23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bank denied my claim for suspicion. I put in 3 claims because a total of 15items could be attached to 1 claim. All 3 claims were denied and this was truly unfair. The bank did not direct me to CFPB, I found this resource on my own. If I would had this information to file a complaint, I would of done it in XXXX. Santander Bank Associate instructed me to call the Federal Bureau of Banks, which I had no success. 

During the time of the transactions, I was at work. Those transactions were made on the opposite end of the city, nowhere close to me. Totaling XXXX.
Product: Mortgage

My sister I have received over 300+ calls from multiple different lending companies in the past 36 hours. all because I checked with penny mac about refinancing my house for renovation purposes. My sister is not mentioned in my finances anywhere. these actions are harassing, unwanted, and seemingly preparatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out a dispute letter to Experian about my account with XXXX XXXX. They sent me an email on XX/XX/XXXX, they sent me an email explaining the dispute process and etc. Today, XX/XX/XXXX, they come back with they investigated and found the information they are reporting is inaccurate. The account does not have the original date of delinquency as I asked them to report. XXXX and XXXX are reporting the account correct but Experian has a totally different information then the other two bureau. This is not accurate reporting. I talked to XXXX XXXX at XXXX XXXX and she told me that they told the bureau to close the account but did not say anything about re-aging the account. This account was first delinquency in XXXX now my report is say XXXX. This is accurate and I want it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX.D.O.B. XX/XX/XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXXPhone number : XXXXEmail : XXXX XXXX XXXX ACC : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX ACC # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XXXX  XXXX. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX years old. I no longer have debt, make no payments, do not have any credit cards. I use only one debit card. I own my 2 homes, 2 cars, furniture and appliances. 

I want to make some minor home improvements. XXXX XXXX was asked by my contractor to open a loan for me to do the work. 

XXXX contacted XXXX for a credit score. XXXX said they have no file on me. 

XXXX denied the loan request. 

I can easily prove I have been a responsible debt payer ( utilities, healthcare, taxes etc ) for about 60 years. And previous had mortgage and car payments as well as 5 credit cards. 

I want XXXX to issue a Credit Score for me.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run XXXX times over XXXX consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive XXXX hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than XXXX times the amount - the manager tried to XXXX me into agreeing to this amount and when I did not he without my authorization ran my credit XXXX more times after I stated I needed to purchase a home soon and did not want it ran more than the XXXX time I agreed to. I am now struggling to get my credit up to purchase a home. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 my credit report was released to XXXX different companies without my written consent and are reporting as a hard inquiry on my credit report. 
companies include : XXXX XXXX XXXX XXXX Credco XXXX XXXX XXXX
Product: Mortgage

On XX/XX/20 I requested to begin the process to remove the PMI on our mortgage with Wells Fargo. We paid Wells Fargo to commission a third party to complete a BPO. That BPO was sent to me on XX/XX/20. On XX/XX/20 I inquired with Wells Fargo about the next step. They let me know I would have an answer within 14 business days. On XX/XX/20 I sent an inquiry and called them since I hadn't heard anything. they assured me I would get a call back on XX/XX/20. On XX/XX/20 a rep called me and said they had no update but should within 10 days. Basically they are ignoring the request and I will probably have to pay an additional month of PMI.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and the accounts and inquiries listed below are not authorized by me. As stipulated under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove information resulting from identity theft upon request. 
Fraudulent 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 XXXXXX/XX/XXXX
Product: Checking or savings account

There were over 30 transactions on my debit card over the course of 6 weeks totaling over XXXX. The same morning I noticed I submitted a fraud request. All of the charges consisted of wawa, XXXX and royal farms charges. All of which I am not a frequent user of. Additionally, there were charges across three states. ( Including days where I used XXXX XXXX local to where I live ). Its concerning the bank did not find this suspicious and even more so in the investigation of fraud, this did not raise a red flag. On navy federal website, it states that fraud needs to be claimed within 60 days, which it was. When I was on the phone with a supervisor yesterday she said she likely suspected it was declined due to the length in which charges occurred. I told her their policy on the website and she was not very helpful. In addition, the claim was denied within 24 hours of the report. I called and they could not tell me reason for denial other than their suspicion or the steps involved in the investigation.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT!!!! 


XXXX XXXXXXXX XXXX is internationally ignoring my request. Legally thats considered willfully ignoring and in compliance to fair credit reporting. 

I simply asked for the details of the allege purchases that were made on the account that was not paid. Please provide charges made along with the dates and company that process those charges information/name and location. 

Ive filed XXXX complaints and none of them prove their were charges made to the account that was unpaid. XXXX XXXX is begging to mark my complaints as duplicates and willfully ignore my request. I will continue to file complaints building my case against XXXX XXXX XXXX XXXX and Equifax who has wrongfully inflicted damages on my financial records. Allowing the reporting of this information knowing the willful disregard is also punishable with compensation of damages. There has never been any information about the alleged charges provided in any response. 

XXXX XXXX is a scam and theyre refusing to give this information because there were no charges made to the account when it was active
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

POSSIBLEFINA has violated my consumer rights clearly outlined in 15 USC 1681.

As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( 4 ). 

Account in question : POSSIBLE FINANCE- XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. 

Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out a billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my social security number for financial gain and personal use to commit fraud and attempted to open up accounts in my name, I will enclose a copy of my identity theft report along with the letters I have sent the Bureau as proof for them to investigate this matter.
Product: Money transfer, virtual currency, or money service

I had made a express transfer of {$1500.00} through western Union which is advertised as XXXX hours server but the amount has not been credited yet. After calling a couple of time representative confirmed the transaction has been canceled without any reason and you will get your money back in 2-3 weeks. I am going through hard time due to delay hence requesting your help to avoid such issue in future and compensate for losses that has happened to this delay. 

Your tracking number XXXX XXXX  ) isXXXX  Date of transactions : XX/XX/2022 XXXX ET. 
Date available in Final Receiver 's Country : XX/XX/2022 Delivery Method : Final Receiver 's bank account Card Number : XXXX Transfer Amount : XXXX USD Transfer Fees : + XXXX USD
Product: Debt collection

This is NOT even for me. It is something apparently in my husband 's name. He would NOT identify himself and what company. I had to look up the number. I refused to give him any info and I was then threatened numerous times including showing up at my home and my place of business as well as my husband 's employer. I told them they had no right to harass me and he continued. It is against the law for him NOT to identify himself and threaten me. The only solution is to pay for the phone call and for threatening me. I will not accept ANY less. I told him to stop and he continued to threaten and NEVER identified where he was calling from. Nasty, nasty man in violation of federal law
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion and XXXX credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Product: Credit reporting or other personal consumer reports

I have inquiries on my report that I do not recognize and demand for them to be deleted IMMEDIATELY. the inquiries should not be furnished on my consumer report as they are in violation!!!!! 
Per 15 US code 1681 b permissible purpose of consumer reports ( a ) IN GENERAL subject subsection ( c ) 2 any consumer reporting agency May furnish a consumer report under 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 protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent XXXX rounds of letters to dispute my account and nothing has happened. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 
You and your inaccurate reporting have damaged my livelihood.

15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies : a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; Exact Prohibition : a law or regulation forbidding something As define by the IRS- Even if you didnt receive a form 1099-C you must report canceled debt as gross income on your tax return. 
Account # XXXX balance of $ XXXX XXXX XXXX XXXX Rewards This is a charge off and I demand a form 1099c for tax purposes!
Product: Student loan

Contacted Navient on XXXX loans that has a co-signer, I have been trying to pay them on my own because I am the borrower, the payments are too high they will not work with me and I have exhausted my forbearances ... .I do n't want to involve my co-signer because of a separation and the threat of being sued by the co-signer ... so I have tried to pay them on my own but the payments have increased and my pay has decreased ... .please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX and I have never had a XXXX card. I have repeatedly disputed this account and XXXX keeps " verifying '' it. Additionally, XXXX is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on 1

5 US Code 1681c-2, a consumer reporting agency can 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 no later than 4 business days after dispute receipt.

Per 15 US Code 1681b ( a ) ( 2 ) -permissible purpose, I never gave written permission to any reporting agency to report anything on my consumer report. This violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am requesting the deletion of the following and attached accounts immediately.

15 USC 1681 Section 604-states rights to consumers privacy Reporting agencies can not furnish an account without my written consent!
Product: Debt collection

On  XXXX   XXXX , I contact AR Resources  ( Add ress :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , PA  XXXX  Phone : (  XXXX  )  XXXX  ) to request documentation regarding  XXXX  charges they posted to  XXXX ,  XXXX , and  XXXX . I did, however, provide the  XXXX  account numbers appearing my credit report, and the agent stopped me after the  XXXX  digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names.     I also informed them that the debt was covered under a  Letter of Protection accepted by the original creditor, and I am in constant communication with  my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me.     Additionally, health insurance was provided at my initial visit to the actual creditor :  XXXX   XXXX   XXXX  and  XXXX  (  XXXX  ). Neither  XXXX , or AR  Resources  attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in  XXXX , but they are falsely indicating that the account open date is  XXXX / XXXX / XXXX .
Product: Credit reporting or other personal consumer reports

Account with united auto credit was closed & charged off! On XXXX account says closed but passed due for the amount of {$3500.00} but on XXXX is reported as closed & charged off in the amount of {$4700.00} both with same dates of XX/XX/year> but different amounts
Product: Credit reporting or other personal consumer reports

Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have " ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) '' also shown on my ID for proof There should only be one address listed on my report. I've enclosed documentation providing proof of current address to make deletion easier. Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled " ( XXXX XXXX ) '' my name only has one correct spelling My photo ID is enclosed to show the correct spelling. 

Name XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  These agencies have made unauthorized inquiries into my credit and my background information.They do not have and have never had my consent to research my credit report. They do not have and have never had my consent to research my background.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTC and the police.
Product: Debt collection

XXXX XXXX XXXX still continues to violate my rights by refusing to remove their entry from my consumer file. I do not have an obligation to pay this debt and will not be doing any negotiations or calling to contract with you. You have no business contacting me without prior authorization from the courts. Furthermore you are committing securities fraud by trying to extort me for money knowing the contract that you hold is actually the security being traded hence why it sold to you. You have no authority to collect this debt because you are not apart of the companys bylaws or incorporation.