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

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : states that a consumer reporting agency should Block and remove information in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

CLAIM ID : XXXX I have been charged for two items under this claim that one was sent in error and returned the other was an XXXX and returned. This can all be proved and I have forwarded proof to chase.
Product: Checking or savings account

XX/XX/XXXX I was added to two accounts at XXXX XXXX Bank of America location in XXXX  XXXX XXXX AR as an authorized user. One account being my spouses personal checking and one being a business checking account. The personal checking account ends in XXXX and the business account ends in XXXX. 

I've been able to access both of these accounts with no problem however XX/XX/XXXX I visited XXXX XXXX Bank of America location in XXXX XXXX XXXX AR and I was refused access to both accounts without reasoning. Upon further investigation with the help of one of the personal bankers, I found that fraud protection had been set up on the personal bank account ending in XXXX and paperwork had been intentionally left out of the business bank account ending in XXXX. 

The bank managers and staff have purposely and fraudulently reported claims of fraud and intentionally attempted to limit my access to both accounts without merit based on the personal relationship they have with the original account holder also being my spouse. In XXXX, I visited the XXXX XXXX Bank of America location where I attempted to get more information about this matter in which I was told by a bank supervisor to " ask my husband about getting access to the bank accounts. '' She also stated that the bank accounts are " not needed '' and the bank accounts would be closed per the original account owners request. 

After trying to get more information, the female manager threatened to call the police on me. Looking into the matter further, I learned that a fraud protection hold had been placed on the personal bank account for 180 days. 

I believe my rights as a consumer are being violated. I've never had an issue using any of our bank accounts and to my knowledge in order for me to be completely restricted from the bank accounts, the original account holder/my spouse would have to completely close the accounts and open new ones. These managers/bankers at this specific location are willfully contributing and conspiring to commit fraud, violation of company policy & financial abuse.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about this, and the company conducted this without my approval.
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for a new Capital One Venture Credit Card that offered a 0 % balance transfer offer. When I received the card I tried to transfer a balance to the new credit card and was told by the representative that the card I received did not have the 0 % balance transfer offer and a balance transfer would have 20 % interest. I then asked for it to be corrected. The representative told me that they could not correct it. I then told them that I would be reporting this fraudulent offer to Consumer Protection Agency and asked to close the account.
Product: Debt collection

I received a collection notice from Morris, Lockhart , & Montgomery on XX/XX/XXXX. The letter stated I had 30 days to request a debt validation letter. I sent my debt verification letter on XX/XX/XXXX via certified mail. The letter was received but it has been more than 30 days since i requested the letter and i have not received this information. This debt has been reported to the credit reporting agencies. Because it has been more than 30 days and they have not responded to my verification letter, its a violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

I lived XXXX XXXX from XXXX XXXX XX/XX/XXXX after I moved to XXXX XXXX 
XX/XX/XXXX My credit card limit was decreased from {$10000.00} to {$4300.00} and the reason shows delinquent/late payments. This prompted me to pull my credit report and it showed mis information which I did not recognize nor did I have any knowledge of ; a collections agency XXXX XXXX XXXX  on behalf of XXXX XXXX in XXXX I then called XXXX XXXX XXXX XXXX ( XXXX XXXX ) they advised there was a delinquent account but has since been placed in collections with XXXX XXXX XXXX XXXXXXXX XXXX rep stated an account had been open and used multiple times from XX/XX/XXXX through XX/XX/XXXX balance placed with collections showed {$2100.00}. I advised it was not me nor did I consent to any use of my personal information. The only time I used XXXX XXXX XXXX was when I lived XXXXXXXX XXXX at the following addresses while attending XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Immediately after I moved to the state of XXXX where I still currently reside. I filled a police report for identity fraud, I completed dispute forms required by XXXXXXXX XXXX Submitted I called for the company for the past 2 years and sttill no resolve. XX/XX/XXXX my credit score dropped XXXX points now im in the low XXXX Debt is currently with Transworld System Inc whom I contacted and advised of fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The right to contest my credit report is something that every XXXX has ( In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted standard of metro 2 data field reporting ), and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations, then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately. I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/XXXX
Product: Money transfers

