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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Product: Credit card

I was seeking to buy XXXX XXXX tickets as a gift. Went on line to XXXX to buy the tickets. Once the information was uploaded I get this thank you for your purchase. I immediately noticed an extra {$450.00} service fee. I contacted the company on their website and submitted they remove that charge since I did not agree. An email stating that was the typical service charge. I. Said I am not going to pay that charge since all the work was done on line with no human was involved. I immediately contacted USAA to dispute the charge when it comes in. USAA disregarded my request and pay them. Again I explained in a phone call that 1 ) I requested cancelation 2 ) Requested USAA dispute the fraudulent charge and reverse the charge. USAA paid XXXX and withdrew over {$2000.00}. Leaving my bank card in the negative.
Product: Debt collection

BANK of America is reporting inaccurate information on my credit report. I requested information from them via a certified letter using the FCRA statue 623 on XXXX XXXX, 2015. They have ignored my request & continue to report accounts negatively on all XXXX credit reporting agencies. The credit reporting agencies say it 's my responsibility to provide them with all the proper documents but I was n't born yesterday. I know it 's the data furnishers responsibility to provide all the proper documents when requested by the consumer. I would like this information removed from my report immediately. I 'm including all correspondence I 've sent to the credit bureaus as well to get them to remove & they 've always passed the buck back to the data furnishers.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My husband died suddenly and as a result I had to appeal and verify my claim with the XXXX XXXX. On XX/XX/XXXX to travel to Washington, DC I made a vehicle title laon with TN Quick Cash later that XX/XX/XXXX I mad an additional loan of {$1000.00} making the total {$2000.00}. During this time I was unemployed. I informed them and trying to work out a lower payment and their, agent said, " on, and informed me how he was going to send someone over to get the car. This was XX/XX/XXXX. I never got any statement. to this day, XX/XX/XXXX, I have never received " any account statements '' I had to file bankruptcy due to the problem with the VA. My attorney tried to work out a payment with TNQuick Cash in XX/XX/XXXX. They then notified the court which dismissed my case. 
Tday XXXX, without notice, TN Quick Cash came on my driveway, without any notice and repossesed by car. This is wrong and they have never supplied me with any account balances or statements. 
Please investigate. I have proof of other actions of them being on my property at night.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries are shown below.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( Equifax, XXXX, and XXXX  ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

This complaint is seperate from the grounds in my pending matter:XXXX. More than a month ago, I requested via DirectExress ' customer service number, a copy of the information on which they relied in denying my application for fund reimbursement. That money was the amount stolen by a criminal when DX allowed him to access my account numerous times without authentication of identity. DX website allows for request by a cardholder for that info. After repeated requests of them, DX responded by emailing me a routine monthly account of transactions made long after their denial and entirely unresponsive to my request. Lately, DX has suspended my accesss and use of my account XXXX times on the ridiculous grounds that my identity was not verified. My identity has been well known to them for years. DX has failed to respond to my repeated demands for compliance with my info request as well as for reinstating my access and use of my account suspended without notice or justification.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 ( a ) 4- 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.

Transunion is in violation of 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) Permissible Purpose of Consumer reports ( 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.

Transunion did not have Permissible purpose. They also did not have my written consent.

Transunion is in violation of 15 USC 1681b ( a ) ( 2 ). 

I, XXXX XXXX has contacted TRANSUNION Credit Bureau many times via certified letter and theyve failed to provide me with any requested forms that I have demanded! Ive requested for a reinvestigation and they have yet to properly do so. 

Under the FAIR CREDIT REPORTING ACT ( FCRA ), it governs the way consumer credit reports are accessed and how credit reporting agencies handle personal information. 

Under 15 USC 1681 ( i ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Transunion has NOT used the maximum possible accuracy to ensure that my ( consumer ) data has meets the correct standards. 
As a consumer, I have suffered mentally, physically and emotionally of the inaccuracies/ faulty practices of Transunion .
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed anything with Naivent
Product: Student loan

I was told by a ACS/lender I had a loan from the institution I never attended. The name of the school was XXXX. When I did more research on this school it has been closed since 1997 for defrauding consumers by authorities. There was also settlement reached on 1997. My lender is not cancelling this loan rather they are adding interest to the principal and forced me to pay it. I am paying this loan {$11000.00}, because I do not want my credit to be spoiled. I feel this unfair practice. Please advise me how to resolve this issue.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days  prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Bank account or service

