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

This is my XXXX  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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXXBANK XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$770.00XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 XX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to attempting to settle the charge off balance we had with their company. On that first call, the XXXX representative stated our loan was marked as one of many to be XXXX out and removed from our credit report. They stated it had something to do with a class action lawsuit that XXXX had lost. Since then, we have called numerous times and each time the answer is the same, they are working on it and it will be done shortly. Finally in XX/XX/XXXX, I received a letter dated XX/XX/17 stating they had adjusted my balance to {$0.00} but nothing in regards to the removal. When I called back, again they say they are working on it. This has gone on for several months now and is affecting us from buying our new home in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm reaching out to address several issues I've encountered with the credit bureau. These include incorrect account listings, multiple unauthorized inquiries, inaccurate reporting, billing errors, and accounts that do not belong to me. I would appreciate your help in correcting these issues to support my financial stability.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I write to address the unlawful disclosure of my bankruptcy status by XXXX XXXX XXXX, a violation of my privacy rights and legal standards. 

Documentation from the courts confirms that bankruptcy proceedings are not reportable, thus highlighting the egregiousness of your organization 's actions. Your unauthorized dissemination of my confidential financial information constitutes a severe breach of both legal and ethical standards. 

The correspondence received directly from the courts serves as undeniable evidence of XXXX XXXX XXXX 's engagement in unlawful practices by disseminating false information regarding my bankruptcy status. This violation not only tarnishes my reputation but also exposes me to undue scrutiny and potential harm. 

I demand the immediate cessation of all activities related to the dissemination of my confidential bankruptcy information. Additionally, I expect XXXX XXXX XXXX to issue a formal retraction and apology for the harm caused by its unlawful actions. Failure to comply will result in swift legal action to seek redress for the damages inflicted upon me. 

I trust that prompt action will be taken to rectify this situation and prevent any further breaches of confidentiality. Your immediate compliance is essential to mitigate the repercussions of XXXX XXXX XXXX 's unlawful conduct. Be advised that I am prepared to pursue all available legal remedies to hold your organization accountable for its actions. 

I anticipate your immediate compliance with my demands and a prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -, XXXX XXXX Balance : -, XXXX XXXX  Balance : -, XXXX XXXX XXXX XXXX  Balance : {$540.00}, XXXX XXXX  Balance XXXX {$550.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$340.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$430.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$910.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle was linked to my bank account withXX/XX/XXXX. Ive hadXX/XX/XXXXsince 2014 I had no reason to question anything on theXX/XX/XXXX, my whole family usesXX/XX/XXXX 

When Zelle was added to the mobile banking it had no warning that I would be able to get my money back once sent
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FIN SVCS XXXX XXXX Date Opened XX/XX/13 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft. Im not sure how it happened, but it seems that my personal information was used to open accounts that I dont recognize, and I did not authorize. I did not open nor benefit from them, and I request that they be removed immediately Per FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) Block. 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, not later than XXXX business days after the date of receipt by such agency of. This is an incredibly stressful situation, and I would be grateful for assistance. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity since the first week in XXXX XXXX. Emails were hacked, and I immediately contacted Wells Fargo and deactivated / disabled all accounts which consisted of Checking, Savings, and newly received Wells Fargo Charge Card. What Wells Fargo allowed to happen next is the subject of many Complaints filed with several Government Agencies which oversee accountability with Banking and Finance. These identity thieves made several attempts to get Wells Fargo Charge Cards in my name. 
This complaint against Wells Fargo is specific to several fraudulent Credit inquiries on my Credit Report due to fraudulent behavior. The identity thieves have had full access to my Wells Fargo accounts since the first week in XXXX XXXX. 
The following are fraudulent inquiries and I have been requesting that they immediately be removed. I have filed Disputes, but Wells Fargo is not a customer oriented Company. And my goal is to make the Public aware of this. 
The following are fraudulent inquiries and I'm asking that they be immediately be removed from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX And as allowed by the FCRA I am requesting the complete Credit Inquiries files on the above inquiries mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to XXXX  CUSTOM for the account number XXXX notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Debt collection

On XX/XX/19 I got an alert that Deville collections had added a collection account on my XXXX  credit report with the original creditor of XXXX Deville did not properly notify me via mail before placing this account on my credit report this not giving me the right to dispute. Plus the account with the original creditor XXXX is more then 7 years old. Please dispute all credit reporting agencies
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX . XXXX  # XXXX XXXX, PA. XXXX 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. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Not my address
Product: Mortgage

I have been looking for a mortgage for quite some time and saw this advertisement saying I could get $XXXX in free XXXX XXXX money from this lender and get another $XXXX  in closing credits free by going to this lender. I spoke to my regular bank and they said this was deceptive advertising.  I do NOT want to work with anyone that would be doing anything illegal so I'm not sure how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX Balance Owed : {$850.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Balance Owed : {$530.00}, XXXX XXXX XXXX Balance Owed : {$780.00}, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX VERIFY Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint for belief in being a victim of identity theft and needed to have a list of documents I submitted a package via certified mail containing the documents needed to resolve this issue, via Section 605B of the Fair Credit Report Act. Their investigation has closed, yet those items are still on my credit report. Please block these items as soon as possible. I have attached the original documents showing when they were sent.
Product: Debt collection

I have paid all debt and cleaned my credit report. All of a sudden this company, Medical Data Systems showed up for asking for {$100.00} that belong to my son. I asked for proof and they refuse to show me proof. I disputed it but they keep claiming it without showing me proof that it is min.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed XXXX XXXX XXXX XXXX XXXX XXXX that account was created due to identity thamedt but XXXX XXXX XXXX XXXX is stillattempting to collect debt and continuing to report Inaccurateinformation on my consumer report. I sent them police reportand identity theft affidavits still no resolution. Debt was never legally verified by XXXX XXXX XXXX XXXX
Product: Checking or savings account

The incident happened between XXXX XXXX  to XXXX XXXX   CST on XX/XX/2020. I deposited {$300.00} in cash using the PNC bank ATM inside the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. The debit card I was using is a XXXX  XXXX XXXX debit card. The machine took my cash and threw an error message. ( Can not remember the details, but it was something like " Transaction can not be processed and have to be done at your financial institution ''. 

Contacted PNC Bank customer service on phone, told me to contact XXXX  XXXX XXXX. XXXX  XXXX XXXX customer service told me there is no deposit record on my account, and told me to contact PNC. Told the same PNC customer service the situation clearly again. She became really rude and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, I contacted the TransUnion Credit bureau via telephone regarding inaccuracy and inaccurate information pertaining to XXXX XXXX XXXX Account XXXX XXXX, on my Transunion credit report for the months of XXXX, XXXX, and XX/XX/XXXX. TransUnion, representative informed me that all the information is accurate and has been verified and validated. 
How can the account be verified and validated when XXXX, XXXX, and now XXXX Transunion credit report still reflects missing payment dates, missing payments amounts, highest account balance for every month for the years of XXXX, XXXX, XXXX, and the months of XXXX and XX/XX/XXXX, is missing data. In accordance with CFPB... Transunion has and continues to violate the following codes pertaining to me as the consumer 15 USC, 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

bureau name : EQUIFAX XXXX address : EQUIFAX INFORMATION SERVICE, LLC XXXX XXXX XXXX XXXX, GA XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 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 a consumer does not initiate. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear EQUIFAX, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Payday loan, title loan, or personal loan

I received a {$970.00} loan from right now loans, a tribal loan lending company. I never signed any paperwork for this loan nor was i told what any APR % would be. I paid on this loan weekly every week after the day i received it, {$140.00} A WEEK. I ended up calling them about my loan on XX/XX/2022 and that's when i was told my payoff amount would be almost {$8000.00} more dollars before i was done with the loan. They were charging XXXX 780 % in interest!! Without ever telling me. When i went back and forth with them for days on it they ended up only making me pay one more payment of {$140.00} but refuse to send me verification that my loan is closed. In total i've already paid {$1700.00} towards a {$970.00} loan and i think i deserve a reimbursement.