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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that appear in my credit report. I did not authorize these inquiries and they are the result of a database and identity theft. I respectfully request that these inquiries be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

i recived notice from XXXX that my account was comprimised and that a transation was made and that they froze it and took care of, however looking at my bank statement on my debit card i noticed that the transation had cleared and that i never got refund, i notified XXXX and was told it was the frade transation and it would be removed, a week later it's still there and is showing as cleared, XXXX refused to refund, i sent several emails to XXXX XXXX and XXXX and never get a reply back and there refuse to take care of it even though on a record line they said it was the frade charge, i have proof the transation cleared and proof i never got a refund for it. 

The bank said only way to dispute this is to close the card and mail me a new card but i work in the feild traveling for work so i can nto go without a card so i have no choise but to either take the loss or have XXXX refund, XXXX is refuseing to refund. That charge amount is abnout XXXX and cleared on the XX/XX/XXXX and was charged on the XX/XX/XXXX. there is also XXXX orders in my account for this amount or dates. 

i want my money back ASAP.
Product: Credit reporting or other personal consumer reports

Regional Acceptance corporation continues to report on my credit report pass the XXXX year statue of limitation.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

It seems that once again my credit file has been compromised. Upon reviewing my records, I've discovered numerous entries that aren't mine. Given my attention to detail, I've learned that according to section 605b of the FCRA, it's mandated by law to eliminate any fraudulent items resulting from identity theft. The disputed items clearly do not pertain to me. I've enclosed the necessary FTC Report for your reference, along with the bank 's records. Kindly proceed with removing these erroneous entries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion was supposed to remove an inquiry from my credit report. I provided proof that the inquiry should not be there. 
XXXX told me I had to tell TransUnion to remove it. The card was on due to fraud and closed due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened a fraudulent account. credit agency is reporting it on my credit.
Product: Credit reporting or other personal consumer reports

Delete all accounts and all account information  3. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. - XXXX XXXX XXXX  delete this hard inquiry I did not authorize or accept any offer - XXXX XXXX delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX  delete immediately XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - delete XXXX. Delete and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX  delete t 6. Delete and remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX. XXXX XXXX XXXX XXXX  delete account immediately XXXX XXXX XXXX XXXX - delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX XXXX XXXX XXXXXXXX delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX. XXXX XXXX XXXX - delete account immediately - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - XXXX XXXX XXXX XXXX - delete account immediately - - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - delete
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX  account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so
Product: Prepaid card

My XXXX XXXX XXXX XXXX a division of Webster Bank, N.A., Member FDIC, is asking for me to repay {$500.00} I used to purchase glasses at XXXX. I purchased the prescription glasses on XX/XX/XXXX. This is within the time frame ( through XX/XX/XXXX ) allowed by my employer to complete yearly charges for my FSA. I was sent a receipt request on XX/XX/XXXX, almost two months AFTER my purchase AND three weeks after the allowed purchase date, asking for a receipt. I uploaded the receipt on XX/XX/XXXX. They are now asking for repayment. The receipt clearly shows the purchase was made within the allotted time.
Product: Checking or savings account

capital one still has not released my direct deposit into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX 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 4 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting or other personal consumer reports

Upon getting denied housing, I reviewed my credit. There are old accounts that have reappeared from several years passed that should be off due to settlement payments.There is also credit history that is not mine.My credit data was breached and all files need to be removed!
Product: Bank account or service

Hello, My Mother and Father had a safe deposit box in both names they have both passed away mom in XXXX and dad in XXXX XXXX. This safe deposit box has unclaimed property in it and has been drilled emptied and is being held by the Bank ( First Tennessee ) I and my brother would like to enter the box and search solely for a Will or important papers for either parent. I and my brother should being the rightful heirs be allowed to search for a will we do not want to remove any property at this time but there could be a will or important papers in this box. I would like to access the contents under TCA 45-2-905 subsection ( c ) ( 2 ) which says " also provides that if there is no order of the court, the following individuals can get access for the sole purpose of searching for a will, burial instructions or life insurance policies.1 Spouse of decedent 2 Parent of decedent 3 Adult sibling of decedent " me '' These individuals can get access to these safe deposit boxes but only with bank personal present both bank official and individual who gets access to the box must record a written inventory all items found in the safety deposit box. 
I am willing to follow these rules and have given notice to the bank and provided all paper work why on earth would they deny my entry under these rules handed down. I just do n't see how that can be legal for them to deny me to view the contents for a will. I am looking solely for a will or instruction left by my parents on their last wishes and I am getting a little mad about the block being put on. 
Can you give me one reasonable explanation why they will not let me look for a will escorted by a bank official without a court order? Put yourself in my and my brothers shoes we are at a lose on why someone would not let us if we follow these rules. It would be the morally right thing to do would you not think???? Please advice me on my next steps to gain access. The box has been drilled and contents being held. I can and will get a court order if you can not help but an explanation to why would help my mental state of mind on this. The bank is First Tennessee on XXXX XXXX TN. If you are not who I need to talk too maybe you can forward this to someone that can help us. Thanks Since this email was sent I have hired a lawyer and I will get a court order I just want an answer as to why we are being denied access. Any help we can get would be great lawyers are sometimes slow I was told to get help here by the unclaimed property department in my state. I am very upset and struggling with this greatly?
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.C 1681b - permissible purposes 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 written instruction of the consumer to whom it relates. 