I bank at TD Bank in XXXX, VA. I have a checking account and a savings account. The checking account is an account for Senior Citizens. I am retired and receive a monthly Social Security check and a pension check from my former employer. My wife continues to work and will receive her XXXX Social Security check next month. In checking my bank statement today, I discovered that I had been charged five overdraft fees of {$35.00} each. 
My account never had a negative balance. My wife and I went to the bank on this past Saturday to deposit a payroll check from her company. I specifically told the Teller in front of my wife that I was depositing a pay check and asked her to deposit the amount of the check as cash as the bank had agreed to do many times before. The Teller advised me and my wife that the check was deposited as cash. Today, I discovered that the bank had deposited {$500.00} as cash and the remainder of the check as a check subject to the banks holding policy on checks deposited into checking accounts. I called the Customer service XXXX number and explained the problem. The service representative understood my complaint and put me on hold to talk to her Supervisor. When she returned to the call, she advised that she was transferring me to her Manager to resolve the problem. Her Supervisor immediately got the Branch Manager of the XXXX Bank on the line and left the call. I explained the problem to the Branch Manager and she asked me if I had identified the check as a payroll check. I told her that I had done this as I have done many times previously. She said that the Teller was working today and put me on hold to ask her if I had identified the check in question as a payroll check. She got back on the line and said that the Teller did n't recall but later called me back and said that the Teller did remember cashing my check as cash, giving me {$500.00} at the time and depositing the remaining {$1600.00} as cash into our checking account. However, our account did n't reflect this understanding causing the {$170.00} overdraft fee. The Branch Manager said she would look into this but called me back to advise that she could n't reverse the {$170.00} overdraft fees because there has been a change in policy resulting in our account being charged the fees. I told her that we were not advised of any change in policy and the Teller had told us that the check was being deposited as cash into our checking account. Our checking account still remains debited for {$170.00}. I believe that TD Bank is fully aware of my problem and similar problems but has failed to change their accounting rules and processes because these mistakes benefit the Bank at their customers expense XXXX. I am asking the CFPB to help me resolve my specific problem by having the bank return the {$170.00} in fees to me and to look at the broader consequences for consumers if this TD Bank policy is allowed to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX  XXXX XXXX/ ACCT : XXXX****/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX XXXX/XXXX  & XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX XXXX  /ACCT OPENED XX/XX/XXXX / {$150.00} INQUIRIES : 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

There is a collection against me on my Equifax report. Presumably shared across the other credit reporting agencies as well. A collection agency named " XXXX XXXX XXXX '' has filed a derogatory record against attempting to collect {$190.00}, saying my first delinquency was XXXX XXXX, 2015. This can not be correct, as I did not incur any medical expenses during that period. I have attempted to clear this with both the collections agency and credit reporting agency - yet no progress has been made, and my credit score has been severely impacted in a negative manner.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : US DEPT ED XXXX Balance {$4900.00} US DEPT ED XXXX Balance {$10000.00} US DEPT ED XXXX Balance {$4000.00} US DEPT ED XXXX Balance {$900.00} US DEPT ED XXXX Balance {$4000.00}
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  with respect to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be entirely examined. In spite of my endeavors, I presently can't seem to get any goal or remedial activity. These incorrect records are seriously harming my credit document and upsetting my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused colossal difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening as quickly as time permits. I compassionately demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contact First Credit and agreed to pay the outstanding debt of {$120.00} from XXXX, even though I disputed it, because I needed my credit bureau updated to get a loan. This debt is one of the reasons I was denied. They refused to remove it, even if I paid. Upon receiving the validation of the debt, I discovered that the last payment made was XX/XX/XXXX. Therefore, after 7 years, this debt should have been removed from my credit report. I complained to the company. They didn't respond. I filed a complaint with the XXXX XXXX XXXX and the company 's response was that the statute of limitations in Ohio was 8 years and that they were going to continue to report it because they had been trying to collect it for several years. Regardless of whether or not I have paid or not, they are obligated to remove it from my credit bureau after 7 years, even in Ohio. I verified with the Attorney General 's office that this is correct. They may be able to continue to try to collect ( I don't know I haven't looked into that ) ... but they need to remove it from my credit reports ( all three ). They are refusing and violating my rights over {$120.00} because I have ignored their collection calls for years.
Product: Credit reporting or other personal consumer reports

I have disputed this account with the Collection agency and the credit bureaus multiple times but they just keep coming back and saying that the debt has been " verified ''. No one can seem to produce the method of verification and/or the purchase agreement.