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

Global Lending Service did not furnish me with a form XXXX after the alleged debt of {$5500.00} was charged off from an auto finance account in my name. It is to my understanding that once a creditor charges off an account, that they receive a tax deduction for the charge off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge offs, which misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX Card 15 U.S.C 1681 Section 602A states that I have the right to privacy 15U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a update that my credit had changed due to some someone checking my credit resulting in multiple inquiries. These are not mine inquiries and I don't have any credit from these inquiries. Please remove these FRAUDULENT ACCOUNTS. I have reached out and mailed certified letters and proof to the listed credit reporting agencies multiple times. They have failed to provide me any PROOF or a wet signature that these transactions were mine. I have NO knowledge of any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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

World Finance Corporation is reporting a debt a charge off when the debt was sold to XXXX XXXX ( debt collection agency ) the debt was settled in full with XXXX but world finance continues to report the {$900.00} as a collection and charge off.
Product: Debt collection

Affirm Inc - XX/XX/year> It doesn't belong to me my identity has been compromised. 
Self/Southbank XXXX XXXX doesn't belong to me. My identity has been compromised due to a data breach at XXXX. 
XXXX XXXX XXXX  XX/XX/year> It's not my account compromised XXXX XXXX - XX/XX/year> It doesn't belong to my identity as been breached Chapter 7 Bankruptcy XX/XX/year> I've asked for this to be removed from the credit report it's past the deletion date, and I've requested XXXX to remove it, but I've had no help.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> XXXX did an ACH transaction from my personal checking account. XXXX will not allow consumers to close their account until the amount is settled. This is a deceptive business practice and borrowers should be able to simply close the account and be billed at a later date. XXXX has not responded to my request to have my personal checking account unlinked from their platform. I would like for XXXX to close my account, refund me the {$10.00} that they debited from my personal checking account on XX/XX/year> and no longer pull any other future ACH drafts from my checking account. Payment in full will be made to XXXX through XXXX XXXX or XXXX XXXX as soon as I get conformation that XXXX has complied and fully closed out my account, refunded me the {$10.00} and unlinked my checking account from their platform. I have contacted my bank and did a stop payment blocking XXXX from any further transactions from m y personal checking account in the future. Any further ACH debits will result in legal action against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report. 
To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met.

As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter.

Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing.
Product: Credit card

Amount {$380.00} Original XX/XX/year> Incident Reported XX/XX/year> I purchased a sofa, loveseat, & furniture protection plan ( {$380.00} ) in XXXX from XXXX XXXX XXXX XXXX. The salesman indicated this plan is good for 5 years towards any accidental damages including pen marks or sun burns. 
In XXXX sitting, my young child wrote with a pen and put a few marks on the furniture, i input a claim with the warranty company- they rejected service. I then disputed with Synchrony Financial- providing the coverage brochure I was provided. I followed up with Synchrony & was informed my claim has been closed. I've called twice since then to request any supporting documentation- I haven't received anything.
Product: Debt collection

National Credit Systems is reporting an inaccurate negative account on my credit profile despite me never legally having a contract with the company. The invalid claim was used as a scare tactic to coerce me into paying a portion of a debt owed by a former roommate after move out. The roommate was originally set a letter from this company requesting payment. The original letter was not addressed to me and did not reference me or any balance I owed. I was contacted by the company over the phone after they failed to collect money from my former roommate and was coerced into paying half the debt after being told they would take negative action on my credit profile. After discussing the situation with legal aid I contested the charge with my credit card company and informed National Credit Systems they would have to collect the money from the roommate directly as the debt was not mine. The company then reported the full balance of the debt against me and threatened legal action if I did not reverse the disputed charge so they could collect the money. After fear of further repercussion I reversed the dispute and allowed the company to keep the money charged to me. Requests to have the company remove the reports since then have been rejected despite me never originally being responsible for the full debt owed. I have disputed the claims on all three credit bureaus in hopes of having the reports officially removed from my profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent ARS ( advanced resolution services ) a request for a security freeze and a consumer credit report, i sent it a letter via certified mail usps # XXXX nearly a month after my request they have yet to comply.
Product: Checking or savings account

