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

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent TRANSUNION 3 letters in regards to the following accounts and have also stated the violations that they are in, XXXX has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE TRANSUNION DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS.

15 USC 1681 ( a ) - 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 the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 

THESE ARE THE ACCOUNTS IN DISPUTE : 1. XXXX XXXX XX/XX/XXXX - # XXXX 2. XXXX XXXX XX/XX/XXXX - # XXXX 3. XXXX XXXX XX/XX/XXXX - # XXXX 4. XXXX XX/XX/XXXX - # XXXX 5. XXXX XXXX  XXXX XX/XX/XXXX - # XXXX 6. XXXX XXXX XX/XX/XXXX - # XXXX 7. XXXX XXXX XX/XX/XXXX - # XXXX 8. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 9.. XXXX XX/XX/XXXX - # XXXX 10. XXXX XX/XX/XXXX - # XXXX 11. XXXXXXXX XXXX XXXX  XX/XX/XXXX - # XXXX 12. XXXXXXXX XXXX XXXX  XX/XX/XXXX - # XXXX 13. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 14. XXXX XXXX XX/XX/XXXX - # XXXX 15. XXXX XXXX XX/XX/XXXX - # XXXX 16. XXXX XX/XX/XXXX - # XXXX 17. XXXXXXXX XXXX XXXX  XX/XX/XXXX - # XXXX 18. XXXX  XXXX XX/XX/XXXX - # XXXX 19. XXXX  XXXX XX/XX/XXXX - # XXXX 20. XXXX XX/XX/XXXX - # XXXX 21. XXXX XX/XX/XXXX - # XXXX 22. XXXX XX/XX/XXXX - # XXXX 23. XXXX XXXX XX/XX/XXXX - # XXXX 24. XXXX XXXX XX/XX/XXXX - # XXXX 25. XXXX XX/XX/XXXX - # XXXX 26. XXXX XX/XX/XXXX - # XXXX 27. XXXX XX/XX/XXXX - # XXXX 28. XXXX XX/XX/XXXX - # XXXX 29. XXXX XX/XX/XXXX - # XXXX 30. XXXX XX/XX/XXXX - # XXXX 31. XXXX XX/XX/XXXX - # XXXX 32. XXXX XX/XX/XXXX - # XXXX 33. US Dept of Ed XX/XX/XXXX - # XXXX 34. US Dept of EdXXXX XX/XX/XXXX XXXX # XXXX I did not GIVE my explicit written permission to TRANSUNION to report any NON PUBLIC INFORMATION, You have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED ALL THREE CREDIT BUREAUS FOR A THOROUGH INVESTIGATION OF MY CREDIT REPORTS AND THEY ARE STILL REPORTINTG INACCURACIES. 

I HAVE RIGHTS UNDERTHE ROSENTHAL ACT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTINTG ACT, XXXX  ( XXXX ) ( ACCT # XXXX, XXXX XXXX XXXX, {$12000.00} ), ( ACCT # XXXX, XXXX, $ XXXX A SCAM AND HAS BEEN ADDING INTEREST DAILY ; REPORTED TO FTC ) XXXX ( ACCT # XXXX, XXXX XXXX, {$5500.00} ), ( ACCT # XXXX, XXXX XXXX XXXX {$4800.00} ) AND AN UNKNOWN ( ACCT # XXXX, ORIGINAL CREDITOR, {$230.00} ) HAVE VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I HAVE SUBMITTED A COPY OF MY FTC IDENTITY THEFT REPORT AND NOTORIZED POLICE REPORT TO EACH BUREAU IN 2019 TO NO AVAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America put an unauthorized inquiry on my credit report XX/XX/2019. I have never applied for a line of credit of any sort. I am not sure who authorized Bank of America to obtain my credit file, but what I do know is Bank of America has broken the law!
Product: Debt collection

Hello I want to file a complaint against XXXX XXXX XXXX or American Express. I was recently in a car accident and I was in the XXXX  for half a year. Now I'm out and making money again through my XXXX. I was paid yesterday and nobody can tell me where my money went. The balance owed isn't getting smaller either. I just want to know where my money is going or a closing of this account with no further action.
Product: Mortgage

Navy Federal made a serious error that they submitted to XXXX XXXX my name social security number, with my zip code, and phone number. This makes my identify compromised for identify theft. This is of huge concern as I have already experienced such a situation and it cost me money time, and impacted my credit in a negative manner. I had to deal with attorneys and to this date I have attorneys that I dealt with that tried to collect money from me that was not mine. I still have an address that I never lived at and it took me a long time to get corrected. This is all being done by Navy Federal Credit Union. They want to make this my problem to monitor and manage this event though this was 100 % their fault and has a chance that the black web or anyone else could harm me.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention the ongoing issue of fraudulent items on my account with your company. Despite numerous attempts on my part to address and rectify this matter, I have faced significant challenges in having these fraudulent items removed from my records.

The presence of fraudulent items on my account not only poses a serious threat to my financial well-being but also undermines the integrity of your company 's services. I am deeply concerned about the potential consequences of these inaccuracies, and it is disheartening to experience a lack of responsiveness in resolving such a critical matter.

