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

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX Account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Hyundai Motor Credit informed me that my interest on my car loan does not go down as I make my monthly payments to my vehicle loan. This is not the contract I signed. They informed me that my interest will stay roughly the same every month at {$1.00} per day from due date to due date. My truth in lending disclosure states I should pay {$2500.00} over the 72mo life of the loan. But if I pay {$1.00} per day that's nearly {$4000.00} over the life of the loan. I will attach a screenshot of my payments I made and you can see I am making extra payments to the loan but my interest is increasing every month
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXXXXXX XXXX Account number XXXX
Product: Debt collection

I am a victim of Navy Federal attempting to collect a dept. They have taken hold of my accounts including the exempt one which is an CD/IRA that belongs to my kids. I have filed a complaint with consumer financial bureau, XXXX, FTA and I also filed a motion with the court on XX/XX/XXXX for my assets to be released. The judge ruled in my favor and they have refused. They have scared me, bullied me, refused to speak to me and using abuse of power to take my funds to pay of a credit card I accumulated during the pandemic. I am not the only victim in XXXX they were sued XXXX XXXX for improper debt collection and this is the same issue that is happening to me. I was told by an agent called XXXX to call an attorney. She was being sarcastic because I said all my funds are locked up by navy federal. She demoralized me right on the recorded line. This occurred today at XXXX on XX/XX/XXXX. this is the second complaint i have filed against navy federal due to this issue. The consumer Protection bureau is suppose to assist consumers not intimidate them, give them false information and make fun of there issues over the phone. This is completely unethical, unprofessional and embarrassment to the state and the governor himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned my information was involved in a data breach. I refinanced with a company last yeand he last year and I noticed a drop on my credit report of points. When I reach out to the lender of XXXX XXXX XXXX they stated that someone has submitted a payoff request for my mortgage however this is something that I did not authorize. I reached out to the company several times and they still have not changed my phone number or my email address or my contact information and they are trying to sell my mortgage out from underneath me. They are committing friar. I have reached out to the social security office the police authorities the federal trade commission the FBI and I am at a loss what to do from here because I am being ignored Please reach out to XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report
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 : XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit card

This is claim of the wells fargo class action suit... I was penalized for overdraft when I did not over draft and atm fees mainly
Product: Credit reporting or other personal consumer reports

My husband and I applied for a loan through XXXX XXXX. They requested a credit report specifically from Equifax, but they couldn't obtain it due to it being locked. We spent hours on multiple calls with Equifax, discovering that my birth date and address were incorrect, among other issues. Despite our efforts, we couldn't get an Equifax credit report but obtained one from another agency showing my credit score in the low XXXX. My husband 's score was significantly better. 

This discrepancy is puzzling because we're married, share property deeds, and have joint accounts with all our financial institutions. About five years ago, our credit ratings were in the XXXX. Since then, we've continued using credit cards, paying bills, and even took out and repaid a small loan. We've done nothing to negatively impact our credit, and I don't understand why my report differs so much from my husband 's given our shared accounts. 

The main issue now is that Equifax requested copies of my driver 's license and Social Security card to confirm my identity and address. In late XX/XX/year>, we sent clear copies of both sides of my license and SS card via express mail, along with additional documents confirming my current address, name, and birth date. Equifax signed for the package. However, we received a letter dated XX/XX/year>, claiming the documents were illegible and requesting the same information again. The documents we sent were clear and legible. 

I haven't called them again because previous interactions have been unhelpful. Each representative seems to provide different answers to the same questions, appearing to read from a script rather than addressing our specific situation. 

This experience highlights the challenges in dealing with credit bureaus and the potential discrepancies in credit reporting between spouses, even when they share financial responsibilities.
Product: Credit reporting or other personal consumer reports

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

Received a claim for unpaid debt - sent a debt validation request certified return receipt through USPS - company has refused to validate the debt - they did not validate or provide original creditor verification why I am required to pay- to identify if there was an insurance claim against this supposed debt - copy of last billing - how they came to this amount and to prove they are legally able to claim this supposed debt - I can supply the letter I sent as well as the USPS receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Today is XX/XX/2021. I am looking to fix information on my credit report which should have been taken care of along time ago. At some point someone stole my identity and used my synchrony bank credit cards. I never made these purchases. I had 2 store cards. I never signed anything or gave anyone my consent to use my credit cards. One says for the amount of {$650.00} and the other {$810.00}. The collection agency names are XXXX Rc and XXXX XXXX XXXX. In the past I have called XXXX going back over 1 year ago about the situation multiple times. I was told they would put in theft since I never authorized anything and I would not be responsible. Now I am getting the run around which is why I am coming to you guys for help. I have been told by friends under the fair credit reporting act alone of letters I sent in that this should be removed from my credit as it's been way over 45 days since my original complaints went in.
Product: Debt collection

Genesis Credit Management contacted me based on a landlord falsely stating I owed them money. They've reached out via email saying I owe them money and that my credit will be damaged in less than two months.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 EB TransUnion has violated my rights personal rights
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 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 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 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 or prepaid card

