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

I am writing to formally dispute the account listed below, which still appears on my credit report despite a previous investigation. I request an immediate re-investigation of this item, as the inaccuracies are significantly harming my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection 6 ( B ) ( iii ), please provide the names, business addresses, and telephone numbers of each furnisher of information that was contacted in connection with your verification of this account. 
Additionally, please send me an updated copy of my credit report after your re-investigation. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am refilling the complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I noticed that an account listed on my consumer credit report by Equifax was too old to be listed on my report. The information for the closed account says it was closed in XXXX.The account was closed in XXXX. The account is still listed on my report, even though it is too old to be listed on my report. I want the account removed from my report. I contacted Equifax through their automated dispute resolution service on XXXX XX/XX/XXXX. They have acknowledged receipt of my dispute, and updated the account to disclose that the information is disputed, but that was 3 months ago, and they haven't done anything since. The account needs to be removed from my report.
Product: Debt collection

i got a notice in the mail stating my wages would be garnished and was thentened with a lawsuit
Product: Checking or savings account

On XX/XX/year> I set up an account with XXXX XXXX and deposited XXXX dollars into my new account with the app. I had to add my banking information and my bank statement to the withdrawal money, I also had to include my checking and savings account to my profile on the app. Once I did that later throughout the day I received a notification that said I withdrew XXXX then another withdrawal of XXXX which wasn't me I looked on my app and saw that I had vetted all the money onto the app or XXXX XXXX. I tried to withdraw the money/ cashout but it would not let me do so therefore I lost all of the funds on the app. I immediately called Navy Federal Credit Union to dispute the transaction they reset my password to create a new one and said to call back on XX/XX/year> to dispute the transaction will be posted. I called on XX/XX/year> to contact Navy Federal Credit Union and tell them I couldn't make a new password. In which they helped me to create a new one with a new account number and debit card. On XX/XX/year> I called Navy Federal Credit Union to dispute the transaction in which I explained to the person that I downloaded an app and attached my banking information to the app so that I didn't approve more funds to be withdrawn and to be used to bet. The fraud specialist created a dispute transaction for my case and said it may take a few weeks to resolve the matter of how my account had XXXX taken out to be used I explained that I use face id to get into my bank app but now the sports betting app. later that day I tried to use my credit card and it said it is locked as well XXXX as my whole Navy Federal Credit Union account has been locked, I was told to call back on XX/XX/XXXX. I called on XX/XX/XXXX stating that my account was locked and i talked to the specialist stating that I had another device that was fraudulent and accused me that I reset my password on the bank app with another fraudulent device that day for the reason that it is locked I told the specialist I do not have another device to do that but i asked the specialist for the model number of the XXXX in which she did not give me to see if it was my XXXX that was used to change the password again. to which is false I changed my password on XX/XX/XXXX with XXXX of the bank specialists in the phone and that was it in what told her but she stated that I changed it again and I received no notification to change it and I only used my credit card for the airport and to the gas station and that was it so I was confused why my account was locked. So the specialist said I won't ever be able to get into my account back because of all the activity going on with my account and said i won't be able to get the documents ts to review my case and to review my account So therefore there was nothing else done to resolve this matter at all to at least get my funds back or to get my bank account back.
Product: Credit reporting or other personal consumer reports

Good day. Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my XXXX XXXX, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet a year back that resulted in me being a victim to identify theft.I contacted experian as well as XXXX  via letter XXXX XXXX. it is now XXXX  XXXX and i have yet to recieve a reply.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile and i was shocked to see unauthorized fraudulent inquiries on my profile this is hurting please remove these fraudulent inquiries as soon as possible XXXX Inquiry date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX
Product: Credit reporting

*** This is not a duplicate ***I have been a victim of Identity Theft and have provided a copy of the Federal Trade Commission Identity Theft report XXXX as well as a XXXX XXXX Police Report XXXX to Experian on XXXX XXXX, 2015. Experian did not remove the account from my credit report. 

On report XXXX, Experian did an allege investigation and responded with an automatic response that they verified that this account belongs to me. This is an identity theft case, what kind of verification could Experian have done? 
I 'm not asking Experian to do another allege investigation. I 'm asking them to remove this account XXXX XXXX XXXX from my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a complaint with cfpb ( complaint # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, they ran my credit without my permission, and I was not interested in purchasing a vehicle nor co-signing for anyone. I was with a family member who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/year>. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had 5 hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in 2 years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. The five finance companies who unlawfully ran my credit without permission were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The action has tainted my credit in a negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the dispute I recently submitted regarding the negative accounts listed on my credit report. Despite my efforts to address these discrepancies, I have not yet received a satisfactory resolution to this matter.
Product: Bank account or service

While I was on the phone with a representative of Bank of America, I was attempting to link my credit card to my DDA/Savings online banking profile. The representative, XXXX, requested my social security number, and it was provided. XXXX stated that my social security number only displayed the credit card account. By deductive reasoning, this obviously indicates that my social security number is not contained in Bank of America 's records for my DDA/Savings accounts, which they are required to collect at account opening. They should have this information on file, but have stated that they do not. 

In a separate but additional complaint, I was assessed a {$10.00} overdraft protection transfer fee on XXXX/XXXX/15 but my account did not and would not have had a negative balance had the overdraft protection not been applied. As shown in the provided supporting documentation, with the exclusion of the {$11.00} overdraft protection transfer, my account balances at any point on XXXX/XXXX/15 would have been a positive balance. In addition, making a {$11.00} transfer to cover an overdraft and on the same day assessing a {$10.00} fee, netting " protection '' of just {$1.00} seems quite predatory on consumers, especially considering in this case my account would not have even been overdrawn.
Product: Money transfer, virtual currency, or money service

PayPal closed my account no reason at all and will not help me get it back up and going Im not sure if its a mistake as I assume it has to be I have not been able to get help from then for months but I just realized i could file a report on here as I feel they are not doing there job properly in its affecting me during this pandemic covid 19 And it has been more a 180 days my email is linked to my paypal is XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute I resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle in XXXX XXXX with my kids dad and it became abusive and he ended up going to jail and I no longer could afford vehicle and it was repossessed with all my belongings and license plate which I ended up getting a flag for because I could not get license plate and company sold vehicle and never turned in license plate and it accumulated a toll fee in XXXX texas because they drove through tolls with my license plate still attached to vehicle and they marked the loan on my credit as a charge off with a balance XXXX the finance company is Westlake financial and balance was updated XXXX XXXX.when I contacted them several times to update the balance to {$0.00} or delete all together because the vehicle was sold and they recieved a 1099 c from irs which means they received a tax credit so they should no longer collect from me and the irs so o feel as should they update that balance to {$0.00} and they refused and even contacted XXXX and they not doing anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I am been with Wells Fargo for 14 years I have credit car. With them. I over pay My bill. And when I ask Wells Fargo to increase my credit from XXXX to XXXX they say credit is not good enough This bank try to keep are people dont. Dont wan to work with people go get better credit. The way we have to pay super high interest
Product: Money transfer, virtual currency, or money service

Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Chase Bank services.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX HAD NOTICE ITEMS ON EQUIFAX REPORTS THAT ARE INACCURATE NOT BELONGING TO BE. I XXXX XXXX XXXX HAVE TRIED TO GET VALIDATION OF THESE ITEMS BUT EQUIFAX CANT SHOW ME CONTRACTS THAT BOND ME TO THESE ACCOUNTS. I WAS EFFECTIVE BY THE BREACH IN THERE SYSTEM. I HAVE ATTACH DOCUMENTS TO PROVE MY POINT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes asking method of verification and I only receive an letter back stating that it was verified. How is it being verified and the information that the company have on file does not match up to me. They are violation my rights and is against the law.
Product: Debt collection

On XX/XX/XXXX XXXX my debit card was stolen. Once I noticed my debit card missing I call the bank to cancel my card. TD Bank told me to file a police report which I did on XXXX. I have file a fraud claim to dispute for the charges, on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have denied all my claim. I have sent them all the information they have requested and still DENIED. TD Bank has closed my account and send me to collections. I just received another letter today. When I call the collection office refer me back to TD bank.TD have denied my claim even after sending them a police report. Its discrimination, Belittling, just plain harassment and gender profiling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX   XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19
Product: Debt collection

The collection agency ( Penn Credit Corporation ) is trying to collect an old debt from XXXX The account was closed in XX/XX/XXXX. They haven't mailed me any information bout this debt which the " STATUE OF LIMITATIONS '' on the account has " expire '' in the state of XXXX, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in XXXX in years because of a Domestic situation and had to relocate the original agency ( XXXX ) knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$510.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 
XXXX XXXX Balance : {$810.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$14000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
Also, I would like to request your verification of the aforementioned accounts. If you can not prove the items information to be 100 % precise, please correct them right away.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has led to fraudulent activity appearing on my credit report. In light of this, I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as they were opened without my consent. 
XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently not showing a credit number for me. The other two companies are. The company has told us if we get a membership we could " boost '' our credit. We tried this option and they want to connect to our bank account and we do not feel comfortable with that especially considering their recent credit breach. BUT we tried anyway to " boost '' our credit and they do not support my credit union. I feel like this agency 's practices are not ethical. In addition the agency 's are showing that my mortgage was discharged in bankruptcy and it was not. I still live in the home, my name is on the bill and I pay the mortgage every month. They also told us getting their credit card could help. I applied and was approved, again a conflict of interest and ethically questionable. How can the credit agency make these demands to give us a credit number?