I urge you to conduct a thorough investigation into the fraudulent items on my account and take immediate action to rectify this situation. Furthermore, I request a detailed explanation for the delays in addressing this issue and seek your assurance that appropriate measures will be implemented to prevent similar incidents in the future.

If this matter is not resolved within the exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX. XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Balance : {$8000.00} XXXX. XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8000.00} XXXX. XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following delinquent account listed on my Experian, XXXX   and XXXX XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX for {$360.00}. The account is fraudulent and dont belong to me.
Product: Student loan

I want to go to school to better my self and possible free my self from poverty but instead I end up trap in student loans with such high interest rates that are un-payable or I feel I will not be able to pay not in my natural life.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) Due to inadequate customer service and unfair practices, Which violates the consumer financial protection act ( CFPA ). Specifically, Cadh App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. 
Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection popped up on my report and I disputed this with the creditor more than 30 days ago and they have not removed or responded to my dispute. XXXX has removed the collection and XXXX has as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Debt collection

I am the XXXX  of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We remained open during the pandemic in large part due to the PPP loan we received from PNC Bank. 

In XXXX  of XXXX, we began the process of applying for a PPP loan through PNC Bank. We were one of the first agencies to participate in the PPP program and as such, when we applied for the funding, we followed the guidelines and guidance issued by the SBA via PNC Bank at the time.

We submitted our PPP Loan application with our supporting payroll documentation, health care costs and other related documentation. PNC calculated a PPP Loan amount of {$510000.00} based on the information we were instructed by PNC to submit to receive a PPP Loan. Later, PNC conducted a review of the PPP loan application and determined that we were only eligible to receive {$340000.00} and as such {$170000.00} is overfunded. 

We would NEVER have borrowed the additional {$170000.00} and now are being told our first payment of {$22000.00} is due on XX/XX/XXXX. 

I can tell you that every XXXX of the {$510000.00} PPP Loan was spent on payroll and employee related costs. PNC either misinformed or misrepresented the loan guidelines and supplied our agency with a criteria to cause the loan to be overfunded which resulted in a net profit to PNC, all of which was not made clear to our agency. 

We need your help in figuring out what to do next. We survived because we were able to use a PPP Loan provided on information PNC crafted for our eligibility. We should have our entire PPP Loan forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES PULLED MY REPORT ON XX/XX/2021 WITHOUT MY PERMISSION.I DID NOT AUTHORIZED THIS.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as detailed in the report I received from your agency. These inquiries were made without my consent or knowledge, and they are negatively impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The letters are stated with items and issues. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, XXXX IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE XXXX XXXX ACCOUNT IS BEING REPORTING DIFFERENTLY TO XXXX, EXPERIAN AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH EXPERIAN. PLEASE SEE XXXX EXPERIAN REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to this complaint I have made the initial consultation on filing a civil suit for the incorrect reporting I have an inquiry on my credit report from about seven months ago from bank of america. I attempted to fix this with them and they stated that there investigation showed it came from areas indentified as me such as ip and email. 
I have since changed my email address but can not do so with IP I requested all documents from bank of america and they refused I requested a copy of credit application and they refused I REQUESTED IP address and they refused. 
I cant find out if someone I know tried to steal my identity because bank of america will not coporated. 
I did not make the credit application and the inquiry is not mine
Product: Credit card or prepaid card

The bank of America closed down my credit card by receiving a miscommnication received by XXXX  and other credit unions. 

credit card : XXXX I am here to certify this credit card account was mine and I had already sent y ID proof and the Letter to bank of america and thinking issue will be sorted down. 

But later bank of america says that they cant open the account bank because it was closed down for invalid reasons. 

No bank of america lowered my credit score from XXXX to XXXX from XX/XX/XXXX  and now by closing this credit account they took back all my credit history. 

I request bank of america to reopen my account as it a valid account and i had been using this card account from XX/XX/2017
Product: Debt collection

Received notification that a collection account was placed on my credit profiles. This company did not validate the debt was owed by me. This company is in violation of the FCRA reporting standards.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any item listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I paid my finial bill with XXXX XXXX XXXX XXXX  of the amount of {$260.00} on XX/XX/year> however CREDIT COLLECTION SERV who bought the bill from XXXX XXXX XXXX XXXX has provided information for YEARS that i still owe them money when I recived document from XXXX XXXXXXXX XXXX XXXX stating I paid them off. CREDIT COLLECTION SERV if still reporting to XXXX that its an active account/ Paid and will not removed the collection off my report. I just want this collection removed. XXXX removed other collections that was paid but now they refused to do it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have never been associated with none of these addresses. I have been a victom of identify for years and im here to clarify it. These accounts listed needs to be removed off my report asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 


Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX contacts my house numerous times a day at all hours of the day attempting to collect a debt for a XXXX XXXX. I do not know who this person is nor have I ever known who this person is. I have told multiple people with this company that I do not know this person and they continue to call my house multiple times. Yesterday they called 7 times including immediately after I spoke to someone and told them they had the wrong number and I do not know this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}. Please remove.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union for multiple overdraft I have incurred Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for a similar practices where transaction settled with insufficient funds. I believe these transactions are unfair and I request an investigation into my account and my transactions.