XX/XX/XXXX saw charge on my XXXX card that I did not approve in XXXX I cancelled spirit membership and their credit card because of this same reason. Saw this charge on a different card XX/XX/XXXX ( XXXX card ). Called spirit & spoke with XXXX at spirit. He assured me that it was only a pending charge. He saw that I cancelled previously but saw I used my XXXX at one point and the decided to charge the membership to XXXX even though it was a cancelled charge previously in XXXX. I told him this was fraudulent because I did not request nor did I approve. He said that it was pending and would fall off. That is not an appropriate answer for fraudulently charging my XXXX without my request or approval.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Reporting Bureau received my request for re-investigation of disputed information on XX/XX/2020 as provide by certified receipt. TransUnion failed to conduct a re investigation of my dispute and they failed to notify me of their decision to terminate a re-investigation ( if such a decision was made ) pursuant to Civil Code 1785.16. 

Upon my request for re-investigation of the disputed information pursuant to my letter to TransUnion dated XX/XX/2020, consumer law requires that they re-investigate and record the current status of the disputed information before the end of the 30th business day period beginning on the date they received such notice of the disputed item from me.

Since the end of the 30-business-day period has elapsed on XX/XX/2020, TransUnion must delete the inaccurate information immediately pursuant to Civil Code 1785.16 ( b ). Despite that I again notified TransUnion of the problem on XX/XX/2020, TransUnion continues to ignore my requests as if their modus operandi is to make it as difficult as possible to the consumer to remove inaccurate information. To date, TransUnion continues to report the inaccurate information on my consumer credit report from them.
Product: Debt collection

In XXXX with XXXX XXXX I signed up at the XXXX location in XXXX XXXX while I was working there temporarily. I chose the monthly plan as I was not a resident. I notified them when I left over several emails and phone calls, each time I was told no one there spoke english and they couldnt help me. They did not cancel the account and a balance built up to {$340.00}. I can not cancel at another location now that I am back home and I go back to the original location. XXXX XXXX XXXX has contacted me about a debt collection and said that I need to pay immediately or they will put a mark on my credit and sue me.
Product: Debt collection

I am writing to dispute the fraudulent account that has appeared on my credit report. Upon reviewing my credit report, I discovered an account that I did not open or authorize. This unauthorized account is damaging my credit score and reputation, and I demand immediate removal from my credit report. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a student loan in XXXX for {$3000.00}. It is now being reported that the loan was taken out in XXXX which is a lie. It's also stating that I have two student loans one for {$6500.00} and another for {$4200.00}. I never took this loans out in XXXX. It also says they are closed and the balance is due is {$0.00}. Yet they remain on my credit report and has dragged down my credit score so much that I can not get my interest payments dropped on my car and home loan. I have called the Department of Education and they said to call XXXX XXXX which is closed down when I call. I am being run in circles and all my other accounts are in good standing. I have spent the last eight months called all the credit bureaus and nothing seems to work. I when I call the Department of Education is says call the numbers that are no longer in service. It's a vicious circle. Your assistance would be greatly appreciated.
Product: Credit card or prepaid card

I purchased a prepaid debit card from NETSPEND for {$400.00} a few days ago. I went online to fill out their information but was then directed to send more information ... they wanted my electric bill ... a copy of my SS card and a drivers license. I faxed that but they said my drivers license was too " dark ''. I then scanned the info but they said they could not open it. 
I resent the info in another fax ... but that was too 'dark '' ... .I then took a photo of my Drivers License and just received an email back saying it was too " blurry ''. I have asked for an address to mail a copy but that request was never answered. 
I have had numerous emails back and forth but have gotten nowhere in trying to resolve this matter. 
Any assistance in resolving this matter would be greatly appreciated
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. PORTFOLIO Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

FILE SUIT AGAINST XXXX SOLD DEBT TO XXXX XXXX XXXX SETTLEMED OUTSIDE OF COURT FEARING A CLASS ACTION LITIGATION. TRADELINE XXXX  LOAN XXXX, LAST PAYMENT MADE WAS XX/XX/2013. XXXX RE-INSERTED THIS TRADELINE 5 TIMES OVER THE PAST 7 YEARS.SEE ATTACHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX account number XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX ACOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXXXXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX XXXX, ACCOUNT NAME XXXX XXXXXXXX, ACCOUNT NUMBER XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX - XXXX - XX/XX/year> - {$120.00}
Product: Checking or savings account

Deposited my payroll check through PNCs direct ATM attached to the branch. Those funds are usually available next day, however this time they held the check due to something with their detection and resolution dept. I was told I can contact that dept for more info. The check was to be released on XX/XX/year>. Ive attempted to make contact with that dept XXXX or more, leaving voicemails after waiting XXXX min for a representative. Never received any calls back. The branch says they have the same issue when trying to contact that dept. Ive used their chat feature but they have limited information. I deposit these payrolls checks weekly, written off a local back with no prior issues. After 10 days they are still saying they need to verify the funds. It seems unrealistic that they dont have access to the funds at this point. Theyve now placed an extended hold until XXXX. If the funds werent available they wouldve done a reversal by now. The amount shows in my ledger balance but not my available balance. Please help! 
I will be closing my account and banking somewhere else after this experience. 
DO NOT RECOMMEND PNC!