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

In accordance with the Fair Credit Reporting Act, XXXX in the amount {$530.00} last reported XX/XX/2022, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I'm writing regarding fraudulent personal information associated with my identity. Accounts and transactions have been falsely attributed to me without my consent, causing significant distress. As a victim of identity theft, I've already reported this incident. 

I request your immediate action : XXXX. Remove all fraudulent information from my credit report. 
XXXX. Conduct a thorough investigation into this matter.
Product: Checking or savings account

On XXXX XXXX, 2023, I received an email from XXXX that stated they believed my account had been compromised and I was instructed to change my password. 

I realized that several attempts had been made to send money from various financial accounts. I have listed those transactions other places in this report. 

I immediately reported the fraud to Bank XXXX XXXX, Charles Schwab, XXXX, and XXXX. 

The XXXX XXXX XXXXXXXX and Schwab transactions involved someone who tried to send money to ( my name ) in XXXX using XXXX XXXX. I immediately reported the fraud to XXXX XXXX. I learned at this time that someone had created an account with XXXX XXXX using my email address and name. 

I would like to point out that I was definitely not in XXXX and did not receive this money. 

I suspected someone may have compromised my home desktop computer, and so I immediately disconnected it from the Internet. Later, on XXXX XX/XX/2023, I discovered evidence that someone took remote control of my home desktop PC. I discovered remote access software ( XXXX ) as well as software called " XXXX  '' which I believe is used to extract passwords saved in my web browser. 

Later, I received a noticed from XXXX XXXX that they had suffered a severe data breach and some personal information was stolen shortly before the above-described incident. I suspect, but can not prove, that this lead to the hacker gaining control of my computer. 

Schwab 's Security Guarantee, found at https : //www.schwab.com/schwabsafe/security-guarantee, states : Schwab will cover losses in any of your Schwab accounts due to unauthorized activity. 

However, Schwab has denied my claim with no information other than " Documents from merchant. '' I have filed reports with the FBI as well as the XXXX Police Department detailing the incident, and attesting that I did not initiate the transactions.
Product: Money transfer, virtual currency, or money service

Zelle let a fraud company XXXX my bank account of XXXX. XXXX. My bank refuses to take care of the zelle and continues to XXXX this issue. 
Zelle processed 3 fraudulent checks into my bank at XXXX account XXXX. 
Please note my Social is XXXX Address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  NO Response from Zelle in over 1 year repeatedly emailed complaint to there fraud department. 
My bank has reported this as fraud but instead of putting this on the fraud person they closed my bank account and I am out XXXX which is a real insult for someone who works hard and tries to do things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$790.00} Date opened XX/XX/2020 in accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit card

Regions Bank charges a Fee of {$1.00} if you pay early on your credit card account. Not interest, just my normal monthly payment I pay in full each month. Yes, they waived it, but I had to call. I 've paid early on various other cards under the same conditions, and never seen any penalty for paying a few days early. 

Please determine if this policy conforms with regulations. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my social security number to apply for so many things and it gave me so many hard inquiries I have around 30 hard inquirys that need to be removed that I did not do because I did not have any credit at the time so I didnt even apply for anything because Im only XXXX but now that I got credit those inquirys are affecting my credit score now that I have built my credit that I worked so hard to do! Here are the credit inquirys that I would like removed. Someone tried to apply for cars, credit cards all types of things I dont even recognize none of these companies but after you guys remove these I will be doing a credit freeze on my report! Please help me the best way you guys can! 

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

My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat.

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.
Product: Credit reporting or other personal consumer reports

I had some questionable inquiries on my credit report and I also was a victim of data breach as well in the past once I put the dispute in it took less than a few days to investigate equifax is quickly closing my claims
Product: Student loan

They are contacting our Client Services Department and reaching a representative stating they are calling from Navient in regards to my student loans and asking to speak with me. This is in violation of the FDCPA and could cost me my job.
Product: Mortgage

On XX/XX/2022 I submitted my loss mitigation packet to Freedom Mortgage, yet they keep asking for the same information I have submitted. Customer service verifies the documents are there & ask loss mitigation to do a 2nd review, at which point they will ask for something else. During this they sent me paperwork, that they verified went to another address, & they put a foreclosure sale date on our home during the time frame I had to ( re ) submit the same paperwork they already had. Im told Im responsible for the lawyer & foreclosure fees that are now on my account due to this, that I have 0 control of. I found out today they are reporting my mortgage foreclosure to the credit bureaus, telling me it will stay there indefinitely, when I was told as long as I was working on the loss mitigation it wouldnt go onto my credit. Due to them dragging this out & requesting I resubmit the same items my packet is now outdated. Essentially I have to start everything all over & resubmit all new information. This should not be happening & has created a lot of unnecessary stress & more financial hardship due to the impact this has made to my credit.
Product: Credit reporting or other personal consumer reports

The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report.

As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information may fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under 15 U.S. Code 1681s-2.

