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

I've sent certified mail to these companies to request authorization from the following Companies : XXXX XXXX XXXX XX/XX/XXXX, $ XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXXXX/XX/XXXX, {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$300.00} XXXX XXXX, {$230.00} XXXX XXXX XXXX XX/XX/XXXX, {$580.00} XXXX XXXXXXXX XXXX  XX/XX/XXXX, {$200.00} XXXX XXXX XXXX XX/XX/XXXX, {$500.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Credit Inquiries I don't recognize 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

Hello my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following charges or open the following accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I have been a victim of identity theft since 2014 the suspect ( s ) also tried to file a fraudulent return, I have attached the affidavit from them aswell. Please delete the items as soon as possible.
Product: Debt collection

I paid off the XXXX XXXX  card and closed the account. The balance was around XXXX USD. The account is now in collections with Lvnv Funding Llc for the amount of XXXX USD. I would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$9300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company. 
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both XXXX  and XXXX credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with XXXX XXXX XXXX. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both XXXX and XXXX  and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on an email. After receiving  the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry on my credit reports.
Product: Mortgage

I have forwarded all required documentation to Wells Fargo Bank regarding a short sale and they have acknowledged receipt of the material. They indicate they are in receipt and blatantly stated that they will not rescind the foreclosure sale date of XX/XX/2016 even though we have a cash buyer who is ready to close escrow. I have been told that they have n't been able to complete their review of the properly submitted material. On numerous occasions they have asked me to re-submit documents that have been sent previously and acknowledge receiving. When I make phone calls and leave messages, it takes them several days to respond, even though it is clear that time is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, SYNCB/TJX CO DUAL CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Product: Student loan

On XX/XX/year> I emailed Firstmark Services ( serviced through Nelnet ) and request a Discharge Application for my private loans based on school misconduct. Firstmark responded back stating that my loan program does not offer discharge due to school misconduct and did not send the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion since XXXX of this year atleast twice a month. I have filed ftc reports proving fraud, several cfpb complaints, XXXX XXXX XXXX complaints and even contacted them directly for help. They have not showed any proof of the accounts i told them were not mine. XXXX and XXXX  data breach both have my information in their systems to prove my info was stolen. transunion is just receiving this information and sending out the same letterx. illegaly denying me to remove the items that are not mine. can someone please help me. they are not willing to take off acounts that are not mine and I have tried comtacting cfpb as well for help.
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus to fix the accuracy of my reports. they have had over 60 days to do so and have done nothing. a lot of the inquiries were not made by me and I had to go through a long drawn out identity theft process. I have also done my own research and these reports are not accurate. 


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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
In accordance with the fair credit reporting act, the inaccurate non validated information 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 an account without my written instructions. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


-- INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account # XXXX, Account name 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Product: Credit card or prepaid card

I have a prepaid Money Network card rom my employer which is where i receive my paycheck. I noticed that there was a lot of money missing form my account on XX/XX/2020. I immediately notified them, they did issue me a new card and sent me forms to fill out. I filled everything out, along with a written statement explaining what happened. I do not often check this account, however when I was made aware of the problem, the scammers had stolen over {$3600.00} from my account. All charges were at gas stations and XXXX XXXX. Looking at my account, you can clearly see these charges should have been flagged ling before this amount should have been taken. Money Network said it would take up to 10 days. I called them again, and they said my claim was denied. I have filed police reports with the XXXX XXXX Police, the XXXX County Sheriff 's Office and the FBI since it is a considerable amount of money and yet Money Network still will not reopen my case. When I spoke with the police, they informed me that they are aware of this problem and have been unable to apprehend the scammers. I am reaching out to you in hopes that you can question the integrity of this institution and do the right thing by getting me my hard earned money back. I am not in a position to lose this amount of money. I can be reached at XXXX or XXXX. Thank you
Product: Credit card or prepaid card

A payment to my account sent by XXXXXXXX XXXX  on XX/XX/22 was sent in error to Goldman Sachs Apple Card to the wrong account number ending in XXXX. 

