23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This lender is reporting a fraudulent account to my credit profile. I have reached out to the company for removal of the fraudulent auto loan account and nothing has been done to resolve this issue. I have reached out for over 150 days. The account does not belong to me and is inaccurate. Please have this company remove the account completely from my personal credit report. By law my credit report must be accurate at all times or the information that is deemed to be fraudulent needs to be permanently removed from the report on all my credit reports. Failure to remove the account to will result in me taking legal action lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute a dismissed and discharge bankruptcy with TransUnion. TransUnion say that they verified these 2 bankruptcy with XXXX Bankruptcy Court of Florida using my full social security number. This is not true because XXXX Bankruptcy Court do not release no info to credit bureaus or third parties ( attached is a letter from the courts saying so ). TransUnion is in violation of the Fair Credit Reporting Act. Attached is a copy of TransUnion Investigation Procedure they send to me. They clearly is not obeying they own rules and the rule of the FCRA
Product: Debt collection

A few of years ago in XXXX or XXXX I took a {$300.00} payday loan online. I then fell on hard times and couldn't pay it back. My payday loan was then turned over to collections and picked up by Thrash and Thrash PLLC. I have been paying them {$85.00} a month for the past year totaling over {$1000.00}. Even during the pandemic when I lost my job, I still tried my best to make a payment and I called and spoke with personally if I couldn't. Then on XX/XX/XXXX I get a letter from them offering me a " settlement. '' Again, the initial debt was from a third party and was {$300.00} in entirety. Thrash and thrash sent me a letter offering to settle my account for {$2600.00}. They claim the full amount is {$3300.00}. If I don't pay this amount they will continue to compound the interest again and again preventing my from ever been able to pay it off. Also, if I stop paying, they will threaten to garnish my wages and add derogatory remarks on my credit even though I've already paid them over {$1000.00} when my initial debt was on $ XXXX.I need help. My car didn't even cost {$2600.00}. I can't afford to continue paying them all of this money when the debt should have been settled at this point. This business is literally robbing American people. It is also a gross misuse of power and disgusting to ask someone to pay so much for a {$300.00} debt during a pandemic or at all. Everyone is struggling but they literally do not care and must be stopped.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a checking account at Union Bank  in XXXX XXXX California. I deposited. a check the following week. A week after that I went in to get money as was told they would not release the funds for XXXX  days. I don't remember XXXX XXXX telling me that it was bank policy of the bank to hold a check for a month, I checked all of the collateral that she gave me and there is nothing there stating the monthly hold. In fact they say they take about a week to turn around checks.The manger XXXX XXXX would not help me with my pin or even listen to me. I swore at him and he called the police. I was told that if I entered the bank I would be arrested for trespassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report false information about me causing me a complete loss of income. Theyre reporting false information of another person 's record thats not even me I repeatedly sent documents for them to correct and they're refusing to correct errors and ignoring state federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my consent for them to report late payments to any credit bureau for credit reporting. It is also a breach of my privacy.
Product: Prepaid card

I had XXXX  balance of {$25.00} and a prepaid card from XXXX of {$50.00}. I was attemtping to buy something above the price of the prepaid card and XXXX wasn't allowing me to split the payment between my balance and the prepaid card the only way I could afford it so I transferred {$25.00} from my XXXX balance to the Prepaid Card. It ended up being {$24.00} to the prepaid card after XXXX transfer fees. On XXXX it shows the same amount as a purchase and it was deducted from my account and also from my XXXX  account. Both companies are pointing the fingers at each other and not understanding the situation. I filed a dispute with XXXX and it was denied they told me the money was sent I filed a dispute with XXXX and they told me it takes up to 90 days and I'm sorry I'm not waiting that long. I lived on a fixed income and {$50.00} nearly that I've lost is a lot of money to me. I don't know who's fault it is its just pointing fingers on my XXXX  account it shows the money transfer from the XXXX balance to the mastercard prepaid but on the XXXX website it shows a purchase from XXXX. This has to be some sort of major XXXX up or potential fraud on their behalf. If the card isn't loadable it shouldn't allow you to attempt to load it and outright deny it. But instead of that it deducted the money from both ends. The companies of course are playing XXXX not understanding what I'm explaining with no help at all.
Product: Checking or savings account

On XX/XX/2023 I completed an online registration for a new savings account with Citibank in response to an offer for XXXX points. The following day I mailed a check for {$12000.00} for DEPOSIT ONLY to the new account number ( XXXX ). 
Then I left for XXXX for a XXXX week stay. 
XXXX weeks later I received a voice mail from an investigator for Citibank who directed me to Citibank Fraud, who informed me that Citibank could not do business with me, my account had been closed and they were not allowed to tell me why any remaining funds would be returned within XXXX to XXXX  days. 
On XX/XX/2023 I sent a letter to Citibank Client Services requesting an explanation. I have never received a response.