I sent a # of money wires to XXXX with the assistance of an employee of a Computer maintenace co, known as " XXXX. '' These wires were sent on the premise that i was enabling the recovery of an earlier scam by another entity, which was run through " XXXX '' on XXXX wires of {$1500.00} each With the assistance of the XXXX employee I sent money wires through XXXX XXXX XXXX ( XXXX ) for {$750.00} each ; : Wells Fargo ( XXXX ) {$750.00}. - {$600.00}. - {$240.00}. All sent to XXXX XXXX XXXX XXXX, Payable to payee, XXXX a/c # XXXX. 
A XXXX wire was sent through Wells Fargo in the Amont of {$240.00}, XXXX XXXX XXXX, Payee ; XXXX XXXX. Wells Fargo advises on XX/XX/XXXX that the wire has NOT been paid out. A recall has been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX of 2017 I made an inquiry to a babysitting position on XXXX ( provided are screenshot attachments of the exchange I had with the scammer who I did not know was a scammer at the time ). I was hired and within a week I had received a check in the mail with instructions to deposit the check at my bank account ( that I had at the time with Bank Of America ) and that once the check got cleared to subtract my pay and to wire the rest of the amount to the scammer to him/her through XXXX. I deposited the check without me knowing the check was a fraud and few days later my bank account was put on lock for suspected fraud activity. I contacted Bank Of America 's customer service and was told that in order to clear my name I would have to file a statement with the local police department. I did as I was told and provided all of the evidence I had. I stopped all contact with the scammer and eventually my bank account was shut down and my report was blacklisted so I am not able to obtain a new account. Below is also an attachment of the statement/case that I made at my local police department. Please contact them to verify that my intention was not to commit fraud. Their number is ( XXXX XXXX XXXX Thank you.
Product: Credit reporting or other personal consumer reports

XXXX  ( THE INFORMATION IS INCORRECT ) XXXX I dont recognize these accounts 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 XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Disputing Unauthorized Credit Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally report a series of unauthorized credit inquiries that have appeared on my credit reports maintained by XXXX, XXXX, and Equifax. I have no knowledge or record of authorizing these inquiries, and I am concerned that they may be a result of identity theft. 

The specific unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already submitted a complaint regarding suspected identity theft to the appropriate authorities and have taken steps to secure my personal information. Despite this, these unauthorized inquiries continue to appear on my credit reports, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and other federal regulations governing consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 and Section 616, I am entitled to dispute inaccurate or fraudulent information on my credit report. The law mandates that credit reporting agencies must investigate and correct any information that is found to be erroneous or a result of identity theft.

Additionally, under Section 605A of the FCRA, credit bureaus must remove any fraudulent information resulting from identity theft within a reasonable period upon receiving a formal complaint from the consumer. 

As I did not authorize any of the above-listed inquiries, I request that you take immediate action to investigate and remove these unauthorized inquiries from my credit report. I also request that you provide me with written confirmation of the removal of these inquiries, along with an updated copy of my credit report from all three bureausExperian, XXXX, and XXXX the investigation is complete. 

Please advise me on any additional steps I may need to take to facilitate this process. 

Thank you for your attention to this serious matter. I trust that you will handle my request promptly in accordance with the law. 

Sincerely, XXXX XXXX
Product: Student loan

EdFinancial continues to dodge and fails to address my questions evidenced by their response to recent complaints ( XXXX, XXXX ). 

1 - Considering your failure to adjust my payment plan timely ( proof of 8 month long delay complaint # XXXX ), you are required by XXXX and Consumer Law to remove interest caused by your incompetence and delay! When will you remove it and set my account to XXXX XXXXXXXX as asked? 

2 - I request a full transcript to my communications with you since XX/XX/year> .... XXXX failed to comply ( to cover your lies and illicit operation )!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX Reported by XXXX XXXX XXXX and Account # XXXX also reported by XXXX XXXX XXXX Account # XXXX reported by XXXX XXXX XXXX Account # XXXX reported by XXXX XXXX  have violated my rights. 
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 states a consumer reporting agency can not furnish any account without my consent.
Product: Debt collection

Called and left a long message about me owing a debt i have already settled i do not want them to contact me anymore i will contact them XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX XXXX ] in the Honorable XXXXXXXX XXXX credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the Hon.XXXXXXXX XXXX credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).
Product: Debt collection

