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

Equifax should not be reporting me as an authorized user on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Vehicle loan or lease

On XX/XX/year>, I filled out an application, in order to purchase a vehicle with credits, and gave the application to XXXX XXXX. XXXX XXXX delivered said application to Ford Motor Credit Company, who then submitted the application to a Federal Reserve Bank, and pursuant to said application they received XXXX XXXX in the form of credits of Federal Reserve Notes in an amount equal to the vehicle purchase price which I applied for. XXXX XXXX Dollars in XXXX Funds XXXX XXXX ). 

Upon Ford Motor Credit Company 's possession of the said Collateral Security, Credits for Federal Notes, they decided to take adverse action and refused to open my line to credits, depriving me of any Consideration equal pursuant to the agreement on the application. 

I authorized Ford Motor Credit Company to conduct business utilizing my estate and pursuant to said application, I authorized XXXX XXXX to recieve a Security Asset which is legal property of the principal and due to principal. Due to Ford Motor Credit Company 's actions I was refused equal Consideration in said agreement/Contract. 
This is a violation of Contract Law Requiring equal consideration has to be present to be a legal contract, and because of this I received losses in an amount equal to Sixty-Five XXXX Dollars in XXXX Funds XXXX XXXX ).
Product: Credit card

Multiple unauthorized purchases were made with my Kohls department card with out my authorization in the amount of {$840.00} with an available credit of only {$800.00} leaving the balance to - {$45.00}. My identity was stolen and my card used without my knowledge resulting in an unpaid balance reported to all three credit Bureaus. My credit score has been severely impacted as a result of this identity theft. XXXX points to be exact.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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

It has been a battle going through this and I am writing to delete the only account listed in my file.. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with CHILDSUPPORT showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized Please provide me validity of the inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. These inquiries were not authorized Please provide me validity of the inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised of these errors previosly. 
I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed some late payments posted on my consumer report, XXXX XXXX  Acct # XXXX Closed Account XXXX Late payments reporting on consumer report XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2021 XXXX is in clear violation of the law, Pursuant 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my consumer report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 15 USC 1681s 3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person making the report ( XXXX  ) ; Delete the above late payments from my consumer report, XXXX is in violation of 15 USC 168XXXX I have on multiple occasions mailed supporting documentation and correspondence and not been sent validation or response to these documents and queries. I as the consumer am offering remedy to these violations and non-compliance to consumer laws. Please I ask in your capacity to get these important matters corrected immediately.
Product: Checking or savings account

On the date of XX/XX/year>, I received a direct deposit from XXXX XXXX in the amount of {$5000.00}. Per the terms and conditions of the {$300.00} direct deposit promo bonus, since I received a direct deposit of at least {$5000.00}, therefore I should have received from SoFi a promo bonus deposit of {$300.00}. The complaint I'm submitting is that I have not yet received the {$300.00} bonus. I had promptly reported the issue to SoFi and the agent I spoke within in chat session agreed that the matter would be escalated up for a resolution to fix the coding tag on the XXXX XXXX transaction in question so that it would be correctly identified as a direct deposit so I can get the {$300.00} bonus I was expecting. When I periodically contact SoFi in chat session to ask for a status update, I am only told that it is still being worked on which I doubt is accurate at this point. Also note that all other banks I've used that receive the XXXX XXXX deposit have consistently recognized the deposit as a direct deposit without issue.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : Unauthorized/Incorrect Hard Inquiry Company That Performed InquiryXX/XX/XXXX Date of Inquiry : XX/XX/year>24 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Checking or savings account

I am a victim of identity theft and someone opened up an account with Charles Schwab using my personal information. I have never applied for or opened an account with Charles Schwab. I was just released from XXXX, and was XXXX  for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XXXX, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I never open any account with this company they do have my name correct but its not me.
Product: Credit card or prepaid card

I have been a BOA customer for over 15 years and recently was approved for a zero-interest offer. I attempted to set up automatic payments as has always been an option. I discovered that BOA has changed their policy and no longer offers " custom '' payment amounts.

The 2 options they offer under automatic payment is : 1. minimum payment 2. full balance This means if you have a balance of say, {$4000.00} and you have calculated that by paying {$270.00} a month, then the full balance will be paid in full by the end of the promotion. BOA ended this option and forces to either pay minimum or full balance. The other option is to log in monthly and pay the desired amount to ensure the full balance is paid off by the end of the zero-interest promotion. This is set up on purpose to hassle their customers into just making minimum payments in the hopes they will fail to long in monthly to pay the " extra '' to have the balance paid in full by the end of the promotion. 

This is WRONG and they know it, thus I will manually go to pay the amount monthly to ensure the full balance is paid off at the end of the promotion. 

SHAME on you BOA. 

I feel as though this is intentional and predatory to their customers.
Product: Debt collection

I had a credit card opened in her name with a bill for {$1500.00} in XX/XX/XXXX. I was not aware of this until I received a letter from XXXX XXXX XXXX stating that I owed {$1500.00}. I received the letter on XX/XX/XXXX, I ignored it as it appeared to be a bogus claim as I had not opened a PayPal credit card. 

I received letters from XXXX law firm threatening to sue me for the owed debt if I did not pay. I contacted the XXXX law firm and refused to give them my SSN or any other identifying personal information. The law firm sent me documents indicating that the debt was for scuba equipment purchased in Florida, I did not make such a purchase. 

I have filed a fraud complaint with my local police department in XXXX XXXX Wisconsin.
Product: Student loan

I have now called Mohela about this 4 times since XXXX and it still has not been fixed. Back when student loans were set to resume in XXXX - thinking I had a payment ( because Mohela said I did )- I forced my payment through as their auto debit did not take it. 