I have never received correspondence regarding this account other than a welcoming letter confirming receipt of my deposit and an ATM card, which I destroyed as directed by the Fraud Department.

I have spent hours attempting to contact someone from Citi only to be frustrated by their voicemail system that requires either an Account Number or my SSN. I have tried both only to be told that they could not find either and that in order to serve me better, I had to provide XXXX or the other. 
Citi sent me a 1099 INT which I assume is for this savings account as I have no other interest-bearing account with them. There is a number at the bottom of the report for questions '' but that number also requires an Account or SSN to serve me better.

Bottom line : I dont have access to my money, and Citi has made it impossible to contact them.
Product: Credit reporting or other personal consumer reports

am writing to inform you that I am a victim of a data breach, and as such, I am requesting the blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. These accounts and inquiries were not authorized by me and resulted from identity theft or the data breach. 
Please take immediate action to block and delete the following accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card or prepaid card

i applied for a penfed credit card..application # XXXX. XXXX hard report pulled fica XXXX penfed requested 2 yrs tax returns for approval. i was not advised of this requirement prior to my application.. i called and requested to cancel my application and remove the hard pull from my XXXX file as it was an errow for their failure to advise me of their policies..i should have been advised of this prior to checking my credit..thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i received my credit report on XX/XX/2023 and notice there were hard inquires that don't have permissible purpose to be on there these hard inquires are hurting me for getting approved. 
i already reached out to the credit bureaus about this they keep violating my rights under 15usc1681b these hard inquires that don't have no purpose to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address on my Experian credit report that I pay extra to have monitored is wrong XXXX XXXX XXXX XXXX XXXX mo I HAVE never lived there why is this on here? What else is wrong on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed my requests at removal, made mochery of my credit report, and added things to my statement that I did not authorize, most recently on XXXX without my consent, authorization or permission. 

They also won't remove the following information in the enclosed attachments.
Product: Credit reporting

On XXXX/XXXX/XX/XX/XXXX & XX/XX/XXXX XXXX ( XXXX XXXX XXXX made an inquiry of my credit file with Transunion without my concent
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously stated before I am a victim of identity theft, I did submit this complaint myself from my computer. I am not a lawyer or a credit fix it person
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card or prepaid card

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible
Product: Debt collection

Company did not notify me of purchases made on credit card. I recently noticed this account as charged off when checking my credit report. If notiifed I would have disputed the charges. The original charges were in 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm completely stressed out from false information that continues to be reported to my credit report by Equifax, XXXX, and XXXX! There was absolutely nothing done or changed from my dispute that I sent to all three of them on XX/XX/2021! I did NOT receive any results from any investigation and that is a FCRA violation!
Product: Debt collection

Debt recovery solutions {$780.00} Account # XXXX Dated XXXX  which is also inaccurate This collection account is reporting inaccurate Ive sent a validation letter to third party creditor in XXXX and it was deleted now back on my credit as a collection and open account. Ive called the creditor and were unexpectedly hung up on after again asking for validation. A collection is by default a closed account.
Product: Credit card or prepaid card

My name is XXXX XXXX My social security number is XXXX and my capital one card XXXX date of birth XXXX address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX My credit limit supposed to be higher then XXXX and spoken to capital one about a emergency credit line increase and it supposed to be approved the emergency was that my car needs repairs My complaint is that capital one credit is not helping customers when their an emergency Thy promise that even if you have XXXX credit the card will let you go over the limit And also capital one promise to extend more credit to new customers and existing ones but they didn't keep that promise
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 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of listed accounts here XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable, and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On my credit report from Funding Suite , File # XXXX dated XX/XX/year> : On page 2 of the report : Creditor : XXXX XXXX  XXXX reported XX/XX/year>, Balance XXXX, payment {$280.00}, Experian reported the wrong account number XXXX ( missing numbers ). 
XXXX and XXXX reported the same creditor on XX/XX/year>, same balance, same payment information with the first 12 numbers of the account XXXX. Experian reported the last numbers XXXX duplicated the report with the missing account numbers. This affects my credit report with an additional monthly payment of {$280.00}, should only be only one payment of {$280.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and several collections account opened at XXXX on XX/XX/XXXX with a balance of $ ( {$4800.00} ), Spring on XX/XX/XXXX with a balance of ( {$3300.00} ), The bank of Missouri on XX/XX/XXXX with a balance of ( {$1200.00} ), XXXX XXXX XXXX with a balance of ( {$3300.00} ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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. 

Fraudulent Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX