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

I did not consent to, authorize nor benefit from the following accounts or inquiries. Block and remove them. 
( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX # XXXX ( XXXX. ) XXXX  # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) ODE XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXXU XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX XXXX. 

Accuracy and fairness of credit reporting ( 1 ) 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. 
EQUIFAX IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INNACCURATE INFORMATION IN MY CREDIT FILE. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
EQUIFAX IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIHGT TO PRIVACY AS THE CONSUMER. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
EQUIFAX HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
EQUIFAX WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY. I called in to demand that fraudulent accounts be removed from my credit file. EQUIFAX has not complied. I also provided them with FTC # XXXX
Product: Money transfer, virtual currency, or money service

On this date, XX/XX/17, I called the XXXX branch of US Bank in Oregon ( XXXX ) and spoke with XXXX. An individual is planning to purchase a farm implement from us for a sizable sum of money. He was planning to pay in cash, which would generally be our preference, but in trying to avoid potentially accepting counterfeit currency, I asked that this individual purchase a Cashier Check at U.S. Bank, send me a picture of the check in advance and I would then look up this bank branch 's phone number so I could call and verify that the bank did indeed issue the check on this date so I could feel comfortable that I would be avoiding accepting a potentially fraudulent check. XXXX at U.S. Bank refused to assist me. She said they no longer verify checks over the phone for customer privacy issues. I asked how I was to protect myself and she said bring the check in. I told her the gentlemen is n't going to give me the check without my releasing the farm implement, in addition to the fact that I work and he lives over an hour away ; we ca n't complete the transaction during banking hours. In checking internet sources, my calling is supposedly a way in which I should be able to verify the authenticity of the Cashier 's Check and protect myself. In fact, calling was recommended on more than one site! I told XXXX I have a picture of the check with the check number and that I just needed to verify the check number and amount of the check. Again, she refused to help. This feels very frustrating that this large bank refuses to simply verbally confirm the issuance of a check so that I can feel confident that the check is not forged or counterfeit. In this era of rampant fraud and deception, it just seems like a bank should be able to simply confirm if they issued a check, payable to me, based on details such as the amount and the check number which I can provide them. I do n't understand how that would be invading anyone 's privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported Supplemental Public Records and Residential Information as well as Supplemental Consumer Credit Information to XXXX XXXX XXXX on XX/XX/2020. I have no account and no current or recent dealings with that company and I want to know why they are asking for and being given this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX ssn. 
XX/XX/XXXX, 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 inquiries that appears related to the aforementioned. I've attached a list of the hard inquiries in question as well as a copy of the consumer I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned 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 hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, accounts XXXX, have 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 an 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 want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. 
This is ALL because of the COVID-19. I also could not close a home for my family due to this situation. I am really depressed
Product: Debt collection

In XX/XX/XXXX we paid this account. At that time we were repeatedly assured by the agent collecting the debt that paying it would 'help '' our credit scores and that they would remove the account from our credit in XX/XX/XXXX. They said in XX/XX/XXXX it would report a {$XXXX} balance, which it has done. We did have to note that updating the account resulted in a decreased credit score, not " helping '' as promised. We also have not yet seen it deleted from our credit, as promised. They have clearly violated our rights according to the FCRA and FDCPA by misrepresenting their intentions. HELP US PLEASE
Product: Debt collection

XXXX XXXX and XXXX lists the status of the item for NMAC in three ways : charged off, written off, and past due. This is inaccurate and should be removed from my credit reports immediately. An account cant be listed as past due and charged off and written off. Please help me resolve this issue.
Product: Debt collection

IQ Data International Inc. has called repeatedly at all hours without leaving any voicemail or any information about the reason for multiple calls. I just received a letter from their representative XXXX XXXX threatening further action when no previous demand had been made of any supposed debt.
Product: Credit reporting or other personal consumer reports

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit Report if they can not be supported by evidence
Product: Checking or savings account

Saturday XX/XX/2022 I deposited a check from XXXX retirement for {$2300.00} and none of it was made available same day nor was it available the following business day XX/XX/XXXX. I spoke with a few people whose names I don't recall. I spoke with two agents on Saturday XX/XX/XXXX by phone at around XXXX then I spoke to someone named XXXX on Bank of America 's chat help via XXXX.The phone agents first advised me the money would be available the following business day then I asked about the timframe that I got from the automated system when I called in which informed me the money would be available on XX/XX/XXXX. The agent then confirmed that was correct. So it seems Bank of America doesn't have a clear timeline and is holding my money unnecessarily for an excessive amount of time when I have things that have to be paid now! The check is from my retirement funds so obviously it's needed now! Withholding my funds has caused my bank account to go negative and I have XXXX money for anything else.As of this morning Bank of America 's virtual assistant shows the funds will be available on XX/XX/XXXX. If I had taken the check to XXXX to cash it I would have had the money in my hands the same day. This is a ridiculous process and a complete abuse of power by banks. 

