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

I looked over my credit report and found unknown and unauthorized inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following itemsfrom my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENF XXXX XXXX CHILD SUPPORT ENF XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows
or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} US DEPT ED XXXX XXXX XXXXXX/XX/XXXX -- {$1400.00} US DEPT ED XXXX XXXX XX/XX/XXXX -- {$6700.00} US DEPT ED XXXX XXXX XXXXXX/XX/XXXX -- {$7100.00} US DEPT ED XXXX XXXX XXXXXX/XX/XXXX -- {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$640.00} US DEPT ED XXXX XXXX XXXX XXXX {$4800.00} US DEPT ED XXXX XXXX XX/XX/XXXX -- {$2400.00} US DEPT ED XXXX XXXX XXXX XXXX {$2100.00} US DEPT ED XXXX XXXXXXXX XX/XX/XXXX -- {$7800.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$400.00} US DEPT ED XXXX XXXX XXXX XXXX- {$5600.00} US DEPT ED XXXX XXXX XX/XX/XXXX -- {$1100.00} US DEPT ED XXXX XXXX XXXX XXXX {$810.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies. As outlined under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information included in a consumer report.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), the treatment of inaccurate or unverifiable information mandates the following : If, during a reinvestigation, any disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must : Promptly delete or modify the information as appropriate.

Notify the furnisher of the deleted or modified information.

Under the Fair Credit Reporting Act ( FCRA ), all items in my credit file must be 100 % accurate and verifiable. Specifically : FCRA 611 ( a ) : Requires disputed items to be fully investigated for accuracy and completeness.

FCRA 623 ( b ) ( 1 ) : States that if the furnishing party can not validate the disputed account as accurate, it must be removed immediately.

Failure to comply with these requirements constitutes willful non-compliance under 15 U.S.C. 1681n, which carries penalties, including potential litigation and damages of {$1000.00} per violation. If these inaccuracies are not corrected or removed within 15 days of receiving this notice, I will take legal action to protect my rights.

Furthermore, I am a victim of human trafficking and identity theft. Given these circumstances, I am requesting the immediate removal of the following items from my credit report : I appreciate your prompt attention to this matter. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute non-compliance regarding the handling of my credit information under the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, concerning civil liability for failing to meet the required obligations. I believe there has been a failure to comply with the provisions set forth in the FCRA, resulting in harm to my credit standing and personal financial well-being.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request an update to my credit report regarding XXXX accounts that have been paid in full. According to the creditor 's policy and in accordance with 26 CFR 1.6050P-1, these accounts should reflect a balance of {$0.00}. 

Below are the details of the accounts in question : Account Holder : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Original Amount : {$46000.00} Account Number : [ Your Account Number ] Date Paid in Full : [ Date of Payment ] Account Holder : [ Your Name ] Creditor : XXXX XXXXXXXX Bank Original Amount : {$1000.00} Attached to this letter is a copy of the filed 1099-C, which confirms that these accounts have been paid in full. 

I kindly request that you update my credit report accordingly to reflect the accurate status of these accounts as paid in full with a balance of {$0.00}. Your prompt attention to this matter is greatly appreciated. 


Thank you for your cooperation and prompt action regarding this matter. 

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

XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by CBNA bank of a fraudulent application submitted with his information without his consent XX/XX/XXXX with an inquiry reported to his XXXX credit report. An official dispute of this application was submitted to CBNA XX/XX/XXXX however as of this date CBNA has failed to send a reply to the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX representative came out to price me on a project and to establish the financing. Approaching XX/XX/XXXX ( scheduled date of install ) I was given an appointment reminder and asked to review the financing aspect. Thats when I found out XXXX fraudulently got a credit card made in my name without my knowledge with Wells Fargo ( WF ). All of their advertisements also only stated 0 % APR for 18 months, and their rep NEVER disclosed establishing financing by creating a new credit card. I even adamantly asked about the type of financing ; I never would have signed off on the creation of a new credit card, therefore, the WF credit card was fraudulently created. I had worked with both companies to close the WF account and to get it removed from my credit report. Only the closed status was updated ; neither company has helped to get it removed from my credit report.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX - XX/XX/XXXX XXXX Salesperson misrepresented information, saying it was 30 day trial and could cancelled any time without penalty and also failed to disclose terms with respect to cancellation. When called over phone to cancel, was told it was only 3 day trial. 