To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for this credit card in XXXX, 2019 and then called, The account was open and then I called to close it because it did not meet my needs. I have not received an email stating the account is closed.
Product: Credit reporting or other personal consumer reports

My name is incorrect on my report it should be the same as my state if and social security card my full and whole name no other name or abbreviations this is the only name I go by.it should be on all three credit bureaus the same way. On my on. Address should be on my report I dnt live in XXXX or XXXX locations only XXXX and thats XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX no other address should be on my report ( XXXX XXXX XXXX XXXX XXXX only name should be on all three reports XXXX XXXX XXXX XXXX XXXX is the only address should be on my report
Product: Credit reporting or other personal consumer reports

EVERYTIME I WOKE UP IN THE MORNING, THESE FRAUDULENT HARD INQUIRIES ARE STILL IN MY ACCOUNTS AND REPORT. 
THESE ARE FALSE AND SHOULD BE IMMEDIATELY REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the XXXX  XXXX account report is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Reinstate my credit at XXXX XXXX I make payment well above the minimum more than twice the same month. A payment from XXXX XXXX bank checking to XXXX XXXX visa credit card was rejected. Account was funded and no reason to decline and or close account. This was during COVID and during times of financial hardship. 

XXXX trade line had for 3 years and 10 months and the charge ridiculous fees and membership fees. 

Wells Fargo closed my grandfathered account and holds my secured card that should be eligible for upgrade and hasnt upgraded. I had an auto loan with wells and that was paid off and well kept that should account for something positive in my credit line.
Product: Credit card

I thought I was talking to an Apple Pay support person, she identified herself as XXXX XXXX, Apple employee # XXXX. My Apple Pay was suspended and I waned to know why. She told me my XXXX was compromised and instructed me to go to XXXX and do a gift card ( a few times ) and she used XXXX XXXX XXXX XXXX, zip XXXX, code XXXX. She assured me these would be voided. Then she asked me to download XXXX, using the same XXXX and she kept telling me not to worry all would be voided. She had me XXXX money to my daughter XXXX XXXX and have her send it back. She waned me to go to XXXX and get a XXXX. That's when my daughter came to the house I'm still under the impression this person is Apple support. She continued doing these gift cards with. my daughter. Finally at XXXX XXXX  we decided I was being scammed. So we called the police and reported it. And I have a police report. I'm still not believing how stupid I was. But I have worked with Apple support with other problems and they have always been wonderful. But during all this she texted because I lost the call. 
Sent all the info certified mail to Goldman Sachs and have not heard anything back from them. I have talked to numerous Apple Pay support employees to no avail and they would transfer me to an Apple Support person at Goldman Sachs. The charges have been disputed several times and they want me to pay {$600.00}. All charges that were done by XXXX XXXX in the month of XXXX and her assuring me these were all great. I have not used the Apple Pay card since. The certified mail with copies of everything were sent to Goldman Sachs and signed for by XXXX XXXX. I am enclosing a text message from XXXX when I lost the connection XXXX XXXX XXXX. XXXX has reversed charges and closed account. XXXX said there wasn't anything they could do because the XXXX gift cards were already sent to No first or last name to XXXX XXXX XXXX, XXXX GA XXXX as the XXXX  gifts cards also. I have closed out my checking account and opened a new one. Also clo.sed out XXXX card account and got a new one ( it was attached to my Apple Pay account ). I may have forgotten pieces of all this. But my memory isn't as good as it used to be. Please help me. Thanks for reading
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my XXXX report and {$4400.00} on my Experian report for an account that I did not open. After filing several disputes and requesting an investigation with XXXX and Experian to have the inaccuracies removed, I found that XXXX and Experian continuously and knowingly intercepted inaccurate information from debtor ( s ) XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, XXXX and Experian failed to compel said debtor ( s ) to provide proof that the account was opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Product: Money transfer, virtual currency, or money service

Iam Filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience at that time and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are reporting Bankruptcy and the bankruptcy court advised they never reported to a third-party agency or credit bureaus. They are violating my rights and committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Today Monday XX/XX/XXXX, I reviewed my credit history and I have a notification that I owe {$420.00} from ALDOUS AND ASSOCIATE, I am not sure what this is for because I did not receive any prior notification.