23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$100.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$400.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$500.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX & XXXX. '' On XX/XX/XXXX {$250.00} was sent XXXX for " late fee/registration fee. '' On XX/XX/XXXX {$300.00} was sent XXXX. 

All the transaction 's happened through my USAA account through XXXX the app that has a partnership with USAA happened, to move into a room in XXXX XXXX apartments in XXXX, California to move into a apartment with a XXXX XXXX and when i sent that last transaction on XX/XX/XXXX i was supposed to move into the address XXXX XXXX XXXX, XXXX, California XXXX and he stopped responding and disappeared and that's when i realized that i got scammed.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my XXXX XXXX report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately from my XXXX XXXX report/profile -Clarity services a part of Experian ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX now ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clarity services a part of Experian.. On behalf of XXXX XXXX XXXX XXXX date XXXX XXXXClarity services a part of Experian. On behalf oXXXX XXXX XXXX XXXX XXXX  -Clarity services a part of Experian. On behalf of XXXX XXXX XXXX  -Clarity services a part of Experian. on behalf of XXXX XXXX date XXXX XXXXClarity services a part of Experian.. On behalf of XXXX XXXX.. date XXXX  15 U.S.C 1681 section 602 A. states i have the right to privacy
Product: Bank account or service

This is the third complaint I have filed against Wells Fargo. First they opened a credit card in my husband 's name and mine. We did not request this card. I also found out they attached the credit card to an account that was in my name since XXXX. This account was set up for my job. All direct deposits for pay went to this account. I also had set up this account for online bill pay. They changed the primary owner of this account to my husband so that the credit card that Wells Fargo opened ILLEGALLY, without our approval or knowledge and added it as overdraft for the the account. In XXXX XXXX, I made transfers for XXXX transactions from another checking account in my name to what I thought was my primary account to pay bills over a 35 day period. Not only did Wells Fargo transfer those monies back into the checking but they also made cash advances on the credit card and charged us for overdraft protection resulting in almost {$500.00} in cash advance fees, interest, and this overdraft protection fee. Neither my husband or I knew that my primary account had been manipulated and my identity and my husband 's were stolen by using our social security information. Now today XXXX/XXXX/XXXX, I have found my other credit card information has also been changed for the online bill pay lists placing all of my credit cards, different from my husbands and not in his name, changed to his name along with changing the account numbers for these cards. XXXX card number was not correct at all. I now have to check all of our credit card statements to make sure that the bills have been paid!!! My advice to any Wells Fargo account holder is to check everything in your accounts because they did a lot of damage not only in CA but across the US and in many different areas of your banking accounts!
Product: Debt collection

This letter is being sent to you in response to a letter that I received on XXXX XXXX XXXX XXXX. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act that your claim is disputed, and validation is requested. 
This is NOT a request for " XXXX '' or proof of my mailing address, but a request for your offices to provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide me the XXXX of XXXX XXXX. 
Explain and show me the XXXX XXXX from the original creditor. 
Provide me the XXXX XXXX from the original creditor with my signature. 
Provide me with your XXXX XXXX and XXXX XXXX. 
I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. 
If your offices are able to provide the proper documentation as requested, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. Also I'm requesting no telephone contact be made by your office to myself or place of employment. 
If your offices fail to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Some body try to rent an apartment in my name in Louisiana, I found that in a credit card charge, when I realize that I started to check my credit and to my surprise there were numerous accounts in my name .These fraudulent accounts are causing me to pay high interest an a lot of credit rejections, I need to remove these fraudulent accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 Second letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that letter.
Product: Vehicle loan or lease

They made me get a paper notorized then a 3 week later they wanted me to get another paper notorized they they asked me five times for bank statement with my bank and other documents after 4 weeks the denied me claiming I put XXXX on application instead of XXXX claiming I lied about what I make they dont understand that I have pay medical insurance XXXX XXXX XXXX XXXX dental XXXX medicine and that comes out of my social security and they dont understand that why its XXXX and XXXX so they lied have witnessed that they lied they all of a sudden refuse to refinance my car loan they need to be out of business for not real practice procedures all delayed and I was told not to pay my other car loan that Im refinance so I have to pay them soon tomorrow they XXXX me up it cost me XXXX dollars for all this paperwork and stuff I had to pay for I want back I want them out of business keep this complaint on file so others who might have problems with them they arent a good customer relations company need to be out of business
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX bankruptcies showing on my credit report ( Experian/XXXX  ) .IT stated that the XXXX bankruptcy court has reported to the credit bureau, so I reach out to the bankruptcy court and I was informed by the courts that they dont report to the credit bureaus.so I wrote/ call Experian and XXXX on several and the ONLY response I keep getting from both credit bureaus is that the information is ACCURATE and VERIFIED.I I also ask the credit bureaus several times to prove to me how the information get verified and both bureaus refused to provide that information. So my question is that if the bankruptcy court does not report to the credit bureaus they can only get the information from a third party and by law third parties are not allowed to report anything on your credit report.so Im requesting/demanding that Experian and XXXX REMOVED those XXXX bankruptcies thats showing on my credit report because they are violating the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

TransUnion continues to include the XXXX of my XXXX student loans in my credit report. They have deleted the derogatory remarks but any information re XXXX student loans should no longer be in my credit report. I defaulted on these XXXX loan back in XXXX 2007 thus it should not show up in my credit report. 

XXXX no longer shows any information on my XXXX loans. Neither does XXXX. Only TransUnion does.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. My name XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX this is the only correct information that should be on my report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
This letter concerns the XXXX XXXX account ( Account XXXX XXXX  ) which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon review of my payment history and records, I have verified that all payments were made on time. I initially disputed these inaccuracies on XX/XX/XXXX, yet the account remains incorrectly reported. 
Account Details : Account Number : XXXX High Balance : {$720.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Dispute resolved; reported by XXXX Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Current Payment Amount : {$43.00} Last Payment : XX/XX/XXXX Credit Limit : {$500.00} Two-Year Payment History : Reflects XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Legal References : 15 USC 1681i ( a ) ( 2 ) ( A ) ( i ) : States that consumer reports should not contain inaccurate information regarding transactions or experiences between the consumer and the furnisher. 
15 USC 1666 ( b ) : Requires creditors to adopt reasonable procedures ensuring timely delivery of billing statements.

15 USC 1637 ( b ) : Mandates accurate disclosure of account details in periodic statements. 
Request : I request that you : Provide a detailed description of the investigation procedures used to verify the reported late payments. 
Supply documented proof of the late payments, including specific dates, amounts, and any supporting communication. 
If no valid evidence exists, correct the account status to XXXX XXXX Agreed Never XXXX immediately. 
I expect your response within the 30-day investigation period stipulated by the FCRA. Failure to comply will be considered a violation of federal law. Attached are copies of my credit report and supporting documentation for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concerns and seek assistance in resolving an issue I am currently facing with a credit building entity known as Self Financial.

Regrettably, I have noticed a discrepancy in the credit reporting from Self Financial, where they have incorrectly reported my balance to the credit bureaus. This occurrence appears to be a violation of my consumer rights, which I believe merits serious attention. 

In an attempt to rectify the situation, I initiated communication with Self Financial, providing them with an opportunity to amend the error. Unfortunately, despite my earnest attempts, there has been no subsequent action taken to rectify this mistake. It is disconcerting to note that my legitimate concerns seem to have been overlooked, a situation that raises questions about the customer experience for other consumers utilizing their platform. 

In light of the gravity of this matter, I am keen to discuss this further with an appropriate representative who could help address and resolve this pressing issue. Please consider this a matter of urgency. 

I appreciate your prompt attention to this matter and look forward to your response at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX XXXX NUMBER:XXXX [ Account XXXX XXXX XXXX NUMBER : XXXX [ Account XXXX XXXX XXXX NUMBER : XXXX [ Account XXXX XXXXXXXX XXXX NUMBER : XXXX { Account XXXX : XXXX : NUMBER : XXXX { Account XXXX : XXXX  XXXX NUMBER : XXXX { Account XXXX : XXXX  XXXX, NUMBER : XXXX [ Account XXXX : XXXX  XXXX, NUMBER : XXXX { Account:XXXX XXXX  XXXX, NUMBER : XXXX [ Account:XXXX  XXXX XXXX, NUMBER : XXXX [ Account:XXXX XXXX XXXX, NUMBER : XXXX [ Account:XXXX XXXX XXXX NUMBER : XXXX [ Account : XXXX XXXX XXXX, NUMBER : XXXX { Account:XXXX XXXX, NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). 
Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past XXXX months. 
I expect a written response within the next XXXX  days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

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

On XXXX XXXX XXXX I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation.
Product: Student loan

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
XXXX XXXX  ACCORDING TO THE FCRA IT IS A VIOLATION. I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Credit reporting or other personal consumer reports

Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXXXXXX XXXX XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Credit reporting

I called today XX/XX/XXXX XXXX PT ... the Transunion in Pennsylvania , spoke to a representative named XXXX and i politely asked that they may remove XXXX inquiries from my credit report as i fell victim to their inquiry error ... Removing and reinserting information on a credit file is by section 611 fcra laws illegal without notification within 5 days of reinserting. There were plenty of inquiries that were recently removed XX/XX/2016 and essentially put back on immediately without my acknowledgement which in turn later just expired due to the 2yrs statute, yet there was recently another glitch error that removed and reinserted my inquiries just last week. ALSO a XXXX sheet just got mailed to me stating i applied for some loan with them under Transunion 's reporting, although not showing on my report as of today, i do n't recall ever associating with them at all. I have the sheet attatched. Dont tell me to contact creditors because i 'm not portraying all these to be unauthorized, but this is a error on TU end. Company courtesy, I need these current inquiries off immediately and permanently this time. Inquiries : Screening Pros XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was a charge off. last payment was XXXX went into charge off in XXXX XXXX since then, the account has been repeatedly updated as charge off ever month. for 49 months. When it should only have been once. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. my rights. this was a voluntary surrender of car in XXXX XXXX and you didn't close account till XXXX XXXX when it should of been closed in XX/XX/2018. 

XXXX XXXX account # XXXX last XXXX ss # XXXX XXXX address - XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau Case # XXXX