Since XX/XX/22 I have made multiple attempt to Apple to resolve this issue. As the money was deposited to Goldman Sachs and never credited to my account. Goldman sachs has claimed they can not find it. I have given them proof of deposit, from XXXX. The money is in my name and Apple was informed since XXXX of the error and no reasonable response has been provided. I have called Apple on multiple occasions and they refuse to transfer me to the dept that is searching for the money. I have asked for a direct call back, when attempts are made there is no ability to provide clear information about the status of this payment. I have asked for the money to either be returned to XXXX or credited to my Apple Card correctly, this has not been done it has been almost 3 months. 

I have attached proof of deposit with bank tracing number give to Goldman Sachs Apple already. Showing the account number associated with this deposit is incorrect.
Product: Consumer Loan

Reliable Credit falsely submitted an application using my personal information without my permission on XX/XX/2016. I did not authorized anyone employed by their company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Debt collection

I consumer, XXXX entered into a consumer credit transaction with Capital One starting in XXXXCapital One violated me in the following ways. I did not receive enough information to verify debt, or any mail notices to my current address after my request to them to verify the debt they claim I owe. I keep getting harassed with email notifications from Capital One with my personal information and not disclosing they are in a attempt to collect debt from me which is a violation according to 15 USC 1692d. And all 3 of my accounts were closed without my consent, due to a bank issue. After accounts were closed without my consent Capital One still charged me late fees for months after accounts were closed without my consent.
Product: Credit card or prepaid card

I was unknowingly a victim of a scam on XX/XX/XXXX of this year through Cash App. Some guy named XXXX XXXX removed all of my money out of my account to buy bitcoins without my permission. I had a total of {$53.00} on my card and he left me with {$0.00}. Ive been contacting the cash app team so that I can get my money back. And its been extremely frustrating. They locked my account on Thursday due to unusual activity and I have find in the account that I can not use. This guy was supposed to be reactivating my old card because I found it after I requested a replacement. And he took my money without my permission instead. And he later called me from several numbers to make fun of what he did. And he also told me to download a XXXX XXXX to freeze my phone while he removed my money without my permission. I really do hope you guys can help get my money back, because I really need it back.
Product: Checking or savings account

i closed account XXXX at citibank and the bank has not refunded me the money from the closed account despite XXXX letter and XXXX phone calls. most recently citi says that my address of XXXX years is invalid and go to a branch. the branch says that i have to call citi
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Failure to Investigate Properly ( Identity Theft Report Attached ) Dear Experian, I am writing to formally dispute an account that has been inaccurately listed on my credit report. Despite a prior dispute, this matter was not properly investigated. Other credit bureaus have already deleted this fraudulent account from my report, and I request that Experian do the same. Below are the details of the fraudulent account : XXXX XXXXy Account Number : # XXXX Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is a result of identity theft. I have attached an identity theft report for your review, as well as any necessary documentation to support my dispute. 

Please conduct a thorough investigation and remove this account from my credit report as soon as possible. As per the Fair Credit Reporting Act ( FCRA ), I have the right to have all fraudulent and inaccurate information removed from my credit report. I would appreciate written confirmation once the correction has been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Recently, I ( XXXX XXXX XXXX XXXX, was denied an extension of credit by ( XXXX*Bank OfAmericaXXXX ) .On XX/XX/2020, I applied for ( **Bank Of America Unlimited Cash Rewards XXXX XXXX XXXX XXXX XXXX Bank Of America is discriminating against me and Bank of America are in violation of the fair credit reporting act. I the consumer and natural person was discriminated against. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 USC 1691c and pursuant to civil liability under 15 USC 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Bank Of America due to the response I received. 
Bank Of America is in violation of 15 Us code 1642, USC 1681m and 12 CFR 1002 because I the consumer, made an application in good faith and was discriminated against. Further more, because my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bank Of America. 
If Bank Of America fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make Bank of America & their Trustee criminality and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o
Product: Debt collection

According to code 15 USC 1681 My information was exposed in data breach.