the hold was removed from the funds, and he closed the account. He transferred the money back to the original XXXX XXXX account that the money originally came from via ACH transfer. XXXX told me that the money should be back in my XXXX XXXX account by XX/XX/XXXX at the latest. 

On XX/XX/XXXX, the money had not been credited to my XXXX XXXX account, nor did my Marcus account show that a debit, or account closure was in process. 

On XX/XX/XXXX, I called and spoke to a representative named XXXX. She stated that the money in my account was placed on another hold, and would not be released until XX/XX/XXXX. Therefore, I asked to speak to a supervisor. 

On XX/XX/XXXX, I next spoke to a supervisor named XXXX who confirmed that the money in the account was on hold, and that closing the account would take an additional 10 business days PLUS an additional 3 business days for the ACH transfer to be completed, which would be an additional 2.50 weeks total. I asked why there were so many holds being placed on the money, and why it was taking so long for the money to be transferred back to the account where it originated from, and XXXX said that this is just reflective of Marcuss policies and processes. 

I am filing this complaint because I believe that Marcus is engaging in a pattern of deception, inefficiency, and deliberately slow processing times in order to retain their customers monies as long as possible, and I believe this pattern needs oversight and intervention by the US Government. In addition, I still do not have my money, and my account is still not closed, despite many attempts and requests to have the account closed.
Product: Credit reporting or other personal consumer reports

TransUnion is NOT reporting my credit information. XXXX and XXXX is reporting all of my credit accounts as normal but TransUnion is the only bureau not doing so. I have attached a copy of my XXXX report as proof. I spoke with TransUnion earlier this week and they had an old address which I updated with them. The representative advised me that a supervisor would call me within XXXX hrs to fix my credit report but I never received a call. I was given a case # which is XXXX. The TransUnion rep said that my report had a error code : XXXX which he could not explain to me what that was. I need TransUnion to fix my credit reporting asap.
Product: Debt or credit management

im complaining about Lexington Law credit repair I was with them from XXXX to XXXX to repair my credit but they didn't fixed my issue so I need them to reinbouse me back with the new settlement also I'm willing to prove I was one of their customer thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # 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 instruction.
Product: Credit reporting or other personal consumer reports

I have a loan for XXXX {$90000.00} that is removed in the amount but no action from the bureau to elevate my credit. in fact within a five day period my credit score was decreasing 6 times causing a depleted opportunity to refinance. I was misleaded and told to contact XXXX. which is another paid agency and I already pay for XXXX. The report reflects that my credit usage is 104 % and thats a false depiction. I have never had a credit score over XXXX and I have satisfied extreme debt and sought out a credit fixing company. ALL THREE BUREAUS ARE REFLECTED I am affected
Product: Credit reporting or other personal consumer reports

This has been on going since XXXX of this year and i believed XXXX had successfully resolved it when i filed with CFPB in XXXX but it seems all the credit bureaus are still reporting it as a mortgage and not a installment loan.
Product: Credit reporting or other personal consumer reports

I did my research with the fair credit reporting act and National Credit Adjusters I have no account number with them cause I never did business with them, has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy. 15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company i am speaking on today is Equifax. Below is a list of credit inquires that I have no clue about, i have reached out to customer service and they were no help at all. I have no idea how else to go about this issue. One of the other credit companies had an issue where inquires were gone then they came back. Not sure if this was the same issue or not. Below are the inquires.

Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX   Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXX   XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX**** Account Name : XXXX Account Number:XXXX** Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

I have initiated a transaction in the XXXX XXXX money transfer service to transfer money from my bank account at Bank XXXX XXXX to my XXXX XXXX Bank account. I made an entry by mistake on the amount ; instead of XXXX, I typed XXXX, which is way above the daily limit in XXXX. The app did not warn me about sending above the daily limit ; rather, they said they needed additional documents to confirm the address. I uploaded the needed document. I thought XXXX might have some additional document requests because my address had changed. Anyway, XXXX processed the transaction after uploading the document. and they have completed the transaction immediately and sent the money to my XXXX account. 
I realized that I had entered the wrong date when I saw my Bank XXXX XXXX checking account go overdrawn. Now my XXXX account is negative. and I contacted XXXX to stop the transaction, but they said they couldn't. and I talked to XXXX to pull back the money they couldn't. 
Now I am in a position to come up with XXXX K out of thin air. I don't understand why there's no protection mechanism. 

1 ) XXXX did not warn me properly that I was sending a lot more than the usual daily limit. 
2 ) They didn't give any warning, even though they saw a very high amount compared to my previous treatment. 
3 ) Bank XXXX XXXX approved the transfer even though they knew it was way above my balance. 
4 ), and no company has a way to reverse these actions, putting the customer in deep trouble. 
5 ) If this was a fraud transaction, the customer would still have lost the money.
Product: Debt collection

Someone use my identity to retrieve a XXXX loan. My whole identity has been compromised these lies 10 years. Please remove fraudulent collection appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experiean, XXXX, and XXXX have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written or permissible purpose to advertise or furnish my information and pursuant to the FCRA ( Fair Credit Reporting Act ) you are willfully committing a federal violation. Within thirty ( 30 ) days, I asked that you give me written notice of following my instructions. You are willfully noncompliant and according to the FCRA are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal is in violation of the FCRA they continue to furnish inaccurate information to my consumer report. I have sent over an FTC report and a police report and navy federal continues to report inaccurate information to the consumer reporting agencies. Not following the rules under the FCRA for furnishers. They have been reporting this inaccurate information for over 120 days on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.