Make my money available yesterday! and waive any overdraft that occurred due to this excessive hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ove the last 60 days multiple unauthorized auto finance inquires present on my consumer reports from unknown creditors. 
In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX Auto Financial XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the  ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX  XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : SXXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX  XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Ally Financial XX/XX/XXXX
Product: Mortgage

" WELLS FARGO '' REFINANCE ON MY SECOND HOME. AFTER 4 MONTHS OF AGGRAVATION AND NO GOOD REASON TO MOVE ALONG QUICKLY. THEY HAVE CHANGED AND MANIPULATED MY CLOSING COSTS. I WAS CLEAR FROM THE BEGINNING. I WAS NOT GOING TO PAY ANYTHING OUT OF POCKET. I WAS ASSURED THAT I WOULD HAVE TO ONLY PAY A APPRAISAL FEE. I DID PAY THAT FEE. 
THE DISCLOSURES AND THE CLOSING DOC ALL HAVE DIFFERENT CLOSING COSTS, THAT I WAS TOLD TO IGNORE. NOW AT THE TIME OF CLOSING THEY ARE LOOKING FOR MORE THAN {$4000.00}, THE LOAN AMOUNT HAS DECREASED AS WAS THE INTEREST RATE. 
MOREOVER THEY SEND OUT DOCS ON XX/XX/19 AT XXXX ON THE SAME DAY THEY WANT THEM REVIEWED AND BACK OR ELSE! 
SEE ATTACHED DOCS AND EMAIL
Product: Credit reporting or other personal consumer reports

In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX XXXXXXXX XXXX - Incorrect XXXX XXXX - Incorrect XXXX, XXXXXXXX XXXX - Incorrect
Product: Credit reporting

I contacted Experian in reference to some fraud activity in my credit file. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is an address of XXXX PA XXXX which I have never been associated with. Seondly the credit accounts have been removed. As I stated and provided proof I was incarcerated until XX/XX/2016. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below and the address mentioned above. 

XXXX XXXX Bank Date:XX/XX/2016 XXXX Date:XX/XX/2016 XXXX Bank XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Product: Debt collection

I have signed up with XXXX due to seeing many people advertising the product and so I've ordered the kit and tried it out, of course assuming that it will fix my teeth how it was advertised. Two months past and I haven't seen any progress with using the XXXX XXXX, yet to mention, the aligners assigned to my teeth were an uncomfortable fit and didn't fit the structure of my teeth. I have tried contacting the company to reach out regarding this frustration and haven't received a response. As time went by I received a letter in the mail regarding the company XXXX and the mail stated that I owed a debt of {$1900.00}. I would like to appeal {$1900.00} regarding me wanting to cancel subscription and was unable to receive the proper help needed. Thank you
Product: Debt collection

Americollect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I just would like to start off to say I am a victim of identity theft and I was noticing when I pulled up my credit report that I had a collection agency on there that I 've never done business with ever in my life ccs collections. They are collecting for XXXX XXXX company which I 've never did business with in my life. A few years back my identity was stolen and social security card and everything. I have tried to dispute this many times but the company is violating my consumer protection rights under the FRA Act. Please have them remove this off my credit and delete it I have not done any business at all with this company and I know for sure that I 've never had XXXX XXXX as well this is all fraudulent and I would like this to be removed immediately thank you the next step would be taking this to the attorney general office to file charges on the Creditor company of the LLC and member of management for violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending my one address with electric bill and state Id with the same address to have all of these incorrect addresses removed They won't removed these invalid addresses
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The multiple inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI Section 611-15 USC 1681i, you are to comply with laws and regulations regarding re-investigation of any and all inaccurate information. Please delete this account immediately and send me an update of my credit report.
Product: Credit card or prepaid card

American Express has established an extra account under my name which I have never used. 
They claim I have made payments on this account but I have not. I only made payments on a card I authorized but not the account they are referring too. 
Now they are claiming late fees and impacting my credit score. 
My bank has stated they do not show any proof that I paid for that account from my account. 
American Express continues to say i made payment but will not provide proof.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureaus. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove othese fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$980.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX 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

This letter is regarding an ongoing problem I have encountered from Target for the past three and a half years. I opened a line of credit with Target in XX/XX/XXXX ; account number ending in XXXX. Although I have been a loyal trustworthy customer since XX/XX/XXXX and have never missed a payment ; Target is reporting my account CLOSED! This has been the reporting since XX/XX/XXXX. The irony in this is Target is reporting 40 plus on time payments. I am completely exhausted with this situation. I have put them on notice that I will be forced to report this to the consumer protection agency. I have put in over 10 or more disputes with Target in addition to XXXX. I spoke with someone from XXXX XXXX and the agent told me that although they can clearly see that the information is conflicting because how can I be using my credit card in addition to paying the bill every month on a closed account for three plus years. XXXX XXXX also stated they can not change inaccurate information unless Target agree that the information is in fact incorrect. Well to make a long story short Im at the end of my rope with this unprofessionalism. I even went so far as to request a new card number thinking maybe this will initiate some type of change in the reporting. Now Target is not reporting at all! I can not call this company anymore, I have put in hours and hours of my time with this foolishness! I just cant do it anymore, everyone I have talk to dont seem to have the ability or the authority to fix this problem. Deviating from their script is somewhat difficult for Target 's customer service representatives. Therefore, I find myself at your mercy.. I hope and pray this letter finally ends up in competent hands. I expected a much higher level of service from Target, and I am quite disappointed. Because I do not want to spend any more time on this problem, I hope you can help! PLEASE DO NOT let them say that they are reporting because they are not! This is what they have been telling me for 3 years every month to get me off the phone. They will attempt to say they are putting in a dispute and I should wait until the XXXX of the month to see the correction.. and the XXXX comes around and the same old XXXX! NOTHING!!! NO CHANGE!