XX/XX/XXXX Notice of Cancellation email was sent to XXXX XXXX XX/XX/XXXX XXXX Removal of equipment XX/XX/XXXX FBCS Debt Collecton mailed stating I owe {$1600.00}
Product: Prepaid card

On Wednesday, XXXX of XXXX at around XXXX, my cash app account sent me a notification that my direct deposit had been deposited into my cash app account. I then changed my debit card that was linked to my account to another card. When I did that I got another notification that my account was locked. Tried to chat with cash app but the app informed me that I needed to call within business hours due to the fact that it was already after XXXX. The following day went through the app again and talked to someone in customer service and was informed that my account was locked down but couldnt provide any information as to why it was locked down and for how long it would be locked. Cash app customer service stated that my case would be expedited and that I would be receiving an email from them shortly. Its has been already a week yesterday since they locked my account. I have called and chatted with cash app everyday and still get the same answer. That I will receive an email. They wont let me talk to any supervisor or anyone in charge about my account. Ive requested their email but I was told they dont have an email to give me but they keep saying thats their main source of communication. I am lost on what to do. I thought it was safe to deposit my check to cash app and now here I am with no way to get access to my money
Product: Payday loan, title loan, or personal loan

I purchased a mattress set on XX/XX/XXXX and they have me down for payment all they way up to XX/XX/XXXX, now that is too long to be paying on a mattress. It's not the entire bedroom set just a mattress and boxspring. 

The payments every month is {$150.00}. 

I made a payment on XX/XX/XXXX in the amount of XXXX and the payoff yesterday said {$47.00} which I was going to make today XX/XX/XXXX. I checked the system today XX/XX/XXXX to make the payoff payment and now the amount has changed, it's now {$100.00}. 

I need to know what happened within the past 12 hours to make it charge an additional {$55.00} dollars. 

The item was originally {$850.00} I'm paying for this item three times the cost. I've already paid a total of {$1700.00} as of XX/XX/XXXX. 

I need someone to help, this just too much money. 

Thanks
Product: Checking or savings account

Capital One lowered the interest yield on my 360 Savings account to virtually nothing and created a completely different Savings accounts product called " Performance Savings '' with a much better interest rate, for no apparent reason. So I was left with an inferior product, after having the 360 Savings account for several years, until I opened a new Performance Savings account, where I had to set up new overdraft protection, etc. This feels either malicious toward existing customers or ignorant of their product suite on Capital One Bank 's part as there was no reason not to either a ) keep a higher interest rate on my old savings account or b ) upgrade my account to the new product, if they were just going to give the higher rate on new " Performance '' accounts anyway. I'm sure thousands of other customers haven't noticed the drop yet as it was not communicated to me in any obvious way.
Product: Credit reporting or other personal consumer reports

Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from XXXX that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per XXXX U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Credit card

See the attached information from WELLS FARGO FINANCIAL NATIONAL BANK - I have NEVER opened a credit card with this " bank '' or had any other account with them until XXXX XXXX of XXXX XXXX, TN put my car purchase through the Wells Fargo Dealer Services that is located in XXXX, Colorado. I want this removed from my credit history and if it has affected my credit I will personally sue them and it will hit the world news. Apparently they are still scamming people and I will not tolerate this.
Product: Mortgage

XXXX XXXX XXXX XXXX # XXXX working with the XXXX XXXX XXXX XXXX in California , listed as a seller multiple counter offer document the following request : " Top Buyers to cross qualify with XXXX XXXX XXXX Mortgage before any offer is accepted per MLS '' XXXX XXXX NMLS # XXXX Ms XXXX XXXX and Mr XXXX both work for the same brokerage as evidenced on the staff page of their company 's website. 

XXXX XXXX XXXXXXXX This is an unethical and potentially illegal conflict of interest to abuse the privilege of a listing agent in manipulating buyers to seek the services of an internally related lender, particularly when qualified buyers would already be pre qualified with the lender of their choosing as this was a counter offer term. 

Additionally, this may represent housing discrimination in that buyers " must qualify '' with the lender of XXXX XXXX XXXX choosing in order to be accepted- a claim that far exceeds the ethical and legal limits of her professional capacity and violating the housing rights of buyers. 

This should result in sanctions against both licensees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX rouser XXXX XXXX Lexis nexus stated this account belong to me. How is this accurate. I never applied or authorized this account. The name listed is completely different from my legal name. I have not Authorize this account you did not verify that I authorize this account or verify this account because if so, it would show that I did not authorize this account. This account is not in my legal name. This is a fraudulent account. 


THE NAME LISTED IS WRONG!!!!!!!!!! I AM NOT XXXX XXXX
Product: Credit card or prepaid card

I applied for a Chase Sapphire Preferred card on XX/XX/18 on their offer page, which displayed ( and still displays ) the following offer : - XXXX point sign-up bonus - 1st year annual fee waived, XXXX $ every year after After applying, I was billed on the account for the XXXX $ annual fee, even though the offer I signed up for specifically advertised the fee being waived. I called Chase about this and talked with 3 representatives, all of which said, " The advertised offer is still active and is valid for other applicants, but not for you. '' They were not willing to honor their advertised offer. 

They told me to either deal with the fee or close my account, and that they would not waive the fee ... if I did a product change, I would still be charged. If I closed the account, I would not be eligible to apply for the card for another 2 years.
Product: Credit card or prepaid card

A refund for the amount of {$800.00} was processed to my Apple Card, administered by Goldman Sachs. This refund was declined because it was considered suspicious activity, even though a charge was already on the account for the exact charge- because obviously it was a refund. The representative I spoke to requested I contact the company to reprocess the refund. This is the third time a charge has been declined from this company, and I am baffled as to why a REFUND gets marked as suspicious activity on my card. The company is unable to reprocess the refund and now the representative with Apple Card has instructed me I need to request a dispute on the refund charge. This is outright ridiculous- were talking about a credit to my account! A refund! Per the Customer Agreement I signed, it clearly says refunds will be processed as a credit and it no where says anything about the possibility that a refund can be declined. I never agreed to an institution being able to deny a refund Im justified to getting credited to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries that I did not apply for from XXXX, XXXX XXXX XXXX and XXXX I did not apply for a personal loan nor these credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having credit freeze and fraud alert, Equifax placed 3 hard inquires on my account. They refused to conduct an investigation or even provide details on who made the inquires. Here is what they placed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Product: Debt collection

Portfolio Recovery debt collection has been continuously harassing me! They call me multiple times a day, sometimes over 5. They call at all hours and every day of the week. Ive tried to get the original company info and they havent responded to me. Ive asked them to stop calling me and they respond with abusive language.

Every day they call i tell them to stop or Ill contact a lawyer. I have all the dates and times they call me on file.
Product: Debt collection

In XXXX I entered in to a lease agreement at XXXX XXXX XXXX in XXXX. When I occupied the building, the water service was not turned on. Once on, it was discovered that there were a multitude of leaks. I informed the owner of the issue and he asked me to call a plumber as I XXXX a XXXX XXXX XXXX and had a contact. My XXXX XXXX XXXX called and scheduled the plumber and some work was completed. The owner never made the water system completely workable, and in XX/XX/XXXX I vacated the property. Shortly thereafter, my XXXX XXXX XXXX received a bill from XXXX XXXX. I explained the situation and told them that my XXXX XXXX XXXX was not responsible for the bill and provided them with the owners information. I received some threatening correspondence from the building owner stating that I was responsible. At that time, I refused all calls and emails from he and the owner. I attest that this obligation is not mine for two reasons : 1 ) The plumbing work was completed on a building where I was only a tenant. 
2 ) The plumbing services were ordered by my XXXX XXXX XXXX on behalf of the owner. My XXXX XXXX XXXX ( XXXX ) was billed for this service. My XXXX ceased operation in XXXX. This credit and debt collection is in my personal name.