I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the 30-day late payment entry be removed immediately. 
To support my claim, I have attached the following documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of XXXX XXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) I expect your investigation to comply with the 30-day timeline stipulated under the FCRA. Please provide me with the results of your investigation in writing, and if this item is not corrected or removed, I request a detailed explanation of why it remains on my credit report.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Bank account or service

While reconciling our bank statement we found checks were drawn on our account using our routing and account numbers. The checks were made out with other companies names and fraudulent signatures. We notified our bank who gave us credit for the loss. This was later reversed because Bank of America would not repay them for the check fraud. Bank America sent a letter stating that they would have to have been notified within 24 hours of the fraud. This is ludicrous as we are a business sending out checks daily. We had no way of knowing that this fraud was going on. Bank America quoted reg CC in their letter. Is this a federal regulation? We did not issue these checks, or sign these checks. They are not in our companies name. How come we would be responsible and not the Bank?
Product: Vehicle loan or lease

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy purse to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting

The above dispute # is for an incorrect name, XXXX. They still had only my married name & i have been divorced for over XXXX & legally reverted to my maiden name in the divorce decree. I tried to correct online & had trouble signing in since the security questions had nothing to do with me. I called & tried to explain the name change, thought all was settled, Found out that a few days later that instead a Fraud Alert was placed on my account. I called again & tried to have it removed. Also, called XXXX & XXXX since I got a notice from XXXX that a Fraud Alert had been placed. I have since called & finally was able to get someone that immediately updated my name after pulling copies of my drivers license & SS card that I had sent earlier in the dispute. But I have been unable to get the fraud alert lifted, I applied for a credit card & had to send copies of my DL, SS & Bank statement to prove it was me applying. I do n't plan on any applications in the near future but would like to have this Fraud Alert removed since I never requested it. Thank you for your anticipated help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I re-submitted a complaint I am no longer contesting the account, I wanted the procedure used in determining their practices. 

They said they investigated. I am deeply disappointed in their practices. 

I am a former XXXX player with bouts of XXXX XXXX and XXXX with XXXX issues derived from years of dealing with XXXX  related issues. 

I get bouts of XXXX XXXX that can pop in to creates gaps of time. I do not recall accounts that this company stated that they had about me. I simply asked for the method used to determine if I had a bankruptcy along with the other items that was on my credit, because I did have an identity theft is situation. 

I can not guarantee that I didn't have the accounts that they stated is accurate so that is why I wrote the bankruptcy court and asked them did they release to any third parties like the credit bureaus if they released my name ... they said they did not release my name to any third parties, which has created some XXXX. 

I am going to speak with my XXXX  about this issue because I am in the XXXX lawsuit with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed serveral collection accounts on my credit report multiple times. This company continues to " Verify '' the debt, however, provides me with no proof. In addition, I contacted the collection agencies, and either received NO response, OR they are Unable to provide me with Validation or Verification, OR they send me a Completely Different person 's medical information. How are they continuing to report inacurate defamatory information and on top of that, violate someone's HIPAA rights?

I have attached a confirmed deletion letter from XXXX, an example of the UNABLE TO LOCATE responses I have received from the collectors,
Product: Checking or savings account

BMO Harris Advertised that if you open a Business Account and maintain a balance of {$10000.00} dollars for 90 days they would pay you a promotional fee of {$500.00} dollars. The Bank is now trying to renege on that Ad by saying they will look at it in XX/XX/2023 which is well beyond the 90 days advertised. To me this is Misleading and Deceptive. Here is the Ad : Open any BMO business checking account, have at least 10 electronic transactions post to the account within 90 days of opening and receive : {$500.00} cash bonus When you maintain a balance of {$10000.00} or more for 90 days
Product: Checking or savings account

US Bank still over XXXXXXXX XXXX for my savings account from XX/XX/2021 to join XXXX from XXXX and some grand to XXXX  in my savings within one month they claimed to not know whats going on that I didnt have a bank account with them that they sent me letters out and never received them but they wouldnt give them to me. Theyve been giving me the runaround forever. I dont know what else to do. Ive already checked my check change my checking account number twice before that Because I had issues and I am pretty sure I know that it was a inside job from a employee who worked at the bank where I banked with inside of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent accounts have been add to my consumer report without my knowledge
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2016, I used a website ( I believe XXXX XXXX ) to inquire about refinancing my mortgage. Naturally, as a result of this query, I received a number of telephone calls from various lenders, XXXX of which was LoanDepot.com. I never authorized, granted permission, or indicated with any of these lenders that I wanted to move forward, mainly because my local credit union offered the best terms and I already had an existing relationship. However, on XXXX XXXX, 2016, I received a full loan packet ( completed mortgage application, addendums, etc. ) for a 10 year mortgage for $ XXXX, from LoanDepot.com, license ID XXXX, requesting signatures for loan ID XXXX. I subsequently called the loan officer listed on the documents, XXXX XXXX, license ID XXXX, telephone XXXX and left him a voicemail indicating my dissatisfaction especially since I never expressed interest in proceeding.
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. Thank you. 

Sincerely, XXXX XXXX