I never gave Transunion Consumer Solutions any written consent to report anything on my credit report. NO CONSENT IS IDENTITY THEFT. 

On the date of XX/XX/2022 I sent Transunion Consumer Solutions a Affidavit because I discovered multiple errors and incongruencies after review of the consumer credit report. I required that they supply me with sufficient information validating and verifying all accounts on the credit report otherwise they are required to delete all accounts on the credit report. They have never supply me with sufficient information and they continued to report negative and defaming information. I do not agree with their actions. They were given 30 days and after no response I sent an Opportunity to Cure on XX/XX/2022. In which they were given another XXXX where I required they delete all accounts on the credit report and a XXXX score reflecting my open credit. I did not receive a response after and the Notice of default went out on XX/XX/2022 in which they were given another 10 days. Transunion Consumer Solutions is in complete violation to the Fair Credit Reporting Acts and it is causing me great stress because due to XXXX it has been hard on my family and me with getting denied credit due to the incongruencies on the report. 

There non-response means they do not have anything on file to validate and verify the any and all of the accounts on the credit report and they can not provide a certificate of financial statement signed under penalty of perjury from any alleged creditor that there is a debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I attempted to transfer one thousand dollars ( {$1000.00} ) from XXXX XXXX through Zella, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, Zella, XXXX XXXX XXXX and XXXX XXXX ). My visit to XXXX XXXX XXXX, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that XXXX XXXX was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.
Product: Debt collection

Client Services failed to validate and prove that they indeed is the client who is legally allowed to collect on this debt. I have been in contact with the origional creditor and is currently working with them. Client Services only sent a computer generated letter which is NOT validation ... If my offer is refused, until you can properly validate this account, you are ordered to cease and desist all collection activity.
Product: Debt collection

To whom it may concern, THE TERMS YOU AND YOUR REFER TO CENTRAL PORTFOLIO CONTROL. 

This document revokes all options for remedy requested prior to the date of the notarizing of this document. 

Attached are the communications, violations, and exhibits for evidential proof. 


BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. 

This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, We regret to inform you that our company is no longer handling the account referenced below, please call the highlighted number below or the original creditor listed above to obtain further details about your account. I acknowledge your admission of handling the account ( s ). Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. Neither the damages caused nor the request for remedy, for your willful injurious act ( s ) were addressed. Yet, youre admitting to your handling of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ACCOUNT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Vehicle loan or lease

In XXXX we returned our leased vehicle to the dealer as instructed. This was during the beginning of the pandemic. We were told we would be contacted by the leasing company regarding next steps. Several months passed and we did not hear anything. Finally sometime around XXXX/XXXX we were contacted about the vehicle 's inspection, completed the required forms, and were told we would receive the final end of lease terms and payment information in a separate communication. Again months passed by and we heard nothing. We eventually received a call from the lease company 's debt collection service that our final payment of approximately {$850.00} dollars was passed due. We explained that we never received any type of written or verbal communication regarding the final payment. We were told that the company had the wrong address on file ( we did move during the time of the lease ), but that we had nothing to fear as long as we paid the final bill, which we did. This completed our obligation for the lease. Unfortunately the payment was recorded as 30 days late and is now reeking havoc with our credit. Given that the pandemic caused all types of delays and that there was never any formal written communication regarding our end of lease payment we felt it wasn't fair to have our credit dinged with a late notice. We appealed to the leasing company ( see attached ) but they have been reluctant to work with us. I'm hoping this can be rectified. We have paid the lease in full and just want our credit restored by having the delinquency note removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

NOTICE OF COMPLAINT To : Transunion Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX Take due notice that this letter is a formal written complaint is a demand for the following items on my credit report to be Removed immediately as they are in violation of 15 U.S.C 1681 ( b ), whereas the following unauthorized inquires are indeed inaccurate and did not obtain my oral or written permission to report such unauthorized inquires and has done so by way of FRAUD! Each unauthorize inquiry calculates up to {$1000.00}.

15 U.S.C 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

UNAUTHORIZED INQUIRES CREDITOR DATE FEES XXXX  XXXX XX/XX/2022 {$1000.00} XXXX  XXXX XX/XX/2022 {$1000.00XXXX XXXX XXXX XXXX XX/XX/2022 {$1000.00} XXXX XXXX XXXX XX/XX/2022 {$1000.00} XXXX  XXXX XX/XX/2022 {$1000.00} Total {$5000.00} In result of these unauthorized inquires, complainant shall be entitled to the calculation of {$5000.00} in remedy for fraudulent reporting of each inquiry on said credit report as it has caused an effect to my credit score.
Product: Debt collection

I 've contacted the company on several occasions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.
Product: Vehicle loan or lease

The vehicle was repoed and sold the remaining balance was part of XXXX  that has been paid in full.