A month later I received an e-mail saying my account was in forbearance and there would not be a payment due until after XX/XX/XXXX. My account was still forbearance in XX/XX/XXXX but was to set to go into repayment in XXXX. I called Mohela in XXXX, to ask that the payment I made back in XXXX be put towards my XXXX payment instead of requesting a refund. I have called 4 times about this and been told that it's been escalated and will be handled. It said it would be handled by the deadline of XXXX - today, but it is not and I received an e-mail stating that my payment is delinquent. I need my previous payment applied because I am under PSLF and need my months to qualify. 

I also have a complaint about being in forbearance in XXXX, I was told this doesn't count towards my PSLF because it was in forbearance due to my loans being consolidated. I submitted my loan consolidation back in XXXX, it's not my fault Mohela did not get in through in a timely fashion to suit their needs. 

Oh and I called Mohela today and requested a call back, got the call back - to only hear music on the other end and then hung up on. Thanks, Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00} and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3000.00}.
Product: Bank account or service

On XXXX XXXX, 2016 XXXX XXXX XXXX, Executor of the XXXX County Florida Estate of XXXX XXXX deposited {$40000.00} into USAA checking account # XXXX from the account of the Estate of XXXX XXXX at XXXX XXXX XXXX. The purpose of the deposit was to use most of the funds to pay me for my 14 months of consulting services, expenses, travel and loans to XXXX XXXX at his pleading in successful pursuit of his claim as beneficiary of the contested handwritten Will written just prior to XXXX XXXX XXXX. 
The deposit was made via photo image in telephone consultations with a USAA representative. XXXX XXXX authorized direct payment of my credit cards totalling {$26000.00}, Additionally he issued USAA check # XXXX dated XXXX XXXX, 2016 for {$9600.00} for a combined total of {$36000.00}. Credit Card payments : XXXX : {$990.00} paid XXXX/XXXX/16 XXXX XXXX : {$1400.00} paid XXXX/XXXX/16 conf code XXXX XXXX : {$8800.00} paid XXXX/XXXX/16 trans XXXX XXXX : {$3600.00} paid XXXX/XXXX/16 XXXX : {$4500.00} paid XXXX/XXXX/16 XXXX : {$3300.00} paid XXXX/XXXX/16 XXXX : {$1800.00} paid XXXX/XXXX/16 XXXX XXXX : {$1600.00} paid XXXX/XXXX/16 On XXXX/XXXX/16 all credit card payments were rescinded by USAA without notice to me. Dishonoring an item properly payable is a violation of XXXX also bringing responsibility for consequential damages proximately caused The check was deposited at XXXX XXXX on XXXX/XXXX/16. It was returned as " unauthorized '' on XXXX/XXXX/16. 
XXXX XXXX will not return my calls. My demand letter to USAA 's legal department resulted in a call from a representative named XXXX XXXX @ ( XXXX ) XXXX. On XXXX/XXXX/16 she informed me that XXXX XXXX claims the payments were not authorized. That closed the matter for USAA without further details due to legal privacy considerations. 
Clearly the payments were authorized or USAA would not have paid them initially. XXXX XXXX changed his mind 3-4 weeks after final payments were made under his authorization. If USAA investigated in any meaningful way it did not include contacting me to hear my side of the story before taking such a drastic and harmful step. 
Regarding the stop on the check I do not believe it was in compliance with UCC 6A4-403 or confirmed in writing within 14 calendar days as required. This is not only a breach of the contract represented by the signed check but a criminal offense of obtaining money/services under false pretenses. 
My remedy is reinstatement of the credit card payments, payment of the check, payment of proximately caused interest, late fees, emotional distress and damage to my credit rating.
Product: Credit card or prepaid card

Lowes promised me that the XX/XX/XXXX interest amount of {$240.00} would be credited back to me a few months ago and after numerous attempts to get this credited, they keep giving me different answers. I used the email system on their website only to get a scripted message about interest, which I understand. I used the chat service only to be cut off, told wrong information, told the XX/XX/XXXX interest was for the month was waived ( Even though I said over and over it was the XX/XX/XXXX interest for XX/XX/XXXX ) and told to call a different number after a different number. Ive spoken to managers who said they could do nothing, associates the same and each time I was clear, that I was told, by one of their reps, that my purchases were not applied correctly to promo 's. THEIR rep agreed, told me they would refund that months interest and still nothing. They promised this as a resolution and I accepted. Yet, no person can help me get this fixed?
Product: Credit reporting, credit repair services, or other personal consumer reports

On today 's date, XXXX XXXX, I was presented an offer online to apply for a credit card that they offered and included in the offer was the statement that they see if I pre-qualify for their card offer and it would not impact my credit score in any way. Which I found out immediately afterwards was a completely incorrect statement.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XXXX/XXXX/2025 CONSUMER ADJUSTMENT CO Dispute Regarding Disclosure of Nonpublic Personal Information CONSUMER ADJUSMENT CO, " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802.

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices.

2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information.

I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ].

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information.

2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information.

If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights.

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ XXXX ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

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

Im filling a complaint against XXXX XXXX for failing to properly investigate my dispute regarding in accuracy in my credit report. Despite my submissions, XXXX XXXX constantly response with XXXX hours stating that the account is accurate without providing evidence of a thorough investigation. This practice buys the fair credit act.
Product: Credit card or prepaid card

There were multiple credit cards opened in my name fraudulently. Debt was accrued and this was not authorized by me and is identity theft. I have tried to remedy this by calling and claiming fraud but I have received no correspondence. I simply want these accounts deleted and removed from my credit report and out of the database with the bank.