On XX/XX/2021 at about XXXX XXXX, i tried to use the Bank of America ATM ( on XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to deposit XXXX $ in cash. The ATM did not have any restrictions on the cash amount that could be deposited beside the restriction on the amount of bills it could accept at once - XXXX bills. I inserted XXXX of XXXX $ bills. The ATM was counting the bills as normally would do, then it stopped and asked me to input the amount of $ that i was depositing. Shortly after it gave me an error message and spited out a receipt of my " XXXX $ '' that i deposited and a message that there was an issue and i should call a number ( that was on the receipt ). I entered the Bank that the ATM belongs to, and their staff just told me to call same number. I called the number from the receipt. The first representative told me that at that time they couldn't do anything and that i should wait for 10 business days for them to investigate the case and 45 days for the case to be resolved. I told her that i could not wait since i am XXXX XXXX and in process of relocating to my next duty station in XXXX. More than that, i needed those money to complete a financial transaction in XXXX ( down-payment for a car ) that should've to be completed in less then 5 business days or i would loose the car and my deposit ( XXXX $ ). I asked the representative to transfer me to someone so we could expedite the process. I was transferred to a wrong department. I had to call again and i spoke with another representative ( XXXX ) and after i explained everything, he told me that he will send a message to the " back office " to expedite the process of crediting me the rest of the amount ( XXXX $ ) until they finish the investigation. He told me that i should have a response on the XXXX of XXXX around noon. I called today ( XXXX XXXX ) at noon as agreed, but the representative that took my call ( XXXX ) told me that there's nothing to be done but wait. I asked him to connect me with his supervisor since a REALLY NEED MY XXXX $ that their ATM stolen from me. 
His supervisor called me in about half an hour, but the phone call has not productive at all. I asked to be connected with someone who could expedite the process since i would leave US in 2 weeks, but he just said that there's nothing to be done but wait. 

I am very frustrated, feeling that Bank of America robbed me. I totally lost my confidence in this institution. 

We are talking about my XXXX $ that i need in couple of days or i will lose money!
Product: Money transfer, virtual currency, or money service

I submitted transfer document to Bank of America to transfer two IRA accounts to my primary bank ( XXXX XXXX ) This was done over 1 month ago. When the transfer did not happen I went into the XXXX XXXX branch ( XXXX ) and spoke to the manager and gave him copies of the transfer documents. This was 3 weeks ago. I was told that the transfer would take 5 days. This past Tuesday I went into the branch and spoke to the same manager who assured me he would get back to me asap. I did not hear from him and the money as of today Thursday XXXX/XXXX/2017 is still not transferred. No one at Bank of America seems to know what is going on.You may reach me at XXXX. Thank You XXXX XXXX XXXX
Product: Debt collection

Attached evidence of fraud by debt collector XXXX XXXX XXXX, debt collector creation of e-title agency, and under the control of its parent company XXXX, SELECT PORTFOLIO SERVING, XXXX BANK AND XXXX BANK inflating Principal balance increasing, rather than decreasing. assignments fraud, substitution of trustee fraud, etitle agency fraud, debt collector law firm counsels XXXX XXXX XXXX XXXX XXXX notary fraud, notary stamp fraud, DOCUMENTS prepared by debt collectors and XXXX with tutle of document control who had no knowledge what they are signing when XXXX XXXX forms are sent from debt collector law firm XXXX associates, XXXX XXXX XXXX and XXXX associate and it subsidiaries they use .PO.BOX OTHER ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter dated  XXXX   XXXX ,  2017. H ere I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Debt collection

I got a debt verification letter from customer in XXXX. 

I called them it's for aXX/XX/XXXX ( who do XXXX etc apparently ) I've never had a XX/XX/XXXX anything, I told them that and outright told them I'm disputing it. 

The lady told me to bad they will report it to the credit bureau. 

Today I get a letter saying they are going to be reporting it, nothing on my dispute. 

THEY WOULDNT EVEN TELL ME WHOXX/XX/XXXX IS. I had to XXXX it. 


I do not have a XX/XX/XXXX account I've never had a XX/XX/XXXXXXXX account. 
I have no XXXX My lXX/XX/XXXX is through my employer I have absolutely no business or XX/XX/XXXXXXXX. 


This is outright fraud and probably identity theft. 


If I see it on my credit report I will sue thay day as I've already told them.
Product: Debt collection

A XXXX XXXX Credit Card was opened in my name on XX/XX/XXXX with a {$500.00} limit without my knowledge. The card was used up and later Charged off in XX/XX/XXXX. 

I found out about this card in XX/XX/XXXX when I wanted to purchase a car to get to work. 

I contacted Capital One Bank and informed them that this was not my debt and I am a victim of ID theft. In XXXX the company responded asking me to prove I am a victim and that the debt is valid. 
Next I contacted the Credit Reporting agencies for help and they too confirmed the debt as 'valid '. 

I placed a freeze on my report and reported my compromised Identity to the FTC and my local police department and kept a close watch since. 

I submitted the paperwork to both the credit reporting companies and Capital One Bank and still they said I am responsible for the debt. 

On XX/XX/XXXX XXXX from XXXX XXXX collection/recovery said you might as well pay this debt because it is yours and we will continue to update on your credit multiple times per month until your credit is in the 400s. 

In XXXX they did just as XXXX promised and over-reported an invalid debt to XXXX. 

XXXX  and XXXX  after learning of my ID theft and Capital One failure to provide original documents required already deleted them from my report. However, XXXX  continues to report on my file without sufficient support, just their word. 

Now they seem set on destroying me financially until I pay and how much they are hurting me I would pay even if it's not my debt but now I am borrowing money just to pay my increased rent ( due to a lower score ) and I got turned down for two jobs based on my credit score. 

I really need help fixing this error on my report or I may lose my job and become displaced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account opened fraudulently in my name through MONEYLION INC. this has destroyed my life and prevented me from pursuing financial strides as a young adult. I built my credit to a XXXX to now a staggering XXXX. It is a fraudulent account opened in XXXX of last year. I have disputed multiple times both with you and with XXXX, XXXX, and identity theft.gov, and to no avail nothing has helped. I have had to go about awful interest rates financing my vehicle. I need to get this resolved to resume my adult life. I need to be able to have my credit restored and this MONEYLION nonsense Off of my credit report. Thank you.
Product: Credit reporting

Transunion had an item submitted by XXXX XXXX suppressed from reporting on my credit report until XXXX XXXX updated the information. I was not notified as to why this information was suppressed. I just happened to review my credit report and saw the information from XXXX XXXX was suppressed pending update. However, as of today, XXXX/XXXX/16, the information for XXXX XXXX was back on my credit report. If XXXX XXXX did not update the information in the specified timeframe should the tradeline be removed from my credit report?
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report from TransUnion and noticed that there are several accounts that are illegal and in violation of my rights under the FCRA these accounts are being disputed by me but are not reporting as disputed in my credit report. Furthermore there are some closed and collections account that are being re-aged to extend report period.
Product: Checking or savings account

Wednesday XX/XX/2020. I get an email regarding a possible fraudulent charge for {$77.00} on my account. I telephone the bank and explain that it wasn't a fraudulent charge and that I did place the order. Once I validate the purchase with them everything should be fine. 

Thursday XX/XX/2020. When I try logging into my account online it is locked and I can not login. I once again call customer service and wait on hold for about an hour, I have video of some of these calls. I asked why I am locked out of my account. They tell me it's because of the {$77.00} charge from the day before. I said I called yesterday and explained I was the one who made the purchase and the charge was not fraudulent. They assured me they would unlock my account after they sent me a reset my password link via email. That email never came and my account remains locked. 

Friday XX/XX/2020. I called the customer service department and waited on hold for more than an hour to speak to someone, again. After verifying all of my account details, my name, home address, phone number, email, dob, ss #, debit card number and pin, they tell me they HAVE TO call me on the phone for verification purposes. When I raise my concerns about how long I had to wait on hold, the fact I've called in three days trying to resolve this, and that I just gave them everything they need about my personal information can't they release the lock with that? They said no. They assured me they'd call me in less than 15 seconds after I hang up. So I reluctantly hung up. That call never came. 

Saturday XX/XX/2020. Same song and dance. Account is still locked and my cc keeps getting declined. I call and wait on hold 45 minutes to speak to someone. Same thing as Friday. They have to call me before they can release the lock on my account and remove the hold on my debit card. I do the same thing, provide them all of my details and then hang up and wait for their call. Only this time the cs rep says this will be the last time we try to call you to resolve this issue. Of course that call never came. 

Sunday XX/XX/2020. Same thing. Same song and dance. Account is still locked and my cc keeps getting declined. I call and wait on hold 45 minutes to speak to someone. Same thing as before, give all my info, " I have to call you back ... '' only this time the cs rep says there is another way you can help us verify your info so we can release the block on your account. You can send us documents at XXXX with a reference number : XXXX. We will need a picture of your DL, SS card, and a bill at your current address. So I send the documents. A while later I get an email from them stating they had rejected my documents. They said the pictures need to show the four corners of my documents. Ok, so I send them updated documents. 

Monday XX/XX/2020. Same thing. Same song and dance. Account is still locked and my cc keeps getting declined. So I call. 

Tuesday XX/XX/2020. My documents have all been rejected and declined again. 

Please keep in mind that in addition to the time on the phone I emailed them almost daily as well.
Product: Credit reporting or other personal consumer reports

I am writing to follow up and to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter.

I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes.

Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation, including [ list the documents attached, such as police reports, identity theft affidavits, etc. ], for your reference during the expedited investigation. 

I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.